Terms and Conditions

You may use the platform only for lawful insurance operations and only if you are legally authorized to conduct insurance business in each applicable jurisdiction.

If you are an agency, FMO, IMO, MGA, or similar entity, you represent that your users are properly supervised and that access is limited to authorized personnel.

You are solely responsible for maintaining active producer licenses, carrier appointments, continuing education obligations, and any required registrations in every state or territory where business is conducted.

Platform reminders, flags, and dashboards are informational only and do not constitute legal determinations, filing confirmations, or regulatory approvals.

You agree to comply with all applicable federal and state insurance laws, regulations, and bulletins, including producer conduct, replacement rules, anti-rebating restrictions, record retention, and unfair trade practice requirements.

Where applicable by state adoption, you must also account for obligations reflected in the NAIC Insurance Information and Privacy Protection Model Act framework.

For ACA and Marketplace-related workflows, you remain responsible for meeting CMS and Marketplace obligations, including consent, enrollment, and attestation requirements when applicable.

Commission, override, split, and payout data may originate from carriers, downstream systems, and user-entered information. You are responsible for reviewing and validating all financial outputs before disbursement.

Agent HQ Pro does not guarantee that carrier statements, payment files, or third-party source data are complete, final, or error-free.

You must process personal and health-related information in compliance with applicable privacy and data protection laws, including HIPAA where applicable, state privacy statutes, and breach notification laws.

Where nonpublic personal information (NPI) is involved, you are responsible for GLBA-aligned safeguards and privacy controls, including obligations associated with the FTC Safeguards Rule under 16 CFR Part 314.

You are responsible for proper role-based access, user credential hygiene, secure endpoint practices, and lawful handling of consumer data imported or exported through the platform.

You are solely responsible for ensuring that your sales, outreach, and communication practices satisfy all applicable requirements, including call/text consent obligations, email rules, and insurance advertising standards.

Any templates or workflow tools provided by Agent HQ Pro are operational aids and are not legal advice or compliance certification.

Agent HQ Pro provides software tools only. Nothing in the platform or related documentation constitutes legal, tax, accounting, regulatory, or compliance advice.

You should consult qualified counsel or compliance professionals regarding state-specific or product-specific obligations.

You may not use the platform for unlawful, deceptive, fraudulent, or unauthorized insurance activity, nor to bypass licensing, appointment, or disclosure requirements.

You may not attempt to reverse engineer, disrupt, or misuse platform services, access controls, or security mechanisms.

The platform and all related services are provided on an AS IS and AS AVAILABLE basis, without warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, Agent HQ Pro is not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, commissions, data, goodwill, or business opportunities.

In all cases, your exclusive remedy is limited to the amount paid for the service during the twelve months preceding the event giving rise to the claim.

You agree to defend, indemnify, and hold harmless Agent HQ Pro and its affiliates from claims, penalties, losses, and expenses arising from your operations, regulatory violations, misuse of the platform, or breach of these Terms.

This includes claims related to producer conduct, consumer disclosures, enrollment handling, compensation disputes, and privacy violations.

These Terms are governed by applicable U.S. law and the governing state law identified in your commercial agreement, subject to mandatory consumer or insurance-specific protections that cannot be waived by contract.

If a provision conflicts with non-waivable law in a jurisdiction, that provision will be limited to the minimum extent required and the remainder of the Terms will remain in effect.

We may update these Terms periodically to reflect legal, regulatory, or product changes. Material updates will be posted with a revised effective date.

Your continued use after an update constitutes acceptance of the revised Terms.