Agent Terms & Conditions

A. TERMS OF USE

1.www.insurehopper.com (hereinafter referred to as the “website”) is owned and operated by Insure Hopper, Inc. (hereinafter referred to as the “Company”). The access or use of this website, including all available services, tools, and information, shall be subject to your acceptance of the terms, conditions, policies, procedures, and regulations as set forth in this Agent Terms and Conditions (hereinafter referred to as the “Agreement”) as well as any additional stipulations and/or restrictions referenced within the website.

2.By creating an account, accessing this website, or availing of any of the services offered herein, you acknowledge that you have read and fully understood this Agreement and expressly agree to be legally bound and to faithfully comply with the provisions hereof. This Agreement is a legally binding contract between the Company and all agents, members, clients, customers, and any other person who uses or gains access to the website.

3.Likewise, by accessing or using this website or by clicking or checking a box indicating “I agree”, “I accept”, or any similar expression of agreement while obtaining access to any portion of this website, you agree to be legally bound by this Agreement;

4.The Company reserves the right to update, amend, revise, add, delete, or replace any part of this Agreement. And any such changes shall be posted in this website for your information and reference. Please be advised that your continued use or access of this website following the posting said changes shall constitute your acceptance thereof.

5.Further, it shall be your responsibility to check the current Agreement for any changes. You expressly agree that the most recent version of this Agreement legally binds you for any access or continued use of the website and any of the Company’s services, and you further agree that the most recent version of this Agreement supersedes and replaces any prior versions and binds you for the entirety of any unexpired or active term of your subscription/s.

B. GENERAL RULES OF CONDUCT

1.This website should be accessed or used solely in accordance with this Agreement and for lawful and legitimate purposes only.

2.Furthermore, the following, among other grounds which the Company may impose, shall be prohibited:

  • a.Posting false, libelous, defamatory, offensive, xenophobic, obscene, indecent, or otherwise harmful language;
  • b.Threatening, harassing, intimidating, or bullying;
  • c.Encouraging criminal conduct; and
  • d.Introducing or uploading viruses, malware, spyware or other harmful content or code.

3.All forms of cybercrimes shall be prohibited, including, but not limited to:

  • a.Hacking or interfering, or any attempts to hack or interfere, with the website or the web content management system;
  • b.Using ransomware or any other malicious or illegal software;
  • c.Uploading or transmitting (or attempting to upload or transmit) any viruses or other material that modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the website; and
  • d.Phishing or spoofing and any other forms of cyberattack.

C. AGENT ROLES & RESPONSIBILITIES

1.To create an account, you should complete the registration process on the website by submitting the required documentation and supplying all necessary information in support of your application.

2.By submitting your application, you attest to the truthfulness of all the data contained therein as well as the due execution and authenticity of any and all documents you submitted.

3.The approval of your application shall be subject to the discretion of the Company. The Company reserves the right to remove, delete, or suspend the account of any agent at any time and for any reason whatsoever.

4.Agents who achieve consistent positive client ratings and/or reviews may, at the discretion of the Company, be granted elite status. Agents who are granted an elite status shall be eligible to have their accounts featured on the homepage of the website. Should you fail to achieve at least a three-star rating, you shall not be eligible for the status of an elite agent or shall lose said status should you fail to maintain the minimum required rating.

5.By submitting your application, and upon the approval thereof by the Company, you expressly agree and undertake to fully and faithfully comply with the following terms and conditions, to wit:

  • a.You hereby accept your affiliation as an agent of the Company and agree to have your name, contact details, and such other information which the Company may deem necessary, displayed/exhibited in the directory of the website and all other affiliated websites of the Company; and
  • b.You expressly agree to give and grant to the Company access to (a) all quotes and/or rates for all lines of insurance of all the carriers you represent; (b) all messages and any other correspondences sent to or received from any client; and
  • c.any other information which the Company may require.

5.After the approval of your application, you shall be covered under the Company’s Basic Plan and assigned your own Agent I.D. and account which shall give you access to the following features:

  • a.All features presently available under the Basic Plan:
  • b.Priority exhibition in the list of agents under the Affiliated Agents section of the website;
  • c.Authority to add blog posts or videos to your profile in the website, which content can be shared to your own personal website or social media sites as well as other affiliated websites of the Company;

6. You agree to access or use the website, including your individual account, in accordance with this Agreement and the following policies and processes:

  • a.You shall only provide bindable rates corresponding to the particular line/s of insurance which the clients have provided in their forms. Such proposed bindable rates, which should be uploaded to the “Open Quotes” section of the website, however, should not contain your contact information nor the contact information of any of the carriers or agencies you represent;
  • b.You shall not be allowed to change your rates once the same has been uploaded to the clients’ profiles;
  • c.You can represent different carriers. However, you can only send to the client the rates of only one carrier of your choosing depending on the plan you have availed of;
  • d.Upon choosing a lead from the “All Leads” section, which shall then be transferred to the “Open Quotes” section of your dashboard, you shall have within a period of three (3) hours therefrom to send your rates to the client. During this three-hour period, the lead shall become invisible to other agents representing the same insurance carrier. Should you fail to provide a rate within the required three-hour period, the lead in question shall be moved back from the “Open Quotes” section to the “All Leads” section where it shall become visible once more to other agents of the same carrier;
  • e.The client shall have within a period of thirty (30) days from the time you send your rates, to accept or decline your proposal. During this time, the lead shall be reflected in the “Pending Quotes” section of your dashboard. Should the client accept or decline your proposed rates, you shall be notified thereof through the “Messages” section of your dashboard and through email. In the event that the client accepts your rates, you shall be obligated to bind the policy through the website;
  • f.You shall be required to pay the referral fee through the “Payments” section of your dashboard before the contact information of the client shall be provided to you;
  • g.All payments, whether via credit card, debit card, and the Automated Clearing House (ACH), shall be coursed through Tranzpay, an independent payment gateway service provider. Further, by using the services of Tranzpay, you expressly agree to hold the Company free from any liability whatsoever arising from any security breach thereof;
  • h.Any problems that may occur relative to the payment process shall be coursed through Tranzpay through the latter’s contact details, to wit:
    Phone Number: 844-872-6982
    Email: [email protected]
    Website: www.tranzpay.io
  • i.You are aware that the Company shall not be collecting any credit/debit card information from you and that you shall be redirected to the website of Tranzapay for all payment transactions where you shall be required to pay the latter: (1) fees equivalent to 3.5% of the payment to be made for debit or credit card payments or One Dollar ($1.00) for ACH payments, and (2) the separate charges imposed by Tranzpay;
  • j.The Company imposes a limit of Three Thousand U.S. Dollars ($3,000.00) per transaction for all credit card payments. For any single transaction exceeding the amount of $3,000.00, payments may be coursed through the ACH or by contacting the Company regarding said transaction;
  • k.The contact information of the client shall not be made available to you unless and until you bind the policy and pay the required referral fee. Likewise, your contact details shall only be made available to the client only after you have bound the policy and settled all required fees;
  • l.Before the policy is bound and the referral fee is paid, you nor the client shall not under any circumstances be allowed to exchange or share your personal information and contact details with each other;
  • m.Likewise, before the policy is bound and the referral fee is paid, you nor the client shall not be allowed to share your contact details with one another through any other medium of communication except through the “Messages” section of your dashboard;
  • n.Only upon your submission of adequate proof to show that no policy had been bound, and subject further to the discretion and approval of the Company, you shall be entitled to a refund of any referral fees paid where the client provided false or misleading information in his/her form.

7. You undertake to provide only true, correct, current, and complete information both in your profile and the forms you submit.

8. It shall be your responsibility to undertake all measures necessary to safeguard your account in order to prevent unauthorized access thereof. You shall be required to immediately inform the Company of any unauthorized access or use of your account or any other breach of security thereof.

9. You agree to keep your password confidential and agree not to allow any other person to use or access your account. In the event you need to share your credentials, you shall bear the responsibility and consequences of this decision.

10. You shall not be allowed to copy, reproduce, distribute, reverse engineer or otherwise exploit any content, code, data, or materials on the website.

11. You acknowledge, understand, and agree that your account is non-transferable, and any rights to your I.D. and/or the contents in your account shall terminate upon your death. Upon the receipt by the Company of a copy of a death certificate, the account shall be terminated and all contents therein permanently deleted.

12. You agree not to circumvent, disable, or otherwise interfere with security-related features of the website, including features that prevent or restrict the use or copying of any content or enforce limitations on the use of the website or the content contained therein.

13. You agree not to use this website for purposes of advertising, selling any form of goods, offering any services, or in connection with any other commercial endeavors.

14. You agree to defend, indemnify, and hold the Company, including any of the latter’s subsidiaries, affiliates, officers, agents, partners, and employees, free from any liability whatsoever arising from any loss, damage, claim, or demand, arising from your breach of this Agreement or your acts towards agents or other clients in the website or any third persons.

15. Should you have any concerns, complaints, grievances, or problems concerning your access or use of this website, the services offered herein, and any other matter involving the website or the Company, you agree to submit the same to the mediation & conciliation, arbitration, or any other dispute resolution process of the Company.

D. PLANS / SUBSCRIPTIONS

1.After the approval of your application, you shall be covered under the Company’s Basic Plan and assigned your own Agent I.D. and account which shall give you access to the following features:

  • a.Access to all free leads under the “All Leads” section corresponding to the line/s of insurance you are offering and the authority to send or provide your rates to as many leads available;
  • b.Authorization to upload and exhibit your proposed quotes or rates in the “Open Quote” section upon choosing a lead;
  • c.Access to sales insights;
  • d.Authorization to message clients through the “Messages” section, subject to the conditions as set forth under Section C(6) of this Agreement, and solely for the purpose of discussing and providing your rates as well as acquiring additional information lacking in clients’ forms which may affect the bindable rates to be provided;
  • e.Potential advertising opportunities through client reviews or feedback in the “Reviews” section;
  • f.Authorization to reply to client reviews;
  • g.Authorization to represent a maximum of one (1) carrier per lead; and
  • h.The listing/display of the carrier/s in the directory of the website and the Company’s affiliated website;

2. The Company shall be entitled to retain copies of all receipts covering of any payments and other transactions. No payment information of any agent, client, customer, or browser, however, shall be stored by the Company.

  • a.All features presently available under the Basic Plan:
  • b.Priority exhibition in the list of agents under the Affiliated Agents section and Agents’ Directory of the website;
  • c.Authority to add blog posts or videos to your profile in the website, which content can be shared to your own personal website or social media sites as well as other affiliated websites of the Company; and
  • d.Authorization to represent a maximum of two (2) carriers per lead.

3. Agents who wish to avail of the Company’s Pro Plan shall be required to pay a monthly fee of Thirty U.S. Dollars ($30.00) or an annual fee of Three Hundred U.S. Dollars ($300.00) which shall be non-refundable.

4. Agents who are granted a Premier Plan by the Company shall have access to the following features:

  • a.All features presently available under the Basic Plan and Pro Plan;
  • b.Access to a four-page website (hereinafter referred to as “agent website”) under the Company’s domain and the free website templates available which shall be removed upon the termination or expiration of your plan;
  • c.Search Engine Optimization (SEO) managed content for the assigned one-time agent website;
  • d.Access to customized videos which content can be shared to your own personal website or social media sites as well as other affiliated websites of the Company; and
  • e.Authorization to represent a maximum of five (5) carriers per lead.

5. Agents who wish to avail of the Company’s Premier Plan shall be required to: (a) pay the amount of Three Hundred U.S. Dollars ($300.00) for the first month and a monthly fee of One Hundred U.S. Dollars ($100.00) thereafter; or (b) an annual fee of One Thousand Four Hundred U.S. Dollars ($1,400.00) which shall be non-refundable.

6. Agents who avail of the Pro Plan or Premier Plan of the Company must agree to the latter’s payment terms and to settle the applicable monthly/annual fees on time and in full. Any subscriptions shall be renewed automatically unless cancelled in accordance with the cancellation process as set forth in the website, before the renewal date thereof.

7. Subscriptions recur either monthly or annually, depending on the subscription and payment terms you have availed of. You warrant that the credit card information you have supplied in payment of your subscription is updated and correct and that you are duly authorized to use the credit card. The Company reserves the right to implement fraud-protection measures anytime including, without limitation, temporarily charging small amounts to validate your credit card and authorization.

8. You may cancel your subscription by following the subscription cancellation process on the website. Should you fail to cancel your subscription before the renewal date thereof, you shall not be entitled to a refund of any fees corresponding to the remainder of your subscription term. You shall receive an advance notice at least sixty (60) days prior to the date of renewal. On said date of renewal, your subscription shall be renewed automatically unless cancelled.

9. Your continued access to the available features and inclusions pertaining to your subscription, shall be dependent on your timely and full payment of the applicable fees.

10. The Company shall have the right to cancel the subscription of those agents who are not in good standing. Consequently, said agents shall lose access to the services and any data associated with their subscription.

E. COMPANY RIGHTS

1. The Company reserves the right to take down or remove, at any time and without prior notice, any reviews, posts, comments, messages, or conversations that do not conform to the Company’s standards, principles, and ideals.

2. The Company reserves the right to suspend, block, or remove the accounts of any agent who violates the terms of this Agreement.

3. Likewise, the Company shall have the right to take down or remove any such reviews, posts, comments, messages, or conversations that violate the website’s terms of use as set forth in this agreement, including, but not limited to:

  • a.False, libelous, defamatory, offensive, xenophobic, obscene, indecent, inappropriate, or otherwise harmful language or content;
  • b.Irrelevant or immaterial language, content, and website links unrelated to the purpose and function of the website; and
  • c.Illegal, unlawful, or prohibited content.

4. The Company shall be entitled to retain copies of all receipts covering any payments and other transactions. No payment information of any agent, client, customer, or browser, however, shall be stored by the Company.

5. The Company reserves the right to take down or remove any proposed bindable rates uploaded in the “Open Quotes” section or “Messages” section that contain your contact information or the contact information of any of the carriers you represent.

6. The Company, for security purposes, shall have the right to store users’ Internet Protocol (IP) addresses and MAC addresses.

F. WARRANTIES AND LIMITATION OF LIABILITY

1. The Company does not endorse any reviews and shall not be liable for any claims, liabilities, or losses resulting therefrom.

2. The Company undertakes to utilize your information solely for the purpose/s for which the same was intended and not to market or offer such information to third parties in exchange for a fee or any other consideration.

3. The Company makes no other warranties, express or implied, regarding, without limitation, the identities, information, character/integrity of the agents registered in the website.

4. Under any and all circumstances, the Company shall not be liable for any loss, injury, or damages of any kind or form, including, but not limited to, those direct or indirect losses, injuries, and damages arising from: (a) your failure/refusal to comply with the terms of this Agreement and use the website in accordance with the terms as set forth herein; (b) the negligence and/or any wrongful or illegal acts of the clients registered in the website; and (c) your own negligence and/or any wrongful or illegal acts.

5. The Company undertakes not to sell or offer for sale any of your personal information nor share said information to any third parties except with entities affiliated with the Company and/or said entities’ website/s.

6. The Company makes no warranty or guarantee that any of the affiliated agents, brokers, and/or carriers to whom your application has been forwarded would contact you or agree to provide the coverage you requested.

7. The rates that shall be provided to you have been based on the information you have provided in your forms. Hence, the Company nor any of the latter’s affiliated agents shall not be liable nor responsible for any changes in the provided rates brought about by any misleading or lacking information which you failed to disclose or provide.

8. The Company shall not be responsible in any way for the conduct of any of its affiliated agents, brokers, discount program representatives, and companies that are matched with your insurance application. The coverage provided by any service provider will be subject to the terms and conditions of the insurance policy under which it is issued, and the Company has no control over such terms and conditions.

9. The Company may, at its option, offer additional website services and/or products or update, modify, or revise its present services and/or products. You acknowledge, accept, and agree that the Company shall not be held liable for any such updates, modifications, revisions, suspensions, or discontinuance of any of its services and/or products.

10. The Company reserves the right to suspend or terminate, either indefinitely or for a fixed period, the account of any member who knowingly and willfully provides any false, incorrect, or inaccurate information in his/her profile on in the forms which he/she submits, or who knowingly and willfully withholds any information required to be provided in their profiles or in the forms he/she submits.

11. Any questions, comments, suggestions, or materials submitted to us through the website will become the sole property of the Company. The Company shall own all rights in such materials and have the unrestricted right to use, publish or otherwise disseminate such information for any purpose, without attribution or compensation.

12. This website is the proprietary property of the Company and all source code, databases, functionality, software, designs, audio, video, text, photographs, and graphics on the website (hereinafter referred to as “content”) and the trademarks, service marks, and logos contained therein are owned or controlled by the Company.

13. No content or any other part of the website shall be copied, reproduced, uploaded, posted, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without the express prior written permission of the Company.

14. The Company makes no representations or warranties that the website will be suitable for your needs, is complete, timely, reliable, or free from errors, inaccuracies, or typographical mistakes. The Company does not warrant that the website shall be free of errors or viruses, worms, or other destructive or harmful codes.

15. Your use of this website, its content, and any of the services offered herein shall be at your own risk. Neither the Company nor any person associated with the Company makes any warranty or representation with respect to the security, reliability, quality, accuracy, or availability of the website.

16. The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

G. SUSPENSION/TERMINATION

1. The Company may, in its discretion and without prior notice, modify, restrict, suspend, discontinue, or terminate, whether temporarily or permanently, the entire website or any of its parts, sections, or features without incurring any liability or obligation to any person.

2. The Company reserves the right to suspend or terminate any accounts in its website of any user for any reason whatsoever.

H. CONFIDENTIALITY

1. Confidential information shall refer to any and all such information, including, but not limited to, all Agents’ account details, password, communications between the Company or the latter’s clients and other client information, financial information, costs or pricing information, and other sensitive data which the Agent may acquire in the course of using the website.

2. The Agent shall hold and maintain all confidential information in strictest confidence and shall utilize such confidential information exclusively for the legal purpose/s for which the same was intended.

3. The Agent undertakes not to disclose any confidential information to a third party without the prior consent of the Company nor permit any unauthorized disclosure thereof by others. In this regard, the Agent shall take all necessary precautions to safeguard all confidential information in order to prevent against any such unauthorized access or disclosure thereof.

I. OTHER MATTERS

1. If any provision contained in this Agreement is declared invalid or unenforceable, in whole or in part, such invalidity or enforceability shall not affect the remaining provisions hereof which shall remain in full force and effect.

2. The provisions of this Agreement shall be governed by and construed in accordance with the laws of the State of California, United States of America.

3. No joint venture, partnership, employment or agency relationship is created between you and the Company as a result of this Agreement or your use or access of the website. Likewise, as an affiliated agent, you shall not be considered a partner or shareholder of the Company.