Terms of Use

You must be at least 18 years old and able to form a binding contract to use the Service. You represent that the information you provide is accurate and that, if you accept these Terms for an organization, you are authorized to do so. The Service is intended for insurance agents and agencies in the United States and is not directed to individuals in the European Economic Area or the United Kingdom.

Our Privacy Policy describes how we collect and use information and is incorporated into these Terms by reference.

We may update these Terms from time to time. If we make material changes, we will post the updated Terms with a new "Last Updated" date and, where appropriate, notify you. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

We may offer features identified as beta, preview, or experimental. These are provided "as is," may change or be discontinued, and may be less reliable than generally available features. You use them at your own risk.

We may offer enterprise plans that allow an organization, agency network, or similar entity (an "Enterprise Customer") to verify ownership of an email domain. If you sign up, or have signed up, using an email address at a domain verified by an Enterprise Customer, we may route your registration to that Enterprise Customer's administrator, and organizations associated with that domain may be administered by, and their data made accessible to, that Enterprise Customer under its agreement with us.

If an account or organization that already exists would become subject to an Enterprise Customer's administration, we will notify the affected account owner first, and any transfer of an existing organization's data to an Enterprise Customer will require confirmation from that organization's owner. As between the Enterprise Customer and the individuals and organizations enrolled under its domain, the Enterprise Customer is responsible for its administrators' actions and for having the authority to administer accounts at its verified domains.

The Service offers a free tier and paid per-seat plans. Current pricing, the number of free users, plan limits, and applicable fees are described on our Pricing page and are subject to change. We will provide notice of changes that affect your paid plan before they take effect.

Paid plans are billed in advance on a recurring basis through our third-party payment processor and renew automatically until canceled. You authorize us to charge your payment method for all applicable fees. Fees are exclusive of taxes, and you are responsible for any taxes other than those based on our net income.

Adding seats may increase your charges immediately or on your next billing date; removing seats takes effect at the end of the current billing period. Except where required by law, fees are non-refundable and there are no credits for partial periods or unused seats. If a payment fails or is overdue, we may suspend or limit paid features after reasonable notice.

"Customer Data" means the data you and your users submit to or generate in the Service, including information about your clients and prospects, policies, documents, notes, tasks, and communications. As between you and Binder Labs, you own your Customer Data. You grant us a worldwide, non-exclusive license to host, process, transmit, and display Customer Data solely to operate, secure, support, and improve the Service for you.

For Customer Data that includes personal information about your clients or other individuals, your organization is the controller and Binder Labs acts as a service provider (processor). We process such data on your behalf and according to your instructions, solely to provide the Service. We do not sell Customer Data, use it for advertising, or use it to train our own AI models.

You represent and warrant that:

• You have the necessary rights, consents, and lawful basis to collect, import, and use the Customer Data in the Service, including any data you import from a prior system or book of business.
• Your use of the Customer Data complies with all applicable laws and with any notices, consents, and obligations you owe to the individuals it concerns.
• You will respond to your clients' privacy requests; we will provide reasonable tools to help you export, correct, or delete data.
• You will not submit protected health information subject to HIPAA, Social Security numbers, payment card numbers, driver's license numbers, or similar highly sensitive identifiers to the Service except where the Service provides a field designated for that purpose or we have agreed in writing to receive them.

The Service includes features that use artificial intelligence and lets you connect third-party AI assistants. AI output may be inaccurate, incomplete, or out of date, and is not legal, insurance, financial, or other professional advice. You are responsible for reviewing AI output before relying on it or acting on it, and for any action taken based on it.

You may choose to connect third-party AI assistants and services (for example, Claude or ChatGPT) to the Service. When you do:

• You authorize the connection and the access to Customer Data that you enable, and you are responsible for what data you expose and for whom you grant access.
• Your use of those third-party services is governed by their own terms and privacy policies. We do not control them and are not responsible for how they handle data or for their output.
• You may revoke a connection at any time. We may suspend, limit, or remove a connection to protect the Service or comply with law or a provider's requirements.

AI agents can act autonomously and unpredictably. Once you grant access, an agent may read, create, edit, delete, or export Customer Data, send communications, change settings, and take other actions in the Service on your behalf — including actions you did not specifically intend or anticipate, and actions that may be incorrect, harmful, irreversible, or non-compliant. You acknowledge that:

• Any action an agent takes through your connection is treated as an action by you and your organization, and you are responsible for it as if you had taken it yourself.
• You are responsible for choosing which agents to connect, the scope of access and permissions you grant them, supervising their activity, and reviewing the results.
• To the fullest extent permitted by law, Binder Labs is not responsible or liable for any actions, errors, omissions, data loss, unauthorized disclosures, communications, or other consequences caused by an AI agent you connect, and your use of these connections is governed by the disclaimers and limitations in Sections 13 and 14 and your indemnification obligations in Section 15.

The Service, including all software, content, and trademarks we provide, is owned by Binder Labs or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes.

You receive no rights other than those expressly granted. You may not use our names, logos, or trademarks without our prior written consent.

If you give us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.

You may stop using the Service and cancel your account at any time. Cancellation takes effect at the end of your current billing period, and fees already due remain payable.

We may suspend or terminate your access if you breach these Terms, fail to pay, create risk or possible legal exposure for us or others, or if we discontinue the Service. Where practicable we will provide notice; we may act immediately for serious violations or security risks.

On termination, your right to use the Service ends. For a reasonable period after termination (typically thirty (30) days), you may request an export of your Customer Data, after which we may delete it in the ordinary course, subject to legal retention requirements.

We may treat an account or organization as inactive if no user has signed in or otherwise used it for an extended period (for example, six (6) months). After reasonable notice to the email associated with the account, we may suspend, disable, or permanently delete an inactive account and its Customer Data, after which the data cannot be recovered. This applies to free accounts in particular, and helps us keep the Service secure and efficient. To keep an account active, simply sign in from time to time; you remain responsible for exporting any data you wish to retain.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. The Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions below.

Before starting an arbitration or other formal proceeding, the initiating party will give the other written notice describing the dispute and the relief sought, and the parties will try in good faith to resolve it for at least 30 days. You send notice to us at ; we send notice to you at the email associated with your account. This informal process is a precondition to starting arbitration.

Except for the disputes described in Section 17.6, any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its rules then in effect (including the Consumer Arbitration Rules where applicable). The arbitrator decides all issues, except that a court decides disputes about the scope or enforceability of the class-action waiver in Section 17.4. Arbitration will take place in Delaware or, by agreement, by video or telephone, and judgment on the award may be entered in any court with jurisdiction.

You and Binder Labs waive the right to a jury trial. Disputes will be brought only on an individual basis, not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims except as expressly provided in Section 17.5.

If 25 or more similar arbitration demands are filed by or with the coordination of the same or related counsel, the parties agree the demands will be administered in sequential batches of up to 50 at a time. A small number of cases in each batch will be arbitrated first, and the parties will use the outcomes and a single mediation to try to resolve the remaining cases before further batches proceed. Filing and arbitrator fees for batched cases are assessed per batch, not per individual case, and any applicable limitations periods are tolled for cases awaiting their batch. This provision is intended to make large-volume disputes fair and efficient for both sides.

Either party may bring an individual claim in small-claims court if it qualifies. In addition, either party may ask a court for injunctive or other equitable relief to address actual or threatened infringement, misuse, or unauthorized access to intellectual property, Customer Data, or confidential information. These matters, and any dispute that a court finds is not subject to arbitration, are governed by Section 17.8.

You may opt out of the arbitration and class-action-waiver provisions (Sections 17.3 through 17.5) by emailing within 30 days of first accepting these Terms, stating your name, account email, and that you opt out of arbitration. If you opt out, Section 17.8 governs your disputes. Opting out does not affect any other part of these Terms.

For disputes that are not subject to arbitration (including those in Section 17.6, claims by users who opt out, and any dispute a court finds is not arbitrable), the state and federal courts located in Delaware have exclusive jurisdiction, and you and Binder Labs consent to personal jurisdiction there.

If the class-action waiver in Section 17.4 is found unenforceable as to a particular claim, that claim will proceed in court under Section 17.8, but the rest of this Section remains in effect for all other claims. This Section survives termination of these Terms.

These Terms and any documents they incorporate are the entire agreement between you and Binder Labs regarding the Service and supersede prior agreements on that subject.

If any provision is unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver of it.

You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.

Neither party is liable for delays or failures caused by events beyond its reasonable control.

The parties are independent contractors. We may provide notices to you through the Service or by email; you may provide notices to us using the contact details below.

Any provision that by its nature should survive termination will survive, including ownership and feedback (Sections 5.1 and 10.3), intellectual property (Section 10), the professional disclaimer (Section 11), confidentiality (Section 12), disclaimers of warranties (Section 13), limitation of liability (Section 14), indemnification (Section 15), dispute resolution (Section 17), and any accrued payment obligations.