Terms of Service

unLocked CRM terms of service governing use of our insurance CRM platform.

Terms of Service

Last updated: February 20, 2026

By using unLocked CRM (the "Service"), provided by unLocked CRM LLC ("Provider," "we," "our," or "us"), you ("Client," "you," or "your") agree to be bound by these Terms of Service ("Agreement"). If you are entering into this Agreement on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms. Please read them carefully.

1. Scope of Service

• unLocked CRM is provided "as is" with the core, preset functionality available on the platform at the time of subscription.
• The Provider does not guarantee the availability of any specific future features, upgrades, or integrations unless expressly agreed in writing.
• The Service is a tool to assist in business operations; it does not guarantee sales, revenue, or specific outcomes.
• We reserve the right to modify, update, or discontinue any feature of the Service at any time, with reasonable notice where practicable.

2. Account & Access

• You must be at least 18 years old and able to form legally binding contracts to use the Service.
• You must provide accurate, current, and complete information during signup and keep your login credentials secure.
• You are responsible for all activity conducted under your account, whether authorized or not.
• You must notify us immediately of any unauthorized use of your account or any other breach of security.
• Sharing logins with unauthorized users is prohibited and may result in suspension.

3. Client Responsibilities

To get the most out of unLocked CRM, clients agree to:

• Provide timely access, approvals, and information needed for setup.
• Respond to communications during onboarding and ongoing service.
• Use the Service in compliance with applicable laws (e.g., HIPAA, TCPA, CMS, and privacy regulations).

unLocked CRM is not liable for delays, interruptions, or issues caused by:

• Client inaction or lack of communication.
• Third-party platforms, integrations, or service providers outside of our control (e.g., Twilio, Meta, Google, domain registrars, hosting providers, etc.).
• Misuse of the system by the client or its agents.

Delays or issues caused by the client shall not constitute a breach of this Agreement.

4. Payments & Billing

• Subscription fees are billed monthly (or annually, if selected).
• Payments are due on the billing date stated in your plan.
• Subscription remains active and billable until canceled.
• No Refund Policy: All fees paid for unLocked CRM services are non-refundable. Once payment is processed, no refunds will be issued for any reason, including early cancellation, dissatisfaction with services, or non-use of the platform.
• No Refunds for Partial Periods or Unused Time: Subscription fees are billed for the full billing period (monthly or annual) and are earned in full at the time of payment. If you cancel, downgrade, or your account is terminated mid-cycle, you will not receive a refund, credit, or proration for any unused days, unused features, unused seats, or unused portion of the billing period. This applies to all plans, including CRM subscriptions, lead subscriptions, add-ons, and any bundled services.
• SMS Charges: All SMS and text messaging charges are non-refundable. Once SMS credits are purchased or messages are sent, no refunds will be issued regardless of delivery status, usage, or remaining balance.
• Chargebacks: Initiating a chargeback or payment dispute for charges that are non-refundable under these Terms constitutes a breach of this Agreement and may result in immediate account termination, collection of the disputed amount, and recovery of associated dispute fees and legal costs.
• Failure to pay may result in suspension or termination of your account.

5. Acceptable Use & Prohibited Conduct

You agree not to use the Service to:

• Violate any applicable local, state, national, or international law or regulation.
• Transmit spam, unsolicited communications, or messages in violation of the Telephone Consumer Protection Act (TCPA) or CAN-SPAM Act.
• Upload or transmit viruses, malware, or any code of a destructive nature.
• Attempt to gain unauthorized access to the Service, other accounts, or computer systems.
• Interfere with or disrupt the integrity or performance of the Service.
• Use the Service for any fraudulent, deceptive, or illegal activity.
• Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the Service.
• Resell, sublicense, or make the Service available to any third party without prior written consent.

Violation of this section may result in immediate suspension or termination of your account without notice or refund.

6. No Guarantee of Results

unLocked CRM provides tools and automations to help manage and grow your business. However, we make no guarantees of specific results, including but not limited to sales, leads, revenue, or profits.

7. AI Features & Automated Tools

The Service may include artificial intelligence and machine learning features, including but not limited to lead scoring, quoting engines, policy analysis, and automated recommendations. By using these features, you acknowledge and agree that:

• AI-generated outputs are provided for informational purposes only and do not constitute professional advice (financial, legal, medical, or otherwise).
• AI outputs may be inaccurate, incomplete, or outdated. You are responsible for independently verifying all AI-generated information before relying on it.
• We do not guarantee the accuracy, reliability, or completeness of any AI-generated content or recommendation.
• You retain sole responsibility for all decisions made using AI-assisted features of the Service.
• No AI Training On Your Data: We do not use your Customer/Lead Data, PHI, communications, documents, or any other content you upload to or generate in the Service to train, fine-tune, or improve any artificial intelligence or machine learning model — period. This applies to our own models and to all third-party AI subprocessors, who are contractually prohibited from using your data for training. We do not train AI on customer data in any form. The only data we use to improve the Service is anonymized, aggregated usage telemetry (feature-usage counts, error rates, performance metrics) that contains no customer content and cannot identify you, your agency, or any individual.

8. Support & Availability

• Support is available during business hours (8 AM – 7 PM EST) by email, chat, or phone.
• We target 99.9% uptime but do not guarantee uninterrupted service.
• Scheduled maintenance or outages may occur and will be communicated when possible.

9. Warranty Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM US SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

10. Limitation of Liability

To the fullest extent permitted by law:

• unLocked CRM shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages (including, but not limited to, lost profits, lost data, lost clients, reputational harm, or business disruption), even if advised of the possibility of such damages.
• The total aggregate liability of unLocked CRM for any claim, whether in contract, tort, or otherwise, is strictly limited to the total fees paid by the Client to unLocked CRM in the thirty (30) days prior to the event giving rise to the claim.
• The limitations in this section apply regardless of the theory of liability, including breach of contract, tort (including negligence), strict liability, or any other legal theory.

11. Indemnification

You agree to indemnify, defend, and hold harmless unLocked CRM LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation, including but not limited to TCPA, HIPAA, CMS regulations, CAN-SPAM, and state insurance licensing requirements; (d) your Customer/Lead Data or any content you upload, transmit, or store using the Service; or (e) any third-party claim arising from your use of the Service.

12. Third-Party Services & Domains

• unLocked CRM may integrate with third-party platforms (e.g., Twilio, Meta, Google, domain registrars, email providers).
• The Provider is not responsible for the performance, renewal, or functionality of third-party services.
• Any issues, costs, disputes, or failures related to third-party services remain the responsibility of the Client.
• Your use of third-party services is subject to their respective terms of service and privacy policies.

13. Confidentiality

Each party agrees that all non-public information disclosed by the other party in connection with this Agreement ("Confidential Information") shall be kept confidential and shall not be disclosed to any third party without prior written consent, except as required by law. Confidential Information does not include information that:

• Is or becomes publicly available through no fault of the receiving party.
• Was known to the receiving party prior to disclosure.
• Is independently developed by the receiving party without reference to the Confidential Information.
• Is rightfully received from a third party without restriction on disclosure.

14. Termination

• You may cancel your subscription at any time by providing notice before your next billing date.
• We may suspend or terminate your account if you fail to comply with these Terms, misuse the platform, or fail to pay fees.
• Upon termination, access to the Service will be revoked, but payment obligations already incurred remain due.
• Data Export: Upon written request made within 30 days of termination, we will make all agency data in your account available for export in native, machine-readable formats. This includes, without limitation, contacts, leads, and Customer/Lead Data; policies, applications, and quotes; commission records, statements, and reconciliation history; documents and file attachments; call recordings, transcripts, SMS and email communication logs; notes, tasks, calendar and appointment records; pipelines, automations, workflows, forms, and templates; agency hierarchy, downline, and licensing records; and reports and audit logs. Exports are provided in CSV/JSON, with documents and media delivered in their original file formats. After 30 days, we may permanently delete all data associated with your account.
• Sections 4, 9, 10, 11, 13, 16, 17, 18, and 19 shall survive termination of this Agreement.

15. Intellectual Property

• All rights, title, and interest in unLocked CRM (including software, features, designs, documentation, and trademarks) remain with unLocked CRM LLC.
• You may not copy, resell, or misrepresent the platform as your own.
• We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your internal business purposes during the term of your subscription.
• You retain all rights, title, and interest in your Customer/Lead Data. You grant us a limited license to use such data solely to provide the Service.

16. Data & Privacy

• You retain ownership of your customer data.
• By using the Service, you grant unLocked CRM the right to process and store data as needed to provide services.
• We follow industry standards for security, including encryption at rest and in transit, but cannot guarantee absolute protection against breaches.
• Our collection and use of personal information is governed by our Privacy Policy and Data Processing Agreement, both of which are incorporated into this Agreement by reference.
• In the event of a data breach affecting your data, we will notify you in accordance with applicable law.
• HIPAA & BAA: unLocked CRM is HIPAA-compliant and will execute a Business Associate Agreement (BAA) with covered entities and business associates upon request. The Service is administered with the safeguards required to handle Protected Health Information (PHI). If you are a HIPAA-covered entity or business associate, a signed BAA must be in place before you upload any PHI to the Service; absent an executed BAA, you must not upload PHI. Where a BAA is executed, it governs all PHI and controls over any conflicting term in these Terms, the Privacy Policy, or the Data Processing Agreement. The order of precedence is: (1) BAA, (2) Data Processing Agreement, (3) Privacy Policy, (4) these Terms. To request a BAA, contact info@unlockedcrm.ai.
• TCPA & A2P 10DLC Compliance: You are solely responsible for obtaining all required consents from your contacts before sending SMS, MMS, or voice communications through the Service. You must comply with the Telephone Consumer Protection Act (TCPA), applicable state telemarketing laws, and A2P 10DLC registration requirements. The Service provides compliance tools to assist you, but compliance remains your responsibility.

17. Force Majeure

Neither party shall be liable for any failure or delay in performance arising out of causes beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, riots, government actions, power failures, internet or telecommunications failures, cyberattacks, or third-party service provider outages. The affected party shall provide prompt notice and use commercially reasonable efforts to resume performance.

18. Arbitration / Dispute Resolution

• Any dispute, claim, or controversy arising out of or relating to this Agreement, the Service, or your use of unLocked CRM shall be resolved exclusively by binding arbitration administered in the State of Indiana.
• Both parties waive the right to bring or participate in a lawsuit, class action, or jury trial in court. Arbitration shall be conducted on an individual basis only.
• The decision of the arbitrator shall be final and binding on both parties and enforceable in any court of competent jurisdiction.
• Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidential information.

19. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law provisions.

20. General Provisions

• Entire Agreement: This Agreement, together with the Privacy Policy and Data Processing Agreement, constitutes the entire agreement between you and unLocked CRM LLC regarding the Service and supersedes all prior agreements, representations, and understandings.
• Severability: If any provision of this Agreement is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver: The failure of either party to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.
• Assignment: You may not assign or transfer this Agreement or any rights hereunder without our prior written consent. We may assign this Agreement without restriction.
• Notices: All notices under this Agreement shall be in writing and sent to the email address associated with your account (for Client) or to info@unlockedcrm.ai (for Provider).

21. Changes to Terms

We may update these Terms from time to time. We will notify Clients of material changes by email or in-app notification at least 30 days before the effective date. Continued use of unLocked CRM after the effective date constitutes acceptance of the updated Terms. If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription before the effective date.

22. Contact Us

If you have questions about these Terms of Service, please contact us:

📧 info@unlockedcrm.ai