Patent PendingPatent PendingIMPORTANT: PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS A BINDING ARBITRATION CLAUSE AND A WAIVER OF CLASS ACTION RIGHTS.
1. GENERAL TERMS
These Terms of Service and Supplemental Terms and Conditions ("Agreement" or "Terms") govern your access to and use of the InsuranceBuddy.app website and mobile application (the "App"), owned and operated by Digital Benefits Advisors, LLC ("Digital Benefits Advisors," "InsuranceBuddy™," "we," "us," or "our").
The Services are intended solely for users located in the United States and are governed by U.S. law. By clicking “I Agree,” installing, accessing, or using the Services, you agree to be bound by this Agreement, our Privacy Policy, and any incorporated supplemental terms. If you do not agree, you may not use the Services.
2. ACCEPTANCE AND ELIGIBILITY
You must be at least 18 years old and legally capable of entering into a binding contract to use the Services. If you are using the Services on behalf of an entity, you represent that you have authority to bind that entity.
3. PRIVACY
We process personal information in accordance with our Privacy Policy, which is incorporated by reference.
4. DESCRIPTION OF SERVICES
InsuranceBuddy™ provides tools that allow users to organize, store, review, and track insurance policies and related information, estimate insurance spend, and access optional automated assistance. The Services are informational only and are not a substitute for professional advice from licensed insurance, legal, tax, or financial professionals.
5. ARTIFICIAL INTELLIGENCE FEATURES AND USER CONSENT
Certain features of the Services include automated systems and artificial intelligence ("AI Features") designed to assist with organizing information, answering general questions, summarizing content, and guiding users through the App.
By using the Services, you acknowledge and agree that:
(a) AI-generated content is provided for general informational purposes only and does not constitute insurance, legal, tax, or financial advice;
(b) AI outputs may be generated without human review and may be inaccurate, incomplete, or outdated;
(c) You are solely responsible for verifying information before relying on it;
(d) Information you submit may be processed by AI systems solely to provide requested functionality in accordance with our Privacy Policy;
(e) Personal data is not used to train general AI models without explicit user consent or as permitted by law; and
(f) Use of AI Features is optional and may be included as part of paid Services.
By accessing or using AI Features, you provide explicit, informed consent to the processing described above.
6. ACCOUNTS AND REGISTRATION
You are responsible for maintaining accurate account information and safeguarding your login credentials. You are responsible for all activity under your account.
7. THIRD-PARTY SERVICES
You may authorize us to retrieve information from third-party services on your behalf. We act solely as your limited agent for this purpose and do not guarantee the accuracy or availability of third-party data or services.
8. PAYMENT AUTHORIZATION
Certain Services may require payment, including subscriptions, AI assistance, tools, and savings features. By enrolling, you authorize electronic debits and credits via ACH or other supported payment methods, or through an applicable app store billing provider where required.
You may revoke authorization as described in this Agreement. Fees are generally non-refundable except as required by law or by the applicable app store’s refund policies.
9. NO PROFESSIONAL ADVICE
The Services do not provide legal, tax, financial, or insurance advice.
10. ACCEPTABLE USE
You agree to use the Services lawfully and not to interfere with system functionality, misrepresent information, or attempt unauthorized access.
11. INTELLECTUAL PROPERTY
All content, software, trademarks, and design elements are owned by or licensed to Digital Benefits Advisors and may not be used except as expressly permitted.
12. DISCLAIMERS
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND.
13. LIMITATION OF LIABILITY
To the maximum extent permitted by law, Digital Benefits Advisors’ total aggregate liability arising out of or relating to the Services, this Agreement, or your use of the Services shall not exceed the total fees actually paid by you to Digital Benefits Advisors for the Services during the calendar year in which the claim arose.
14. INDEMNIFICATION
You agree to indemnify and hold harmless Digital Benefits Advisors from claims arising out of your use of the Services.
15. TERMINATION
You may terminate your account at any time. We may suspend or terminate access as permitted by law.
16. MODIFICATIONS
We may modify this Agreement or the Services at any time. Continued use constitutes acceptance of changes.
17. GOVERNING LAW AND ARBITRATION
This Agreement is governed by and construed in accordance with the laws of the State of Kansas, without regard to conflict of law principles. All disputes shall be resolved by binding arbitration on an individual basis, with a waiver of class actions and jury trials, subject to applicable opt-out rights.
18. CONTACT INFORMATION
Digital Benefits Advisors, LLC
251 Windward Passage, Suite H
Clearwater, FL 33767
Email: info@digitalbenefitsadvisor.com