Terms of Service

Draft — pending legal review. This is placeholder text and is not yet the binding agreement. Final terms will be provided before billing begins.

Last updated: November 2026

1. The service

InsureFlow provides software that lets insurance agencies collect commercial insurance applications from their clients online, generate ACORD-style forms and spreadsheets from those applications, and share them with wholesalers. InsureFlow is a software tool only. It is not an insurance agency, broker, carrier or wholesaler, does not provide insurance advice, and does not bind or place coverage.

2. Accounts

An agency account is created by an administrator, who may invite other users. You are responsible for the accuracy of your account information, for keeping your login credentials secure, and for all activity under your account. Wholesaler accounts are provided free of charge at the invitation of an agency.

3. Subscription and billing

Agency subscriptions are billed per user, per month, at the price shown on our website at the time of purchase. Subscriptions renew monthly until cancelled. You may cancel at any time; cancellation takes effect at the end of the current billing period. Fees are non-refundable except where required by law. We may change prices with at least 30 days' notice.

4. Your data

Applications, documents and other information you or your clients submit remain yours. You grant us permission to store, process and transmit that information only as needed to provide the service, including sending it to the wholesalers you choose. You are responsible for having the right to collect and share your clients' information, and for complying with insurance, privacy and licensing laws that apply to you.

5. Acceptable use

You agree not to misuse the service, including by attempting to access other customers' data, interfering with the service's operation, uploading malicious files, or using the service for any unlawful purpose.

6. Accuracy of forms

Generated forms and spreadsheets are based on the information entered. You are responsible for reviewing every application and form for accuracy and completeness before submitting it to any wholesaler or carrier. ACORD is a trademark of ACORD Corporation; InsureFlow is not affiliated with or endorsed by ACORD.

7. Availability and changes

We work to keep InsureFlow available and secure, but the service is provided "as is" without warranties of any kind. We may update or change features over time.

8. Limitation of liability

To the extent permitted by law, InsureFlow's total liability for any claim relating to the service is limited to the fees you paid in the 12 months before the claim. We are not liable for indirect, incidental or consequential damages, including lost business or coverage decisions.

9. Termination

You may stop using the service at any time. We may suspend or terminate accounts that violate these terms. After termination you may request an export of your data for 30 days, after which it may be deleted.

10. Contact

Questions about these terms: carlos@nolasko.com.