InsurEasier Terms of Service for Agents

Table of Contents (Summary) – Please note that this Table of Contents is provided solely for convenience and as a brief overview. You are required to comply with the complete and detailed Terms of Service outlined in the sections below.

1. Definitions

2. Intellectual Property - All Content on this site is protected by copyright laws.

3. Termination - InsurEasier can terminate or restrict access at our sole discretion.

4. Governing Law and Dispute Resolution - State of Texas and the US.

5. Third-Party Links - InsurEasier is not responsible for any third-party.

6. Data Security and Leakage - InsurEasier cannot guarantee absolute security.

7. Limitations

Agent Privileges: Your use of this site grants you specific privileges.
Agent Restrictions: Possible fines, termination, and legal consequences. Refer to complete Terms of Service for more details.
- False Accounts: Creating an account under a false identity.
- Misleading Information: Providing inaccurate information.
- Non-allowed Data: Storing non-insurance-related data or malware.
- Abuse: Misuse or unauthorized access to site Content.
- Unauthorized Sharing: Sharing except as authorized.
- Accessing Restricted Content: Accessing unauthorized content.
- Excessive Bidding: Bidding more than reasonable.
- Deviant Behavior: Engaging in deviant behavior.
- Circumventing and Dishonesty: Establishing direct relationships with users prior to them selecting you or engaging in dishonest activities:
  1. First Offense:
    - Option 1: 6-month probation and $350 or more fine.
    - Option 2: Pay a $500 or more fine without probation.
  2. Second Offense: Automatic $1,000 fine per offense or more and a 12-month non-disputable suspension of your account.
  3. Third Offense: Immediate, indefinite ban and a $2,000 fine per offense.
  4. Multiple infractions before detection may result in immediate escalation to second or third offense penalties, with all associated fines applied cumulatively.
  5. InsurEasier reserves the right to report such infractions to your State Department of Insurance or take additional legal action as necessary.
  6. You are required to report any instances of attempted circumvention by users or other agents. Failure to report such incidents may result in fines or termination of your account.

8. Usage Fees and Payments

Monthly Charges: Agents are subject to a monthly fee.
Bidding Charges: Upon agent winning a bid, the pledge is non-refundable.
Additional Policy Charges and Refunds: Any credit refund is subject to processing fee. Excessive or fraudulent refunding will have consequences.

9. Data Management and Update Requirements - Update user policy information within 14 days of the policy issuance, on InsurEasier.com.

10. Site Infractions – We’re not liable for unauthorized actions by users or agents.

11. Electronic Communications Consent - You consent to receive communications.

12. Disclaimer of Warranties

General Disclaimer: No warranties of any kind, either express or implied.
No Warranty for Bids or the Bidding Process: Regarding accuracy.

13. Limitation of Liability - InsurEasier shall not be liable for damages.

14. Indemnification - You agree to indemnify, defend, and hold harmless InsurEasier.

15. Confidentiality - User data is strictly confidential. You agree not to disclose data.

16. Force Majeure - We shall not be liable for anything out of our control.

17. Severability - Any provision found to be invalid shall be modified to enforce rules.

18. Assignment - InsurEasier reserves the right to assign its rights and obligations.

19. Entire Agreement - This Agreement supersedes all prior agreements.

20. Privacy Policy Consent – You consent to our Privacy Policy for Users & Agents.

21. Consent to Terms of Service - You agree to these Terms of Service.

22. Changes to Terms of Service - InsurEasier has the right to amend or modify.

23. Contact Information

Complete Terms of Service for Agents (Detailed) – Please refer below for the complete Terms of Service.

1. Definitions

“InsurEasier,” “we,” “us,” and “our” refer to InsurEasier, LLC, its affiliates, subsidiaries, designated management, officers, employees, and authorized representatives.
“InsurEasier’s site,” “this site,” or “our site” refers to all web pages, services, and affiliated platforms provided under the domain www.insureasier.com , or any other affiliated websites operated by InsurEasier, LLC, including sites used for data collection, storage, and agent or user interactions.
“Agent(s),” “you,” and “your” refer to any individual, agent, agency, broker, producer, or other entity that accesses or utilizes the InsurEasier site, especially within the agent portal, whether authorized or unauthorized. Unauthorized access will result in immediate termination, fines, and potential legal action.
“User” refers to any individual, group, or entity that accesses, references, visits, or utilizes the InsurEasier site, particularly within the member portal, including any party storing information or requesting quotes through the site.
“Member” or “Members” refer to any user who has registered and gained access to the member portal of the InsurEasier site.
“Data” encompasses any information collected, stored, used, or generated through this site, in any form, whether written, coded, in media, digital, or other forms, and includes Personal Data.
“Personal Data” refers to any Data that can directly or indirectly identify you, the agent, or any user, including but not limited to name, contact information, financial details, insurance-related information, or other identifying characteristics.
“Content” includes any material available on this site, whether created by InsurEasier or its users, and encompasses but is not limited to text, coding, design, logos, graphics, Data, media (audio, video, etc.), software, and any other proprietary or non-proprietary information.
“Carrier” refers to an insurance company or provider from which quotes and policies may be issued.
“Quotes Request” means a request submitted by a member to obtain insurance quotes via InsurEasier for a specific type of insurance.
“Bid” refers to the act of an agent selecting a Quotes Request to provide a potential quote, subject to selection by the site’s algorithm. "Bidding" is the process of placing such bids to potentially convert the quote into an active policy.
“Win” or an agent who has “won” a bid refers to an occurrence where a member has selected that agent's quote as the preferred option to convert into a policy.
“Pledge Amount” refers to the amount associated with a Quotes Request that an agent agrees to pay upon winning a bid, regardless of whether the agent successfully converts the quote into an active policy.

2. Intellectual Property

All Content on this site is protected by copyright laws. InsurEasier retains full rights, title, and interest to all content, materials, design, data, and intellectual property on this site, whether provided by InsurEasier, its affiliates, or derived from agent or user interactions. Users, including agents, are not permitted to reproduce, distribute, modify, or use any Content for commercial purposes without prior written consent from InsurEasier. InsurEasier reserves the right to withdraw such permission at any time. Any authorized use of InsurEasier’s logos or videos must be unedited and presented in a positive, honest, and non-defamatory manner. You are granted a limited, non-exclusive, revocable license to use this site for the purposes of accessing and using its services in accordance with these Terms. Unauthorized use or reproduction of any content is strictly prohibited, and legal action and additional fines from InsurEasier may be taken against violators.

3. Termination

InsurEasier reserves the right to terminate or suspend your account at its sole discretion, with or without notice, for any reason, including but not limited to violations of these Terms, inappropriate behavior, suspected fraudulent activities, or any actions deemed detrimental to InsurEasier’s interests or reputation. Any termination does not relieve you of any obligations under this Agreement, including payment of any outstanding fees or fines.

4. Governing Law and Jurisdiction

This Agreement shall be governed by the laws of the State of Texas and the United States, without regard to any conflict of law principles. All disputes arising out of or related to this Agreement shall be resolved exclusively in the state or federal courts located in Texas. Arbitration may be utilized within 60 days of filing, and any claims must be filed within one (1) year of the occurrence giving rise to the dispute. Users, agents, and carriers are expected to comply with the Health Insurance Portability and Accountability Act (HIPAA) and any applicable federal or state privacy laws.

5. Third-Party Links

InsurEasier does not share your Personal Data with third parties, except as necessary to provide our services, such as delivering SMS notifications or facilitating communication. While our website may contain links to third-party sites, we are not responsible for their content, accuracy, or practices. Accessing external links is at your own risk.

6. Data Security and Leakage

InsurEasier uses industry-standard safeguards to protect Personal Data. However, agents are also responsible for ensuring that data accessed or managed by them is protected in accordance with applicable laws, including the Gramm-Leach-Bliley Act (GLBA) and the Health Insurance Portability and Accountability Act (HIPAA). Agents are strictly prohibited from sharing user data outside of this site unless authorized. Unauthorized distribution of data may result in fines, termination, or legal action. Any data breach must be reported immediately to InsurEasier, and failure to do so may result in fines, termination, or legal action. In the event of a suspected data breach, notify us immediately. We will take appropriate action to address the issue and cooperate with any necessary investigation.

7. Limitations

Agent Privileges: Your use of this site grants you specific privileges, such as access to data for quote generation and policy management, but you must adhere to all policies and procedures outlined by InsurEasier. Misuse or abuse of these privileges may result in disciplinary actions.
Agent Restrictions: Agents found engaging in unauthorized practices, such as creating false accounts, providing misleading information, or attempting to circumvent InsurEasier's systems, will be subject to fines, immediate termination, and potential legal action, including but not limited to, reporting to the appropriate licensing authorities.
- False Accounts: Creating a False Account, defined as registering under a false identity or providing inaccurate or misleading information about your identity, is strictly prohibited. InsurEasier utilizes your Personal Data to verify your identity and insurance licensing. Any attempt to create a false account will result in fines starting at $500 per occurrence for the investigation and removal of such an account. If the false account is used to bid on or create fraudulent quotes, the fines will be significantly higher (a minimum of $5,000 ), and legal action, including felony charges, may be pursued. You may also face reporting to your State's Department of Insurance.
- Misleading Information: Providing false, incomplete, or misleading information while using this site is prohibited and may result in fines, suspension, or termination of your account. Fines for misleading information will start at $500 per occurrence and increase based on the severity and impact of the infraction. If you unknowingly provide incorrect information, you may dispute the charges, but intentional falsification will be met with strict penalties.
- Non-allowed Data: Agents are prohibited from storing information unrelated to insurance or beyond what is necessary for providing quotes and policies. Data that is irrelevant, excessive in storage size, or contains malware will result in fines starting at $200 (starting at $10,000 for intentional malware) per occurrence and potential termination. InsurEasier reserves the right to review and remove any non-compliant data at any time.
- Abuse: Misuse or unauthorized access to site Content is strictly prohibited and may result in fines starting at $1,000 per incident, as well as potential legal action.
- Unauthorized Sharing: You may not share, distribute, or otherwise misuse any Content from this site, especially user information, except as necessary for producing quotes or policies in compliance with this Agreement. Unauthorized sharing of any user or site content will result in fines determined on a case-by-case basis, starting at $500 per incident.
- Accessing Restricted Content: Accessing or attempting to access any content, data, or system for which you do not have authorization is strictly prohibited and may be illegal. Violators will face fines starting at $500 per occurrence, potential termination, and may be subject to further legal action.
- Excessive Bidding: Bidding on more Quotes Requests than you can reasonably handle is prohibited. If it is determined that you are not fulfilling your obligations (e.g., failing to provide timely or accurate quotes), you may be fined a minimum of $400 per occurrence. Excessive bidding disrupts the functionality of the site and undermines user trust, resulting in diminished business opportunities for all parties involved.
- Deviant Behavior: Engaging in deviant behavior, such as abusive language, harassment, trolling, or inappropriate messaging through the site's communication channels, is strictly forbidden. Fines for deviant behavior will start at $400 per occurrence, and you may face suspension or termination.Any behavior that damages the reputation of InsurEasier or its users will not be tolerated.
- Circumventing and Dishonesty: Circumventing this site to establish direct relationships with users or engaging in dishonest activities, such as providing misleading quotes or circumventing the bidding process, will result in severe penalties. The penalties are as follows:
  1. First Offense:
    - Option 1: You may choose to be placed on a 6-month probation while continuing to be charged the monthly fee (currently $29.99 but subject to change) plus an additional $170.06, totaling $350 or more. Suspension of bidding privileges applies, and failure to maintain payments will extend your suspension until payment is received.
    - Option 2: Pay a $500 or more fine to continue using the site without probation.
  2. Second Offense: Automatic $1,000 fine per offense or more and a 12-month non-disputable suspension of your account.
  3. Third Offense: Immediate, indefinite ban from the site for a minimum of three (3) years and a $2,000 fine per offense.
  4. Multiple infractions before detection may result in immediate escalation to second or third offense penalties, with all associated fines applied cumulatively.
  5. InsurEasier reserves the right to report such infractions to your State Department of Insurance or take additional legal action as necessary.
  6. You are required to report any instances of attempted circumvention by users or other agents. Failure to report such incidents may result in fines or termination of your account.

8. Usage Fees and Payments

Monthly Charges: Agents are subject to a monthly fee (currently $29.99 but subject to change) as outlined in your existing document. Failure to maintain payment will result in your account being frozen, suspended, or terminated. InsurEasier reserves the right to charge interest on any overdue payments, in accordance with applicable law.
Bidding Charges: Bidding charges are non-refundable once an agent wins a bid. Agents agree to be charged for any policy-related services rendered and understand that additional charges may apply if other policies are written for a user.
Additional Policy Charges and Refunds: Any refund requests will be subject to a review process and will include a processing fee. Refunds for credit purchases or bid deposits will be handled at InsurEasier’s sole discretion, and excessive or fraudulent refund requests may result in fines, suspension, or termination. Fraudulent use of the credit system will also result in appropriate legal action.

9. Data Management and Update Requirements

Agents must update user policy information within 14 days of the policy issuance, as stated in your existing document. Failure to do so may result in financial penalties and potential suspension of your bidding privileges. InsurEasier reserves the right to investigate and impose fines for inaccurate or incomplete data management.

10. Site Infractions

InsurEasier is not liable for any illegal or unauthorized actions performed by users or agents. We reserve the right to disclose relevant information to authorities or other third parties to resolve any violations of this Agreement, Privacy Policy, or applicable law.

11. Electronic Communications Consent

By using this site, you consent to receive communications from us electronically, whether via email, text message, or site notifications. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

12. Disclaimer of Warranties

General Disclaimer: The services provided on this site are offered "as is" and "as available," without warranties of any kind, either express or implied. InsurEasier does not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components. You acknowledge that use of this site is at your own risk.
No Warranty for Bids or the Bidding Process: InsurEasier makes no representations or warranties regarding the accuracy, completeness, or reliability of any user or policy information obtained through this site. All member information is provided directly by third-party users.

13. Limitation of Liability

To the fullest extent permitted by applicable law, InsurEasier shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses resulting from

your use or inability to use the site
unauthorized access to or alteration of your data
any errors or inaccuracies in information provided by members/users
any other matter relating to your use of the site

14. Indemnification

You agree to indemnify, defend, and hold harmless InsurEasier, its affiliates, agents, employees, and licensors from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of the site, your violation of these Terms of Service, or your infringement of any intellectual property or other rights of any third party.

15. Confidentiality

All information accessed through InsurEasier, including but not limited to user data, quotes, policy information, and proprietary technology, is strictly confidential. You agree not to disclose, share, or misuse this information for any purpose outside of your role as an agent on this platform. Any breach of confidentiality will result in immediate termination, fines, and potential legal action.

16. Force Majeure

InsurEasier shall not be liable for any failure or delay in performing its obligations under this Agreement if such failure or delay is due to circumstances beyond its reasonable control, including but not limited to natural disasters, acts of war, terrorism, labor strikes, government actions, or internet outages.

17. Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the extent necessary to make it enforceable, and the remaining provisions of this Agreement shall continue in full force and effect.

18. Assignment

InsurEasier reserves the right to assign or transfer its rights and obligations under this Agreement to any third party at any time without notice to you. You may not assign or transfer any rights or obligations under this Agreement without our prior written consent.

19. Entire Agreement

This Agreement constitutes the entire understanding and agreement between you and InsurEasier concerning your use of the site and supersedes all prior agreements, representations, or understandings, whether written or oral, regarding the subject matter.

20. Privacy Policy Consent

By accessing and using our site, you consent to our Privacy Policy for Agents. Please review it carefully, as it outlines how your data is collected, used, and shared.

By using this site, you agree to be bound by these Terms of Service.

22. Changes to Terms of Service

InsurEasier reserves the right to amend or modify this Terms of Service at any time. Any changes will be posted on this page, and users will be notified via email or a prominent notice on the site. Continued use of the site after changes are made signifies acceptance of the updated terms.

23. Contact Information

If you have any questions, concerns, or requests regarding the Terms of Service, please contact us at: InsurEasier, LLC

Address: P.O. Box 1122, Frisco, TX, 75034
Email: support@insureasier.com
Website: www.insureasier.com
Phone number: 844-732-7437

Effective Date: September 27, 2024