Terms of Service

1. Acceptance of Terms

By accessing and using the BindPilot AI platform (the “Service”), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service. Boldera Labs LLC (“we,” “us,” “our,” or “Company”) reserves the right to modify these terms at any time. Material changes will be communicated via email to the account administrator with thirty (30) days’ notice.

2. Eligibility & Account Registration

To use BindPilot AI, you must:

• Be a licensed independent insurance agency operating in the United States;
• Hold valid state insurance producer licenses for the lines of business you quote;
• Be at least 18 years of age or the legal age of majority in your jurisdiction;
• Have the authority to bind your agency to this agreement.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3. Service Description

BindPilot AI provides AI-powered comparative insurance quoting, carrier integration, and agency workflow automation tools. The Service is designed for licensed insurance professionals and is not a consumer-facing insurance marketplace.

4. Subscription & Billing

Access to BindPilot AI requires a paid subscription. Fees are billed monthly or annually as selected during checkout. All fees are non-refundable except as required by law. We may change pricing with 30 days’ notice. Failure to pay may result in suspension or termination of your account.

5. Permitted Use

You agree to use the Service only for:

• Obtaining comparative insurance quotes for legitimate policyholder prospects;
• Managing your agency’s book of business;
• Communicating with appointed carriers through the platform.

You must comply with all applicable federal and state insurance regulations, including licensing requirements, fair lending laws, and data privacy laws.

6. Prohibited Conduct

You may not:

• Use the Service to submit fraudulent or fictitious insurance applications;
• Reverse-engineer, scrape, or extract data from the platform;
• Share your account credentials with unauthorized individuals;
• Interfere with the operation or security of the Service;
• Violate any applicable law or regulation.

7. Intellectual Property

BindPilot AI, including its software, algorithms, interface design, documentation, and branding, is the property of Boldera Labs LLC. You retain ownership of your agency data. You grant us a limited license to process your data solely to provide the Service.

8. Data & Privacy

Your use of the Service is subject to our Privacy Policy. You are responsible for obtaining any necessary consents from policyholders before submitting their data to the platform.

9. Disclaimers

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. BindPilot AI does not guarantee the accuracy, availability, or completeness of carrier quotes. We are not an insurance company, carrier, or broker. Quotes provided through the platform are subject to carrier underwriting and approval.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BOLDERA LABS LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Termination

Either party may terminate this agreement at any time with 30 days’ written notice. We may suspend or terminate your account immediately for violation of these terms. Upon termination, your data will be retained for 90 days, after which it will be permanently deleted.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Washington County, Utah.

13. Contact

For questions about these Terms, contact us at: matt@bindpilot.ai

Boldera Labs LLC
Saint George, Utah