Terms of Service

Requotra is a software platform designed to assist independent insurance agents with lead management, follow-up automation, coverage note organization, and access to AI-powered tools. The Platform includes but is not limited to: the ReQuote Pipeline, E&O Shield, Follow-Up Engine, Agent AI, and related features.

THE PLATFORM USES ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING TECHNOLOGIES. BY USING THE PLATFORM YOU EXPRESSLY ACKNOWLEDGE AND AGREE TO THE FOLLOWING: a. AI ACCURACY DISCLAIMER. All AI-generated content, analysis, summaries, recommendations, comparisons, risk assessments, and outputs produced by the Platform are provided for informational and organizational purposes only. Requotra does not warrant or guarantee the accuracy, completeness, reliability, or fitness for any particular purpose of any AI-generated content. AI systems can and do make mistakes, produce inaccurate results, misinterpret documents, and generate incomplete or erroneous information. b. NOT PROFESSIONAL ADVICE. Nothing on the Platform constitutes legal advice, insurance advice, financial advice, compliance advice, or professional advice of any kind. The E&O Shield tool, Agent AI, property comparison features, and all other AI-powered tools are organizational aids only and do not replace the judgment of a licensed insurance professional, attorney, compliance officer, or other qualified professional. c. AGENT RESPONSIBILITY. You are solely and exclusively responsible for: (i) verifying all AI-generated content before relying on it; (ii) all coverage recommendations made to clients; (iii) all policy decisions, binding decisions, and coverage determinations; (iv) compliance with all applicable insurance laws, regulations, and carrier guidelines; (v) maintaining your own Errors and Omissions insurance coverage; and (vi) any and all consequences arising from your use of or reliance on AI-generated content. d. CARRIER GUIDELINES. AI analysis of uploaded carrier guidelines, rate sheets, and policy documents may be incomplete, outdated, or inaccurate. Always verify carrier-specific information directly with the carrier before making coverage decisions or representations to clients. e. E&O SHIELD LIMITATION. The E&O Shield feature is designed to flag potential risk areas for agent awareness only. It does not constitute a legal review, compliance audit, or guarantee of E&O protection. Identification or non-identification of risks by the E&O Shield does not create any liability for Requotra nor does it constitute legal advice.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: a. IN NO EVENT SHALL REQUOTRA, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO: LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, LOSS OF GOODWILL, E&O CLAIMS, CLIENT COMPLAINTS, REGULATORY ACTIONS, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM OR ANY AI-GENERATED CONTENT, EVEN IF REQUOTRA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. b. REQUOTRA'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (i) THE AMOUNT YOU PAID TO REQUOTRA IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (ii) ONE HUNDRED DOLLARS ($100.00). c. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED SERVICE. REQUOTRA DOES NOT WARRANT THAT THE PLATFORM WILL BE ERROR-FREE, SECURE, OR AVAILABLE AT ALL TIMES.

You agree to defend, indemnify, and hold harmless Requotra and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any coverage decision, client interaction, or professional activity conducted using or informed by the Platform; or (e) any claim by a third party, including clients, carriers, or regulatory bodies, arising from your use of AI-generated content.

a. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. b. You represent that all information you provide to Requotra is accurate and that you are a licensed insurance professional or operate under the supervision of one. c. You agree not to upload confidential client information beyond what is necessary for platform functionality and to comply with all applicable privacy laws including but not limited to applicable state insurance privacy regulations. d. You are responsible for ensuring that any client data uploaded to the Platform complies with applicable privacy laws and your own privacy obligations to your clients.

When you upload documents including carrier guidelines, policy documents, property records, and quotes to the Platform: (a) you represent that you have the right to upload such documents; (b) you grant Requotra a limited license to process such documents solely for the purpose of providing the Platform services to you; (c) Requotra does not claim ownership of your uploaded documents; and (d) you are responsible for the accuracy and appropriateness of all uploaded content.

You agree not to: (a) use the Platform for any unlawful purpose; (b) attempt to reverse engineer or circumvent any security measures; (c) use the Platform to generate content intended to deceive clients or misrepresent coverage; (d) share your account with unauthorized users; or (e) use the Platform in any manner that could damage, disable, or impair the Platform.

a. Access to the Platform requires a paid subscription. Subscription fees are billed in advance on a recurring basis. b. You authorize Requotra to charge your payment method on a recurring basis until you cancel. c. Refunds are not provided for partial billing periods. You may cancel at any time and retain access through the end of your paid period. d. Requotra reserves the right to modify pricing with thirty (30) days notice.

Requotra reserves the right to suspend or terminate your account at any time for violation of these Terms. Upon termination you will lose access to the Platform and your data may be deleted after thirty (30) days.

These Terms are governed by the laws of the State of Kansas without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration in Wichita, Kansas under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

Requotra reserves the right to modify these Terms at any time. Material changes will be communicated via email or in-app notification. Continued use of the Platform after changes constitutes acceptance of the revised Terms.

For legal notices and questions regarding these Terms contact: Requotra legal@requotra.com