If you have any questions about these Terms, please contact us at [email protected]

1. Agreement

These Terms constitute a legally binding agreement between you (“Client,” “User,” or “You”) and InsuraCentral (“InsuraCentral,” “We,” or “Us”). The Terms govern your use of our website located at https://insuracentral.com (the “Site”) and all services we provide through the Site, including our life insurance Customer Relationship Management (CRM) system and Dialer functionality (collectively, the “Platform” or “Services”). By using our Services, you represent that you have the authority to enter into this Agreement on behalf of your organization, if applicable.

2. Eligibility and Age Requirements

You must be at least 18 years of age to use our Services. By accessing or using the Platform, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into this Agreement. If you are using the Services on behalf of a business entity, you further represent that you have the authority to bind that entity to these Terms.

Upon successful registration and, if applicable, payment of any required fees, InsuraCentral grants you a limited, non-exclusive, non-transferable, revocable license to access and use our Services solely for your internal business purposes. Your use of the Services is strictly subject to these Terms and any additional policies incorporated herein. You further agree that your access to the Platform is subject to the licensing terms and restrictions imposed by our technology and data partners as noted below.

3. Data Sources, Ownership of Leads, and Cloud Data Management

3.1 Data Sources and Ownership of Leads

InsuraCentral is a technology platform designed to facilitate the management of life insurance leads, communications, and client relationships. You are solely responsible for obtaining, verifying, and ensuring the legal compliance of any lead data you use with our Services. InsuraCentral does not endorse, guarantee, or assume any liability regarding the source, quality, or legality of any lead data.

3.2 Cloud Data Management

All cloud data that is hosted on our Platform—including data provided by users and data downloaded from the InsuraCentral CRM—is managed by Insurtech Data Solutions LLC (Wyoming). By using our Services, you acknowledge and agree that:

• Insurtech Data Solutions LLC is responsible for the storage, security, and management of your cloud data.
• You retain ownership of your data; Insurtech Data Solutions LLC acts solely as a data processor on behalf of InsuraCentral in accordance with our contractual arrangements and applicable law
• Your use of the Platform's cloud data is subject to these Terms and any applicable data protection policies referenced herein

4. External Resources and Third-Party Integrations

Our Services may include integrations with third-party applications or features that are not directly developed by InsuraCentral. In particular:

• Dialer Integration: The dialer functionality offered within our Platform is owned and provided as a third‑party integration by AI PowerDialer LLC (Wyoming).
• Cloud Data Management: As noted above, all cloud data hosted on the Platform is managed by Insurtech Data Solutions LLC (Wyoming).

You acknowledge that InsuraCentral has no control over these third-party resources and is not responsible for their content, availability, or functionality. Your use of any such resources is governed solely by the third party's own terms and conditions.

5. Proprietary Rights and Ownership

The Platform is comprised of multiple components provided by different entities. Your use of the Services is subject to the following intellectual property rights:

• CRM Software: The CRM component of the Platform is owned, licensed, and provided by InsuraCentral LLC (Indiana). All rights, title, and interest in this software remain with InsuraCentral LLC.
• Dialer System: The dialer functionality is owned and provided as a third‑party integration by AI PowerDialer LLC (Wyoming). Use of the dialer is subject to any additional terms that AI PowerDialer LLC may impose, which you acknowledge and agree to as part of your overall use of the Platform
• Cloud Data Management: All cloud data hosted on the Platform—whether provided by you or downloaded from the InsuraCentral CRM—is managed by Insurtech Data Solutions LLC. While you retain ownership of your data, Insurtech Data Solutions LLC is responsible for its storage and processing

Except as expressly provided herein, no transfer of intellectual property rights is intended or implied from these entities to you. You may not modify, distribute, reverse engineer, decompile, or otherwise attempt to derive the source code or proprietary algorithms of any part of the Platform.

6. Confidential Information

You agree to maintain the confidentiality of any non-public information disclosed by InsuraCentral or accessed through the use of our Services (“Confidential Information”). This obligation applies during your use of the Services and continues indefinitely after termination.

7. Registration, Account Security, and Use of the Platform

• Registration: To access our Services, you must register for an account and provide complete, accurate, and current information as prompted.
• Account Security: You are responsible for maintaining the confidentiality of your account credentials (including passwords) and for all activities that occur under your account. If you suspect any unauthorized use, you must promptly notify InsuraCentral at [email protected].
• User Conduct: You agree not to misrepresent your identity or provide false information when registering or using the Services.

8. Acceptable Use and Compliance with Laws

You agree to use the Services only in accordance with all applicable local, state, federal, and international laws and regulations, including but not limited to:

• Data protection and privacy laws;
• Telemarketing and electronic communications laws (e.g., TCPA, Do-Not-Call rules)
• Insurance industry regulations regarding client solicitation, data handling, and marketing communications.

Your use of the Platform's dialer, CRM, and related features must adhere strictly to these laws. Any violation may result in immediate suspension or termination of your account and may subject you to legal liability.

9. SMS Messaging Terms

InsuraCentral provides SMS messaging capabilities to facilitate communication between insurance agents and their clients. By using our SMS features, you agree to the following terms:

9.1. Agent Responsibilities

As an insurance agent using our Platform's SMS features, you agree to:

• Only message clients who have provided consent to receive text messages from you
• Maintain records of consent for all SMS recipients
• Honor all opt-out requests immediately (STOP, UNSUBSCRIBE, CANCEL, END, QUIT)
• Not send spam, unsolicited messages, or marketing to non-consenting recipients
• Comply with all applicable laws including TCPA, CTIA guidelines, and carrier requirements
• Use SMS messaging only for legitimate business communications with your clients

9.2. Permitted Message Types

SMS messages sent through our Platform should be limited to:

• Appointment reminders and confirmations
• Policy renewal notices and updates
• Payment reminders
• Birthday and anniversary greetings
• Quote and application follow-ups
• Service-related communications

9.3. Recipient Rights

Recipients of SMS messages sent through InsuraCentral may opt-out at any time by replying STOP to any message. Message and data rates may apply. Message frequency varies based on the client relationship.

9.4. Prohibited Conduct

You may not use our SMS features to:

• Send messages to recipients who have not consented
• Send messages to recipients who have opted out
• Send deceptive, misleading, or fraudulent content
• Violate any applicable laws or regulations
• Harass or send excessive messages to recipients

Violation of these SMS terms may result in immediate suspension or termination of your account and SMS privileges.

For complete details on how SMS consent is collected and managed, please visit our SMS Consent & Opt-In Disclosure page.

10. Payment, Fees, Billing, and Refunds

• Fees: Certain features of the Platform may require payment. All fees—including subscription, usage, or additional feature fees—are disclosed during registration or in separate fee schedules. Fees are subject to change upon notice.
• Billing: By providing your payment information, you authorize InsuraCentral to charge your designated payment method on a recurring basis for access to the Services.
• Automatic Renewal: Your subscription renews automatically. Unless you cancel before the end of the then-current term, your subscription will renew for a further term of the same length and your payment method will be charged the then-current price for that plan. The billing interval, price, and renewal date for your plan are shown at checkout and in your account settings at all times. If we change the price applicable to a renewal, we will notify you by email at least thirty (30) days before that renewal takes effect, and the change will not take effect until your next renewal.
• How to Cancel: You may cancel at any time, without charge or penalty, in your account settings under Billing — the same place you signed up, in no more steps than it took to subscribe. Cancellation is effective at the end of the current billing period. You may also cancel by emailing [email protected], and we will process it within one business day. We will not require you to call, chat, or speak with anyone in order to cancel.
• Renewal Reminders: For any subscription term of one year or longer, and for any free trial or promotional period that converts into a paid subscription, we will send an email reminder to the address on your account before you are charged, identifying the renewal date and the amount.
• Taxes: All fees are exclusive of applicable taxes, which you agree to pay as required by law.
• Refunds: All subscription fees are non-refundable except as required by applicable law. You may cancel your subscription at any time, and cancellation will take effect at the end of your current billing period. No partial refunds will be issued for unused portions of a billing period. In exceptional circumstances, refund requests may be submitted to [email protected] within 7 days of charge for review at InsuraCentral's sole discretion.
• Cancellation: You may cancel your subscription at any time through your account settings or by contacting [email protected]. Upon cancellation, you will retain access to paid features until the end of your current billing period. InsuraCentral reserves the right to delete your account data 30 days after the end of your subscription unless you request a data export.
• Failed Payments: If your payment method fails, InsuraCentral may suspend your access to paid features until payment is successfully processed. We may attempt to charge your payment method multiple times before account suspension.

11. Indemnification

You agree to indemnify, defend, and hold harmless InsuraCentral, its officers, directors, employees, agents, and affiliates—as well as AI PowerDialer LLC (Wyoming), Insurtech Data Solutions LLC (Wyoming), InsuraCentral LLC (Indiana), and Cranfer Technologies LLC (Wyoming)—from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Services;
• Your breach of these Terms or any applicable law;
• Any claim that the data, communications, or other content you provide infringes upon or violates any third-party intellectual property or proprietary right;
• Any non-compliant or improper use of the dialer or CRM features; or
• Any act or omission by you or your agents in connection with your use of the Platform.

InsuraCentral and its partners reserve the right to assume the exclusive defense and control of any claim subject to indemnification by you.

12. Disclaimers of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. InsuraCentral does not warrant uninterrupted or error-free operation of the Services, and the performance of the dialer or other integrated components (provided by AI PowerDialer LLC) may be affected by factors beyond our control.

13. Limitation of Liability

• Exclusion of Damages: IN NO EVENT SHALL InsuraCentral, AI PowerDialer LLC (Wyoming), Insurtech Data Solutions LLC (Wyoming), InsuraCentral LLC (Indiana), or Cranfer Technologies LLC (Wyoming) (collectively, “the Providers”) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES.
• Aggregate Liability: The aggregate liability of the Providers for any and all claims under these Terms shall not exceed the total amount paid by you for the Services in the three (3) months preceding the claim.

14. Service Availability and Maintenance

While InsuraCentral and its partners will make commercially reasonable efforts to ensure the availability and performance of the Services, we do not guarantee uninterrupted or error-free operation. Scheduled maintenance, updates, or unforeseen issues may result in temporary service interruptions. InsuraCentral is not liable for any such interruptions.

15. Term and Termination

• Term: These Terms become effective upon your acceptance and continue until terminated by either party
• Termination by You: You may terminate your account at any time by following the procedures on our Site
• Termination by InsuraCentral or Partners: We reserve the right to suspend or terminate your account or access to the Services immediately, without prior notice, if you breach these Terms or engage in prohibited conduct.
• Effects of Termination: Upon termination, all rights granted to you will cease, and you must immediately stop using the Services. InsuraCentral may delete your account and associated data without further notice. You remain responsible for any fees incurred prior to termination.

16. Dispute Resolution, Arbitration, and Class Action Waiver

• Governing Law: These Terms are governed by the laws of the State of Indiana, without regard to its conflict of law principles, except that the Federal Arbitration Act governs the interpretation and enforcement of this Section 16.
• Informal Resolution First: Before starting an arbitration or a lawsuit, you agree to give us a chance to resolve the dispute informally. Send a written Notice of Dispute to [email protected] describing the dispute and the relief you seek. We will do the same for any dispute we raise with you. If the dispute is not resolved within sixty (60) days, either party may begin arbitration. This period tolls any applicable limitations period.
• Agreement to Arbitrate: Except as carved out below, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services — including disputes involving integrated third‑party components provided by AI PowerDialer LLC, Insurtech Data Solutions LLC, or Cranfer Technologies LLC — will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules (or, for disputes arising from business use where those Rules do not apply, its Commercial Arbitration Rules). The arbitration will be conducted by a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.
• Delegation: The arbitrator, and not any court, has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement, including whether any claim is subject to arbitration — except that a court decides any challenge to the Class Action Waiver below.
• What Is Not Arbitrated: Either party may (i) bring an individual claim in small claims court if it qualifies and remains there, and (ii) seek injunctive or other equitable relief in court to stop unauthorized use, infringement, or misappropriation of intellectual property or Confidential Information. Nothing here prevents you from reporting a matter to a government agency.
• Class Action and Jury Waiver: ARBITRATION IS INDIVIDUAL. You and InsuraCentral each waive any right to a jury trial and any right to bring or participate in a class, collective, consolidated, coordinated, or representative proceeding, and the arbitrator may not consolidate claims or preside over any form of representative action. If this waiver is found unenforceable as to a particular claim or remedy, that claim or remedy will be severed and heard in court while all other claims proceed in arbitration.
• Location and Costs: Arbitration will be conducted by telephone, videoconference, or written submission unless the arbitrator determines a hearing is necessary; if an in‑person hearing is held, it will take place in the county where you reside or another mutually agreed location. Filing and arbitrator fees are allocated under the applicable AAA rules, and InsuraCentral will pay any portion of your filing fee that exceeds what it would cost to file the same claim in court.
• Coordinated Filings: If twenty-five (25) or more similar claims are asserted against InsuraCentral by or with the assistance of the same counsel or coordinated parties, the claims will be administered in sequential batches of no more than fifty (50), with a single arbitrator per batch and the limitations period tolled for claims awaiting their batch. This is intended to make resolution faster and cheaper for both sides, not to delay any individual claim.
• 30-Day Right to Opt Out: You may reject this arbitration agreement by emailing [email protected] with your name, the email address on your account, and a statement that you opt out of arbitration, within 30 days of first accepting these Terms. Opting out affects nothing else in these Terms, and we will not retaliate or restrict your account for doing so. If you opt out, disputes will be resolved in the courts identified below.
• Court Venue (if arbitration does not apply): For any dispute not subject to arbitration — because you opted out, because the claim is carved out above, or because arbitration is held unenforceable — you and InsuraCentral consent to the exclusive jurisdiction and venue of the state and federal courts located in Marion County, Indiana.
• Third-Party Disputes: If a dispute arises solely between you and a third‑party provider and does not involve InsuraCentral, it is governed by that provider's own agreement.
• Survival: This Section survives termination of your account and of these Terms.

17. Notices

All notices under these Terms must be in writing and delivered to:

• Email: The email addresses provided during registration or to [email protected].
• Postal Mail: InsuraCentral's mailing address at:
  8520 Allison Pointe Boulevard, Suite 220 #122, Indianapolis, IN, 46250, USA
  Attn: Legal Department

Notices are deemed effective upon delivery.

18. Modifications to the Terms

InsuraCentral reserves the right to modify these Terms at any time. Material changes will be posted on our Site along with an updated Effective Date. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.

19. Entire Agreement; Severability; Waiver

• Entire Agreement: These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and InsuraCentral regarding the Services.
• Severability: If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and effect.
• Waiver: No waiver of any provision of these Terms is effective unless in writing and signed by an authorized representative of InsuraCentral. Failure to enforce any provision does not constitute a waiver of future enforcement.

20. Force Majeure

InsuraCentral, AI PowerDialer LLC, Insurtech Data Solutions LLC, InsuraCentral LLC, and Cranfer Technologies LLC shall not be liable for any failure or delay in performing obligations under these Terms due to causes beyond their reasonable control, including natural disasters, terrorism, labor disputes, or governmental actions.

21. Insurance Industry Disclaimers and Licensing Requirements

InsuraCentral is a technology platform, not an insurance company, insurance agency, or insurance broker. We do not sell, underwrite, or provide insurance products or services. The following disclaimers and requirements apply:

21.1. Agent Licensing Requirements

To use InsuraCentral's Services as an insurance agent, you represent and warrant that:

• Valid NPN Required: You possess a valid, current, and non-expired National Producer Number (NPN) issued by the National Insurance Producer Registry (NIPR).
• Active License Status: Your insurance producer license(s) are active, in good standing, and have not been revoked, suspended, or subject to any disciplinary action.
• State Licensing: You are properly licensed in each state where you conduct insurance business and maintain all required appointments with insurance carriers.
• Continuing Education: You are current on all continuing education requirements mandated by your licensing state(s).
• Notification of Changes: You agree to immediately notify InsuraCentral if your NPN or any state license expires, is suspended, revoked, or becomes subject to disciplinary action.

WARNING: Providing a false, invalid, expired, or fraudulent NPN will result in immediate account rejection or termination. InsuraCentral reserves the right to verify your NPN and licensing status at any time through NIPR and state insurance department databases. Accounts found to be using invalid credentials will be permanently banned from the platform.

21.2. Platform Disclaimers

• No Insurance Advice: InsuraCentral does not provide insurance advice, recommendations, or endorsements. Any information provided through the Platform is for informational purposes only and should not be construed as insurance, legal, tax, or financial advice.
• Independent Agents: Insurance agents using our Platform are independent licensed professionals who are solely responsible for their own business practices, compliance with applicable laws and regulations, and the accuracy of any information they provide to their clients.
• No Carrier Affiliation: InsuraCentral is not affiliated with any insurance carrier. We do not guarantee, endorse, or assume liability for any insurance products, policies, or coverage offered by agents using our Platform.
• Consumer Protection: If you are a consumer receiving services from an insurance agent using our Platform, your relationship is with that individual agent or their agency, not with InsuraCentral. Any complaints or disputes regarding insurance products or services should be directed to the agent, their agency, or the appropriate state insurance regulatory authority.

22. Electronic Communications and E-SIGN Consent

By using our Services, you consent to receive electronic communications from InsuraCentral, including but not limited to:

• Account notifications and alerts
• Billing statements and payment confirmations
• Service updates and announcements
• Legal notices, including changes to these Terms
• Marketing communications (which you may opt out of at any time)

E-SIGN Act Consent: In accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.), you agree that your electronic acceptance of these Terms constitutes a valid, binding agreement equivalent to a handwritten signature. You further consent to:

• Receive all contracts, notices, disclosures, and other communications electronically
• Use electronic signatures for all transactions conducted through the Platform
• The legal validity and enforceability of electronic records and signatures

You may withdraw your consent to receive electronic communications by contacting [email protected], but doing so may result in termination of your access to the Services, as electronic communication is essential to our Platform's operation.

23. Export Compliance

You agree to comply with all applicable export and re-export control laws and regulations, including but not limited to:

• The Export Administration Regulations (EAR) maintained by the U.S. Department of Commerce
• Sanctions programs administered by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury
• Any other applicable trade compliance regulations

You represent and warrant that:

• You are not located in, or a national or resident of, any country subject to comprehensive U.S. sanctions (including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine)
• You are not on any U.S. government restricted parties list, including the Specially Designated Nationals (SDN) List or Denied Persons List
• You will not use the Services in violation of any U.S. export control or sanctions laws

24. Endorsements, Testimonials, Referrals, and Income Claims

InsuraCentral operates a referral program and an affiliate program. The Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 C.F.R. Part 255) require that any material connection between an endorser and the product being endorsed be disclosed clearly and conspicuously.

• Your disclosure obligation: If you participate in our referral or affiliate program, or otherwise receive any payment, credit, discount, free service, prize, or other consideration in exchange for promoting InsuraCentral, you must clearly and conspicuously disclose that relationship in the same message, post, video, or page where the promotion appears. A disclosure buried in a bio, hidden behind a “more” link, or placed only in a profile does not satisfy this requirement.
• Truthfulness: You may not make any claim about InsuraCentral that is false, misleading, or that you cannot substantiate, and you may not present a scripted or incentivized statement as an unsolicited opinion.
• Enforcement: We may suspend or terminate participation in the referral or affiliate program, withhold unpaid amounts, and remove promotional materials for non-compliance with this Section.

Income and Results Disclaimer: InsuraCentral is software. It does not sell insurance, generate guaranteed sales, or produce income on your behalf.

• Any production figures, close rates, contact rates, premium totals, testimonials, case studies, or earnings examples shown anywhere by InsuraCentral or its affiliates are illustrative only and are not typical. They reflect the experience of specific users under specific conditions and are not a promise, projection, or guarantee of the results you will achieve.
• Your results depend on factors outside our control, including your licensing, your market, your lead sources and spend, your experience, your carrier appointments, your effort, and general economic conditions. Many users earn little or nothing.
• Nothing in our marketing, onboarding, coaching, community forums, or AI-generated content is a representation that you will achieve any particular level of income or production.

25. Artificial Intelligence Features and Automated Calling

The Platform includes features powered by artificial intelligence, including automated dialing, call transcription and summarization, AI-assisted messaging, quoting assistance, and conversational agents. The following applies to all of them.

• AI output is not advice. AI-generated summaries, suggestions, scripts, quotes, and recommendations may be incomplete, outdated, or wrong. They are not legal, tax, underwriting, compliance, or financial advice, and they do not replace your professional judgment or your carrier's requirements. You are responsible for reviewing any AI output before relying on it or sending it to a consumer.
• Disclosure of automated agents. Where you deploy an AI voice or messaging agent through the Platform, you are responsible for disclosing to the consumer that they are interacting with an automated system where disclosure is required — including under California Business & Professions Code § 17941, the Utah Artificial Intelligence Policy Act, and any comparable state law applicable to regulated occupations such as insurance. You must promptly and clearly disclose the use of generative AI when a consumer asks.
• Artificial and prerecorded voice. Calls placed using an AI-generated or prerecorded voice are treated as using an “artificial or prerecorded voice” under the Telephone Consumer Protection Act. You are responsible for obtaining prior express written consent where required before placing such calls, and for honoring revocation of consent by any reasonable means within ten (10) business days.
• Insurance decisioning. If you use AI features in connection with underwriting, rating, eligibility, marketing, or any other decision affecting a consumer's access to or cost of insurance, you remain responsible for compliance with applicable insurance regulation governing artificial intelligence and external consumer data, including state adoptions of the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, the Colorado Artificial Intelligence Act, and Colorado Division of Insurance regulation 3 CCR 702-10 where applicable. InsuraCentral is a technology provider and is not the decisionmaker.
• Training. We do not use your customer or lead data to train publicly available third-party foundation models. Where AI features are delivered through third-party providers, those providers process data on our instructions under contract.

AI features may be offered as beta or preview functionality and may be changed, limited, or discontinued at any time.

26. Mobile Applications and App Store Terms

InsuraCentral offers mobile applications distributed through third-party app stores. Your license to use a mobile application is a limited, non-exclusive, non-transferable, revocable license to use it on devices you own or control, in accordance with the usage rules of the applicable app store and these Terms.

Additional terms for applications obtained from the Apple App Store. If you obtained the application from Apple, you acknowledge and agree that:

• These Terms are between you and InsuraCentral only, not with Apple. InsuraCentral, not Apple, is solely responsible for the application and its content.
• Apple has no obligation to furnish any maintenance or support services for the application.
• If the application fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the application.
• InsuraCentral, not Apple, is responsible for addressing any claims relating to the application, including product liability claims, any claim that the application fails to conform to a legal or regulatory requirement, and any claim arising under consumer protection or privacy law.
• InsuraCentral, not Apple, is responsible for the investigation, defense, settlement, and discharge of any third-party intellectual property infringement claim relating to the application.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must comply with any applicable third-party terms of agreement when using the application.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

InsuraCentral's contact information for questions, complaints, or claims regarding the application is set out in the Contact Information section below. Applications obtained from Google Play are subject to the Google Play Terms of Service in addition to these Terms.

27. Copyright Complaints (DMCA)

We respond to notices of alleged copyright infringement under the Digital Millennium Copyright Act. If you believe material accessible on or through the Services infringes your copyright, send a written notice to our designated agent at [email protected] or at the mailing address in the Contact Information section, including:

• A physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
• Identification of the copyrighted work claimed to be infringed;
• Identification of the material claimed to be infringing and information reasonably sufficient to locate it;
• Your contact information;
• A statement that you have a good faith belief the use is not authorized by the copyright owner, its agent, or the law; and
• A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on the owner's behalf.

We may remove or disable access to allegedly infringing material, notify the affected user, and accept counter-notices as provided by the DMCA. We terminate the accounts of repeat infringers in appropriate circumstances.

28. Accessibility

We are working to make the Services usable by people with disabilities and aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. Accessibility is ongoing work rather than a finished state. If you encounter a barrier to using any part of the Services, or need information provided in an alternative format, email [email protected] and we will work with you to provide access to the information or functionality you need.

29. Additional Provisions

• Non-Assignment: You may not assign these Terms or your rights or obligations without our prior written consent.
• No Agency: Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and InsuraCentral or its partners.
• Headings: Section headings are provided for convenience only and do not affect the interpretation of these Terms.

30. Contact Information

If you have any questions or concerns regarding these Terms, please contact us at:

By using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, including all provisions regarding third-party integrations and proprietary rights.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access our website (https://insuracentral.com), use our mobile applications, or otherwise interact with our Services. Our Services include our life insurance CRM system and Dialer functionality, collectively referred to as the “Platform.”

In providing our Services, InsuraCentral partners with the following entities:

• InsuraCentral LLC (Indiana): Owner and provider of the CRM software.
• AI PowerDialer LLC (Wyoming): Owner and provider of the Dialer system (integrated as a third‑party service), powered by Cranfer Technologies LLC.
• Insurtech Data Solutions LLC (Wyoming): Responsible for managing all cloud data hosted on our Platform—including data provided by you and data downloaded from the InsuraCentral CRM.
• Cranfer Technologies LLC: Technology partner providing platform development and support services.

By accessing or using our Services, you agree to the practices described in this Privacy Policy.

1. Our Privacy Commitment

InsuraCentral is dedicated to protecting your personal information. We have implemented a variety of administrative, technical, and physical safeguards designed to protect your data from unauthorized access, use, or disclosure. We continuously review and update our privacy practices to address new challenges and comply with evolving legal requirements.

2. Information We Collect

We collect information from you in various ways, both directly and automatically, as you interact with our Platform.

2.1. Information You Provide Directly

• Registration and Account Information: When you register for an account, we collect information such as your full name, email address, phone number, mailing address, zip code, and, if applicable, business details (including your company name and other identifying information). For paid services, financial details (e.g., credit card numbers, billing addresses) are also collected solely for billing purposes.
• User-Provided Data: You may provide additional information by uploading data to our Platform (for example, client or lead data) or through forms, surveys, or communication with our support team.
• Communication Data: We collect information from your communications with us, including support requests, feedback, and other correspondence.

2.2. Information We Collect Automatically

• Usage Information: We collect information about how you use our Platform, including pages visited, features used, time spent, and other usage patterns.
• Device Information: We collect information about your device, including IP address, browser type, operating system, and device identifiers.
• Log Data: We automatically collect log information when you use our Services, including access times, pages viewed, IP address, and other standard web log information.

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Providing, maintaining, and improving our Services
• Processing transactions and managing your account
• Communicating with you about your account and our Services
• Providing customer support
• Complying with legal and regulatory requirements
• Protecting against fraud and unauthorized access
• Analyzing usage patterns to improve our Platform

4. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:

• Service Providers: We may share information with third-party service providers who assist us in operating our Platform and providing our Services.
• Legal Requirements: We may disclose information when required by law or to protect our rights and the rights of others.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.
• Consent: We may share information with your explicit consent.

5. Data Security and Compliance

InsuraCentral maintains a comprehensive, in-house security program designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our commitment to security goes beyond industry standards—we actively invest in protecting your data through rigorous compliance frameworks and continuous monitoring.

5.1. Security Certifications and Compliance

InsuraCentral maintains compliance with the following security and privacy frameworks:

• HIPAA: Underwriting involves sensitive health information, so we implement the administrative, physical, and technical safeguards required by the HIPAA Security Rule and are undergoing independent assessment of those controls. Note that life insurance agencies are generally not HIPAA “covered entities” — we hold ourselves to the standard because the data warrants it.
• SOC 2 Type II: Our controls are built to the SOC 2 Trust Services Criteria (security, availability, confidentiality, processing integrity, and privacy), and we are currently undergoing a SOC 2 Type II audit. Formal certification is pending; we will publish the report here once it is issued. Enterprise customers can request our current control documentation in the meantime.
• PCI DSS Compliance: For payment processing, we adhere to Payment Card Industry Data Security Standards (PCI DSS) to ensure your financial information is handled securely.
• State Privacy Laws: We comply with applicable comprehensive state privacy laws, including those of California (CCPA/CPRA), Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Florida, Delaware, Iowa, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky, and Rhode Island, as each takes effect, together with the Washington My Health My Data Act, the Nevada consumer health data law, and applicable state insurance privacy regulations.

5.2. Ongoing Security Measures

Our in-house security team implements the following ongoing security measures:

• Weekly Cybersecurity Audits: Our internal security team conducts comprehensive security audits every week to identify and remediate vulnerabilities before they can be exploited. These audits cover application security, infrastructure, access controls, and compliance verification.
• Penetration Testing: We conduct regular penetration testing using our in-house security team to simulate real-world attacks and identify potential security weaknesses. Results are immediately addressed through our vulnerability management program.
• 24/7 Security Monitoring: Our Security Operations Center (SOC) provides round-the-clock monitoring of our systems for suspicious activity, unauthorized access attempts, and potential security incidents. We utilize advanced threat detection and intrusion prevention systems.
• Encryption Standards: All data in transit is encrypted using TLS 1.3, the most current and secure transport layer protocol. Data at rest is encrypted using AES-256 encryption, ensuring your information remains protected even in storage.
• Access Controls: We implement role-based access controls (RBAC), multi-factor authentication (MFA), and principle of least privilege to ensure only authorized personnel can access sensitive data. All access is logged and regularly audited.
• Employee Security Training: All employees undergo mandatory security awareness training upon hire and annually thereafter. This includes training on phishing prevention, data handling, incident reporting, and compliance requirements.
• Incident Response: We maintain a documented incident response plan that is tested and updated regularly. Our team is prepared to respond quickly to any security incident, minimizing potential impact and ensuring timely notification to affected parties.
• Secure Development Practices: Our development team follows secure coding practices, including code reviews, static and dynamic application security testing (SAST/DAST), and vulnerability scanning as part of our CI/CD pipeline.

While we implement these comprehensive security measures, no method of transmission over the internet or electronic storage is 100% secure. We continuously evaluate and improve our security posture to address emerging threats and protect your information.

6. Your Rights and Choices

You have certain rights regarding your personal information:

• Access: You can request access to your personal information
• Correction: You can request correction of inaccurate information
• Deletion: You can request deletion of your data (subject to legal requirements)
• Portability: You can request a copy of your data in a portable format
• Opt-out: You can opt-out of marketing communications
• Restriction: You can request restriction of processing in certain circumstances

7. Data Retention

We retain your personal information for as long as necessary to provide our Services and fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

8. Third-Party Services

Our Platform integrates with third-party services, including AI PowerDialer LLC and Insurtech Data Solutions LLC. These third parties have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of these third parties.

9. Google User Data Disclosure

InsuraCentral uses Google OAuth for user authentication. This section specifically describes how we handle data obtained through Google APIs in compliance with the Google API Services User Data Policy.

9.1. Data We Access from Google

When you authenticate using Google Sign-In, we access only the following information:

• Email Address: Used to identify your account and for communication purposes
• Basic Profile Information: Your name and profile picture (if available) to personalize your experience
• Google Account ID: A unique identifier used to link your Google account to your InsuraCentral account

9.2. How We Use Google Data

The data obtained from Google is used exclusively for:

• Authenticating your identity and providing secure access to your account
• Creating and managing your InsuraCentral user account
• Sending account-related communications (e.g., password resets, security alerts)
• Displaying your name and profile picture within the Platform

We do not use Google user data for advertising purposes, and we do not access, store, or process any data from your Gmail, Google Drive, Google Calendar, or any other Google services beyond the basic profile information listed above.

9.3. Google Data Sharing

We do not sell, share, or transfer Google user data to any third parties except as strictly necessary to provide our Services (e.g., cloud hosting providers that store your account data securely). Google user data is never shared with advertisers, data brokers, or any parties for purposes unrelated to providing and improving our Platform.

9.4. Google Data Storage and Protection

Google user data is stored securely on encrypted servers with industry-standard security measures. We implement strict access controls to ensure only authorized personnel can access user data, and only when necessary for providing support or maintaining the Platform.

9.5. Google Data Retention and Deletion

We retain Google user data only for as long as your account remains active or as needed to provide our Services. You can request deletion of your Google-linked data at any time by:

• Contacting us at [email protected] with a data deletion request
• Deleting your InsuraCentral account through your account settings
• Revoking InsuraCentral's access through your Google Account permissions page

Upon account deletion or access revocation, we will delete your Google-linked data within 30 days, except where retention is required by law or for legitimate business purposes (such as fraud prevention).

10. SMS/Text Messaging

InsuraCentral enables licensed insurance agents to send SMS text messages to their clients through our Platform. This section describes how we handle SMS-related data and your rights regarding text messaging.

10.1. How Phone Numbers Are Collected

Phone numbers used for SMS messaging are collected by insurance agents from their existing clients during policy applications, quote requests, service interactions, or through established business relationships. Agents are required to obtain proper consent before messaging any client through our Platform.

10.2. Types of SMS Messages

Messages sent through our Platform include:

• Appointment reminders and confirmations
• Policy renewal notices
• Birthday and anniversary greetings
• Payment reminders
• Service updates and follow-ups
• Quote and application status updates

10.3. Message Frequency and Rates

Message frequency varies based on your relationship with your insurance agent and the services you have requested. Message and data rates may apply depending on your mobile carrier and plan.

10.4. Opting Out of SMS Messages

You can opt-out of receiving SMS messages at any time by:

• Replying STOP to any message you receive
• Replying UNSUBSCRIBE, CANCEL, END, or QUIT
• Contacting your insurance agent directly
• Emailing us at [email protected]

After opting out, you will receive a confirmation message and will no longer receive SMS messages from that sender. You may opt back in at any time by replying START or contacting your agent.

10.5. Help and Support

For help with SMS messaging, reply HELP to any message or contact us at [email protected].

10.6. SMS Data Protection

We do not sell, share, or transfer phone numbers to third parties for marketing purposes. Phone numbers are used solely for the purpose of facilitating communication between insurance agents and their clients through our Platform.

Mobile information, including phone numbers collected as part of SMS opt-in, will never be shared with or sold to third parties or affiliates for marketing or promotional purposes. SMS consent data is used exclusively to facilitate communication between licensed insurance agents and their clients through the InsuraCentral platform. For complete details on our SMS consent and opt-in practices, please visit our SMS Consent & Opt-In Disclosure page.

11. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). This section describes those rights and how to exercise them.

11.1. Your California Privacy Rights

As a California resident, you have the right to:

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, the business purposes for collecting it, and the categories of third parties with whom we share it.
• Right to Delete: Request deletion of your personal information, subject to certain exceptions (such as compliance with legal obligations).
• Right to Correct: Request correction of inaccurate personal information we maintain about you.
• Right to Opt-Out of Sale/Sharing: Opt out of the "sale" or "sharing" of your personal information. Note: InsuraCentral does not sell personal information to third parties.
• Right to Limit Use of Sensitive Personal Information: Limit the use of sensitive personal information to purposes necessary to provide the Services.
• Right to Non-Discrimination: Not be discriminated against for exercising any of your CCPA/CPRA rights.

11.2. How to Exercise Your Rights

To exercise any of these rights, you may submit a verifiable consumer request by:

• Emailing us at [email protected]
• Contacting us at [email protected]

We will verify your identity before processing your request and respond within 45 days (which may be extended by an additional 45 days if necessary). You may also designate an authorized agent to make a request on your behalf.

11.3. Categories of Personal Information

In the preceding 12 months, we have collected the following categories of personal information:

• Identifiers (name, email address, phone number, IP address)
• Commercial information (transaction history, subscription information)
• Internet or network activity (usage data, browsing history on our Platform)
• Professional information (business name, license information for agents)
• Geolocation data (approximate location based on IP address)

12. Data Breach Notification

We take data security seriously and have implemented measures to protect your personal information. In the event of a data breach that affects your personal information, we will:

• Notify affected users without unreasonable delay, and in no case later than required by applicable law (typically within 72 hours of discovery for most jurisdictions)
• Provide information about the nature of the breach and the types of information affected
• Describe the steps we are taking to investigate and remediate the breach
• Provide recommendations for steps you can take to protect yourself
• Provide contact information for questions or concerns

Notifications will be sent via email to the address associated with your account. In some cases, we may also post a notice on our website or notify you through the Platform.

13. Cookies and Tracking Technologies

We and our providers use cookies and similar technologies (including pixels and local storage) to keep you signed in, remember preferences, measure how the site and Platform are used, and measure the performance of our advertising.

• Strictly necessary: authentication, session security, and load balancing. We also run PostHog and Microsoft Clarity in this category: they are how we detect fraudulent signups, abuse of the Platform, and misuse of the calling and messaging tools, and how we diagnose faults. Both are configured to mask the contents of form fields, and we do not use either for advertising or share what they capture with any ad network. These cannot be switched off without breaking the Services or our ability to keep them safe.
• Advertising and measurement (optional): the Meta (Facebook) Pixel and Google Tag Manager. These do not load until you accept them, and you can change your decision at any time using the “Cookie Settings” link in the footer of our website.

We do not load optional cookies before you agree. If your browser sends a Global Privacy Control (GPC) signal we treat that as a decision to decline and we will not ask you again. Most browsers also let you block or delete cookies in their settings, and you can opt out of advertising cookies through your browser controls or the DAA opt-out page. Declining optional cookies will not prevent you from using the Services.

14. Recorded Calls and Voice Data

The Platform can record and store calls placed or received through it. Recording law varies by state: some require only one party to consent, while others require every party on the call to consent.

• Agents are responsible for lawful recording. If you enable recording, you are responsible for obtaining any consent required in the states you and your contacts are located in.
• Recordings and any transcripts are stored with your account data and are subject to the retention and security terms of this policy.
• If you are a consumer who was recorded and want a copy or deletion, contact the agent or agency who called you, or write to us and we will route the request.

15. Do Not Call and Telephone Consumer Protection

The Platform provides Do-Not-Call scrubbing, calling-window controls, and A2P 10DLC registration to help agents meet their obligations under the Telephone Consumer Protection Act (TCPA) and equivalent state statutes. These are tools, not a legal guarantee: the agent placing a call or sending a message is the party responsible for having a lawful basis to contact that person.

If you are a consumer and want to stop contact, reply STOP to any text, ask to be added to the internal do-not-call list on any call, or email [email protected] and we will pass the request to the responsible agent and suppress the number.

16. Financial Privacy (GLBA)

Insurance producers are financial institutions under the Gramm-Leach-Bliley Act (GLBA). Where we process nonpublic personal financial information on behalf of an agency, we act as a service provider and use that information only to deliver the Services. We maintain an information security program with administrative, technical, and physical safeguards consistent with the GLBA Safeguards Rule, and we do not sell nonpublic personal information.

17. Consumer Health Data

Life insurance underwriting involves health information. Where you or an agent enter information about a consumer's health, medical conditions, prescriptions, height, weight, tobacco use, or similar attributes, we treat that as consumer health data under the Washington My Health My Data Act, the Nevada consumer health data law, and the “sensitive personal information” provisions of state privacy laws.

• How we use it: Only to provide the Services — storing it in the agent's CRM record, passing it to a quoting or carrier system at the agent's direction, and supporting the agent's workflow. We do not sell consumer health data, and we do not use or share it for cross-context behavioral advertising or to train third-party models.
• Who can see it: The agency that collected it and the personnel it authorizes, plus our staff and subprocessors to the limited extent needed to operate and support the Platform.
• Right to withdraw and delete: A consumer may withdraw consent to our collection and sharing of their health data, and may request its deletion, by emailing [email protected]. We will confirm the request, delete the data from our production systems, and direct our subprocessors to do the same, within the timeframe the applicable law requires.
• Right to limit sensitive data use: Where state law provides a right to limit the use and disclosure of sensitive personal information, you may exercise it using the same address.
• Role of the agency: The agency or agent that collected the information is generally the party that decides why it was collected. We act on their instructions and will route a consumer request to them where they are the responsible party.

We do not use recorded calls or their transcripts to create a voiceprint or any other biometric identifier.

18. Your Privacy Choices

You can exercise the following choices at any time, free of charge, and we will not deny you service, charge you a different price, or provide a lower quality of service for doing so.

• Do Not Sell or Share My Personal Information. We do not sell personal information for money. We do use advertising cookies that may constitute “sharing” for cross-context behavioral advertising under California law. To opt out, email [email protected] with the subject line “Do Not Sell or Share,” or send a Global Privacy Control signal from your browser — we honor GPC as a valid opt-out request and treat it as applying to the browser and device it comes from.
• Limit the Use of My Sensitive Personal Information. Email [email protected] with the subject line “Limit Sensitive Data.”
• Access, correct, delete, or port your data. Use the same address, or your account settings where the option is available in the Platform.
• Opt out of marketing email using the unsubscribe link in any marketing message, or by replying to it.
• Stop text messages by replying STOP to any message. Reply HELP for assistance.
• Stop calls by asking to be placed on the internal do-not-call list during any call, or by emailing [email protected]. We will pass the request to the responsible agent and suppress the number.
• Authorized agents. You may use an authorized agent to submit a request; we may ask for proof of authorization and may ask you to verify your identity directly.
• Appeals. If we decline a request, you may appeal by replying to our decision. We will respond in writing within the period your state's law provides, and if we deny the appeal we will tell you how to complain to your state Attorney General.

We respond to verifiable requests within forty-five (45) days, extendable once where the law permits and we tell you why.

19. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

20. Children's Privacy

Our Services are not directed toward individuals under the age of 18. We do not knowingly collect Personal Information from minors. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to promptly delete the information from our systems.

21. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When material changes occur, we will update the "Last Revised" date at the top of this policy and notify you via our website or email if required. Your continued use of our Services after any changes constitutes your acceptance of the updated policy.

22. Contact Information

If you have any questions or concerns regarding this Privacy Policy, please contact us at:

By using the Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy and Security Statement.