Terms of service

These terms form the agreement between you and InsuranceQuoteWidget for the website, the app at app.insurancequotewidget.com and the calculators and widgets you embed. By creating an account or using the service you accept them. If you accept on behalf of an agency or other business, you confirm that you can bind it, and "you" means that business.

What is the service?

InsuranceQuoteWidget provides software: embeddable needs calculators, widgets, a contacts list, lead email alerts and webhook delivery. It is a tool for insurance agencies and producers. We are not an insurance agency, broker or producer, and nothing in the service is an offer of insurance. See the insurance disclosures for the full statement.

Your account

• You must give accurate sign-up information and keep it current.
• You are responsible for everything that happens under your account, including actions by team members you invite.
• Keep your password confidential. We strongly recommend turning on two-factor authentication, and you must tell us promptly at support@insurancequotewidget.com if you suspect unauthorized access.
• You must be at least 18 and using the service for business purposes.

Plans, trials and renewal

• Plans. The Producer, Agency and Enterprise plans, their prices and limits are shown on the pricing page. The insurance calculators are included on the Enterprise plan today.
• Trials. Paid monthly and yearly plans may start with a 14-day free trial. A card is required, and each agency may use one trial. If you do not cancel before the trial ends, the plan starts and your card is charged.
• Renewal. Monthly and yearly plans renew automatically at the end of each period until you cancel. Lifetime plans are a single payment and do not renew.
• Cancellation. You can cancel at any time from your billing settings. Your plan stays active until the end of the period you paid for, then your workspace moves to the limits of the Producer plan.
• Refunds follow the refund policy.
• Taxes. Prices exclude taxes unless stated; you pay any applicable sales or similar taxes.
• Payments are processed by Stripe under its own terms. We do not store full card numbers.
• Price changes. We may change prices. For an existing subscription we will give you at least 30 days' notice before a new price applies, and it applies from your next renewal. You can cancel before then.
• Limits. If you go over a plan limit, for example the contact limit, new items may not be saved until you upgrade or reduce usage. We will tell you by email.

Acceptable use

You must follow the acceptable use policy. In short: no deceptive insurance advertising, no reselling leads of consumers who did not agree to it, no impersonating carriers or government programs, no unlawful discrimination, no scraping and no attacks on the service.

Your content and your leads

You own your content: your calculator settings, text, branding, custom CSS and the leads and contact records in your workspace. You give us a limited licence to host, process, display and deliver that content only as needed to run the service for you, including sending it to the destinations you configure.

Because the leads are yours, so are the obligations that come with them. You are responsible for:

• Consent. Getting and keeping the consent the law requires before you call, text or email a lead, including prior express written consent where the Telephone Consumer Protection Act or a state law requires it. You write the consent language on your forms. Our lead consent guide explains the basics and is not legal advice.
• Disclosures. Any disclaimers your carriers, your state or federal rules require on your website and forms, including Medicare marketing disclaimers where they apply.
• Licensing information. Being licensed and appointed where you market, and displaying licence details where required.
• Privacy notices. Telling consumers how you use their information. For leads submitted through your calculators, you are the business that controls the data and we are your service provider.
• Webhook destinations. The endpoints you connect, such as HighLevel, Zapier, Make or your CRM, and what happens to data once it reaches them.

Calculators are estimates

Calculator results are estimates based on the inputs a visitor enters and on general assumptions. They are not quotes, rates, premiums, underwriting decisions, financial, tax or legal advice, or offers of insurance. Actual coverage needs and prices depend on carrier underwriting, state rules and individual circumstances. You must not present a calculator result as a quote or guarantee. You are responsible for checking that the calculators and your settings suit your market before you publish them.

Our intellectual property

We own the service, the calculators, the software, the design and our trademarks. Apart from the right to use the service under these terms, you get no rights in them. You may not copy, reverse engineer, resell or create competing products from the service, except where the law allows despite this restriction. If you send us feedback, we may use it without obligation to you.

White-label and custom domains

On plans that include white-label features, you may present the calculators under your own brand and domain. You are responsible for your domain, your DNS settings, your sending email configuration and for making sure your branding does not infringe anyone else's rights.

Third-party services

The service connects to services we do not control, such as Stripe for payments and the webhook destinations you choose. Their terms govern your use of them, and we are not responsible for their availability or actions.

Suspension and termination

We may suspend or restrict an account, a calculator or a widget, with notice where practical, if we reasonably believe it breaks these terms or the acceptable use policy, creates a security risk, is used for fraud, or exposes us or others to legal liability. We may terminate for serious or repeated breaches or for non-payment. You may close your account at any time.

Before you close an account, make sure you have kept any leads you need, for example in the CRM your webhook delivers to. We delete workspace data after closure as described in the privacy policy, except what we must keep by law.

Disclaimers

The service is provided "as is" and "as available". To the extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the service will be uninterrupted or error-free, that every lead will be delivered to a destination you configure, or that calculator results will be accurate for any particular person. See also the disclaimer.

Limitation of liability

To the extent the law allows:

• neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, business or data, even if told they were possible;
• our total liability for all claims relating to the service is limited to the amount you paid us in the twelve months before the event giving rise to the claim.

These limits do not apply to your payment obligations or to liability that cannot be limited by law.

Indemnity

You will defend and indemnify InsuranceQuoteWidget against third-party claims arising from your content, your leads, your marketing calls, texts and emails, your failure to obtain consent or to hold required licences, or your breach of these terms.

Governing law and disputes

These terms are governed by the laws of the United States and the state in which InsuranceQuoteWidget's operating entity is organized, without regard to conflict-of-law rules. Before filing a claim, each party agrees to try to resolve the dispute informally by contacting the other for at least 30 days. Claims must be brought in the courts of that state, and each party consents to their jurisdiction.

Changes to these terms

We may update these terms. For material changes we will notify account holders by email or in the app before they take effect. Continuing to use the service after that date means you accept the new terms.

General

These terms, together with the policies they link to, are the entire agreement between us. If a provision is unenforceable, the rest remains in effect. A failure to enforce a right is not a waiver. You may not transfer your account without our consent; we may assign these terms to a successor. Neither party is liable for delays caused by events beyond its reasonable control.

Contact

Questions about these terms: legal@insurancequotewidget.com. Account and billing help: support@insurancequotewidget.com.