These Terms of Service ("Terms") govern your access to and use of the InsuredBoard website and platform (the "Service"). By creating an account or using the Service, you agree to these Terms.
How we handle your data is also described in our Privacy Policy, which forms part of your agreement with us for privacy practices.
1. The Service
InsuredBoard provides cloud-based software for insurance brokers and agents to manage customers, policies, renewals, agents, staff, and related documents. Features and plan limits are described on our pricing page.
Our commercial model is subscription access to the Service. We do not monetise the Service by selling your client or policy data.
2. Eligibility
You must be at least 18 years old and authorised to represent your business to use the Service. You are responsible for ensuring your use complies with applicable insurance regulations in your jurisdiction.
3. Your account
You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly at hello@insuredboard.com if you suspect unauthorised access.
4. Your data — ownership
You retain all ownership rights in customer records, policy details, KYC and other documents, and any other business content you enter into or upload to the Service ("Client Data").
Nothing in these Terms transfers ownership of Client Data to InsuredBoard. Clients remain your clients; policies and documents remain yours.
You grant us a limited, non-exclusive licence to host, store, process, transmit, and display Client Data solely as needed to provide, maintain, secure, and support the Service for your account — and for no other commercial purpose.
5. No sale of data (contractual commitment)
We shall not sell, rent, lease, trade, license for a fee, or otherwise commercially exploit Client Data or your personal information for our own benefit or for the benefit of third parties.
Without limiting the above, we will not:
- Disclose Client Data to third parties in exchange for money or other valuable consideration
- Provide your client lists, contact details, or policy information to marketers, aggregators, data brokers, or competing agencies for their commercial use
- Use Client Data to build a separate commercial dataset or lead product
Permitted processing is limited to operating the Service, fulfilling your instructions within the product, using infrastructure vendors under confidentiality obligations, and complying with law — as further described in the Privacy Policy.
6. Data Processing Agreement (optional written agreement)
Upon request, we will enter into a separate written Data Processing Agreement (DPA) or data-protection addendum with your business that confirms, among other things:
- Your ownership of Client Data
- Our role as processor / service provider
- The no-sale commitment in Section 5
- Purpose limitation, confidentiality, and security expectations
- Return or deletion of Client Data after account closure
To request a DPA or a signed data-assurance letter, email hello@insuredboard.com. Until a separate DPA is signed, Sections 4 and 5 of these Terms and the Privacy Policy govern our handling of Client Data.
7. Acceptable use
You agree not to:
- Use the Service for unlawful purposes or to store illegal content
- Attempt to access other users' accounts or data
- Interfere with or disrupt the Service or its security
- Reverse engineer or resell the Service without written permission
- Upload malware or content that infringes third-party rights
You are responsible for having a lawful basis to store and process your clients' personal data in the Service, and for any notices or consents required under applicable law.
8. Subscriptions and payment
Paid plans are billed as described at signup or activation. Fees are non-refundable except where required by law. We may change pricing with reasonable notice; continued use after changes constitutes acceptance.
9. Availability
We aim for high availability but do not guarantee uninterrupted access. We may perform maintenance or updates that temporarily affect the Service.
10. Disclaimer
The Service is provided "as is" without warranties of any kind. InsuredBoard is a management tool — we do not provide insurance advice, underwriting, or regulatory compliance services. You are solely responsible for your business decisions and client relationships.
11. Limitation of liability
To the maximum extent permitted by law, InsuredBoard shall not be liable for indirect, incidental, or consequential damages, or for loss of profits, data, or business arising from your use of the Service. Our total liability shall not exceed the fees you paid us in the twelve months preceding the claim.
12. Termination and data after exit
You may stop using the Service at any time. We may suspend or terminate access if you violate these Terms or fail to pay applicable fees. Upon termination, your right to use the Service ends.
After termination, we will delete or anonymise Client Data within a reasonable period, except where we must retain records by law. You may request an export of Client Data before or within a reasonable time after closure by contacting hello@insuredboard.com. Further detail is in our Privacy Policy.
13. Governing law
These Terms are governed by the laws of India. Disputes shall be subject to the exclusive jurisdiction of courts in India, unless otherwise required by applicable law.
14. Contact
Questions about these Terms, data ownership, the no-sale commitment, or requesting a DPA? Contact hello@insuredboard.com or visit our contact page.