Terms of Service
Effective November 9, 2026
These Terms govern use of the AgencyNodes service (the "Service") provided by AgencyNodes LLC, a Colorado limited liability company ("AgencyNodes", "we", "us"). By creating an account, starting a pilot, or using the Service you agree to these Terms. If you use the Service on behalf of an agency or company, you represent that you are authorized to bind it.
1. What the Service is
AgencyNodes is software that lets insurance agencies, brokers, PEOs and general agencies (each a "Customer") publish an employee-facing benefits assistant, a printable benefits guide and plan documents for the employer groups they serve. Answers are generated by an AI model from the plan information the Customer loads. The Service explains and routes; it does not sell insurance, adjudicate claims, confirm coverage for a specific situation, or give medical, legal, tax or investment advice.
Plan documents govern. Information shown by the Service is a summary. The insurance policy, certificate, Summary of Benefits and Coverage and plan documents control in every case. Employees should confirm anything that matters with their benefits advisor or the carrier.
2. Accounts and the Customer's responsibilities
- The Customer is responsible for the accuracy and currency of the plan data, rates, documents and branding it loads, and for having the right to use any logos, documents and carrier materials it uploads.
- The Customer is responsible for its own licensing and regulatory obligations, including any required disclosures to carriers or employers, and for ensuring its use of the Service complies with applicable insurance, consumer-protection and privacy laws.
- Access tokens and sign-in links are confidential. The Customer is responsible for activity under its account.
- The Service must not be used to collect Social Security numbers, financial account numbers or protected health information from employees. The assistant is instructed to refuse such information; the Customer agrees not to configure or use the Service to solicit it.
3. AI-generated content
Answers are produced automatically and may be incomplete or wrong, even when the underlying data is correct. We design the Service to answer only from the Customer's loaded data and to decline to guess, but we do not guarantee any specific answer. The Customer should review question logs, keep plan data current, and direct employees to a human advisor for decisions.
4. Fees, pilots and cancellation
- Pilot accounts are free for the stated period and group count. Paid plans are billed monthly in advance through Stripe at the prices shown on our pricing page at the time of purchase. Prices may change with 30 days' notice; changes apply at the next renewal.
- Either party may cancel at any time. Cancellation takes effect at the end of the current billing period; fees already paid are non-refundable except where required by law. On cancellation, employee links stop working and Customer data is deleted within 60 days unless the Customer asks us to export it first.
- We may suspend an account for non-payment, security risk, or a material breach of these Terms, after notice where practical.
5. Data
The Customer owns the plan data, documents and branding it loads. We use them only to provide the Service. We process employee questions, generated answers and callback requests on the Customer's behalf as described in our Privacy Policy. We do not sell data and do not use Customer data to train AI models.
6. Acceptable use
No reverse engineering, scraping, load testing without permission, reselling without a written agreement, or use that is unlawful, deceptive or infringes others' rights. White-label use (presenting the Service under the Customer's own brand) is permitted on plans that include it.
7. Disclaimers and limitation of liability
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE ARE NOT AN INSURER, AGENT, BROKER, PLAN FIDUCIARY OR ADMINISTRATOR. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE IS LIMITED TO THE FEES THE CUSTOMER PAID US IN THE 12 MONTHS BEFORE THE CLAIM, AND WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY BENEFIT DETERMINATION, COVERAGE DECISION OR CLAIM OUTCOME.
8. Indemnity
The Customer will defend and indemnify us against third-party claims arising from the plan data, documents or branding it loads, its communications with employers and employees, or its breach of these Terms.
9. General
These Terms are governed by the laws of the State of Colorado, with venue in Denver County. If any provision is unenforceable the rest remains in effect. We may update these Terms; material changes will be announced by email or in the console at least 14 days before they take effect. Questions: hello@agencynodes.com.