Terms of Service

1. Who these Terms apply to

These Terms apply to two groups of users:

• Site visitors — people who browse our public site or submit a demo request or other inquiry about the Platform.
• Platform customers — insurance agencies, agency owners, agents, and their staff who subscribe to and use the CloseLife platform (the "Platform"), including the CRM, power dialer, call recording, transcription, and AI coaching features.

If you use the Platform on behalf of an agency or other organization, you represent that you have authority to bind that organization, and "you" refers to both you and the organization.

2. CloseLife is not an insurance company

CloseLife is a software company. We are not an insurance company, insurance agency, broker, or producer. We do not sell, solicit, or negotiate insurance, do not provide or compare insurance quotes, do not underwrite risk, do not handle claims, and do not provide insurance, legal, tax, or financial advice. See our Insurance Disclaimer for details.

3. Eligibility and accounts

You must be at least 18 years old to use the Services. Platform accounts are created by invitation and require sign-in with a supported identity provider. You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. Notify us immediately at legal@closelife.io if you suspect unauthorized access.

4. Subscriptions, fees, and billing

• Platform access is provided on a paid subscription basis at the prices displayed at the time of purchase (for example, a monthly agency fee plus per-seat fees). Prices may change with notice effective at your next billing cycle.
• Fees are billed in advance, are non-refundable except where required by law, and do not include taxes.
• You may cancel at any time; cancellation takes effect at the end of the current billing period. We may suspend or terminate access for non-payment.

5. Customer responsibilities — telephone and marketing compliance

This section is critical if you use the Platform's dialer, recording, or outreach features. The Platform is a tool; you and your agency are solely responsible for how you use it. You agree that you will:

• Comply with all applicable laws and regulations governing telemarketing and outbound communications, including the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule (TSR), federal and state Do-Not-Call registries, state "mini-TCPA" statutes (such as the Florida Telephone Solicitation Act), and applicable calling-time restrictions;
• Obtain, document, and retain all legally required consents before calling or texting any consumer, including prior express written consent where required for calls made with automated technology or prerecorded/artificial voice;
• Comply with all applicable call recording and wiretap laws, including obtaining all-party consent before recording, monitoring, or transcribing a call where required (for example, in two-party consent states such as California, Florida, Illinois, Maryland, Massachusetts, Pennsylvania, and Washington). Platform call recording and AI transcription features must not be used unless you have provided any required notice and obtained any required consent from all call participants;
• Honor opt-out and revocation requests promptly and maintain internal do-not-call lists as required by law;
• Hold and maintain all licenses required to sell, solicit, or negotiate insurance in each jurisdiction where you do business, and comply with all applicable insurance laws and producer conduct rules; and
• Comply with all applicable privacy and data protection laws with respect to lead data and consumer information you upload to or collect through the Platform.

You are the data controller of the lead and call data your agency processes through the Platform. CloseLife does not provide legal advice, and nothing in the Services constitutes a representation that your use of any feature complies with law.

6. Acceptable use

You agree not to:

• Use the Services for any unlawful, deceptive, harassing, or fraudulent purpose;
• Call or text numbers without required consent, spoof caller ID, or evade call-blocking or labeling;
• Upload data you do not have the right to use, or that contains malware or unlawful content;
• Attempt to probe, scan, or test the vulnerability of the Services, circumvent access controls, or access another customer's data;
• Resell, sublicense, or provide the Services to third parties except as expressly permitted;
• Use the Services to build a competing product, or scrape or harvest data from the Services; and
• Use AI-generated outputs (summaries, coaching, recommendations) as a substitute for professional judgment or as the sole basis for advice to a consumer.

We may suspend or terminate access for violations of this section, with or without notice.

7. Call recording, transcription, and AI features

The Platform can record calls, generate live and post-call transcripts, and produce AI-generated summaries, recommendations, and coaching content. You acknowledge that:

• Recording and transcription are controlled by you and occur only on calls you or your agency place or receive through the Platform;
• AI-generated content is produced by automated systems, may be inaccurate or incomplete, and is provided for informational purposes only. It is not insurance, legal, medical, or financial advice; and
• You are responsible for reviewing AI outputs before relying on them and for all statements you make to consumers.

8. Demo requests and inquiries

If you submit a demo request or other inquiry through our public site, we will use the contact information you provide to respond to your request and follow up about the Platform, as described in our Privacy Policy and Communications Consent disclosures. Submitting a request does not create a subscription or any other obligation.

9. Intellectual property

The Services, including all software, designs, text, and trademarks, are owned by CloseLife or its licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services in accordance with these Terms. You retain ownership of the data you upload; you grant us a license to host, process, and display it as needed to provide the Services.

10. Third-party services

The Services rely on third-party providers (for example, telephony carriers, cloud hosting, and AI model providers). We are not responsible for the acts or omissions of third parties, and your use of third-party services may be subject to their own terms.

11. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT AI OUTPUTS WILL BE ACCURATE, OR THAT USE OF THE SERVICES WILL COMPLY WITH LAWS APPLICABLE TO YOUR BUSINESS.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLOSELIFE AND ITS OFFICERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU.

13. Indemnification

You agree to defend, indemnify, and hold harmless CloseLife and its officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms or applicable law, including telemarketing, call recording, insurance licensing, and privacy laws; (c) data you upload to the Platform; and (d) any communication you or your agency make to a consumer.

14. Dispute resolution; arbitration; class action waiver

Please read this section carefully — it affects your legal rights. Any dispute arising out of or relating to these Terms or the Services that cannot be resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its applicable rules, rather than in court, except that either party may bring an individual claim in small-claims court or seek injunctive relief for intellectual property misuse. You and CloseLife each waive the right to a jury trial and the right to participate in a class action, class arbitration, or representative proceeding. You may opt out of this arbitration agreement by emailing legal@closelife.io within 30 days of first accepting these Terms.

15. Termination

We may suspend or terminate your access to the Services at any time for breach of these Terms, suspected unlawful use, non-payment, or risk to the Services or other users. Upon termination, your license to use the Services ends. Sections that by their nature should survive (including Sections 11–14) survive termination. Following termination, we will make your data available for export for a reasonable period, after which it may be deleted in accordance with our retention practices.

16. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles, except that the Federal Arbitration Act governs the arbitration agreement in Section 14.

17. Changes to these Terms

We may update these Terms from time to time. The effective date above indicates when they were last revised. For material changes, we will provide notice through the Services or by email. Continued use of the Services after changes become effective constitutes acceptance of the updated Terms.

18. Contact