Terms of Use

1. Agreement and eligibility

These Terms govern your access to TopInsure.ai. By using the service, you agree to these Terms and our Privacy Policy. You must be at least 18 and able to enter a binding agreement. If you use the service for a company, agency, or other organization, you represent that you are authorized to bind it.

2. Technology platform; no insurance advice

TopInsure.ai provides technology for consumers to submit insurance requests and review options from direct carriers or licensed partner agents. TopInsure.ai is not an insurance carrier and does not itself sell, solicit, negotiate, bind, or underwrite insurance. Information displayed through the service is not legal, tax, financial, or insurance advice.

Quotes and coverage are subject to verification, underwriting, eligibility, carrier terms, and applicable law. A quote is not a binder or guarantee of coverage. Coverage exists only when an authorized carrier or licensed producer confirms it and all required conditions and payments are satisfied.

3. Accounts and information

You must provide accurate, current, and complete information and keep account credentials confidential. You are responsible for activity under your account and must promptly notify us of suspected unauthorized access. You may submit information about another person only when you are authorized to do so and have provided any legally required notices or obtained consent.

To operate the service, TopInsure.ai may collect, use, store, and process personal information you provide, including your name, contact information, address, account information, and insurance-request details, for the purposes described in our Privacy Policy. These purposes include creating and maintaining your account, processing and displaying quote requests, connecting you with selected carriers and licensed agents, protecting and securing the service, preventing fraud, maintaining legally required records, and complying with applicable law. The Privacy Policy also describes how information may be disclosed and retained, the safeguards we use, and the privacy choices that may be available to you.

4. Consumer requests and communications

By submitting an insurance request, you direct us to share the request with the carriers, licensed agents, agencies, and service providers needed to evaluate and respond to it, subject to the disclosures and choices presented during submission. You are responsible for reviewing quote and policy documents and confirming that information is correct.

If you consent to calls or texts, TopInsure.ai and the insurance participants identified in the relevant disclosure may contact you about your request using the methods you approved, potentially including automated technology. Consent to marketing is not a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP to an eligible text to opt out of texts from that sender. Carriers are not liable for delayed or undelivered messages.

5. Agent and partner obligations

Agents, agencies, and business users agree to:

• Maintain all licenses, appointments, registrations, and authority required for their activities and territories.
• Use consumer information only to evaluate and respond to the applicable request, assist with a policy the consumer selects, meet legal obligations, and otherwise comply with the Agent Platform and Data Use Agreement.
• Protect personal information, restrict access to authorized personnel, and promptly report suspected unauthorized access or misuse.
• Provide accurate profile, licensing, carrier, quote, and availability information and communicate with consumers professionally.
• Comply with insurance, privacy, telemarketing, anti-spam, recordkeeping, and other applicable laws.

6. Fees, credits, and payments

Certain partner features may require fees or lead credits. Prices, credit costs, and applicable terms are shown in the service or a separate order or partner agreement. Payments are processed by Stripe or another disclosed provider. Except where required by law or expressly stated, purchased or consumed credits and service fees are nonrefundable. We may correct billing errors, suspend access for failed payment, and change future pricing with notice.

7. Acceptable use

You may not:

• Use the service unlawfully, fraudulently, deceptively, or to harass another person.
• Access, use, disclose, sell, copy, export, profile, train models on, or retain consumer information outside the authorized insurance-request and permitted policy-servicing purposes, except with separate express consumer consent or as required by law.
• Misrepresent identity, licensing, affiliation, quotes, products, or authority.
• Probe, scan, disrupt, overload, reverse engineer, bypass controls, introduce malicious code, scrape protected areas, or access data or accounts without authorization.
• Use automated means except through an interface or integration we expressly authorize.
• Infringe intellectual-property, privacy, publicity, or other rights.

8. Third-party services and insurance participants

Carriers, agents, agencies, payment processors, and linked services are independent third parties. Their products, decisions, communications, privacy practices, and performance are governed by their own terms. TopInsure.ai does not control underwriting decisions, premiums, policy terms, claim handling, or the acts or omissions of an independent insurance participant.

9. Intellectual property and feedback

The service, software, branding, and content provided by TopInsure.ai are owned by us or our licensors and protected by law. Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable right to use the service for its intended purpose. You grant us a worldwide, royalty-free right to use feedback you voluntarily provide without restriction.

10. Suspension and termination

You may stop using the service at any time. We may restrict, suspend, or terminate access when reasonably necessary to protect users or the service, address suspected fraud or unlawful conduct, enforce these Terms, respond to legal requirements, or discontinue a feature. Provisions that by their nature should survive will survive termination.

11. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TOPINSURE.AI DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE, QUOTES, OR THIRD-PARTY INFORMATION WILL BE COMPLETE, ACCURATE, AVAILABLE, SECURE, OR ERROR-FREE.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TOPINSURE.AI AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, REVENUE, GOODWILL, USE, OR DATA, ARISING FROM OR RELATED TO THE SERVICE, INSURANCE PARTICIPANTS, OR THESE TERMS. RIGHTS THAT CANNOT LEGALLY BE LIMITED ARE NOT AFFECTED.

13. Indemnification

To the extent permitted by law, business, agent, and agency users will defend, indemnify, and hold harmless TopInsure.ai and its affiliates, officers, employees, and agents from claims, losses, liabilities, damages, and reasonable costs arising from their misuse of the service, violation of these Terms or law, or handling of consumer information.

14. Changes, governing law, and contact

We may update these Terms and will post the revised effective date. Material changes may receive additional notice where appropriate. California law governs these Terms without regard to conflict-of-law rules. Exclusive venue will be in state or federal courts in California, except where applicable law requires otherwise. Questions can be sent to info@topinsure.ai.