Terms of Service

1. Acceptance of these terms

These Terms of Service (the “Terms”) form a binding agreement between you and Seven16 Group, LLC ([ENTITY], the “Company,” “we,” “our,” or “us”), the operator of seven16survey.com and the Seven16 Activator platform (the “Service”). By accessing the Service, creating an account, taking a survey, purchasing a Vertical Activation Pack, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. The Service

Seven16 Activator is a commercial insurance prospect activation platform. It enables licensed commercial insurance agents, agency principals, wholesalers, and Managing General Agents (MGAs) to send vertical-specific surveys, score prospect responses, generate follow-up briefs, and track activation progress from survey response through coverage review, quote request, and bound business.

Categories of users:

• Prospects — business owners or operators who complete a survey shared by an agent.
• Agents — licensed commercial insurance producers who use the Service to engage prospects.
• Admins — agency principals, wholesalers, MGAs, or program team members who manage agents and pipeline visibility.

3. Not an insurance product

The Service is not insurance.Seven16 Activator does not provide insurance quotes, issue policies, make underwriting decisions, determine coverage, or provide legal or regulatory advice. Survey results identify topics that may be worth reviewing with a licensed insurance professional. Actual coverage depends on policy language, endorsements, exclusions, applicable state law, and individual carrier underwriting standards.

Nothing produced by the Service — including but not limited to result pages, follow-up briefs, agent Share Kit templates, or the Carrier Risk Checklist and other Track A completion deliverables — constitutes insurance advice, legal advice, or any guarantee of coverage availability or premium outcome.

4. Agent licensing requirements

Agents using the Service must be licensed to sell property and casualty (P&C) insurance in the jurisdictions where they conduct business. By using the Service as an agent, you represent that:

• You hold all required state insurance licenses, in good standing.
• Your use of the Service complies with all applicable state insurance regulations, including but not limited to advertising rules, anti-rebating statutes, and producer conduct rules.
• You comply with all applicable carrier appointment agreements and will not misrepresent the source of leads to any carrier.
• You are solely responsible for licensing, appointments, and regulatory compliance in every jurisdiction where you operate.

5. Acceptable use

You agree to use the Service only for lawful purposes. You will not:

• Send unsolicited automated outreach (email, SMS, phone, ringless voicemail) without recipient consent that complies with TCPA, CAN-SPAM, CASL, and state-equivalent laws.
• Misrepresent your identity, license status, or carrier appointments.
• Use the Service to scrape, harvest, or otherwise extract personal data in bulk for purposes outside the Service.
• Use the Service to deliver communications that are deceptive, harassing, discriminatory, defamatory, or illegal under applicable law.
• Attempt to bypass, disable, or interfere with security or rate-limiting features.
• Use the Service in any way that violates state insurance anti-rebating statutes (including but not limited to laws in New York, California, Florida, Texas, Michigan, and New Jersey).
• Tie any incentive offered through the Service (Carrier Risk Checklist, gift cards, or other) to a requirement that a prospect purchase insurance, schedule a meeting, provide a testimonial, or write a review.

6. Agent attribution and data access

Each agent receives a unique attribution slug used in survey URLs. Survey responses are routed to the agent whose slug is in the link the prospect used. Access to survey response data is enforced via Row-Level Security (RLS) on the underlying database:

• Agents may view only responses connected to their own attribution slugs.
• Agency principals may view all responses within their agency.
• Wholesalers and MGAs may view responses from their appointed agents.
• Platform administrators may view all responses for support and audit purposes only.

Cross-tenant access is technically blocked at the database layer. Any attempted bypass constitutes a material breach of these Terms.

7. Pricing, payment, and refunds

The Service offers multiple purchase models:

• Vertical Activation Packs (one-time purchase): access to the current version of the purchased pack. Buyers receive version updates included for 12 months from purchase date.
• Subscription tiers (Solo, Agency, MGA): billed monthly or annually. Subscriptions auto-renew at the end of each billing period unless canceled.

7.1 Pack refund policy

For one-time Vertical Activation Pack purchases: full refund within 30 days of purchase if you have sent fewer than 10 survey invitations using the pack and you do not feel you received value. After 30 days, or after 10+ survey invitations have been sent, the pack purchase is non-refundable. The Carrier Risk Checklist (or equivalent completion deliverable) is yours either way.

7.2 Subscription refund policy

For subscription tiers: pro-rated refund of unused time available within 7 days of any renewal charge. After 7 days, subscriptions are non-refundable but cancelable; access continues through the end of the paid period.

7.3 Payment processing

Payments are processed by Stripe (stripe.com), subject to their terms of service. We do not store payment card numbers or banking credentials on our systems.

8. Intellectual property

The Service, including its software, design, scoring formulas, content, templates, branding, and the Seven16 Activator name, are owned by Seven16 Group, LLC and protected by copyright, trademark, and trade secret laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms.

You retain ownership of the content you input into the Service (survey responses, agent attribution metadata, notes, custom templates). By submitting content, you grant us a worldwide, royalty-free license to use, store, and display that content solely as needed to provide the Service.

You may not reverse engineer, decompile, copy, redistribute, white-label, or commercially exploit the Service or its outputs without prior written consent.

9. Disclaimers

The Service is provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Service will be uninterrupted, secure, or error-free.

We make no representations or warranties:

• That any survey, brief, scoring output, or recommendation is accurate, complete, or current as of any specific date.
• That the Service will produce any particular business outcome, lead conversion, quote, bind, or revenue result.
• That coverage gaps, risk signals, or compliance flags identified by the Service represent the full set of issues with any prospect's insurance posture.
• That the Carrier Risk Checklist or other Track A deliverables are sufficient as a substitute for licensed insurance review.

10. Limitation of liability

To the maximum extent permitted by law, Seven16 Group, LLC and its affiliates, officers, employees, contractors, and family-product partners (DotIntel, AgencySignal, Bind Lab, Seven16 Email, Seven16 Group Support, partners.seven16group.com) shall not be liable for:

• Indirect, incidental, consequential, special, exemplary, or punitive damages of any kind.
• Loss of profits, revenue, business opportunity, goodwill, or anticipated savings.
• Loss or corruption of data (other than as required by applicable data protection law).
• Any insurance outcome — including coverage denial, claim denial, premium increase, or carrier action — that occurs after a prospect or agent interacts with the Service.
• Any third-party action, including but not limited to carrier underwriting decisions or state regulatory inquiries.

Our total aggregate liability arising out of or related to the Service shall not exceed the greater of: (a) the amount you paid to us in the 12 months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Seven16 Group, LLC and its affiliates from any claim, liability, loss, damage, cost, or expense (including reasonable attorneys' fees) arising from or related to:

• Your violation of these Terms or any applicable law.
• Your use of the Service, including any communications you send through the Service.
• Your representations to prospects, carriers, or other agents.
• Any claim that your use of the Service infringed a third-party right.

12. Termination

You may stop using the Service at any time. We may suspend or terminate your access to the Service immediately, with or without notice, if we reasonably determine that you have violated these Terms, applicable law, or carrier or state regulatory obligations.

Upon termination:

• Your access to the Service ends.
• Sections that by their nature should survive termination (intellectual property, disclaimers, limitation of liability, indemnification, governing law) shall survive.
• For one-time pack purchases: terminations for cause are not refundable.
• You may request data deletion via the Delete My Data page or by contacting us.

13. Governing law and disputes

These Terms are governed by the laws of the State of [GOVERNING_LAW_STATE], without regard to conflict-of-laws principles. Any dispute arising out of or related to these Terms or the Service shall be resolved exclusively in the state or federal courts located in [GOVERNING_LAW_STATE], and you consent to the personal jurisdiction of those courts.

You waive any right to a jury trial in any proceeding arising out of or related to these Terms or the Service. Class action waivers may be included in a future revision of these Terms following legal review.

14. Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected in an updated effective date at the top of this page and, where required by law, by direct notice to affected users (email or in-app banner). Continued use of the Service after a material change constitutes acceptance of the updated Terms.

We will maintain a publicly accessible changelog of material Terms revisions once the Service moves out of beta.

15. Miscellaneous

• Entire agreement: these Terms (together with thePrivacy Policy) constitute the entire agreement between you and us regarding the Service.
• Severability: if any provision is held unenforceable, the remaining provisions remain in effect.
• No waiver: our failure to enforce a provision does not waive our right to enforce it later.
• Assignment: you may not assign your rights or obligations under these Terms without our written consent. We may assign in connection with a business transfer.
• Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control (natural disaster, war, infrastructure outage, government action, pandemic).

16. Contact

Questions about these Terms?

• Support: https://seven16groupsupport.com/support/seven16activation
• Email: legal@seven16group.com
• Postal: Seven16 Group, LLC, [REGISTERED_ADDRESS]