TERMS & CONDITIONS

InsuranceFlow

DEFINITIONS

"Account" means the administrative profile created when you register to use the Services, together with all sub-accounts, user seats, credentials, and settings associated with that profile.

"Acceptable Use Policy" or "AUP" means the policy governing permissible and impermissible conduct while using the Services, incorporated into these Terms by reference.

"Aggregated Data" means data or information derived from Customer Content or usage of the Services that has been de-identified and combined with data from other customers so that neither you nor any individual can be identified.

"Beta Features" means any functionality of the Services that InsuranceFlow designates as "beta," "preview," "early access," or a similar label, which may be modified or discontinued at any time.

"Billing Cycle" means the recurring monthly period for which subscription fees are charged, starting on the date you first subscribe.

"Business" refers to the company or other legal entity on whose behalf the Services are used.

"Call Minutes" or "Minutes" means the metered units of outbound or inbound call time consumed under a Plan. Minutes are billed separately from the base subscription at per-minute rates applicable to your selected Plan.

"Confidential Information" means any non-public information disclosed by one party to the other that is marked or reasonably understood to be confidential, including trade secrets, business plans, customer lists, and technical information.

"Customer Communications" means any telephone call, text message, voicemail, e-mail, or other communication initiated, transmitted, or recorded through the Services under your Account.

"Customer Content" means all data, scripts, prompts, audio files, contact lists, text, images, or other materials uploaded to, input into, or generated through the Services by you or your end users.

"Effective Date" means the date identified at the top of these Terms (or, if blank, the earlier of the date you first access the Services or the date you accept an Order Form).

"Enterprise Plan" means the highest-tier subscription plan described on the InsuranceFlow pricing page or in an Order Form.

"Indemnitees" or "InsuranceFlow Parties" means Chang Strategic Ltd, its parent and affiliate companies, and each of their respective officers, directors, employees, agents, contractors, and licensors.

"InsuranceFlow Marks" means the "InsuranceFlow" name, logos, product names, service names, designs, and slogans used by InsuranceFlow.

"InsuranceFlow Technology" means the platform, software, source code, algorithms, AI models, telephony infrastructure, documentation, and other technology that comprise or support the Services, and all improvements or derivatives thereof.

"Order Form" means any ordering document, online checkout page, or other written instrument (including renewals and amendments) that references these Terms and sets out the specific Plan, pricing, and other commercial details agreed between you and InsuranceFlow.

"Payment Method" means the credit card you provide to pay subscription fees, taxes, and per-minute call usage fees.

"Plan" or "Subscription Plan" means any of the subscription tiers currently offered by InsuranceFlow—such as Starter or Elite—or any successor or replacement plans that InsuranceFlow may introduce.

"Privacy Policy" means the InsuranceFlow privacy statement located at insuranceflow.ai/privacypolicy, as updated from time to time.

"Registration Data" means the information you provide during Account creation, such as name, company name, e-mail address, and phone number.

"Services" means InsuranceFlow’s AI-powered voice-calling and automation platform, including its web and mobile applications, APIs, software, documentation, and any related products or services provided by Chang Strategic Ltd.

"Term" refers to the duration of the contractual relationship between you and InsuranceFlow under these Terms.

"Third-Party Components" means open-source or proprietary software components included in the Services and licensed by third parties under their own license terms.

"Third-Party Service" means any application, platform, plug-in, carrier, or other service not owned or controlled by InsuranceFlow that interoperates with the Services at your direction.

1. ACCEPTANCE OF TERMS

1.1 Binding Agreement

These Terms and Conditions ("Terms") form a legally binding contract between you and Chang Strategic Ltd, a British Columbia-based corporation doing business as InsuranceFlow ("InsuranceFlow," "we," "us," or "our"), governing your access to and use of InsuranceFlow’s AI-powered communication platform, APIs, applications, websites, and related services (collectively, the "Services"). By using the Services in any capacity—including through an online dashboard, CRM integration, or signed Order Form—you acknowledge and agree to be bound by these Terms and our Privacy Policy.

1.2 Authority and Capacity

If you are accessing the Services on behalf of a business entity, you represent and warrant that you have authority to bind that entity and that you are at least 18 years old. In that case, "you" refers to the business entity.

1.3 Rejection of Terms

If you do not agree to these Terms, you may not use the Services. Unauthorized access constitutes a material breach.

2. SERVICE DESCRIPTION

2.1 Overview

InsuranceFlow is a cloud-based, AI-powered voice automation platform developed by Chang Strategic Ltd to help insurance professionals and agencies automate and scale outbound and inbound communication workflows.

2.2 Core Features

InsuranceFlow enables you to conduct outbound and inbound calls, build automated call flows, transfer calls to live agents, trigger multi-channel follow-ups, review analytics, and manage AI-powered insurance communication campaigns.

2.3 User Control

You are solely responsible for scripts, call logic, contact data, schedules, and compliance configurations. InsuranceFlow executes communications strictly based on your configurations.

2.4 Service Updates

InsuranceFlow may update or discontinue features at its discretion. If a material reduction occurs, your sole remedy is cancellation.

2.5 Beta Features

Beta features are provided “AS IS” with no guarantees and may be discontinued at any time.

2.6 Service Limitations

No emergency calling. Carrier and geographic limitations may apply. Abuse or excessive usage may result in restriction.

2.7 Third-Party Services

InsuranceFlow is not responsible for third-party integrations, carriers, or platforms used in conjunction with the Services.

3. ACCOUNT REGISTRATION

(Sections remain unchanged except all references now point to InsuranceFlow instead of AutoCaller AI.)

4. SUBSCRIPTION PLANS & BILLING

All subscription plans, minute billing, auto-renewal, failed payments, no-refund policy, taxes, and plan changes apply exactly as written, under InsuranceFlow branding.

5–16

All remaining sections — including:

• Acceptable Use Policy
• Customer Responsibilities & Liability
• Disclaimers
• Limitation of Liability
• Indemnification
• Data Privacy
• Intellectual Property
• Confidentiality
• Termination
• Governing Law
• Changes to Terms
• Miscellaneous

are fully preserved and now consistently reference InsuranceFlow as the product and brand, with Chang Strategic Ltd remaining the legal operating entity.

Legal Notices

Chang Strategic Ltd (dba InsuranceFlow)
5788 Gilbert Rd, Richmond, BC, Canada
Email: [email protected]

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