Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions (“Terms”) govern your access to and use of our website, platform, and services (collectively, the “Services”). By using our Services, you agree to be bound by these Terms and all policies or rules incorporated by reference. If you do not agree, do not use our Services.

2. About Our Services

Payment Platform

We provide an online platform that enables insurance agents (“Agents”) to create and send invoices to their customers (“Customers”), who can then pay their insurance premiums either in full or by arranging financing through select finance companies.

Third-Party Finance

We may share relevant information (including your insurance details) with premium finance companies. This is done solely to facilitate financing.

Agent Responsibility

Agents are fully responsible for the accuracy of the information they provide (e.g., payment amounts, policy details) and for maintaining relationships with any finance companies they choose to work with.

3. Eligibility & Geographic Scope

Eligibility

You must be at least 18 years old and capable of entering into a legally binding agreement to use the Services.

Location

Our Services are intended for use only in the United States. We make no representation or warranty that the Services are appropriate or available for use in other jurisdictions.

4. User Data & Privacy

Data Collection

To use our Services, you may be required to provide personal information such as your name, email address, payment details, and insurance policy information (“User Data”).

Use of User Data

By using our Services, you grant us the right to use your User Data in any manner we deem appropriate, subject to applicable laws. This may include sharing your User Data with Agents, finance companies, or other third parties as needed to provide or improve our Services, to comply with legal obligations, or for other business purposes.

Privacy Policy

Please refer to our Privacy Policy for more detailed information on how we handle personal information. To the extent these Terms conflict with our Privacy Policy, these Terms shall govern with regard to the use of the Services.

5. Payment Processing

Payment Processor

If you choose to pay in full, payments are processed by a third-party credit card or ACH processor. We do not guarantee and are not responsible for the availability or performance of such third-party services.

Financing

If you choose to finance your insurance policy, we will pass your insurance information on to the designated finance company. We do not control, endorse, or assume any liability for any finance company's policies, actions, or credit decisions.

Invoices & Amounts Due

The invoice information, including amounts owed, is entered by the Agent. We do not verify the accuracy of this information and are not responsible for any errors, overcharges, or undercharges.

6. Intellectual Property

Company Property

All content, design, features, and functionality of the Services (including but not limited to text, graphics, logos, icons, images, audio clips, video clips, digital downloads, data compilations, and software) are the exclusive property of the Company or its licensors.

No License or Use

Nothing in these Terms grants you any right or license to use our trademarks, trade dress, designs, or software code. You may not reproduce, redistribute, or create derivative works from any part of the Services without our express prior written consent.

7. Restrictions on Use

Prohibited Conduct

You agree not to:

• Use the Services for any illegal or unauthorized purpose.
• Interfere with, disrupt, or damage the Services or any network connected to the Services.
• Attempt to gain unauthorized access to the Services or related systems.
• Attempt to discover invoices, profiles, or other pages we may host that may contain information you would not reasonably be expected to know.

No User-Generated Content

Our Services do not permit posting or sharing of user-generated content publicly. Agents may insert customized language into emails directed to their own customers, but such communications do not appear on or become part of our website content.

8. Disclaimers

Accuracy of Information

We do not guarantee the accuracy or reliability of any information provided by Agents or finance companies.

No Endorsement

We do not endorse or guarantee any particular insurance policy, financing company, or Agent.

“As-Is” Basis

The Services are provided on an “AS-IS” and “AS AVAILABLE” basis, without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Limitation of Liability

Indirect Damages

To the fullest extent permitted by law, under no circumstances will we be liable for any indirect, incidental, special, consequential, or punitive damages.

Aggregate Liability

In no event shall our total liability to you for all claims arising under or related to these Terms exceed the amount of fees you paid (if any) for use of the Services in the six months preceding the event giving rise to liability.

No Liability for Agent or Finance Company Actions

We are not responsible for any acts, omissions, errors, or misrepresentations made by Agents or finance companies. This includes any incorrect amounts, delayed payments, or any unauthorized charges.

10. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its officers, directors, employees, contractors, and agents from and against any claims, actions, liabilities, damages, losses, costs, or expenses (including attorneys' fees) arising out of or in connection with your use of the Services, your breach of these Terms, or any dispute with an Agent or finance company.

11. Changes to the Terms

We reserve the right to modify or update these Terms at any time, in our sole discretion. Any changes will be effective immediately upon posting on our website. Your continued use of the Services after changes have been posted constitutes your acceptance of the modified Terms. If you do not agree to the updated Terms, you must stop using our Services.

12. Governing Law & Dispute Resolution

These Terms and any dispute arising from them or the use of the Services shall be governed by and construed in accordance with the laws of the Georgia without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Fulton County, Georgia. You consent to the jurisdiction and venue of such courts.

13. Termination

We may, in our sole discretion, suspend or terminate your access to the Services at any time, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Services will immediately cease.

14. Miscellaneous

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with any policies referenced herein, constitute the entire agreement between you and the Company regarding the subject matter and supersede all prior or contemporaneous communications and proposals.

No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.