Terms of Service

The short version

• Your agency owns its data. We use it only to run AgencyHuddleHQ for you.
• We never sell your data, never use it for ads, and never use it to train AI models.
• The app helps you count activity, track sales, and calculate pay. You still check the numbers before you pay anyone.
• You pay per office, per month. If you cancel within 30 days of starting your paid subscription, we refund your first month in full.
• You can cancel any time, and you can export your data before it's deleted.

The rest of this page is the full agreement. Please read it.

1. Who these terms cover

These Terms of Service ("Terms") are an agreement between AgencyHuddleHQ, LLC, a Colorado limited liability company ("AgencyHuddleHQ," "we," "us"), and:

• The Customer: the insurance agency, or the business that owns one or more agency offices, that signs up for AgencyHuddleHQ. The person who signs up confirms they have authority to accept these Terms for that business.
• Users: each person the Customer invites to use the app (owners, office managers, producers, service staff, and other team members). Users agree to these Terms for their own use of the app.

The Privacy Policy, the AI & Data Use disclosure, and, for Customers, the Data Processing Addendum ("DPA") are part of these Terms. If these Terms and the DPA disagree about personal information, the DPA wins.

You accept these Terms by checking the box and continuing when you create an account or join an office. We keep a record of which version you accepted and when.

2. What AgencyHuddleHQ is (and isn't)

AgencyHuddleHQ is online software for running an insurance agency: activity counting, win-the-day goals, sales logs, leaderboards, team pay plans and payroll reports, carrier commission tracking, budgets, profit and loss, and cash flow (the "Service").

AgencyHuddleHQ is not:

• An agency management system or system of record for policies, premiums, or trust accounting. Your carrier and agency management systems stay authoritative.
• A payroll processor. The app calculates and exports pay reports. You, or your payroll provider, pay people and handle taxes and withholding.
• Legal, tax, accounting, employment, or financial advice. Estimates, projections, and AI suggestions are tools, not advice.
• Affiliated with or endorsed by any insurance carrier. Carrier names (including State Farm) are used only to describe compatibility. They belong to their owners.

3. Accounts and security

• Give accurate information and keep it up to date.
• Each User gets their own login. Don't share passwords or accounts.
• Keep your password secret. Turn on two-step sign-in when we offer it; we may require it for owners and managers.
• Tell us right away at drewtekellcareers@gmail.com if you think someone got into your account.
• Users must be at least 18 years old.
• Office TV links show activity and sales counts without a login. Treat them like a key: only put them on screens in your office, and turn off any link you no longer use.
• The Customer is responsible for who it invites, what role each person has, and removing people who leave.

4. Your data

You own it. "Customer Data" means everything the Customer and its Users put into the Service, including team member information, pay information, agency financials, and customer names. The Customer keeps all rights to Customer Data.

What we may do with it. You give us permission to host, copy, process, and display Customer Data only to provide, secure, support, and maintain the Service for you, as described in the DPA. We act as your service provider (California) and processor (Colorado and other states). We do not:

• sell or rent Customer Data, or share it for advertising;
• use it to train or improve any AI model, ours or anyone else's;
• look at it except to support you, keep the Service secure, or when the law requires.

Keep it to what the app needs. AgencyHuddleHQ is built to store customer names only. Do not enter Social Security numbers, dates of birth, driver's license numbers, policy or account numbers, bank or card details, health information, or your customers' contact details anywhere in the app, including notes and uploads. If that kind of information ends up in the app by mistake, tell us and delete it.

Your responsibilities. The Customer is responsible for:

• having the right to put Customer Data into the Service, including any notices your team members and customers are owed under employment, privacy, and insurance laws;
• following your carrier agreements, including any rules about using outside software;
• the accuracy of what you enter, and the decisions you make using the app.

5. AI features

Some features use artificial intelligence, such as the setup guide and the help chat. AI runs through Amazon Web Services (AWS) Bedrock. Your inputs are not used to train AI models. AI suggestions are drafts: nothing an AI suggests takes effect until a person reviews and confirms it, and the AI does not make decisions about people. AI can be wrong, so check its suggestions. The AI & Data Use disclosure explains the details.

6. Acceptable use

You and your Users will not:

• break any law, or use the Service to discriminate against or harass anyone;
• try to get into another agency's data, another person's account, or parts of the Service you aren't permitted to use;
• test, scan, or probe the Service for weaknesses without our written permission (we welcome security reports at drewtekellcareers@gmail.com);
• upload viruses or harmful code, or overload the Service on purpose;
• copy, resell, or rebuild the Service, or reverse engineer it except where the law allows;
• use bots or scrapers to pull data out, other than the exports the app provides;
• enter the kinds of sensitive information listed in section 4.

We may suspend access that breaks these rules or puts the Service or other customers at risk. When we reasonably can, we'll tell you first and give you a chance to fix it.

7. Fees and the 30-day money-back window

• Price. Fees are per office, per month, at the plan and price shown when you subscribe. Price doesn't depend on team size.
• Billing. Subscriptions renew monthly until cancelled. Card payments are handled by our payment processor; we don't store full card numbers.
• Money-back window. If the Customer cancels within 30 days of starting its paid subscription, we refund the first month's fee in full. This applies once, to the start of the Customer's paid subscription; adding offices later doesn't start a new window.
• No other refunds. Apart from the money-back window, fees are not refundable, including for partial months, unused offices, or plan changes, except where the law requires a refund.
• Taxes. Fees don't include sales or similar taxes, which are added where required.
• Price changes. We'll give at least 30 days' notice before a price change takes effect. You can cancel before it does.
• Late payment. If a payment fails and isn't fixed within 15 days after we tell you, we may pause the account until it is. Your data stays safe while paused.

8. Cancelling, and your data on the way out

• The Customer can cancel any time in the app or by emailing drewtekellcareers@gmail.com. Cancellation takes effect at the end of the current billing month. Apart from the money-back window, fees already paid are not refunded.
• We may end the agreement with 30 days' notice, or right away if the Customer materially breaks these Terms and doesn't fix it within 15 days of notice.
• Export window. For 30 days after the account ends, the owner can sign in and export Customer Data.
• Deletion. After the export window, we delete Customer Data within 60 days. Backup copies roll off on their normal schedule (no more than 35 days). We may keep limited records the law requires, such as billing records and records of accepted agreements.

9. Confidentiality

Each side will keep the other's non-public information confidential, use it only for this agreement, and protect it at least as carefully as its own. This doesn't cover information that is public, was already known, or is independently developed. Either side may disclose information when the law requires, after giving the other side notice when allowed.

10. Our property, and your feedback

We own the Service, including its software, design, templates, and content (other than Customer Data). Starter templates, such as the preloaded carrier comp template, are provided for your convenience; you are responsible for confirming they match your contracts. If you send us suggestions, we may use them without owing you anything, but we'll never use your Customer Data this way.

11. Changes to the Service and to these Terms

We improve the Service over time and may change features. We won't make a change that materially reduces the core Service during a paid month without notice.

We may update these Terms. Each version has a version date. For material changes, we'll tell you in the app or by email at least 30 days before they take effect, and ask Users to accept the new version the next time they sign in. If you don't agree, you can cancel before the change takes effect.

12. Warranties and disclaimers

We'll provide the Service with reasonable skill and care, and in line with the DPA's security commitments.

Apart from that promise, the Service is provided "as is" and "as available." To the extent the law allows, we disclaim all other warranties, including merchantability, fitness for a particular purpose, and non-infringement. We don't promise the Service will be uninterrupted or error-free. Pay, commission, tax reserve, and forecast calculations depend on the rules and numbers you enter. Review every payroll report and financial figure before you rely on it.

13. Limits on liability

To the extent the law allows:

• Neither side is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data, even if warned they could happen.
• Each side's total liability under this agreement is limited to the fees the Customer paid in the 12 months before the event that caused the claim.
• That cap applies to every claim, including claims arising from a security incident or data breach and claims under the DPA.
• These limits don't apply to the Customer's payment obligations, to either side's indemnity obligations, or to liability that cannot be limited by law.

14. Indemnity

• Our promise. We'll defend the Customer against third-party claims that the Service, as we provide it, infringes their intellectual property, and pay resulting damages and costs a court awards or we agree to in a settlement.
• Your promise. The Customer will defend us against third-party claims arising from Customer Data the Customer had no right to provide, or from the Customer's use of the Service in breach of these Terms or the law, and pay resulting damages and costs.
• The side asking for defense must tell the other promptly, let it control the defense, and reasonably cooperate.

15. Governing law and disputes

These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules, and the arbitration agreement below is governed by the Federal Arbitration Act.

• Talk first. Before starting arbitration, each side agrees to try to resolve the dispute informally for 30 days after written notice.
• Binding arbitration. Any dispute arising out of or relating to these Terms or the Service that isn't resolved informally will be decided by binding arbitration, not in court. The American Arbitration Association will administer it under its Commercial Arbitration Rules, before a single arbitrator. The arbitration is seated in Douglas County, Colorado, and hearings may be held by video. Any court with jurisdiction may enter judgment on the award.
• Individual claims only. Claims may be brought only individually, not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not combine more than one Customer's or User's claims. If this waiver can't be enforced for a particular claim, that claim goes to court under the last point below instead of arbitration.
• Small claims. Either side may instead bring an individual claim in small claims court if it qualifies.
• Court matters. Either side may go to court to confirm or enforce an arbitration award, or to seek an injunction or other urgent relief to protect its confidential information, intellectual property, or the security of the Service. Those cases, and any other claim these Terms allow in court, must be brought in the state courts located in Douglas County, Colorado, and each side agrees to those courts' jurisdiction.

[Attorney review] Confirm the arbitration agreement, the class-action waiver, the choice of AAA Commercial Rules and how fees are split, and whether it binds individual Users as well as the Customer.

16. General terms

• Whole agreement. These Terms, the DPA, the Privacy Policy, the AI & Data Use disclosure, and any order form are the whole agreement. Any purchase-order terms that conflict with them don't apply.
• Electronic acceptance. Clicking to accept is as binding as a signature.
• Assignment. Neither side may transfer this agreement without the other's consent, except to a successor in a merger or sale of the business with notice.
• Events beyond control. Neither side is responsible for delays caused by events outside its reasonable control, such as a major cloud outage or natural disaster. Payment obligations still apply.
• Notices. We send notices to the owner's email on the account. Send legal notices to drewtekellcareers@gmail.com and 9611 Salem Ct, Highlands Ranch, CO 80130.
• Other. If a part of these Terms can't be enforced, the rest still applies. Not enforcing a right isn't a waiver. Sections that by their nature should survive the end of the agreement (such as 4, 8, 9, 12, 13, 14, and 15) survive.

17. Contact

AgencyHuddleHQ, LLC · 9611 Salem Ct, Highlands Ranch, CO 80130 · drewtekellcareers@gmail.com