Terms and Conditions

1. The service

Magnobroker is a software platform for insurance brokers to centralize client and policy management, renewal campaigns, digital authorizations, audit trails, backups, birthday messages and related engagement workflows across supported devices.

Magnobroker is a technology provider. We do not act as an insurance carrier, insurance agent of record, broker-dealer, legal advisor or compliance advisor unless a separate written agreement expressly says otherwise.

2. Accounts and authorized users

• You must provide accurate account information and keep it up to date.

• You are responsible for maintaining the confidentiality of credentials and for activity under your account.

• You may only invite users who are authorized to access the broker or agency workspace.

• You must notify Magnobroker promptly if you suspect unauthorized access or misuse.

3. Broker responsibilities

You are responsible for the client, policy and authorization information you enter into Magnobroker. You must have all notices, permissions, consents and legal bases required to collect, use, store, send and share that information through the platform.

You are also responsible for confirming that your use of Magnobroker fits your licensing, insurance, marketing, recordkeeping, privacy, consumer-protection and electronic-signature obligations. The platform helps organize workflows, but it does not replace professional judgment or required legal review.

4. Digital authorizations and electronic signatures

Magnobroker may support digital authorization forms, signer verification flows, electronic signatures, timestamps and audit-trail records. You agree that electronic records and signatures may be used for workflows where applicable law and your business requirements allow them, and you are responsible for obtaining any required consent to use electronic records, electronic signatures and electronic delivery.

You are responsible for selecting the correct authorization template, verifying signer identity where required, preserving required records and confirming that each authorization satisfies the rules that apply to your business and jurisdiction. Authorization audit trails may include signer identity fields, IP address, user agent, device/browser metadata, browser fingerprint, timestamps, signature events and precise geolocation when the signer grants browser permission.

5. Communications

Magnobroker may allow email, SMS, push, in-app or similar communications for account, authorization, renewal, support, marketing or informational purposes. You are responsible for obtaining any consents required before sending messages to clients or other recipients and for honoring opt-out requests where required.

6. Subscriptions, billing and changes

Some features may be offered through free or paid plans. Plan limits, prices, billing periods, SMS credits, renewal terms and included features may be shown in the app, on the website or during checkout. Taxes, carrier fees, app-store terms or payment-processor terms may also apply.

If a plan is sold as a recurring subscription, it may renew automatically unless it is cancelled before the next renewal date through the account, checkout provider, app store or other billing channel used to purchase it. Downgrades, cancellations or non-payment may limit access to paid features, SMS credits, exports or support after the current billing period or as described at checkout.

Fees are generally non-refundable except where required by law or expressly stated by the applicable checkout, payment processor or app-store terms. Failed payments may lead to retry attempts, reminders, suspension, downgrade or termination. After cancellation or termination, you should export required business records within the available account access period because data access and retention may be limited by plan settings, deletion requests, legal requirements and backup retention schedules.

We may change plans, prices or features from time to time. When a change materially affects an active paid subscription, we will provide notice through reasonable channels before the change takes effect where required.

7. Acceptable use

You may not:

• use Magnobroker for unlawful, deceptive, abusive, harassing or discriminatory activity;

• upload malware, attempt unauthorized access or interfere with the service;

• send spam or communications without required consent;

• reverse engineer, scrape, copy or resell the service except as allowed by law or written agreement;

• misrepresent authorization records, signatures, client instructions or policy information.

8. Third-party services

Magnobroker may rely on or integrate with third-party providers for hosting, analytics, email, SMS, payments, app distribution, authentication, support or other functions. Those services may have their own terms and privacy practices. Magnobroker is not responsible for third-party services outside our control.

9. Intellectual property

Magnobroker, including its software, design, workflows, branding, content and technology, is owned by Magnobroker or its licensors. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable right to use the service for your internal business operations.

You retain ownership of the client, policy, authorization and business data you submit to the service. You grant Magnobroker the rights needed to host, process, transmit, display, back up and otherwise operate the service for you.

10. Privacy

Our Privacy Policy explains how personal information is collected, used, shared and protected. By using Magnobroker, you also agree to the practices described there.

11. Availability and disclaimers

We work to keep Magnobroker reliable, secure and useful, but the service is provided on an “as is” and “as available” basis. We do not guarantee uninterrupted operation, error-free performance, specific business outcomes, regulatory compliance outcomes or that every authorization will be enforceable in every situation.

12. Limitation of liability

To the fullest extent permitted by law, Magnobroker will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, business interruption or reputational harm arising from or related to the service.

13. Suspension and termination

We may suspend or terminate access if you violate these Terms, create security or legal risk, fail to pay amounts due, misuse the service or if continued access could harm Magnobroker, users, clients, service providers or third parties. You may stop using the service at any time, subject to your plan, billing and data-export options.

14. Governing law and disputes

These Terms are governed by the laws and mandatory rules that apply to the relationship between Magnobroker and the user, without regard to conflict-of-law rules unless those rules cannot be waived. If a separate written agreement, order form, app-store term or payment-provider term identifies a governing law, venue or dispute process for a paid subscription, that specific term controls for that subscription.

Before starting a formal dispute, both parties agree to try to resolve the issue in good faith through direct communication. If the issue cannot be resolved informally, disputes will be brought in a court or forum with competent jurisdiction unless a required law or a separate written agreement provides a different process.

15. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on this page with a new “Last updated” date. Continued use of Magnobroker after an update means you accept the updated Terms.

16. Contact

Questions about these Terms can be sent through the Magnobroker website contact form or through the support channel available inside the application.