1Quote Terms of Service
This Terms of Service Agreement ("Agreement") is entered into by and between GRA Benefits Group, LLC ("Licensor" or "GRA") and the individual or entity registering for and using the 1Quote software platform ("Licensee").
This Agreement becomes effective upon the Licensee's completion of the registration process and shall remain in effect until the Licensee's subscription expires or is terminated in accordance with the provisions of this Agreement.
Terms and Conditions
The Licensor has developed and owns the software and related services made available under this Agreement. The Licensee desires to obtain access to and use the software. In consideration of the mutual promises contained herein, the parties agree as follows:
1. License
Licensor retains all rights, title, and interest in and to the software, including all intellectual property rights, enhancements, modifications, updates, trademarks, service marks, copyrighted materials, images, content, data structures, and documentation associated with the software.
Licensee is granted a limited, non-exclusive, non-transferable, revocable license to access and use the software solely for its intended business purpose during the term of this Agreement.
Neither the Licensee nor any authorized user may copy, reproduce, distribute, sell, sublicense, reverse engineer, modify, or create derivative works of any portion of the software except as expressly permitted by Licensor in writing.
2. Licensee Qualifications
To qualify as a Licensee user, an individual must be:
Collectively, such individuals shall be referred to as "Licensee Users."
Licensee Users are responsible for maintaining any required insurance carrier appointments, certifications, or licenses necessary to quote, market, or sell insurance products through the software.
Representatives of insurance carriers, general agencies, managing general agencies, or similar organizations may not access the software without the prior written consent of GRA Benefits Group.
3. Sub-License and Authorized Users
Licensee shall not assign, transfer, sublicense, or otherwise grant access to the software to any third party without the prior written consent of Licensor.
Any additional users approved by Licensor shall be deemed authorized users under Licensee's account and shall be bound by the terms and conditions of this Agreement. Licensee shall remain responsible for all activity conducted under its account and authorized users.
4. Privacy, Data Use, and Marketing Communications
Protection of Licensee Data
Licensor will not share employer, prospect, client, census, quote, or other information entered into the 1Quote platform with any other 1Quote Licensee outside of the Licensee's agency, except as necessary to provide services requested by the Licensee, comply with applicable law, protect the rights of Licensor, or as otherwise permitted under this Agreement.
GRA will not use employer or prospect information entered into the 1Quote platform as sales leads for its own benefit and will not directly solicit, market to, or contact employer groups identified within the platform based solely on information obtained through 1Quote.
GRA does not sell employer census data, prospect information, client information, or other customer data entered into the 1Quote platform.
Third-Party Business Partners
From time to time, GRA may engage with insurance carriers, technology providers, industry vendors, service providers, educational partners, marketing partners, and other business partners whose products or services may be relevant to Licensees.
Licensee acknowledges and agrees that GRA may provide such approved third-party partners with limited business contact information, including:
Such information may be shared for purposes that include:
Under no circumstances will employer census data, prospect data, quote information, client information, or other information entered into the 1Quote platform be shared with third-party partners for marketing purposes unless expressly authorized by the Licensee or otherwise required by law.
Consent to Communications
By registering for, subscribing to, or using the 1Quote platform, Licensee expressly consents to the collection, use, and disclosure of its business contact information as described in this Agreement.
Licensee further acknowledges and agrees that GRA, its affiliates, and approved third-party partners may send communications related to products, services, educational opportunities, events, insurance industry developments, technology solutions, carrier offerings, and other business-related information that may be relevant to the Licensee's professional activities.
Marketing Communications and Opt-Out Rights
Licensee may opt out of receiving third-party marketing communications at any time by:
GRA will make commercially reasonable efforts to process and honor opt-out requests within a reasonable period of time.
Opting out of marketing communications will not prevent Licensor from sending transactional, operational, billing, account management, system notification, compliance, security, training, or other administrative communications that are necessary to maintain and service the Licensee's account.
Licensee acknowledges that approved third-party partners may maintain their own communication preference records and mailing lists. While GRA will make commercially reasonable efforts to communicate opt-out requests to participating partners when appropriate, Licensee may be required to separately unsubscribe from communications sent directly by a third-party partner.
5. Software Availability and Releases
Licensor represents that the software has undergone testing prior to release. Licensor shall use commercially reasonable efforts to maintain the software in an operational condition and to provide updates, enhancements, maintenance, and bug fixes as deemed appropriate by Licensor during the term of this Agreement.
Licensor does not guarantee uninterrupted access to the software and shall not be liable for temporary outages resulting from maintenance, updates, technical failures, third-party service interruptions, or circumstances beyond its reasonable control.
6. Support and Training
Licensor shall provide reasonable web-based training, onboarding assistance, and support services during normal business operations. Support requests may be submitted through methods designated by Licensor from time to time.
7. Payment Authorization
Licensee authorizes recurring charges to the credit card, debit card, or bank account provided during registration.
Charges will automatically occur on each billing cycle for all fees due under the applicable subscription plan. Licensee agrees that separate advance notice is not required for each recurring charge.
Licensee represents and warrants that it is authorized to use the designated payment method and agrees not to dispute valid charges that are consistent with the terms of this Agreement.
Licensor reserves the right to modify subscription fees or pricing structures at any time upon providing at least sixty (60) days prior notice to Licensee.
Failure to maintain a valid payment method may result in suspension or termination of access to the software.
8. Termination
Either party may terminate this Agreement at any time by providing written notice or by utilizing any cancellation functionality made available within the software platform.
Upon termination:
Upon termination, all rights granted to Licensee under this Agreement shall immediately cease.
9. Entire Agreement
This Agreement constitutes the entire understanding between the parties concerning the subject matter herein and supersedes all prior oral or written discussions, representations, negotiations, and agreements.
If any provision of this Agreement is determined to be unenforceable, the remaining provisions shall remain in full force and effect.
The failure of either party to enforce any provision of this Agreement shall not constitute a waiver of future enforcement of that provision or any other provision.
10. Acceptance of Terms
By registering for, accessing, or using the 1Quote platform, Licensee acknowledges that it has read, understood, and agrees to be bound by this Agreement and all policies incorporated herein by reference.