Terms of Service

These Terms of Service (“Terms”) govern access to and use of the Bindloops platform provided by Bindloops Inc. (“Bindloops,” “we”) by insurance agencies and their authorized users (“Customer,” “you”). By using Bindloops you agree to these Terms and to our Privacy Policy.

1. The service

Bindloops provides software for insurance agencies, including CRM, telephony, automation, training, and related tools. We may update, add, or remove features over time.

2. Accounts & eligibility

You must be an authorized representative of a business, at least 18 years old, and provide accurate information. You are responsible for safeguarding credentials and for activity under your account.

3. Customer responsibilities & compliance

You are responsible for your use of the platform and for complying with all laws and regulations applicable to your business — including insurance licensing and appointment requirements, suitability/best-interest rules, TCPA and consent requirements for calls/SMS, call-recording consent, HIPAA, biometric-privacy laws, and obtaining all necessary consents from your clients. Bindloops provides tools to help, but does not provide legal, compliance, financial, or insurance advice, and is not responsible for your regulatory compliance.

4. Customer data

As between the parties, you own the data you and your clients submit. You grant Bindloops the rights needed to operate the service. Bindloops processes such data on your behalf under our Data Processing Agreement and, where applicable, a Business Associate Agreement (HIPAA).

5. Third-party services

The platform integrates third-party services (e.g., [Twilio], [Plaid], [Meta], [Stripe], [Supabase]). Your use of those features may be subject to the third party’s terms, and Bindloops is not responsible for third-party services.

6. Fees & billing

Paid plans are billed per the pricing presented at sign-up. [Billing terms, renewals, taxes, and refunds to be finalized by counsel.]

6.1 Landing page ownership & buyout

Landing pages created by Bindloops for your agency (including under Done-For-You setup tiers) are licensed to you for use on the platform while your subscription is active. Upon cancellation, you may purchase a perpetual license to your landing page (“Landing Buyout”) for a one-time fee of $497 — or $249 if you previously purchased the Done-For-You Enterprise setup. The Landing Buyout includes the page’s source code (HTML/CSS), design, images and copy, and transfer of the associated domain name where Bindloops registered it on your behalf.

The Landing Buyout does not include platform-connected functionality (CRM form submissions, automations, online booking, analytics), which requires an active Bindloops subscription; the delivered page includes a standard contact form in their place. Stock assets and third-party fonts remain subject to their own licenses. Customer data export (contacts, deals, activity) is provided in CSV format upon account closure regardless of whether a buyout is purchased. [Delivery timelines, IP assignment vs. license scope, and trademark carve-outs (Bindloops marks) to be finalized by counsel.]

7. Acceptable use

You may not use the platform unlawfully, to send messages without required consent, to access other tenants’ data, or to compromise security.

8. Disclaimers

The platform is provided “as is” and “as available,” without warranties of any kind to the extent permitted by law. Bindloops does not provide legal, compliance, financial, tax, or insurance advice.

9. Limitation of liability

To the maximum extent permitted by law, Bindloops will not be liable for indirect, incidental, or consequential damages, and our aggregate liability is limited as set out in the final agreement. [Liability caps and exclusions to be set by counsel.]

10. Indemnification

You agree to indemnify Bindloops against claims arising from your misuse of the platform or breach of these Terms, including claims related to your communications with, or services to, your clients. [To be reviewed by counsel.]

11. Term & termination

Either party may terminate as provided in the agreement. We may suspend access for breach or for legal/operational reasons. Upon termination, data handling follows our Privacy Policy and the agreement.

12. Governing law & disputes

These Terms are governed by the laws of [State/jurisdiction], and disputes will be resolved in [forum or arbitration clause]. [To be defined by counsel.]

13. Changes

We may update these Terms and will post the current version here with its date. Continued use constitutes acceptance.