These Terms of Service (“Terms”) are a binding agreement between you and the operator of Secure Agent Market (“Operator,” “we,” “us”). They govern your use of secureagentmarket.com, app.secureagentmarket.com, and every software application, tool, feature, update, or service offered through the marketplace now or in the future - including Secure Agent Portal, Commission Calculator Pro, and Book Intelligence (collectively the “Services,” each application an “App”). These Terms apply to each App you subscribe to without separate acceptance.
The Services are business tools intended solely for licensed insurance professionals and their staff. You represent that you are at least 18, hold all required licenses, and use the Services for business purposes. You are solely responsible for your licensure and for compliance with every law, regulation, carrier agreement, agency agreement, and professional standard that applies to you.
Provide accurate information and keep your credentials secure. You are responsible for all activity under your account. Report unauthorized use to support@secureagentmarket.com.
Each App is licensed by separate monthly subscription with the price and any free trial shown at purchase; billing is handled by Stripe and we never store your full card details. Unless you cancel before a trial ends, the payment method on file is charged automatically at trial end and on each renewal. Subscriptions renew until cancelled from your Account page; access continues through the period already paid. To the maximum extent permitted by law, all fees are non-refundable, including for partial periods, unused Apps, or termination for breach. Prices may change with notice, effective at your next renewal.
You receive a limited, revocable, non-exclusive, non-transferable license to use each subscribed App for your own business while your subscription is active. You may not copy, resell, share, or redistribute the Services; reverse engineer them except where the law forbids that restriction; circumvent access or entitlement controls; build a competing product with them; or use them unlawfully. All rights not granted are reserved.
The Apps process your working data - client information, reports, uploaded files and images - locally in your browser or device. That data is not transmitted to or stored on our servers; we store only account, billing, and entitlement metadata. Because your working data never reaches us, you are solely responsible for its accuracy, lawfulness, protection, backup, and retention, and for compliance with every privacy, insurance, and data-protection law that applies to information you handle (including HIPAA and state regulations). The Operator is not a business associate, fiduciary, custodian, or processor of your client data.
“User Content” is anything you enter, upload, configure, or display through the Services - including documents, images, names, trademarks, and company or carrier logos you choose to upload or display. You retain ownership; because it is processed locally, we do not receive, host, review, or monitor it. You represent and warrant that you have every right and authorization necessary for all User Content, including any third-party name, mark, or logo, and that your use does not infringe or violate any intellectual-property right, contract (including your carrier or agency agreements), or law. Displaying a third party’s mark within an App is your decision and your use, not ours - the Services provide only a neutral, user-configured display capability. All third-party names and logos remain the property of their owners. The Operator is independent and is not affiliated with, endorsed by, or sponsored by any insurance carrier or other company whose name or mark a user may reference; any reference to a carrier’s forms, reports, or products is nominative only. If a rights holder objects to material you used, you will stop using it immediately.
The Services are calculation, document-preparation, presentation, and analytics utilities. They do not provide insurance, legal, tax, financial, medical, or compliance advice. Outputs may contain errors or rely on rates you configured. You must independently verify every output before relying on it or submitting it to any client, carrier, or regulator. You bear sole responsibility for everything you submit, present, file, or rely upon.
The Services depend on third-party providers (including Stripe for payments and Clerk for authentication, with sign-in providers such as Google or Apple). Their services are governed by their own terms; we are not responsible for their acts, omissions, or outages.
We may modify, suspend, or discontinue any App or feature at any time and do not promise uninterrupted or error-free operation. If we permanently discontinue an App you have paid for, your sole and exclusive remedy is a pro-rata refund of prepaid fees for the discontinued period.
Ideas or suggestions you send may be used by us without restriction or compensation.
To the maximum extent permitted by law, the Services and all outputs are provided “as is” and “as available,” with all faults and without warranty of any kind. We disclaim all express, implied, and statutory warranties, including merchantability, fitness for a particular purpose, title, non-infringement, and accuracy. We do not warrant that the Services will meet your requirements, be error-free, secure, or uninterrupted, or that outputs will be accepted by any carrier or regulator.
To the maximum extent permitted by law: we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost commissions, chargebacks, lost data, lost business, professional discipline, or reputational harm. Our total cumulative liability for all claims will not exceed the greater of the amounts you paid us for the App giving rise to the claim in the three months before the event, or fifty U.S. dollars (US $50). These limits apply regardless of legal theory and even if a remedy fails of its essential purpose. Some jurisdictions do not allow certain exclusions; there, these apply to the fullest extent permitted, and nothing excludes liability that cannot lawfully be excluded.
You will defend, indemnify, and hold harmless the Operator and its owners, officers, employees, contractors, and agents from any and all claims, damages, losses, penalties, and expenses (including reasonable attorneys’ fees) arising out of or relating to: your use of the Services or any output; your User Content - including any claim by any company, carrier, or rights holder that a name, trademark, or logo you uploaded or displayed violates its rights; your handling of client or third-party data; your violation of these Terms, any law, or any agreement with a carrier, agency, upline, or client; anything you submit or file in reliance on any output; or any dispute between you and any third party.
To the maximum extent permitted by law, you release the Operator from all claims arising out of disputes between you and any third party - including clients, carriers, agencies, and rights holders - in connection with the Services.
We may suspend or terminate access immediately for breach, legal requirement, or protection of the Services or third parties; no refund is owed on termination for breach. Sections 6–8 and 12–20 survive termination.
Before filing any claim, email support@secureagentmarket.com and allow 30 days for informal resolution. Any unresolved dispute will be resolved by binding individual arbitration administered by the American Arbitration Association under its rules, rather than in court; the Federal Arbitration Act governs. All disputes are arbitrated on an individual basis only; you and the Operator each waive the right to a jury trial and to participate in any class, collective, or representative action. Either party may bring an individual claim in small-claims court or seek injunctive relief in court for IP infringement or unauthorized access. You may opt out of arbitration within 30 days of first accepting these Terms by emailing us your name, account email, and opt-out statement.
These Terms are governed by Florida law, without regard to conflict-of-law rules. For matters not subject to arbitration, exclusive jurisdiction and venue lie in the state and federal courts located in Florida.
We may update these Terms. Material changes are presented for re-acceptance in the app or notified by email and apply from the date presented; continued use is acceptance.
These Terms are the entire agreement regarding the Services. If any provision is held unenforceable, it is enforced to the maximum extent permissible and the remainder stands. You may not assign these Terms; we may assign them in connection with a merger, sale, or reorganization. We are not liable for events beyond our reasonable control. Contact: support@secureagentmarket.com.