I-InsureCRM

2.1 Eligibility

I-InsureCRM is designed exclusively for licensed insurance agents and insurance professionals. By creating an account, you represent and warrant that you are:

• A licensed insurance agent or equivalent professional in good standing
• Of legal age in your jurisdiction to enter into binding contracts
• Authorized to use the Service in compliance with all applicable laws and regulations

2.2 Registration

You must provide accurate, complete, and current information during registration and keep your account information updated. You are responsible for maintaining the confidentiality of your login credentials.

2.3 Account Security

You are solely responsible for all activities that occur under your account. You must:

• Use a strong, unique password
• Never share your login credentials with anyone
• Notify us immediately at carpa.solutions@gmail.com if you suspect unauthorized access

2.4 Account Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms, including but not limited to:

• Providing false or misleading information
• Engaging in prohibited activities (see Section 7)
• Non-payment of subscription fees
• Breach of these Terms

3.1 Description

I-InsureCRM is a cloud-based Customer Relationship Management (CRM) platform designed specifically for licensed insurance agents. Our Service helps you manage leads, tasks, communications, client data, and business workflows.

3.2 Core Features

• Lead Management & Tracking
• Task Management & To-Do Lists
• Calendar Integration & Follow-up Reminders
• Analytics Dashboard
• AI Assistant for CRM Support
• Data Import/Export & Backup Tools
• Google Integrations (Gmail, Calendar, Drive) - available on select plans
• Email Campaign Composer - available on Elite plan
• Agent Landing Pages - If you are an Elite subscriber, you can create customizable public landing pages for lead generation, showcasing your professional profile, services, and collecting lead information from potential clients

3.3 Service Modifications

We continuously improve I-InsureCRM. We reserve the right to modify, update, add, or discontinue features, functionality, or the Service itself at any time, with or without prior notice. We will make reasonable efforts to notify users of significant changes.

3.4 Service Availability

While we strive for 99.9% uptime, we do not guarantee uninterrupted access to the Service. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

4.1 Data Ownership

You retain all ownership rights to the client data, lead information, and content you input into I-InsureCRM.We act as a data processor on your behalf, and we do not claim ownership of your data.

4.3 Your Responsibilities for Client Data

As a licensed insurance professional, you are solely responsible for:

• Legal Compliance: Ensuring all client data entered into I-InsureCRM is collected, stored, and processed in compliance with applicable federal, state, and local laws, including but not limited to:
  • GDPR (if serving EU residents)
  • CCPA (California Consumer Privacy Act) and other state privacy laws
  • Gramm-Leach-Bliley Act (GLBA) for financial information
  • Fair Credit Reporting Act (FCRA) for consumer reports
  • State insurance data security laws (e.g., New York DFS Cybersecurity Regulation)
  • NAIC Insurance Data Security Model Law requirements in your jurisdiction
  • HIPAA (Health Insurance Portability and Accountability Act) - if you handle Protected Health Information (PHI) for health insurance leads (see detailed requirements below)
• Client Consent: Obtaining all necessary consents from your clients for:
  • Collecting and storing their personal information, including sensitive data (SSN, health information, payment details)
  • Communicating with them via email, SMS, or phone
  • Storing their data in cloud-based systems
  • Integrating with third-party services (e.g., Google, DocuSeal)
  • Sharing data as required for insurance underwriting and policy issuance
• Data Accuracy: Ensuring the accuracy and completeness of all data entered, especially sensitive information like SSN and payment details.
• Secure Practices:
  • Using strong, unique passwords and never sharing account access
  • Logging out when using shared or public computers
  • Regularly reviewing account activity for suspicious behavior
  • Training staff (if applicable) on data security best practices
  • Implementing appropriate organizational security policies
• Payment Card Industry Compliance: While I-InsureCRM does not process live payment transactions (Stripe handles processing), you are responsible for:
  • Ensuring your collection and storage of payment card data complies with PCI DSS (Payment Card Industry Data Security Standard) requirements
  • Understanding that storing card security codes (CVV) after authorization is prohibited under PCI DSS
  • Limiting access to payment card data to only those who need it
  • Regularly updating and patching systems used to access I-InsureCRM

4.4 How We Use Your Data

We will only use your data to:

• Provide, maintain, protect, and improve the Service
• Communicate with you about the Service (e.g., updates, support)
• Analyze usage patterns to enhance features (anonymized data only)
• Comply with legal obligations

We do not sell, rent, or trade your client data to third parties.

4.5 Privacy Policy

Our handling of your personal information and client data is further governed by our Privacy Policy. Please review it carefully to understand how we collect, use, and protect your data.

5.1 Optional Integration

I-InsureCRM offers optional integration with Google services (Gmail, Google Calendar, Google Drive) on Growth Pro and Elite subscription plans. These integrations are designed to enhance your workflow and productivity.

5.2 Authorization & Consent

By connecting your Google account to I-InsureCRM, you explicitly authorize us to:

• Send emails on your behalf via Gmail
• Create, read, update, and delete events in your Google Calendar
• Create folders and upload files to your Google Drive
• Access and manage files you've uploaded through I-InsureCRM

You can disconnect these integrations at any time from your Google Integration settings page within I-InsureCRM.

5.3 Google API Services User Data Policy Compliance

I-InsureCRM's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.

5.4 Your Compliance Obligations

You must ensure your use of Google integrations complies with:

• Google's Terms of Service
• Google's Privacy Policy
• All applicable data privacy laws
• Your clients' consent for automated communications and data storage

5.5 Data Storage in Google Drive

When you enable Google Drive integration, lead attachments and documents are stored in your personal Google Drive account. Your Google Drive storage capacity applies - I-InsureCRM does not provide additional storage beyond what your Google account includes.

7.1 Prohibited Activities

You agree NOT to use I-InsureCRM to:

• Engage in any unlawful, fraudulent, or deceptive activities
• Upload or transmit viruses, malware, or any harmful code
• Harass, abuse, threaten, or defame any person or entity
• Send unsolicited marketing communications (spam) in violation of CAN-SPAM or other anti-spam laws
• Infringe on intellectual property rights of others
• Attempt to gain unauthorized access to our systems, other users' accounts, or connected services
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service to compete with I-InsureCRM or create a similar product
• Remove, obscure, or alter any proprietary notices (copyright, trademark) on the Service

7.2 Compliance with Insurance Regulations

As a licensed insurance professional, you must use I-InsureCRM in strict compliance with all applicable:

• Federal and state insurance laws and regulations
• NAIC (National Association of Insurance Commissioners) guidelines
• State insurance department requirements
• Ethical guidelines governing your profession
• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Marketing and solicitation rules

7.3 Consequences of Violation

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account, and we may report illegal activities to law enforcement authorities.

8.1 Subscription Plans

I-InsureCRM offers three subscription tiers:

• Starter Agent: $9.99/month - Up to 25 active leads, 500 MB storage, core CRM features
• Growth Pro: $24.99/month - Up to 100 active leads, 2 GB storage, Google integrations
• Elite: $39.99/month - Unlimited leads, 15 GB storage, email campaigns, priority support, DocuSeal Integration for electronic signatures

New users starting with the Starter Agent plan receive a 14-day free trial.

8.2 Billing

Subscription fees are billed monthly in advance and are non-refundable. Payments are processed securely through Stripe. By providing payment information, you authorize us to charge your payment method automatically each billing cycle.

8.3 Price Changes

We reserve the right to modify subscription prices with at least 30 days' notice. Price changes will not affect your current billing cycle but will apply to subsequent renewals.

8.4 Cancellation

You may cancel your subscription at any time from the Billing & Plans page. Cancellation takes effect at the end of your current billing cycle. No refunds are provided for partial months.

8.5 Non-Payment

If payment fails, we will attempt to charge your payment method again. If payment is not received within 7 days, your account may be suspended or downgraded, and access to certain features may be restricted.

9.1 Our Intellectual Property

I-InsureCRM, including its software, design, logos, trademarks, and all related intellectual property, is owned by Carpa Solutions LLC and protected by U.S. and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the Service solely for your business purposes. This license does not grant you any ownership rights.

9.2 Your Content

You retain all rights to the content you create and upload to I-InsureCRM (lead data, notes, attachments, etc.). By using the Service, you grant us a limited license to store, process, and display your content solely for the purpose of providing the Service to you.

9.3 Feedback

If you provide us with feedback, suggestions, or ideas for improvement, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such feedback into our Service without compensation or attribution.

10.1 "AS IS" Disclaimer

I-InsureCRM is provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted or error-free operation.

10.2 No Professional Advice

I-InsureCRM is a CRM tool and does not provide legal, financial, insurance, tax, or regulatory advice. You are responsible for ensuring your use of the Service complies with all applicable laws and professional standards. Consult with qualified professionals as needed.

10.3 Limitation of Liability

To the maximum extent permitted by law, Carpa Solutions LLC, its officers, directors, employees, and affiliates shall NOT be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use the Service
• Unauthorized access to or alteration of your data
• Any third-party actions or content (including Google services)

Our total liability to you for any claims arising from your use of I-InsureCRM shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

12.1 By You

You may terminate your account at any time by canceling your subscription or contacting us at carpa.solutions@gmail.com.

12.2 By Us

We reserve the right to suspend or terminate your access to I-InsureCRM immediately, without prior notice, if you breach these Terms, engage in prohibited activities, or if required by law.

12.3 Effect of Termination

Upon termination:

• Your access to the Service will cease immediately
• You will no longer be charged subscription fees
• Your data may be deleted after a grace period (typically 30 days), unless otherwise required by law
• We strongly recommend exporting your data before cancellation

13.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law principles.

13.2 Dispute Resolution

Any disputes arising from these Terms or your use of I-InsureCRM shall be resolved through binding arbitration in Hollywood, Florida, in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits.

17.1 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

17.2 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.