Terms of Service

1. Agreement and Eligibility

These Terms of Service ("Terms") are a binding agreement between OneagencyOS LLC ("OneagencyOS," "we," "us," or "our") and the person or organization accessing the service ("you"). By accessing the website, requesting a demonstration, creating an account, or using OneagencyOS, you agree to these Terms, our Privacy Policy, Acceptable Use Policy, and other terms presented with the service. You represent that you are at least 18 years old and have authority to bind the organization you represent.

2. The Service

OneagencyOS provides software for insurance-agency operations, including client and policy records, workflows, communications, document handling, electronic signatures, integrations, reporting, billing support, and AI-assisted features. Features may vary by plan, configuration, provider availability, and product maturity. OneagencyOS may improve or modify the service, provided that we will not materially reduce the core functionality of a paid subscription during its then-current term without reasonable notice.

3. Agency Administration and Accounts

Each agency controls its workspace, users, roles, permissions, client access, connected services, and business records. Agency Owners and other authorized administrators are responsible for approving users, promptly removing access when no longer needed, maintaining accurate account information, and configuring the service to meet the agency's legal and regulatory obligations. Users must keep credentials confidential, use available multifactor authentication, and promptly report suspected compromise. Accounts may not be shared.

4. Customer Data

As between the parties, the agency retains its rights in information, documents, and content submitted to its workspace ("Customer Data"). The agency grants OneagencyOS a limited right to host, copy, process, transmit, and display Customer Data only as needed to provide, secure, support, and improve the contracted service; follow documented instructions; and comply with law. The agency represents that it has the rights, notices, authorizations, and lawful basis needed to submit and process Customer Data.

Data-processing obligations are described in the Data Processing Terms and any signed Data Processing Addendum.

5. Insurance and Professional Responsibility

OneagencyOS is a software provider, not an insurance carrier, producer, adjuster, attorney, accountant, credit-reporting agency, or regulator. The service does not provide legal, tax, accounting, underwriting, coverage, or regulatory advice. Agencies and their licensed personnel remain responsible for client communications, applications, disclosures, suitability, coverage selections, binding authority, carrier requirements, consumer-report authorizations, recordkeeping, and all professional judgments. No quote, extraction, reminder, comparison, or AI output should be treated as final without authorized human review.

6. AI-Assisted Features

AI features may extract, summarize, classify, draft, recommend, or automate user-requested actions. AI output can be incomplete or incorrect. You must review material output before use, especially information affecting coverage, premium, eligibility, underwriting, cancellation, renewal, payment, claims, or a person's legal or financial interests. You may not use OneagencyOS AI to make a fully automated adverse decision about an individual where prohibited by law. OneagencyOS does not use agency Customer Data to train generalized models except with the agency's express written permission.

7. Integrations and Third-Party Services

You may connect email, storage, payment, communications, carrier, accounting, property, or other third-party services. You authorize OneagencyOS to exchange information with those services as directed by you. Third-party services are governed by their own terms, may change or become unavailable, and are not controlled by OneagencyOS. You are responsible for valid licenses, credentials, appointments, permissions, and fees for connected services. We may suspend an integration that creates a security, legal, or operational risk.

8. Acceptable Use

You must comply with the Acceptable Use Policy. You may not misuse credentials, circumvent provider controls, submit false insurance information, access data without authorization, interfere with security, send unlawful messages, introduce malicious code, or use the service in a way that violates law or third-party rights.

9. Fees and Subscription Terms

Fees, users, plan, start date, initial term, renewal, and billing frequency are stated in the applicable Order Form. Unless the Order Form states otherwise, fees are in U.S. dollars, taxes are additional, and payment obligations are noncancelable for the committed term. We may suspend paid service for overdue undisputed amounts after notice and a reasonable opportunity to cure. Price changes apply at renewal and will be provided in advance.

10. Security and Availability

OneagencyOS maintains administrative, technical, and organizational safeguards designed for the nature of the service and information processed. No system is completely secure or uninterrupted. Planned maintenance, emergency maintenance, provider outages, internet failures, force majeure events, and customer configuration may affect availability. You are responsible for appropriate endpoint security, user management, backups or exports needed for your business continuity, and timely review of security notifications.

11. Confidentiality

Each party may receive nonpublic business, technical, security, pricing, or personal information of the other. The receiving party will use confidential information only to perform or receive the service, protect it using reasonable care, and disclose it only to personnel and service providers with a need to know and appropriate confidentiality duties. These duties do not apply to information lawfully known without restriction, independently developed, publicly available without breach, or lawfully received from another source. Legally compelled disclosure is permitted after notice when lawful.

12. Intellectual Property and Feedback

OneagencyOS and its licensors own the service, software, designs, documentation, trademarks, and related technology. Subject to payment and these Terms, OneagencyOS grants the agency a limited, nonexclusive, nontransferable right for authorized users to use the service during the subscription term. No source code, ownership, or implied rights are transferred. If you provide feedback, OneagencyOS may use it without restriction or compensation, provided we do not identify you publicly without permission.

13. Suspension and Termination

We may suspend access when reasonably necessary to address a security threat, unlawful use, material violation, provider restriction, or overdue payment. We will limit the suspension and provide notice when reasonably practicable. Either party may terminate for a material breach not cured within 30 days after written notice, or sooner when cure is impossible. Data export and deletion after termination follow the Retention and Deletion Policy and the signed agreement.

14. Disclaimers

EXCEPT AS EXPRESSLY STATED IN A SIGNED AGREEMENT, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, ONEAGENCYOS DISCLAIMS IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE, AI OUTPUT, THIRD-PARTY DATA, CARRIER RESULTS, OR INTEGRATIONS WILL BE ERROR-FREE, COMPLETE, OR UNINTERRUPTED.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR LOST PROFITS, REVENUE, GOODWILL, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY. EXCEPT FOR PAYMENT OBLIGATIONS, MISUSE OF THE OTHER PARTY'S INTELLECTUAL PROPERTY, BREACH OF CONFIDENTIALITY, FRAUD, GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR LIABILITY THAT CANNOT LAWFULLY BE LIMITED, EACH PARTY'S TOTAL LIABILITY ARISING FROM THE SERVICE WILL NOT EXCEED THE FEES PAID OR PAYABLE TO ONEAGENCYOS FOR THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

16. Indemnification

The agency will defend and indemnify OneagencyOS against third-party claims arising from unlawful Customer Data, the agency's violation of insurance or communications laws, unauthorized instructions, or misuse of the service. OneagencyOS will defend and indemnify the agency against a third-party claim that the unmodified paid service infringes a U.S. patent, copyright, or trademark, subject to customary exclusions and remedies. The indemnified party must provide prompt notice, reasonable cooperation, and control of the defense to the indemnifying party.

17. Governing Law and Disputes

Florida law governs these Terms without regard to conflict-of-law rules. The parties consent to exclusive jurisdiction and venue in the state and federal courts located in Hillsborough County, Florida. Before filing suit, each party will give written notice and allow senior representatives at least 30 days to attempt a good-faith resolution, except for urgent injunctive relief or claims that would expire.

18. Changes and General Terms

We may update these Terms by posting a revised version and changing the effective date. Material changes to paid service terms will apply at renewal unless required sooner by law or needed to address security or abuse. You may not assign these Terms without consent, except with a merger or sale of substantially all assets. OneagencyOS may assign them in connection with a corporate transaction. If a provision is unenforceable, it will be modified to the minimum extent needed and the remainder will continue. Delay in enforcement is not a waiver. These Terms, incorporated policies, and any signed agreement are the entire agreement for their subject matter.

19. Contact

OneagencyOS LLC, Tampa, Florida
hello@oneagencyos.com