Terms of Service

1. ACCEPTANCE OF TERMS

By accessing our website or using the Software, you confirm that:

• You are at least 18 years old
• You have the legal capacity to enter into binding agreements
• You hold valid insurance licenses as required for your intended use
• You agree to comply with these Terms

2. DESCRIPTION OF SERVICE

QuickAIProposal is a software application designed to help insurance agents generate quotes more efficiently. The Software uses artificial intelligence to assist with data extraction and quote generation.

The Software is a productivity tool, not a replacement for professional judgment.

3. IMPORTANT AI DISCLAIMERS

3.2 Your Responsibility to Verify

YOU ARE SOLELY RESPONSIBLE FOR REVIEWING AND VERIFYING ALL AI-GENERATED OUTPUTS BEFORE USE.

Do not:

• Present AI-generated quotes to customers without verification
• Rely solely on AI outputs for coverage decisions
• Assume AI-extracted data is accurate without confirmation

3.3 No Professional Advice

The Software does not provide insurance advice, legal advice, or professional recommendations. The Software is a tool to assist your work—it does not replace your professional judgment, training, or licensing requirements.

3.4 AI Technology Evolves

AI technology is rapidly evolving. Results may vary, and the Software's capabilities may change over time.

4. ACCOUNT REGISTRATION

4.1 Account Creation

To use QuickAIProposal, you must create an account and purchase a license. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your login credentials confidential
• Notify us immediately of any unauthorized access

4.2 License Types and User Limits

Individual License: One user per license. You may not share your account or credentials with others.

Agency Team License: Permits the number of users specified at purchase. The purchasing agent or agency administrator:

• Must create separate login credentials for each authorized user
• Is responsible for ensuring all users comply with these Terms
• Is liable for the actions of all authorized users under their license
• Must remove access for users who leave the agency

4.3 No Credential Sharing

Regardless of license type, each user must access the Software with their own unique credentials. Sharing login credentials between individuals is prohibited.

4.4 Account Security

You are responsible for all activity under your account(s). We are not liable for losses resulting from unauthorized use of your account.

5. ACCEPTABLE USE

5.1 You Agree To:

• Use the Software only for lawful purposes
• Comply with all applicable laws and regulations
• Maintain required insurance licenses
• Verify all outputs before customer-facing use
• Respect the intellectual property rights of others

5.2 You Agree NOT To:

• Share your account credentials
• Use the Software for any unlawful purpose
• Attempt to reverse engineer, hack, or compromise the Software
• Use automated tools to access the Software beyond intended functionality
• Interfere with the Software's operation or other users' access
• Misrepresent the source or accuracy of generated quotes
• Use the Software to develop competing products

5.3 Violations

We may suspend or terminate your access for violations of these Terms without refund or notice.

6. INTELLECTUAL PROPERTY

6.1 Our Property

The Software, website, content, design, logos, and all related intellectual property are owned by beaconAI or our licensors. Your license to use the Software does not transfer any ownership rights.

6.2 Your Content

You retain ownership of information you input into the Software. By using the Software, you grant us a limited license to process your inputs solely to provide the service.

6.3 Feedback

If you provide suggestions or feedback about the Software, we may use it without obligation to you.

7. PAYMENTS AND BILLING

7.1 License Fees

License fees are specified at the time of purchase. By purchasing, you authorize us to charge your payment method.

7.2 Money-Back Guarantee

We offer a sixty (60) day money-back guarantee. If you are not satisfied with QuickAIProposal for any reason, contact us within 60 days of purchase for a full refund.

7.3 After Guarantee Period

After the 60-day guarantee period, all sales are final. No refunds for accounts terminated due to Terms violations.

7.4 Taxes

You are responsible for any applicable taxes.

8. DISCLAIMERS

8.1 "As-Is" Service

THE SOFTWARE AND WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

8.2 Specific Disclaimers

WE DISCLAIM ALL WARRANTIES INCLUDING:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF AI OUTPUTS
• UNINTERRUPTED OR ERROR-FREE OPERATION
• COMPLIANCE WITH YOUR SPECIFIC REGULATORY REQUIREMENTS

8.3 No Guarantee of Results

We do not guarantee that:

• The Software will meet your specific needs
• AI outputs will be accurate or complete
• The Software will be available at all times
• Errors will be corrected

8.4 Third-Party Services

The Software may integrate with third-party services. We are not responsible for third-party services, their availability, or their practices.

9. LIMITATION OF LIABILITY

9.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BEACONAI SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Lost profits, revenue, data, or business opportunities
• Errors or omissions in AI-generated outputs
• Regulatory fines or penalties
• Damages arising from your reliance on AI outputs
• Damages exceeding the amount you paid for your license

9.2 Basis of the Bargain

You acknowledge that these limitations reflect the allocation of risk between the parties and are an essential basis of the bargain.

9.3 Some Jurisdictions

Some jurisdictions do not allow certain limitations. In such cases, our liability is limited to the maximum extent permitted by law.

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless beaconAI and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of the Software
• Your violation of these Terms
• Your violation of any law or regulation
• Your infringement of third-party rights
• Claims by your customers related to quotes you generated
• Your failure to verify AI outputs before use

11. TERMINATION

11.1 By You

You may stop using the Software at any time.

11.2 By Us

We may suspend or terminate your access at any time for:

• Violation of these Terms
• Fraudulent or abusive conduct
• Non-payment
• Any reason with 30 days' notice

11.3 Effect of Termination

Upon termination:

• Your access will end
• You must cease using the Software
• Provisions that should survive (disclaimers, limitations, indemnification) will continue

12. DISPUTE RESOLUTION

12.1 Informal Resolution

Before filing any legal claim, you agree to contact us and attempt to resolve the dispute informally for at least 30 days.

12.2 Governing Law

These Terms are governed by the laws of the State of Colorado, without regard to conflict of law principles.

12.3 Jurisdiction and Venue

Any legal action must be brought exclusively in the state or federal courts located in Denver County, Colorado. You consent to personal jurisdiction and venue in these courts.

13. GENERAL PROVISIONS

13.1 Entire Agreement

These Terms, together with the EULA and Privacy Policy, constitute the entire agreement between you and beaconAI regarding the Software.

13.2 Severability

If any provision is unenforceable, the remaining provisions continue in effect.

13.3 Waiver

Our failure to enforce any provision is not a waiver of that or any other provision.

13.4 Assignment

You may not assign these Terms. We may assign our rights to a successor entity.

13.5 Modifications

We may modify these Terms at any time. Material changes will be communicated via email or in-app notice. Continued use after changes constitutes acceptance.

13.6 Contact

Questions about these Terms:
Email: dale@beaconai.ai

14. ACKNOWLEDGMENT

By using the Software, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.