Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Renewal Signals, Inc., a Delaware corporation ("Renewal Signals," "we," "us," or "our"), governing your access to and use of our website, platform, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.

2. Description of Service

Renewal Signals provides early warning intelligence and risk signals for commercial insurance brokers, derived from publicly available information. Our Services include data analysis, alerts, reports, and related tools designed to help insurance professionals identify renewal opportunities and assess client risk profiles.

3. Account Responsibilities

To access certain features of our Services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities that occur under your account

4. Public Data and Fair-Use Notice

All intelligence, data, and information provided through our Services is derived exclusively from publicly available sources, including but not limited to government records, regulatory filings, permits, licenses, public databases, and other lawfully accessible information. We do not access, collect, or utilize any private, confidential, proprietary, or non-public information. By using our Services, you acknowledge and agree that all data provided is public in nature and subject to the limitations and accuracy of the underlying public sources.

5. Use Restrictions

You agree not to:

• Use the Services for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the integrity or performance of the Services
• Reverse engineer, decompile, or disassemble any portion of the Services
• Use automated systems to access the Services without our written permission
• Remove, alter, or obscure any proprietary notices or labels
• Resell, sublicense, or redistribute the Services without authorization
• Use the Services to transmit harmful code, malware, or viruses

6. Intellectual Property

The Services and all content, features, and functionality, including but not limited to text, graphics, logos, software, and data compilations, are owned by Renewal Signals or its licensors and are protected by United States and international copyright, trademark, patent, and other intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes.

7. Payment Terms

Certain features of the Services may require payment of fees. By subscribing to a paid plan, you agree to:

• Pay all applicable fees as described in your subscription plan
• Provide accurate and complete payment information
• Authorize us to charge your payment method on a recurring basis
• Be responsible for all taxes associated with your use of the Services

We reserve the right to modify our fees and pricing structure at any time. Changes to fees will be communicated to you in advance and will take effect upon renewal of your subscription.

8. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components, or that the information provided will be accurate, complete, or current. You acknowledge that the Services rely on publicly available data, which may contain inaccuracies, omissions, or delays. We make no representations regarding the reliability, accuracy, or completeness of any data or information provided through the Services.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RENEWAL SIGNALS, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

10. Indemnification

You agree to indemnify, defend, and hold harmless Renewal Signals, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any rights of another party; or (d) any content or information you submit through the Services.

11. Governing Law

These Terms and any dispute arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware for any legal action arising out of or related to these Terms or the Services.

12. Arbitration Clause

Except for claims for injunctive or equitable relief or claims regarding intellectual property rights, any dispute arising out of or related to these Terms or the Services shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall be conducted in Delaware, and judgment on the arbitration award may be entered in any court having jurisdiction.

YOU AGREE THAT ANY ARBITRATION SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

13. Termination

We may suspend or terminate your access to the Services at any time, with or without cause, with or without notice, effective immediately. You may terminate your account at any time by discontinuing use of the Services and contacting us. Upon termination, your right to use the Services will cease immediately. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Modifications to Service

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Services.

15. Changes to Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting a notice on our website prior to the effective date of the changes. Your continued use of the Services after the effective date constitutes acceptance of the updated Terms.

16. General Provisions

These Terms constitute the entire agreement between you and Renewal Signals regarding the Services and supersede all prior agreements and understandings. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision shall not be deemed a waiver. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms at any time without notice.

17. Contact Information

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