Terms of Service

1. Acceptance of Terms

Welcome to LicenseEvo. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and LicenseEvo, Inc. ("LicenseEvo," "we," "us," or "our") governing your access to and use of the LicenseEvo platform, website, applications, and all related services (collectively, the "Service").

By creating an account, accessing, or using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

You represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Description of Services

LicenseEvo is an insurance licensing education platform that provides the following services:

• •Pre-Licensing Courses: State-approved educational courses designed to prepare individuals for insurance licensing examinations, including but not limited to Property & Casualty, Life & Health, and other lines of authority.
• •Exam Preparation: Practice exams, study guides, flashcards, and other preparatory materials to help users succeed on state licensing examinations.
• •Continuing Education (CE) Credits: Approved continuing education courses to help licensed insurance professionals maintain and renew their licenses in compliance with state requirements.
• •Agency Management Tools: Administrative tools for insurance agencies to manage agent onboarding, track licensing compliance, assign courses, and monitor team progress.
• •AI-Powered Learning: Adaptive learning experiences, AI-generated study materials, and personalized course recommendations.

We reserve the right to modify, suspend, or discontinue any part of the Service 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 Service.

3. Account Registration and Responsibilities

To access certain features of the Service, you must register for an account. When registering, you agree to:

• •Provide accurate, current, and complete information during the registration process.
• •Maintain and promptly update your account information to keep it accurate, current, and complete.
• •Maintain the confidentiality of your login credentials and not share your account with any other person.
• •Immediately notify LicenseEvo of any unauthorized use of your account or any other breach of security.
• •Accept responsibility for all activities that occur under your account, whether or not authorized by you.

LicenseEvo reserves the right to suspend or terminate your account if any information provided during registration or thereafter proves to be inaccurate, not current, or incomplete, or if we reasonably suspect that your account has been compromised.

4. User Accounts and Security

You are solely responsible for safeguarding the password and other credentials that you use to access the Service. You agree not to disclose your password to any third party. LicenseEvo cannot and will not be liable for any loss or damage arising from your failure to comply with this requirement.

For agency accounts, the designated administrator is responsible for managing team member access, including adding and removing users, assigning roles, and ensuring that only authorized individuals have access to the agency's account and data.

We implement commercially reasonable security measures to protect your account and personal information. However, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

5. Payment and Billing

Certain features of the Service require a paid subscription. By subscribing to a paid plan, you agree to the following:

• •Subscription Plans: LicenseEvo offers various subscription plans with different features and pricing tiers. The details of each plan, including pricing, are available on our website and may be updated from time to time.
• •Billing Cycle: Subscriptions are billed on a recurring basis (monthly or annually, depending on the plan selected). Your subscription will automatically renew at the end of each billing cycle unless you cancel it before the renewal date.
• •Payment Method: You must provide a valid payment method (such as a credit card or debit card) to subscribe. You authorize LicenseEvo to charge your payment method for all fees associated with your subscription.
• •Price Changes: We reserve the right to adjust pricing at any time. If we change the pricing for your subscription, we will provide you with at least 30 days' notice before the change takes effect. Your continued use of the Service after the price change constitutes your acceptance of the new pricing.
• •Refunds: Unless otherwise required by applicable law, subscription fees are non-refundable. If you cancel your subscription, you will continue to have access to the Service through the end of your current billing period, but no refund will be issued for the remaining portion of that period.
• •Taxes: All fees are exclusive of applicable taxes, levies, or duties imposed by taxing authorities. You are responsible for paying all such taxes associated with your subscription.

If your payment method fails or your account is past due, we may suspend or terminate your access to the Service. We reserve the right to use third-party payment processors and are not responsible for any errors or issues caused by such processors.

6. Intellectual Property

All content, materials, and resources available through the Service, including but not limited to course content, curricula, video lectures, written materials, quizzes, practice exams, study guides, graphics, logos, trademarks, software, and user interface designs (collectively, "LicenseEvo Content"), are the exclusive property of LicenseEvo or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Subject to your compliance with these Terms, LicenseEvo grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the LicenseEvo Content solely for your personal, non-commercial educational purposes. This license does not include any right to:

• •Reproduce, distribute, publicly display, or publicly perform any LicenseEvo Content.
• •Modify, create derivative works from, or reverse-engineer any LicenseEvo Content.
• •Download, scrape, or store any LicenseEvo Content except as expressly permitted by the Service (e.g., offline access features).
• •Use any LicenseEvo Content for commercial purposes, including reselling, licensing, or creating competing educational products.
• •Remove, alter, or obscure any copyright, trademark, or other proprietary notices from LicenseEvo Content.

Any unauthorized use of LicenseEvo Content may violate copyright, trademark, and other applicable laws and could result in civil or criminal penalties.

7. User Content and Conduct

You may submit content to the Service, including but not limited to discussion posts, forum comments, notes, reviews, and feedback ("User Content"). By submitting User Content, you grant LicenseEvo a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, modify, distribute, display, and perform your User Content in connection with operating and improving the Service.

You represent and warrant that you own or have the necessary rights to submit your User Content and that your User Content does not violate any third party's rights. You agree not to submit or engage in any of the following:

• •Content that is unlawful, defamatory, obscene, harassing, threatening, or otherwise objectionable.
• •Content that infringes on any intellectual property rights, privacy rights, or other rights of any third party.
• •Sharing, distributing, or reproducing exam questions, answers, or other proprietary examination content from state licensing exams.
• •Engaging in academic dishonesty, including cheating, plagiarism, or using unauthorized aids during assessments.
• •Using automated systems, bots, scrapers, or other unauthorized means to access the Service.
• •Attempting to interfere with, compromise, or disrupt the Service or its underlying infrastructure.
• •Impersonating another person or entity, or misrepresenting your affiliation with a person or entity.

LicenseEvo reserves the right, but has no obligation, to monitor, review, and remove User Content at our sole discretion and without notice.

8. Disclaimers

THE SERVICE AND ALL LICENSEEVO CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. LICENSEEVO EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, LicenseEvo makes no representations or warranties that:

• •Completing any course or program will guarantee that you will pass any state licensing examination. Exam outcomes depend on many factors, including your individual preparation, study habits, and test-taking abilities.
• •Use of the Service will guarantee that you will obtain an insurance license. Licensing decisions are made by state regulatory authorities and are subject to additional requirements beyond education, including background checks, application fees, and other criteria.
• •Course content will always be current with the latest state regulatory changes. While we strive to keep all content up to date, insurance regulations change frequently, and there may be delays in updating our materials.
• •The Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

LicenseEvo is an educational platform and does not provide legal, financial, or professional insurance advice. You should consult with appropriate professionals and your state's Department of Insurance for specific licensing requirements and guidance.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LICENSEEVO, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

• •Your access to, use of, or inability to access or use the Service.
• •Any conduct or content of any third party on the Service.
• •Any content obtained from the Service, including course materials and exam preparation resources.
• •Unauthorized access, use, or alteration of your transmissions or content.
• •Your failure to pass a licensing examination or obtain an insurance license.
• •Any errors, inaccuracies, or omissions in course content or materials.

IN NO EVENT SHALL LICENSEEVO'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO LICENSEEVO IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

THE LIMITATIONS OF THIS SECTION SHALL APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND WHETHER OR NOT LICENSEEVO HAS BEEN INFORMED OF THE POSSIBILITY OF ANY SUCH DAMAGE.

10. Indemnification

You agree to indemnify, defend, and hold harmless LicenseEvo, its directors, officers, employees, agents, affiliates, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of another party, including any other user; (d) your User Content; or (e) your violation of any applicable law, rule, or regulation.

11. Termination

You may terminate your account at any time by contacting us at support@licenseevo.com or through your account settings. Upon termination, your right to access and use the Service will immediately cease.

LicenseEvo reserves the right to suspend or terminate your account and access to the Service at any time, without prior notice or liability, for any reason, including but not limited to:

• •Breach or violation of these Terms.
• •Fraudulent, abusive, or illegal activity.
• •Non-payment of subscription fees.
• •Conduct that we determine, in our sole discretion, to be harmful to other users, the Service, or LicenseEvo's business interests.

Upon termination, all licenses and rights granted to you under these Terms will immediately cease. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, limitations of liability, indemnification, and governing law.

If your account is terminated due to a violation of these Terms, you may not be entitled to any refund for prepaid subscription fees. LicenseEvo is not obligated to maintain or provide access to any data, content, or records associated with a terminated account, except as required by applicable law.

12. Governing Law and Dispute Resolution

These Terms and any disputes arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law principles.

Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the federal or state courts located in the State of Delaware, and you consent to the personal jurisdiction of such courts.

Before filing any claim or action, you agree to first attempt to resolve any dispute informally by contacting us at support@licenseevo.com. We will attempt to resolve the dispute informally within 30 days. If the dispute is not resolved within that period, either party may proceed with formal legal action.

YOU AND LICENSEEVO AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and LicenseEvo agree otherwise, no arbitrator or judge may consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding.

13. Changes to Terms

LicenseEvo reserves the right to modify or replace these Terms at any time at our sole discretion. If we make material changes to these Terms, we will provide notice by posting the updated Terms on the Service and updating the "Last updated" date at the top of this page. We may also notify you via email or through an in-app notification.

Your continued use of the Service after any such changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and terminate your account.

It is your responsibility to review these Terms periodically for changes. We recommend checking this page regularly to stay informed of any updates.

14. Miscellaneous

• •Entire Agreement: These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and LicenseEvo regarding the Service and supersede all prior agreements and understandings.
• •Severability: If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.
• •Waiver: The failure of LicenseEvo to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by LicenseEvo.
• •Assignment: You may not assign or transfer these Terms or your rights under these Terms without the prior written consent of LicenseEvo. LicenseEvo may assign these Terms without restriction.
• •Force Majeure: LicenseEvo shall not be liable for any failure or delay in performing its obligations under these Terms due to causes beyond its reasonable control, including but not limited to natural disasters, acts of government, internet or telecommunications failures, or pandemics.

15. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us at: