Terms of Service

Plain-language summary: Use Policy Growth in good faith to run your insurance agency. We'll keep the platform up and supported. We bill monthly or annually. You can cancel any time. We're not responsible for your underwriting decisions or for what your producers say to your customers.

1. Your account

You must be authorized to act on behalf of your agency. You're responsible for keeping your credentials secure and for everything that happens under your account. Notify us immediately if you suspect compromise.

2. Acceptable use

You agree not to:

• Use Policy Growth for outreach that violates TCPA, CAN-SPAM, or any other applicable law.
• Send messaging without proper consent — Policy Growth helps capture consent; you're responsible for using it.
• Interfere with platform operation, attempt to reverse-engineer it, or scrape it.
• Use the platform to bind insurance in jurisdictions where you're not licensed.
• Re-sell or sublicense the platform without written agreement.

3. Subscriptions & billing

Plans bill monthly or annually in advance. Plan fees and current terms are communicated directly during your demo and reiterated in your order form. We'll email you 14 days before any renewal and immediately if pricing changes. You can downgrade or cancel any time — refunds for annual plans are pro-rated for unused months.

4. Free trial

New customers can try the platform free for 14 days. No credit card required. We'll email you 3 days before the trial ends. You can convert to paid, downgrade, or let it expire — your data remains exportable for 90 days after expiration.

5. Your data

You retain ownership of all data you import or generate. We hold a limited license to process it for the sole purpose of operating the platform. We will not use your customer data to train models without your explicit written consent. See the Privacy Policy for details.

6. Intellectual property

Policy Growth retains all rights to the platform, including AI models, workflows, prompts, and underlying technology. You retain rights to your data. Custom workflows and configurations you build inside the platform are yours; the platform engine executing them is ours.

7. AI agent disclaimer

AI agents make mistakes. We work hard to minimize them through guardrails, escalation rules, and producer hand-offs — but you are ultimately responsible for what the AI says on your behalf. We strongly recommend reviewing AI configurations with your compliance counsel before going live.

8. Service level

Growth and Agency plans include a 99.9% uptime SLA. Credits for missed SLA are detailed in the order form. Solo plans are best-effort.

9. Termination

You can cancel any time from your account settings. We can terminate for non-payment, material breach, or activity that violates law. We'll provide 30 days' notice for non-payment unless prohibited by law.

10. Limitation of liability

To the maximum extent permitted by law, Policy Growth's total liability for any claim is capped at the fees you paid in the 12 months preceding the claim. We're not liable for indirect, consequential, or punitive damages. We're not liable for underwriting decisions, claims outcomes, or anything your producers say to your customers.

11. Indemnification

You'll defend us from claims arising from your use of the platform in violation of these terms or applicable law. We'll defend you from claims that the platform itself infringes a third-party IP right.

12. Governing law

These terms are governed by the laws of Delaware. Disputes will be resolved by binding arbitration in Phoenix, AZ — except for IP and equitable relief, which can be brought in court.

13. Changes to these terms

We'll email account admins at least 30 days before any material change. Continued use after the effective date constitutes acceptance.

14. Contact

Legal questions: legal@policygrowth.co