Terms of Service

By accessing, subscribing to, or using the Assurance AI platform (the "Service"), operated by Assurance AI LLC, a Florida limited liability company ("Company," "we," "us," or "our"), you ("Agent," "you," or "your") agree to be legally bound by these Terms of Service ("Terms"). If you do not agree to all Terms, you must not access or use the Service.

By signing up for the Service, completing onboarding, or by accessing the Service after these Terms have been posted, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

Assurance AI provides an AI-powered platform designed for licensed insurance agents, including but not limited to: lead generation and real-time delivery, customer relationship management (CRM) integration via GoHighLevel, AI voice assistant and automation capabilities, advertising campaign management via Meta (Facebook/Instagram), appointment scheduling, and training resources. The Service integrates with third-party platforms including Meta, GoHighLevel, Stripe, and others.

You must be at least 18 years of age and hold a valid insurance license in your state(s) of operation to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

You are solely responsible for ensuring that your use of the Service and any leads obtained through the Service complies with all applicable federal, state, and local laws, rules, and regulations, including but not limited to insurance licensing requirements, telemarketing regulations, the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and all applicable state insurance department regulations.

• Leads are generated through advertising campaigns managed on your behalf via the Meta platform. We manage ad creative, targeting, and campaign optimization.
• Lead orders specify a quantity and state selection. Leads are delivered in real-time directly to your CRM on a first-in, first-out (FIFO) basis.
• We do not guarantee the quality, accuracy, responsiveness, or conversion rate of any lead. Leads are delivered as-is based on information voluntarily provided by consumers through advertising forms. Consumer-provided information may be incomplete, inaccurate, or outdated.
• Leads delivered beyond your ordered quantity may be provided as unbilled leads at our sole discretion, without obligation.
• Lead pricing is subject to change at any time. Current pricing is displayed in your account dashboard prior to purchase. Pricing at time of order is locked in for that order.
• You acknowledge that lead generation results vary based on market conditions, geographic factors, seasonal trends, and other variables outside our control. Past performance does not guarantee future results.

The Service includes a CRM sub-account powered by GoHighLevel. Usage-based charges for CRM features (SMS, email, AI, phone calls) are billed through the platform at prevailing rates. By authorizing third-party integrations (Meta, GoHighLevel, Stripe, etc.), you grant us permission to access and use data from these platforms as necessary to provide the Service. You are independently responsible for complying with the terms of service and privacy policies of all third-party platforms you connect or use through the Service.

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation
• Resell, redistribute, share, or transfer leads obtained through the Service without prior written authorization
• Attempt to gain unauthorized access to the Service, other accounts, or related systems
• Use the Service in a manner that could damage, disable, overburden, or impair the Service
• Violate any applicable advertising laws, telemarketing regulations, or insurance marketing rules
• Misrepresent your identity, licensure status, or affiliation with the Service
• Use leads obtained through the Service to harass, deceive, or defraud consumers
• Reverse-engineer, decompile, or attempt to extract the source code of the Service

The Service, including its design, features, software, code, content, branding, trademarks, AI models, campaign strategies, ad creative, and all proprietary technology, is owned exclusively by Assurance AI LLC and is protected by United States and international intellectual property laws. You may not copy, modify, distribute, sell, license, or create derivative works from any part of the Service without our prior written consent. Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to use the Service solely for your insurance business operations during the term of your subscription.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We make no representations or warranties regarding the accuracy, reliability, or completeness of any leads, data, or information provided through the Service. Any reliance on the Service or its outputs is at your sole risk.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively through binding arbitrationadministered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Miami-Dade County, Florida. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration against the Company.

• We may suspend or terminate your account at any time, with or without cause, and with or without notice, for violation of these Terms, non-payment, or for any other reason at our sole discretion.
• Failed Payment Auto-Cancellation: If your payment method fails and payment is not resolved within seven (7) days, your account will be automatically cancelled. Lead delivery will be paused immediately upon payment failure. CRM access, phone numbers, and all associated services may be deactivated without further notice.
• Upon termination or cancellation: (a) your right to use the Service ceases immediately, (b) all outstanding balances become immediately due and payable, (c) your CRM sub-account will be deactivated, (d) undelivered leads on active orders are forfeited, and (e) no refunds or credits will be issued.
• Data Loss: We are not responsible for any loss of data, contacts, leads, CRM records, campaign history, phone numbers, or any other information stored in or associated with your account following termination, cancellation, or account deactivation. It is your sole responsibility to export and back up your data prior to cancellation. Once an account is deactivated, data may be permanently deleted and cannot be recovered.
• We shall have no liability to you for any termination of your access to the Service, including any resulting loss of business, revenue, or data.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. To the extent any dispute is not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Miami-Dade County, Florida. You waive any objection to such jurisdiction or venue, including on the basis of forum non conveniens.

We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, government actions, Internet or telecommunications failures, third-party platform outages (including Meta, GoHighLevel, or Stripe), power outages, or cyberattacks.

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Assurance AI LLC regarding the Service and supersede all prior or contemporaneous agreements, representations, warranties, and understandings, whether written or oral.

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through the Service. Your continued use of the Service after the effective date of any modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue use of the Service.

If you have questions about these Terms, please contact us at: support@assuranceaigroup.com

Assurance AI LLC • State of Florida