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Terms of Use

For Licensed Producers, Sub-Producers, Agencies, and Authorized Business Users

Welcome to the InsureOne business platform (together with all related portals, dashboards, comparative rating tools, content, and services, the "Platform"). These Business Terms and Conditions ("Terms") govern your access to and use of the Platform on behalf of an insurance agency, producer, sub-producer, broker, or other business entity ("You," "Your," or the "Business"). The Platform is operated by InsureOne Insurance Services America, LLC and its affiliates (individually and collectively, "InsureOne," "We," "Us," or "Our").

These Terms constitute a binding business-to-business agreement. They are not intended for, and should not be relied upon by, individual consumers shopping for personal insurance. Consumer use of InsureOne’s consumer-facing websites is governed by separate Consumer Terms of Use available at insureone.com.

PLEASE READ THESE TERMS CAREFULLY. THEY INCLUDE A MANDATORY INDIVIDUAL ARBITRATION PROVISION AND CLASS ACTION WAIVER (SECTION 24) THAT AFFECT YOUR LEGAL RIGHTS.

  1. Acceptance of Terms

By accessing the Platform, creating an account, executing a producer or membership agreement referencing these Terms, or otherwise using any service We make available, You signify Your acceptance of these Terms and Our Privacy Policy. If You do not agree, do not access or use the Platform.

These electronic Terms, combined with Your access and use of the Platform, have the same legal force and effect as a written contract bearing Your written signature and thereby satisfy any laws requiring a writing or signature. You agree not to challenge the validity, enforceability, or admissibility of these Terms on the grounds that they were transmitted, accepted, or signed electronically.

  1. Eligibility and Authorization

You represent and warrant that: (a) You are at least eighteen (18) years of age; (b) You have the full legal power, authority, and capacity to enter into these Terms and to bind the Business on whose behalf You access the Platform; (c) the Business is duly organized, validly existing, and in good standing under the laws of its jurisdiction; (d) the Business and each individual transacting insurance through the Platform holds all licenses, appointments, registrations, and regulatory authorizations required to conduct insurance activities in each applicable state; and (e) the Business and its principals are not subject to any order, suspension, revocation, or regulatory disability that would prevent the lawful use of the Platform.

The Platform is intended solely for use by U.S.-based businesses transacting U.S. insurance. The Platform may not be used outside the United States or in connection with insurance transactions outside the United States.

  1. Account Registration and Security

To access the Platform, You must register an account and provide accurate, current, and complete information about the Business and the individuals who will use the Platform on its behalf ("Authorized Users"). You agree to keep this information current at all times.

You are solely responsible for: (a) maintaining the confidentiality of all credentials issued to or selected by Authorized Users; (b) all activity that occurs under Your account or any Authorized User's credentials, whether or not authorized by You; and (c) immediately notifying InsureOne of any actual or suspected unauthorized access, security breach, or compromise of credentials.

You will not share credentials with any person who is not an Authorized User, will not permit any person to use another person's credentials, and will not impersonate any person, misrepresent affiliation, or use the name, license, voice, image, or photograph of any individual without authorization. InsureOne is not liable for losses arising from any unauthorized use of an account or credential, and You will be liable for losses incurred by InsureOne or any third party as a result of such unauthorized use.

InsureOne retains the right to restrict access to the Platform and disable or revoke credentials at its sole discretion.

  1. Permitted Use of the Platform

Subject to Your continued compliance with these Terms and any applicable producer agreement, InsureOne grants You a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform solely for lawful, internal business purposes related to the placement and servicing of insurance for Your customers in the United States.

You may not use the Platform:

(a) for any purpose other than placing and servicing legitimate insurance business in jurisdictions in which You are properly authorized, licensed and appointed;

(b) to copy, distribute, license, sublicense, sell, lease, assign, share, modify, translate, reverse engineer, decompile, or create derivative works of any portion of the Platform without InsureOne's prior written consent;

(c) to directly or indirectly, send, initiate, cause to be sent, or assist any third party in sending any unsolicited, unauthorized, deceptive, or unlawful communications of any kind, including without limitation advertisements, promotional materials, marketing messages, commercial emails, text messages, prerecorded or artificial voice messages, robocalls, ringless voicemail messages, facsimiles, direct messages, chain letters, bulk messaging campaigns, or spam. This prohibition applies regardless of whether such communications are sent through email, telephone, SMS, MMS, social media platforms, messaging applications, or any other communication channel.

 

Without limiting the foregoing, all communications must strictly comply with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (CAN-SPAM Act), the Telephone Consumer Protection Act (TCPA), all applicable Federal Communications Commission (FCC) regulations, Federal Trade Commission (FTC) rules and guidance, state telemarketing and privacy laws, including so-called “mini-TCPA” statutes, do-not-call registry requirements, consent and opt-in/opt-out requirements, disclosure obligations, sender identification requirements, and all other applicable federal, state, local, and international laws, regulations, and industry standards governing marketing, solicitation, advertising, privacy, and consumer communications.

 

You shall be solely responsible for obtaining and maintaining all legally required consents, permissions, and authorizations prior to initiating any such communication, and for maintaining complete and accurate records evidencing such consent. Any use of misleading header information, false or deceptive subject lines, spoofed caller identification, failure to honor opt-out requests, use of purchased or scraped contact lists without lawful authorization, or any conduct that could reasonably result in complaints, blacklisting, regulatory enforcement, fines, penalties, or reputational harm to the Company is strictly prohibited. (d) to upload, transmit, or distribute any software virus, malware, ransomware, or any other code or content designed to disrupt, damage, or surveil any system;

(e) to disrupt, degrade, or interfere with the servers, networks, or infrastructure connected to the Platform, or to circumvent any security, authentication, rate-limiting, or access-control feature;

(f) to engage in hacking, credential stuffing, phishing, vishing, smishing, or any activity intended to bypass established information-security measures; or

(g) in any manner that violates any applicable federal, state, or local law, regulation, insurance department bulletin, or carrier underwriting guideline.

  1. Automated Access, Scraping, and Data Harvesting

You will not use, deploy, or permit any automated system — including without limitation any robot, spider, scraper, crawler, headless browser, AI agent, or offline reader — to access the Platform in any manner that sends more requests to InsureOne servers in a given period than a human can reasonably produce in the same period using a conventional web browser.

You will not collect, harvest, mine, scrape, compile, or extract any account names, customer personal information, license numbers, quote data, premium data, commission data, carrier rate information, or any other data from the Platform for any purpose other than the lawful placement and servicing of insurance business with InsureOne. You will not use any Platform-derived data to train, fine-tune, evaluate, or otherwise develop any artificial intelligence model, machine learning system, or large language model without InsureOne's express prior written consent.

InsureOne reserves the right to monitor Platform usage, throttle requests, and revoke access for any conduct that, in InsureOne's reasonable judgment, exceeds normal business use.

  1. Subscription Plans, Fees, and Commissions

6.1 Subscription Plans

Certain features of the Platform are available only to Businesses that subscribe to a paid tier. The features, prices, and entitlements of each subscription tier are described on the Platform and may be updated by InsureOne from time to time at its sole discretion. InsureOne will use reasonable efforts toprovide advance notice of any material change to fees applicable to an existing subscription.

6.2 Billing and Auto-Renewal

Subscription fees are billed in advance on a recurring basis and are non-refundable except where required by law. Subscriptions automatically renew for successive terms equal to the initial term unless canceled prior to the renewal date in accordance with the cancellation procedure published on the Platform. Failure to pay any fee when due may result in suspension or termination of access without further notice.

6.3 Commissions and Compensation

Where applicable, commissions, overrides, contingent compensation, and other compensation payable to or by InsureOne are governed by the producer or membership agreement executed between InsureOne and the Business. You acknowledge that InsureOne and its affiliates receive commissions and may receive other performance-based compensation from carriers and other third-party providers in connection with insurance placements made through the Platform.

6.4 No Guaranteed Carrier Access

Carrier markets, products, programs, underwriting appetite, and rates available on the Platform are subject to change without notice and may be added, removed, suspended, or geographically restricted at any time. InsureOne does not guarantee continued availability of any particular carrier, product, or rate.

  1. Producer Licensing and Regulatory Compliance

You are solely responsible for maintaining all producer licenses, appointments, continuing education, surplus lines authorities, and other regulatory authorizations required to transact the business You place through the Platform. You will conduct all activities in strict compliance with applicable insurance laws and regulations, including without limitation anti-rebating, fee disclosure, suitability, replacement, and surplus lines diligent search requirements. You will promptly notify InsureOne of any regulatory inquiry, complaint, consent order, suspension, revocation, or material change in license status involving the Business or any Authorized User.

  1. Insurance Transaction Guardrails

INSUREONE IS NOT AN INSURANCE COMPANY. Insurance products and services are issued by third-party insurance carriers and other licensed insurance providers. Quotes, indications, and rate displays generated through the Platform are based on information You and Your customers provide, are subject to carrier underwriting, and do not constitute a binding offer to issue any policy. Final premiums and coverage availability are determined by the issuing carrier.

No coverage may be bound, increased, decreased, modified, or canceled, and no claim notice is effective, by means of voicemail, text message, social media message, chat transcript, facsimile, email to a general inbox, or unanswered communication of any kind. Coverage actions take effect only when expressly confirmed in writing by an authorized representative of the issuing carrier or its authorized agent.

You will not represent to any customer or third party that InsureOne has bound coverage, issued a policy, or accepted a claim unless and until written confirmation has been issued by the carrier or its authorized agent.

  1. Customer Data, Privacy, and Information Security

Personal information of insurance applicants, insureds, and claimants accessed through the Platform ("Customer Data") is subject to the Gramm-Leach-Bliley Act, applicable state privacy laws (including the California Consumer Privacy Act, as amended), and any applicable data-protection addendum executed between the parties. You will: (a) access and use Customer Data only as necessary to perform Your obligations to the customer and to InsureOne; (b) maintain a written information-security program with administrative, technical, and physical safeguards reasonably designed to protect Customer Data; (c) not sell, share, lease, or otherwise disclose Customer Data to any third party except as expressly permitted by these Terms or by applicable law; and (d) promptly notify InsureOne of any actual or reasonably suspected security incident affecting Customer Data and cooperate fully with InsureOne's incident-response activities.

  1. Confidential Information

In the course of accessing the Platform, You may be exposed to non-public information concerning InsureOne, its affiliates, its carrier partners, and its customers, including without limitation pricing, commission schedules, product specifications, technology architecture, marketing plans, and customer lists ("Confidential Information"). You will hold Confidential Information in strict confidence, will use it solely to exercise Your rights and perform Your obligations under these Terms, and will not disclose it to any third party without InsureOne's prior written consent. Confidential Information does not include information that is or becomes publicly available through no breach of these Terms, was rightfully known to You without confidentiality obligation prior to disclosure, or is independently developed without use of or reference to InsureOne's Confidential Information.

  1. Intellectual Property Rights

The Platform and all content, software, code, designs, text, graphics, photos, sounds, videos, interactive features, and services made available through it ("Content"), together with all trademarks, service marks, logos, trade dress, and brand elements appearing on it ("Marks"), are owned by or licensed to InsureOne and are protected by U.S. and international intellectual property laws.

"InsureOne," the InsureOne logo, "InsureOne Connect," and other names, logos, and taglines used on the Platform are Marks of InsureOne or its affiliates. All other trademarks and service marks appearing on the Platform are the property of their respective owners. Nothing in these Terms grants You any right or license to use any Mark without InsureOne's express prior written consent. This Section will survive any termination of these Terms.

  1. Submissions and User Content

If You submit, post, or transmit any data, content, suggestion, idea, feedback, or other material to InsureOne through the Platform or otherwise (collectively, "Submissions"), You grant InsureOne a worldwide, irrevocable, perpetual, non-exclusive, transferable, sublicensable, royalty-free license to use, reproduce, distribute, prepare derivative works of, display, and perform the Submission in any medium and for any purpose, including without limitation improving the Platform, training analytical or AI models on aggregated and deidentified data, marketing, and operating InsureOne's business. You represent and warrant that You have all rights necessary to grant this license and that the Submissions do not violate any third-party right or applicable law.

  1. Recording and Monitoring of Communications

You acknowledge and consent to InsureOne recording, monitoring, transcribing, and analyzing telephone calls, video conferences, chat conversations, and other communications between InsureOne and the Business or its Authorized Users for quality assurance, training, compliance, dispute resolution, fraud prevention, and product-improvement purposes, including the use of artificial intelligence and machine-learning systems to analyze such recordings. You will obtain any consent required from Authorized Users and customers for such recording and monitoring under applicable federal and state law, including two-party-consent statutes.

  1. Electronic Communications, Email, and SMS

You consent to receive electronic communications from InsureOne, including notices, agreements, disclosures, and operational messages, at the email address or mobile number associated with Your account. Where You opt in to receive SMS or text-message communications from InsureOne, message and data rates may apply, message frequency varies, and You may opt out at any time by replying STOP. Reply HELP for help. Your consent to SMS communications is not a condition of any purchase. InsureOne and its service providers may use telephone auto-dialing systems and artificial or prerecorded voice messages where permitted by law and where You have provided the consent required by the Telephone Consumer Protection Act and applicable state law.

  1. Third-Party Services and Links

The Platform integrates with, and contains links to, third-party websites, applications, carriers, vendors, comparative raters, and service providers. InsureOne does not control third-party services, is not responsible for their content, performance, or privacy practices, and does not endorse them by virtue of their availability through the Platform. Your dealings with any third party are solely between You and that third party, and InsureOne is not liable for any loss or damage of any kind incurred as a result of those dealings.

  1. Accuracy of Information

InsureOne attempts to provide accurate Content but does not warrant that any Content is accurate, complete, reliable, current, or error-free. Carrier rates, product availability, underwriting appetite, and program rules may change without notice. InsureOne may modify the Content at any time without notice. Your use of the Content is at Your own risk.

  1. Disclaimers

THE PLATFORM, INCLUDING ALL CONTENT, SOFTWARE, DATA, AND SERVICES MADE AVAILABLE THROUGH IT, IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTY ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE.

INSUREONE DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED. THE PLATFORM WILL OCCASIONALLY BE UNAVAILABLE FOR ROUTINE MAINTENANCE, UPGRADES, OR OTHER REASONS. INSUREONE IS NOT RESPONSIBLE FOR INTERNET CONGESTION, OUTAGES OF THIRD-PARTY NETWORKS, CARRIER RATING-ENGINE DELAYS, OR OTHER TECHNICAL CONDITIONS BEYOND ITS REASONABLE CONTROL.

INSUREONE DOES NOT PROVIDE LEGAL, TAX, ACCOUNTING, OR FINANCIAL ADVICE. CONTENT PROVIDED THROUGH THE PLATFORM IS FOR INFORMATIONAL PURPOSES ONLY AND IS NOT A SUBSTITUTE FOR THE INDEPENDENT JUDGMENT OF A LICENSED PRODUCER OR PROFESSIONAL ADVISOR.

  1. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL INSUREONE, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, LICENSORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, REPUTATION, COMMISSIONS, CUSTOMERS, OR DATA, ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INSUREONE'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE FEES ACTUALLY PAID BY YOU TO INSUREONE FOR ACCESS TO THE PLATFORM IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS ($100). THE PARTIES AGREE THAT THIS LIMITATION IS A FUNDAMENTAL ELEMENT OF THE BARGAIN AND THAT THESE TERMS WOULD NOT HAVE BEEN ENTERED INTO ABSENT THIS LIMITATION.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of the foregoing may not apply to You.

  1. Indemnification

You agree to defend, indemnify, and hold harmless InsureOne, its affiliates, and their respective officers, directors, employees, agents, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to: (a) Your access to or use of the Platform; (b) Your breach of these Terms or any representation, warranty, or covenant made by You; (c) Your violation of any applicable law or regulation, including without limitation any insurance, privacy, or telemarketing law; (d) Your violation of any third-party right, including any intellectual-property, publicity, or privacy right; or (e) any errors or omissions of the Business or any Authorized User in the placement, servicing, or claims handling of an insurance policy.

InsureOne reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You, in which event You will cooperate fully with InsureOne in asserting any available defenses. You will not settle any matter affecting InsureOne without InsureOne's prior written consent. This Section will survive any termination of these Terms.

 

In addition to the remedies provided herein, InsureOne has the right to:: Suspend or prohibit access to the platform; block IP addresses; contact ISPs; and bring court proceedings to protect its interest or enforce its rights hereunder. 20. Term and Termination

These Terms remain in effect for so long as You access the Platform. InsureOne may suspend or terminate Your access at any time, with or without cause, with or without notice, and without liability to You, including without limitation for: (a) breach of these Terms or any producer or membership agreement; (b) loss, suspension, or revocation of any license, appointment, or regulatory authorization; (c) non-payment of fees; (d) suspected fraud, misrepresentation, or unsafe conduct; or (e) any reason that InsureOne, in its reasonable discretion, deems detrimental to its business, customers, carrier relationships, or compliance posture.

Upon termination, all rights granted to You under these Terms immediately cease, and You will promptly cease all use of the Platform, return or destroy all Confidential Information and Customer Data in Your possession, and certify such return or destruction in writing if InsureOne so requests. Sections 5, 9, 10, 11, 12, 17, 18, 19, 24, and 25 will survive termination.

  1. Modifications to Terms

InsureOne may modify these Terms at any time by posting the modified Terms on the Platform or otherwise providing notice to You. Modifications take effect on the earlier of (a) ten (10) days after posting or notice or (b) Your continued use of the Platform after the modification. Modifications apply to causes of action arising on or after the effective date of the change. If You do not agree to a modification, Your sole remedy is to stop using the Platform and terminate Your account.

  1. Mandatory Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND INSUREONE TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF.

22.1 Informal Resolution

Before filing any arbitration or other proceeding, the parties will attempt to resolve any dispute informally. The party initiating the dispute will provide written notice describing the dispute and the relief sought, and the parties will negotiate in good faith for a period of at least thirty (30) days following the notice.

22.2 Agreement to Arbitrate

Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform ("Dispute") that is not resolved informally will be resolved exclusively by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of this Section. The arbitration will be conducted in Los Angeles County, California, or, at Your election, in the federal judicial district in which Your principal place of business is located. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

22.3 Class Action Waiver

YOU AND INSUREONE AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, REPRESENTATIVE, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims of more than one party and may not preside over any form of representative or class proceeding. If any portion of this class action waiver is held unenforceable, then the entirety of this Section 22 will be deemed null and void with respect to the affected Dispute, but the remainder of these Terms will remain in full force and effect.

22.4 Carve-Outs

Notwithstanding the foregoing, either party may: (a) bring an individual action in small claims court; (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights or breach of confidentiality obligations; and (c) pursue any non-waivable right to public injunctive relief.

22.5 One-Year Limitations Period

ANY DISPUTE OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

  1. Governing Law and Venue

These Terms and any non-arbitrable Dispute are governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-laws principles. Subject to Section 22, the parties submit to the exclusive personal jurisdiction and venue of the state and federal courts located in Orange County, California, and waive any objection based on jurisdiction, venue, or inconvenient forum.

  1. Assignment

These Terms, and any rights and obligations hereunder, may not be assigned, transferred, delegated, or sublicensed by You, by operation of law or otherwise, without InsureOne's prior written consent. InsureOne may freely assign, transfer, or delegate these Terms or any portion in connection with a merger, acquisition, financing, corporate reorganization, or sale of all or substantially all of its assets, or otherwise in its sole discretion. Any purported assignment in violation of this Section is void.

  1. Notices and Contact

Notices to InsureOne under these Terms must be sent in writing to InsureOne Insurance Services America, LLC, attention: Legal Department, with a copy by email to legal@insureone.com. Notices to You may be delivered to the email or business address associated with Your account or by posting on the Platform. Notice is effective upon receipt or, in the case of email or Platform posting, upon transmission or posting.

For questions regarding these Terms, please contact InsureOne Customer Support through the support channel published on the Platform.

  1. Licensed Insurance Producer

InsureOne and its licensed affiliates are authorized to transact insurance in each of the states in which the Business uses the Platform. A current list of state license numbers and authorized affiliates is published on the Platform and is incorporated into these Terms by reference. The Business is responsible for confirming that its own license, appointment, and authority status is in good standing in each state in which it transacts business.

  1. General Provisions

27.1 Entire Agreement

These Terms, together with the Privacy Policy, any producer or membership agreement, and any other written agreement between the parties referencing these Terms, constitute the entire agreement between the parties with respect to the Platform and supersede all prior or contemporaneous communications and proposals, whether oral or written.

27.2 Severability

If any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.

27.3 No Waiver

No failure or delay by InsureOne in exercising any right under these Terms operates as a waiver of that right, and no single or partial exercise of any right precludes any further exercise of that or any other right.

27.4 Independent Contractors

The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, employment, or fiduciary relationship between the parties.

27.5 Force Majeure

Neither party is liable for any failure or delay in performance to the extent caused by circumstances beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, governmental action, internet or telecommunications failures, cyber-attacks, pandemic, or carrier system outages.

27.6 Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

By accessing or continuing to use the Platform, You acknowledge that You have read, understood, and agree to be bound by these Terms.

Last updated: April 29, 2026