Terms of Service

These terms are a contract between Alexander Fregonese, self-employed professional (sole trader) established in Spain, Tax ID (NIF) Y3260770M, trading as "Cleverio AI" ("we", "us"), and the organization that uses the service (an insurance agency or an independent agent, "the agency" or "you"). They are accepted by the person who creates or administers the account, who represents that they have authority to bind the agency. Each user the agency invites is also bound by the part that applies to them (acceptable use, security of their access).

The Privacy Policy, the Data Processing Agreement, the Communications and Consent Policy and the Subprocessors list are part of this contract. If anything in this document conflicts with another, this one prevails.

This is a business-to-business contract: the agency contracts as a professional, not as a consumer. The agency's own clients are not parties to it and acquire no rights under it.

• Be at least 18 years old.
• Be a licensed insurance professional in the United States, or an agency that employs them, and use the service for that activity.
• Enter by invitation: public registration is closed. We open accounts on request, or an agency owner creates them by inviting their team.
• Provide truthful information and keep it up to date.

Each organization has an owner, who may have administrators (admin) and agents (agent). The owner contracts, changes roles, invites and removes; administrators run the operation; agents see their own work and what is shared with them. Every person has their own account: sharing credentials is prohibited.

You are responsible for everything done through your credentials, whether or not you authorized it, until you tell us they were compromised. We recommend enabling two-step verification, and the owner can require it of the whole team. If you suspect unauthorized access, change your password and let us know.

Removing a user revokes their access immediately, but their clients, notes and policies stay in the organization: they belong to the agency, not to the person.

The service is a CRM for managing leads, clients, policies, tasks, appointments, forms, email campaigns, payment tracking, team and goals, with optional integrations (Gmail, Google Calendar) and an AI assistant. We improve it continuously: we may add, change or remove features, and we will give reasonable notice if we remove a feature you use.

The service is a tool. We are not an insurance carrier, an agent, a broker, or a legal, tax or compliance advisor, and nothing in the service is advice. Compliance with insurance regulations, licensing, carrier rules, the TCPA, CAN-SPAM, HIPAA, GLBA, state privacy and marketing laws and every other law that applies to your business is exclusively your responsibility. The data you store, the quotes you prepare, the messages you send and the decisions you make with the CRM's help are yours. The figures the CRM shows come from what you (or your imports) give it; if an input is wrong, the figure will be wrong.

Some features are marked as beta (for example, the Copilot). They may change or be withdrawn without notice, their results are indicative only and must not be relied on without checking them.

• Agent plan: $49 per month, one seat.
• Agency plan: $59 per month, which includes the owner's seat. Each agent you connect is billed separately, in cumulative tiers:
• Agent 1 to 4: $49 per agent per month
• Agent 5 to 9: $44 per agent per month
• Agent 10 and up: $39 per agent per month
• Agency Pro plan: custom pricing based on the number of agents, integrations and data volume; agreed in writing.

Prices are in US dollars and exclude any applicable taxes, which are for your account. Billing is monthly. If we grant you a trial period, its length is shown when the account is created and nothing is charged during it; when it ends, either the plan is activated or the account is closed. A discount agreed in writing applies for the agreed period and we will notify you 30 days before it ends.

We may change prices with at least 30 days' notice to the owner; the new price applies from the next renewal. If you do not accept it, you may cancel before that date at no cost.

Today we handle billing directly: you will receive the invoice by email with the amount and the payment method. When we enable a payment gateway we will tell you beforehand and update the Subprocessors list. Overdue amounts may bear interest at the legal rate and we may suspend the service after notice.

The owner or an administrator can cancel from Settings at any time. Cancellation takes effect immediately: there is no need to wait for anyone's approval. The remainder of the current month is not refunded unless the law requires it.

We may suspend the account if payment is overdue after notice and a reasonable period to pay, if we detect use that breaches these terms or endangers other customers, the platform or email sending reputation, or if an authority requires it. Where there is an immediate security risk we may suspend first and notify afterwards.

After cancellation or final suspension we keep your data for 30 days so you can export it (clients, policies and form responses, to CSV) or reactivate the account. Then we delete it, except what the law requires us to keep. Especially sensitive data (SSNs, bank details, medical conditions) does not leave through the standard export; if you need it, ask and we will deliver it encrypted through a secure channel. It is your responsibility to export what you need before that period ends.

The data you enter in the CRM is yours. You give us the limited permission we need to store it, process it, send it to whoever you indicate and display it to you, solely to provide the service to you, under the Data Processing Agreement. We do not use it for anything of our own and we do not sell it.

You are responsible for having a legal basis to store each item: the person's consent, a contractual relationship or a legal obligation. You represent that you have every consent and authorization needed for us to process that data on your behalf, including for its transfer between the United States and the European Union. In particular, do not upload protected health information under HIPAA without having signed a Business Associate Agreement with us, and do not ask for a Social Security number in a free-text question of a public form (the CRM encrypts it in the client record, not in a text answer; the editor warns you).

The following is prohibited:

• Contacting anyone without the consent the law requires (TCPA, CAN-SPAM, do-not-call lists) or continuing to do so after they have asked you to stop. The Communications and Consent Policy explains how to record it in the CRM.
• Sending unsolicited or misleading email, or email whose subject does not match its content.
• Selling insurance without the license the state requires, or using the service for an illegal or fraudulent activity.
• Sharing accounts, transferring your access or reselling the service.
• Attempting to access another organization's data, circumventing security measures, reverse engineering the software or flooding it with automated requests.
• Uploading content that infringes third-party rights, or malicious software.

If you breach these rules, we may limit, suspend or close the account depending on severity, and you will be liable for the damage caused to us or to third parties.

You can send email from the CRM through our provider (with your own verified domain, if you configure one) or from the Gmail you connect. Each organization has a cap of 5,000 emails per month and 1,000 per day, with a progressive ramp for new domains. Every commercial email carries an unsubscribe link that takes effect immediately and the standard one-click unsubscribe headers; they cannot be removed.

If your sending generates complaints or bounces above the thresholds the CRM shows, sending pauses automatically to protect your reputation and everyone else's. We may keep the pause while we review with you what happened.

If you connect Gmail or Google Calendar, you also accept Google's terms for those services. Tokens are stored encrypted and you can disconnect them whenever you want. We are not responsible for changes, limits or outages in Google's services.

The software, the design, the built-in templates and the service's brand are ours or licensed to us. We grant you a limited, non-exclusive, non-transferable, revocable license to use them for the duration of the contract. Your brand, your logo and the content you create (your own templates, campaign copy, landing pages) are yours; you allow us to display them wherever you place them.

If you give us ideas or suggestions, we may use them to improve the service with no obligation to you.

Each party will treat as confidential the non-public information it receives from the other and will not use it for anything outside the contract. For us, everything in your account is confidential. This survives the end of the contract.

We work to keep the service continuously available, but we do not guarantee it will be uninterrupted. Planned maintenance is announced; incidents are communicated inside the CRM and by email when they affect your organization. An availability commitment (SLA) exists only when agreed in writing under the Agency Pro plan.

Support is provided by email at cleverioai@gmail.com, in English and Spanish, on business days.

The service is provided as is and as available. To the maximum extent permitted by law, we disclaim every warranty, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy and uninterrupted or error-free operation. We do not warrant any commercial result (more sales, more renewals), that the service meets any regulatory requirement applicable to your business, or the accuracy of the AI assistant's output. The CRM's figures, alerts and suggestions are tools for your professional judgment; they do not replace it.

To the maximum extent permitted by law, and except in cases of willful misconduct or gross negligence: our total liability to you for any cause, in contract, tort or otherwise, is limited to what you paid us in the twelve months preceding the event giving rise to it (or 100 US dollars if you paid nothing). We are not liable for lost profits, loss of business or revenue, loss of data due to causes outside our control, cost of substitute services, or any indirect, incidental, consequential, special or punitive damages, even if advised of their possibility.

We are not liable for: the accuracy of data you or your imports enter; decisions you make with the CRM's help; communications you send; outages, changes or limits of third-party services (Google, Anthropic, Resend, Supabase, Vercel, telecoms); access through credentials you failed to protect; or events beyond our reasonable control. Any claim against us must be brought within one year of the event that gives rise to it.

This limitation does not apply to our confidentiality and data protection obligations to the extent the law imposes them without limit, nor to anything the law does not allow to be limited.

You will defend, indemnify and hold us harmless (including reasonable legal costs) from any claim, fine or demand by a third party or an authority arising from: your use of the service contrary to the law or these terms; communications sent without the consent the law requires (TCPA, CAN-SPAM, state rules); data uploaded without a legal basis or without the consents you represented you had; your insurance activity and your dealings with your clients; or infringement of third-party rights by content you upload.

The contract starts when the account is activated and renews month to month until either party ends it. You, by cancelling from Settings. We, with 30 days' notice, or immediately for a serious breach or a security risk. Clauses that by their nature should survive (data, confidentiality, liability, indemnity, governing law) remain in force.

This contract is governed by the laws of Spain, without regard to its conflict-of-laws rules, and, where they cannot be waived, by the mandatory laws of the place where you are established. Before going to court, the parties will try in good faith to resolve any dispute for 30 days from one party's written notice to the other. Failing agreement, the dispute will be submitted to the courts of the city of Barcelona, Spain, and each party waives any other venue it might be entitled to.

To the extent permitted by law, each party waives any right to a jury trial and agrees that disputes will be resolved individually, not as a plaintiff or class member in any class, collective or representative action.

We may modify these terms. We will notify the owner of each organization by email and inside the CRM at least 15 days before the change takes effect (30 days if it affects the price). Continuing to use the service after that date means accepting them; if you do not accept them, cancel before.

• You may not assign this contract without our consent; we may assign it to whoever continues the business, with notice to you.
• Neither party is liable for what a force majeure event prevents (including failures of networks, hosting or third-party services outside its control), except payment obligations.
• Nothing in this contract creates a partnership, joint venture, agency or fiduciary relationship between the parties.
• If a clause is found void, the rest remains in force. Our not enforcing a clause on one occasion does not waive it.
• Notices to us go to our contact email; notices to you go to the owner's email on the account.
• This document and those it incorporates are the entire agreement between the parties about the service and replace any prior understanding.
• The English version is the one that governs. The Spanish version is a translation for convenience; in case of discrepancy, the English text prevails.

Alexander Fregonese, Barcelona, Spain. Email: cleverioai@gmail.com.