1. Agreement
These Terms constitute a legally binding agreement between you ("Client," "User," or "You") and InsuraCentral ("InsuraCentral," "We," or "Us"). The Terms govern your use of our website located at https://insuracentral.com (the "Site") and all services we provide through the Site, including our life insurance Customer Relationship Management (CRM) system and Dialer functionality (collectively, the "Platform" or "Services"). By using our Services, you represent that you have the authority to enter into this Agreement on behalf of your organization, if applicable.
2. Eligibility and Age Requirements
You must be at least 18 years of age to use our Services. By accessing or using the Platform, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into this Agreement. If you are using the Services on behalf of a business entity, you further represent that you have the authority to bind that entity to these Terms.
Upon successful registration and, if applicable, payment of any required fees, InsuraCentral grants you a limited, non-exclusive, non-transferable, revocable license to access and use our Services solely for your internal business purposes. Your use of the Services is strictly subject to these Terms and any additional policies incorporated herein. You further agree that your access to the Platform is subject to the licensing terms and restrictions imposed by our technology and data partners as noted below.
3. Data Sources, Ownership of Leads, and Cloud Data Management
3.1 Data Sources and Ownership of Leads
InsuraCentral is a technology platform designed to facilitate the management of life insurance leads, communications, and client relationships. You are solely responsible for obtaining, verifying, and ensuring the legal compliance of any lead data you use with our Services. InsuraCentral does not endorse, guarantee, or assume any liability regarding the source, quality, or legality of any lead data.
3.2 Cloud Data Management
All cloud data that is hosted on our Platform—including data provided by users and data downloaded from the InsuraCentral CRM—is managed by Insurtech Data Solutions LLC (Wyoming). By using our Services, you acknowledge and agree that:
- Insurtech Data Solutions LLC is responsible for the storage, security, and management of your cloud data.
- You retain ownership of your data; Insurtech Data Solutions LLC acts solely as a data processor on behalf of InsuraCentral in accordance with our contractual arrangements and applicable law
- Your use of the Platform's cloud data is subject to these Terms and any applicable data protection policies referenced herein
4. External Resources and Third-Party Integrations
Our Services may include integrations with third-party applications or features that are not directly developed by InsuraCentral. In particular:
- Dialer Integration: The dialer functionality offered within our Platform is owned and provided as a third‑party integration by AI PowerDialer LLC (Wyoming).
- Cloud Data Management: As noted above, all cloud data hosted on the Platform is managed by Insurtech Data Solutions LLC (Wyoming).
You acknowledge that InsuraCentral has no control over these third-party resources and is not responsible for their content, availability, or functionality. Your use of any such resources is governed solely by the third party's own terms and conditions.
5. Proprietary Rights and Ownership
The Platform is comprised of multiple components provided by different entities. Your use of the Services is subject to the following intellectual property rights:
- CRM Software: The CRM component of the Platform is owned, licensed, and provided by InsuraCentral LLC (Indiana). All rights, title, and interest in this software remain with InsuraCentral LLC.
- Dialer System: The dialer functionality is owned and provided as a third‑party integration by AI PowerDialer LLC (Wyoming). Use of the dialer is subject to any additional terms that AI PowerDialer LLC may impose, which you acknowledge and agree to as part of your overall use of the Platform
- Cloud Data Management: All cloud data hosted on the Platform—whether provided by you or downloaded from the InsuraCentral CRM—is managed by Insurtech Data Solutions LLC. While you retain ownership of your data, Insurtech Data Solutions LLC is responsible for its storage and processing
Except as expressly provided herein, no transfer of intellectual property rights is intended or implied from these entities to you. You may not modify, distribute, reverse engineer, decompile, or otherwise attempt to derive the source code or proprietary algorithms of any part of the Platform.
6. Confidential Information
You agree to maintain the confidentiality of any non-public information disclosed by InsuraCentral or accessed through the use of our Services ("Confidential Information"). This obligation applies during your use of the Services and continues indefinitely after termination.
7. Registration, Account Security, and Use of the Platform
- Registration: To access our Services, you must register for an account and provide complete, accurate, and current information as prompted.
- Account Security: You are responsible for maintaining the confidentiality of your account credentials (including passwords) and for all activities that occur under your account. If you suspect any unauthorized use, you must promptly notify InsuraCentral at support@insuracentral.com.
- User Conduct: You agree not to misrepresent your identity or provide false information when registering or using the Services.
8. Acceptable Use and Compliance with Laws
You agree to use the Services only in accordance with all applicable local, state, federal, and international laws and regulations, including but not limited to:
- Data protection and privacy laws;
- Telemarketing and electronic communications laws (e.g., TCPA, Do-Not-Call rules)
- Insurance industry regulations regarding client solicitation, data handling, and marketing communications.
Your use of the Platform's dialer, CRM, and related features must adhere strictly to these laws. Any violation may result in immediate suspension or termination of your account and may subject you to legal liability.
9. SMS Messaging Terms
InsuraCentral provides SMS messaging capabilities to facilitate communication between insurance agents and their clients. By using our SMS features, you agree to the following terms:
9.1. Agent Responsibilities
As an insurance agent using our Platform's SMS features, you agree to:
- Only message clients who have provided consent to receive text messages from you
- Maintain records of consent for all SMS recipients
- Honor all opt-out requests immediately (STOP, UNSUBSCRIBE, CANCEL, END, QUIT)
- Not send spam, unsolicited messages, or marketing to non-consenting recipients
- Comply with all applicable laws including TCPA, CTIA guidelines, and carrier requirements
- Use SMS messaging only for legitimate business communications with your clients
9.2. Permitted Message Types
SMS messages sent through our Platform should be limited to:
- Appointment reminders and confirmations
- Policy renewal notices and updates
- Payment reminders
- Birthday and anniversary greetings
- Quote and application follow-ups
- Service-related communications
9.3. Recipient Rights
Recipients of SMS messages sent through InsuraCentral may opt-out at any time by replying STOP to any message. Message and data rates may apply. Message frequency varies based on the client relationship.
9.4. Prohibited Conduct
You may not use our SMS features to:
- Send messages to recipients who have not consented
- Send messages to recipients who have opted out
- Send deceptive, misleading, or fraudulent content
- Violate any applicable laws or regulations
- Harass or send excessive messages to recipients
Violation of these SMS terms may result in immediate suspension or termination of your account and SMS privileges.
For complete details on how SMS consent is collected and managed, please visit our SMS Consent & Opt-In Disclosure page.
10. Payment, Fees, Billing, and Refunds
- Fees: Certain features of the Platform may require payment. All fees—including subscription, usage, or additional feature fees—are disclosed during registration or in separate fee schedules. Fees are subject to change upon notice.
- Billing: By providing your payment information, you authorize InsuraCentral to charge your designated payment method on a recurring basis for access to the Services.
- Taxes: All fees are exclusive of applicable taxes, which you agree to pay as required by law.
- Refunds: All subscription fees are non-refundable except as required by applicable law. You may cancel your subscription at any time, and cancellation will take effect at the end of your current billing period. No partial refunds will be issued for unused portions of a billing period. In exceptional circumstances, refund requests may be submitted to support@insuracentral.com within 7 days of charge for review at InsuraCentral's sole discretion.
- Cancellation: You may cancel your subscription at any time through your account settings or by contacting support@insuracentral.com. Upon cancellation, you will retain access to paid features until the end of your current billing period. InsuraCentral reserves the right to delete your account data 30 days after the end of your subscription unless you request a data export.
- Failed Payments: If your payment method fails, InsuraCentral may suspend your access to paid features until payment is successfully processed. We may attempt to charge your payment method multiple times before account suspension.
11. Indemnification
You agree to indemnify, defend, and hold harmless InsuraCentral, its officers, directors, employees, agents, and affiliates—as well as AI PowerDialer LLC (Wyoming), Insurtech Data Solutions LLC (Wyoming), InsuraCentral LLC (Indiana), and Cranfer Technologies LLC (Wyoming)—from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:
- Your use of the Services;
- Your breach of these Terms or any applicable law;
- Any claim that the data, communications, or other content you provide infringes upon or violates any third-party intellectual property or proprietary right;
- Any non-compliant or improper use of the dialer or CRM features; or
- Any act or omission by you or your agents in connection with your use of the Platform.
InsuraCentral and its partners reserve the right to assume the exclusive defense and control of any claim subject to indemnification by you.
12. Disclaimers of Warranties
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. InsuraCentral does not warrant uninterrupted or error-free operation of the Services, and the performance of the dialer or other integrated components (provided by AI PowerDialer LLC) may be affected by factors beyond our control.
13. Limitation of Liability
- Exclusion of Damages: IN NO EVENT SHALL InsuraCentral, AI PowerDialer LLC (Wyoming), Insurtech Data Solutions LLC (Wyoming), InsuraCentral LLC (Indiana), or Cranfer Technologies LLC (Wyoming) (collectively, "the Providers") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES.
- Aggregate Liability: The aggregate liability of the Providers for any and all claims under these Terms shall not exceed the total amount paid by you for the Services in the three (3) months preceding the claim.
14. Service Availability and Maintenance
While InsuraCentral and its partners will make commercially reasonable efforts to ensure the availability and performance of the Services, we do not guarantee uninterrupted or error-free operation. Scheduled maintenance, updates, or unforeseen issues may result in temporary service interruptions. InsuraCentral is not liable for any such interruptions.
15. Term and Termination
- Term: These Terms become effective upon your acceptance and continue until terminated by either party
- Termination by You: You may terminate your account at any time by following the procedures on our Site
- Termination by InsuraCentral or Partners: We reserve the right to suspend or terminate your account or access to the Services immediately, without prior notice, if you breach these Terms or engage in prohibited conduct.
- Effects of Termination: Upon termination, all rights granted to you will cease, and you must immediately stop using the Services. InsuraCentral may delete your account and associated data without further notice. You remain responsible for any fees incurred prior to termination.
16. Dispute Resolution and Governing Law
- Governing Law: These Terms are governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law principles.
- Venue: Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Marion County, Indiana.
- Arbitration: If required by applicable law, you agree that any dispute arising out of or relating to your use of the Services—including disputes with InsuraCentral and, to the extent that such disputes relate to integrated third‑party components (such as those provided by AI PowerDialer LLC, Insurtech Data Solutions LLC, or Cranfer Technologies LLC)—shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, and you hereby waive any rights to a jury trial or class action. If a dispute arises solely between you and a third‑party provider (and does not involve InsuraCentral), then the dispute shall be governed by the dispute resolution provisions of the third‑party provider's agreement
17. Notices
All notices under these Terms must be in writing and delivered to:
- Email: The email addresses provided during registration or to support@insuracentral.com.
- Postal Mail: InsuraCentral's mailing address at:
8520 Allison Pointe Boulevard, Suite 220 #122, Indianapolis, IN, 46250, USA
Attn: Legal Department
Notices are deemed effective upon delivery.
18. Modifications to the Terms
InsuraCentral reserves the right to modify these Terms at any time. Material changes will be posted on our Site along with an updated Effective Date. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.
19. Entire Agreement; Severability; Waiver
- Entire Agreement: These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and InsuraCentral regarding the Services.
- Severability: If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and effect.
- Waiver: No waiver of any provision of these Terms is effective unless in writing and signed by an authorized representative of InsuraCentral. Failure to enforce any provision does not constitute a waiver of future enforcement.
20. Force Majeure
InsuraCentral, AI PowerDialer LLC, Insurtech Data Solutions LLC, InsuraCentral LLC, and Cranfer Technologies LLC shall not be liable for any failure or delay in performing obligations under these Terms due to causes beyond their reasonable control, including natural disasters, terrorism, labor disputes, or governmental actions.
21. Insurance Industry Disclaimers and Licensing Requirements
InsuraCentral is a technology platform, not an insurance company, insurance agency, or insurance broker. We do not sell, underwrite, or provide insurance products or services. The following disclaimers and requirements apply:
21.1. Agent Licensing Requirements
To use InsuraCentral's Services as an insurance agent, you represent and warrant that:
- Valid NPN Required: You possess a valid, current, and non-expired National Producer Number (NPN) issued by the National Insurance Producer Registry (NIPR).
- Active License Status: Your insurance producer license(s) are active, in good standing, and have not been revoked, suspended, or subject to any disciplinary action.
- State Licensing: You are properly licensed in each state where you conduct insurance business and maintain all required appointments with insurance carriers.
- Continuing Education: You are current on all continuing education requirements mandated by your licensing state(s).
- Notification of Changes: You agree to immediately notify InsuraCentral if your NPN or any state license expires, is suspended, revoked, or becomes subject to disciplinary action.
WARNING: Providing a false, invalid, expired, or fraudulent NPN will result in immediate account rejection or termination. InsuraCentral reserves the right to verify your NPN and licensing status at any time through NIPR and state insurance department databases. Accounts found to be using invalid credentials will be permanently banned from the platform.
21.2. Platform Disclaimers
- No Insurance Advice: InsuraCentral does not provide insurance advice, recommendations, or endorsements. Any information provided through the Platform is for informational purposes only and should not be construed as insurance, legal, tax, or financial advice.
- Independent Agents: Insurance agents using our Platform are independent licensed professionals who are solely responsible for their own business practices, compliance with applicable laws and regulations, and the accuracy of any information they provide to their clients.
- No Carrier Affiliation: InsuraCentral is not affiliated with any insurance carrier. We do not guarantee, endorse, or assume liability for any insurance products, policies, or coverage offered by agents using our Platform.
- Consumer Protection: If you are a consumer receiving services from an insurance agent using our Platform, your relationship is with that individual agent or their agency, not with InsuraCentral. Any complaints or disputes regarding insurance products or services should be directed to the agent, their agency, or the appropriate state insurance regulatory authority.
22. Electronic Communications and E-SIGN Consent
By using our Services, you consent to receive electronic communications from InsuraCentral, including but not limited to:
- Account notifications and alerts
- Billing statements and payment confirmations
- Service updates and announcements
- Legal notices, including changes to these Terms
- Marketing communications (which you may opt out of at any time)
E-SIGN Act Consent: In accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.), you agree that your electronic acceptance of these Terms constitutes a valid, binding agreement equivalent to a handwritten signature. You further consent to:
- Receive all contracts, notices, disclosures, and other communications electronically
- Use electronic signatures for all transactions conducted through the Platform
- The legal validity and enforceability of electronic records and signatures
You may withdraw your consent to receive electronic communications by contacting support@insuracentral.com, but doing so may result in termination of your access to the Services, as electronic communication is essential to our Platform's operation.
23. Export Compliance
You agree to comply with all applicable export and re-export control laws and regulations, including but not limited to:
- The Export Administration Regulations (EAR) maintained by the U.S. Department of Commerce
- Sanctions programs administered by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury
- Any other applicable trade compliance regulations
You represent and warrant that:
- You are not located in, or a national or resident of, any country subject to comprehensive U.S. sanctions (including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine)
- You are not on any U.S. government restricted parties list, including the Specially Designated Nationals (SDN) List or Denied Persons List
- You will not use the Services in violation of any U.S. export control or sanctions laws
24. Additional Provisions
- Non-Assignment: You may not assign these Terms or your rights or obligations without our prior written consent.
- No Agency: Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and InsuraCentral or its partners.
- Headings: Section headings are provided for convenience only and do not affect the interpretation of these Terms.
25. Contact Information
If you have any questions or concerns regarding these Terms, please contact us at:
By using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, including all provisions regarding third-party integrations and proprietary rights.