Terms of Service

1. Acceptance of Terms

By accessing or using the Agency Management Solutions ("AMS") website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, you may not access or use our website or services.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after any changes constitutes your acceptance of the modified Terms.

2. Description of Services

Agency Management Solutions provides an agency partner network that offers:

• Access to insurance carrier appointments
• Technology and vendor discount programs
• Peer networking and community support
• Business development resources and guidance
• Related services for independent insurance agents and agencies

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

3. Eligibility and Account Requirements

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into binding agreements
• Provide accurate, current, and complete information during the application process
• Maintain and promptly update your information to keep it accurate and current
• Hold or be eligible to hold required insurance licenses in your state(s) of operation

We reserve the right to refuse service, terminate accounts, or cancel applications at our sole discretion.

4. User Responsibilities

As a user of our services, you agree to:

• Provide truthful and accurate information in all communications and applications
• Maintain appropriate insurance licenses and comply with all applicable laws and regulations
• Use our services only for lawful purposes
• Not misrepresent your affiliation with AMS or any insurance carriers
• Protect any confidential information shared through our network
• Not engage in any conduct that could harm AMS, our partners, or other network members

5. Carrier Access and Appointments

While we facilitate access to insurance carrier appointments through our network:

• Carrier appointments are subject to each carrier's own terms, conditions, and approval processes
• We do not guarantee approval of any specific carrier appointment
• Carriers may modify or terminate their agreements with AMS or individual agents at any time
• Commission structures are determined by individual carrier agreements
• You are responsible for maintaining compliance with each carrier's requirements

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Agency Management Solutions or its content suppliers and is protected by United States and international copyright laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our website without our prior written consent.

7. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties regarding the accuracy, reliability, or completeness of any content
• Warranties that the services will be uninterrupted, secure, or error-free

We do not warrant that carrier appointments, commission rates, or business outcomes will meet your expectations.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, AGENCY MANAGEMENT SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Loss of data or business interruption
• Damages arising from carrier decisions or actions
• Damages arising from third-party products or services

Our total liability for any claims arising from your use of our services shall not exceed the amounts paid by you to AMS, if any, during the twelve (12) months prior to the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Agency Management Solutions, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of a third party.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites. Your use of third-party websites is at your own risk and subject to their respective terms and conditions.

11. Termination

We may terminate or suspend your access to our services at any time, with or without cause or notice, for any reason, including but not limited to:

• Violation of these Terms
• Misrepresentation of information
• Conduct harmful to AMS, carriers, or other network members
• Failure to maintain required licenses or compliance

Upon termination, your right to use our services will immediately cease. Provisions that by their nature should survive termination shall survive, including ownership, warranty disclaimers, indemnification, and limitations of liability.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements you may enter into with AMS, constitute the entire agreement between you and Agency Management Solutions regarding your use of our website and services, superseding any prior agreements.

15. Contact Information

If you have any questions about these Terms of Service, please contact us: