Terms of Service

1. Acceptance of Terms

Before email signup, Google signup, or joining an invited team, you must personally accept these Terms and acknowledge the Privacy Policy. Returning accounts without current acceptance must complete this step before entering the app or starting checkout. We record your account ID, document versions, server timestamp and acceptance method. We do not collect an IP address for this acceptance.

Personal acceptance by an invited teammate does not represent authority to bind the agency. A purchaser must separately confirm authority for the agency and recurring billing before continuing to Stripe. Marketing and SMS consent are not included in this acceptance.

Legal review notice: the revised agreement, billing, security, signing and deletion language is a draft pending attorney review. It is not a certification of legal compliance. Any DPA or security addendum requires a separate agreement; the signup checkbox does not accept one.

2. Description of Service

AscendHub provides a revenue operating system for Life insurance and Property & Casualty producers, agents, and agencies writing either or both supported lines. The Service includes customer relationship management (CRM) capabilities alongside pipeline, renewal, client service, and commission workflows. Depending on your plan, the Service helps you track leads and clients, manage a sales pipeline, schedule follow-ups, store policies and renewal dates, build indicative multi-carrier quotes, send drop-ticket applications for electronic signature, work client service requests, generate certificates of insurance, log and reconcile commissions against carrier statements (including flagging short-paid commission and producing dispute documents), model override commission hierarchies, track licenses and appointments, place calls and texts, create quotes and invoices, run marketing campaigns, and generate AI-assisted content. The Service is available via web browser and mobile application.

Indicative quotes, commission figures, reconciliation results, and AI-generated content are informational tools only. They are not carrier-issued quotes, binding offers of coverage, statements of account, accounting records, or legal or compliance advice. You are responsible for verifying all figures and coverage terms with the carrier of record before relying on them.

3. Account Registration

To use most features, you must create an account. You agree to:

• ●Provide accurate and complete information
• ●Keep your password secure and confidential
• ●Be at least 13 years of age (or the age of digital consent in your jurisdiction)
• ●Notify us of any unauthorized use of your account
• ●Be responsible for all activity under your account

4. Subscription Plans and Billing

The Service offers free and paid subscription plans. Paid plans are billed monthly or annually through Stripe. Before payment, review the selected plan, number of seats, actual recurring amount and interval, annual total where applicable, trial status and tax treatment. The billing disclosure reads the existing Stripe configuration; no general annual discount is guaranteed. Confirm recurring billing separately before proceeding to Stripe, where the final payment total is shown. Lead and client limits describe database capacity for records you add or import. AscendHub does not provide or sell leads or prospect lists.

• ●Free Plan ($0/month): 1 user, storage for up to 10 lead records and 10 client records that you add or import, pipeline and Kanban board, policy records with renewal tasks, activities and calendar, production goals, quotes and invoices, basic email templates, CSV import, and the in-app AI assistant. Available indefinitely at no cost.
• ●Standard Plan (single-user flat-rate subscription): Single user only — no team members or role permissions. Storage for up to 500 lead records and 500 client records that you add or import, plus everything in Free and: multi-carrier quoting, e-app and electronic signature, the service desk, certificates of insurance, quote recovery, commission logging, carrier statement import, reconciliation and the recovery ledger, licenses and appointments, automated renewal emails and text messages, cross-sell sequences, click-to-call, texting and the power dialer, workflow automations, reporting, integrations, and email support.
• ●Pro Plan ($79 per seat/month, or $63 per seat billed annually): Up to 10 seats and storage for up to 5,000 lead records that you add or import, plus unlimited client records and everything in Standard and: multi-user access, team roles and permissions, team messaging and a shared dashboard, team leaderboard, lead source attribution, campaign tracking, lead scoring, advanced analytics, audit log and retention controls, and priority support.
• ●Enterprise Plan ($89 per seat/month, or $71 per seat billed annually): Up to 50 seats and unlimited lead and client record storage for records you add or import, plus everything in Pro and: override commission hierarchy with automatic upline splits, downline production reporting, and custom branding.
• ●Feature availability: The plan breakdown published on our Plans page is the current, authoritative list of what each plan includes. Features gated to a higher plan remain visible in the app with an upgrade prompt. We may add features to plans over time; we will not remove a materially advertised feature from your plan mid-term without notice.
• ●Seats: Per-seat plans are billed on the number of seats you select at checkout. Adding seats increases your recurring charge; removing seats takes effect at the next renewal.
• ●Cancellation: You may cancel your subscription from Profile > Subscription before renewal. Cancellation takes effect at the end of the current billing period; you retain access until then. A deletion request does not cancel billing.
• ●Price Changes: We may change subscription fees with at least 30 days notice. Existing subscribers are locked in at their current rate until the next renewal after the price change.
• ●Refunds: New paid subscriptions are covered by a 14-day money-back guarantee. After 14 days, payments are non-refundable and no refunds are issued for partial or unused billing periods.

5. Acceptable Use

You agree not to misuse the Service. Prohibited conduct includes, but is not limited to:

• ●Using the Service for health insurance, Medicare, Medicaid, ACA, dental, or vision business; only Life and Property & Casualty are supported
• ●Entering, uploading, importing, or transmitting protected health information, medical records, diagnoses, or medication histories, including in Life underwriting, documents, messages, notes, or AI conversations. AscendHub is not offered as a HIPAA-compliant system; use the carrier's approved secure system for medical underwriting
• ●Using the Service for any unlawful purpose
• ●Uploading or transmitting viruses, malware, or harmful code
• ●Attempting to gain unauthorized access to the Service, other accounts, or our systems
• ●Scraping, copying, or extracting data from the Service beyond your own data
• ●Using the AI features to generate content that is fraudulent, defamatory, or infringes on intellectual property
• ●Sharing your account credentials with others outside your organization

6. Your Content

You retain ownership of all leads, clients, policies, commissions, notes, activities, invoices, campaigns, and other data you create in the Service ("Your Content"). You grant us a limited license to host, store, and process Your Content solely to provide the Service to you. You are responsible for ensuring you have the right to store and process any contact data you upload, including compliance with applicable data protection laws (e.g., GDPR, CCPA) for your contacts.

7. Third-Party Integrations

The Service integrates with third-party services including Google (Sign-In, Gmail, and Calendar), Microsoft Outlook, Calendly, Stripe (payments), Twilio (calls and text messaging), Resend (transactional email), Zapier, and AI providers for content generation. Your use of these integrations is subject to the respective third party's terms and privacy policy. We are not responsible for the practices of these third parties, but we limit data sharing to what is necessary to provide the requested feature.

Calls and Text Messages: If you use the calling and SMS features, you are solely responsible for complying with applicable telemarketing and messaging laws, including the TCPA, state consent laws, and carrier requirements — including obtaining consent before contacting a client or prospect and honoring opt-out requests.

8. Intellectual Property

The Service, including its design, features, and software, is owned by AscendHub LLC and protected by intellectual property laws. You may not copy, modify, or distribute the Service without our prior written consent.

9. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that the Service will be uninterrupted, error-free, or secure. AI-generated content may be inaccurate or incomplete — you are responsible for reviewing and verifying any content before sharing it with clients or prospects.

10. Limitation of Liability

To the maximum extent permitted by law, AscendHub LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of the Service. Our total liability for any claim shall not exceed the amount you paid in the 12 months preceding the claim.

11. Termination

You may submit an account deletion request from Profile and see its status there. A pending request does not remove your platform login, delete all stored files, or cancel your subscription. Identity removal, agency ownership, billing, backups and required retention need review before completion can be confirmed. Shared agency records are not automatically deleted when a member leaves. We do not promise a fixed deletion deadline or complete erasure from all systems. Administrators may configure supported operational-record retention rules; those are separate from an account deletion request. We may suspend or terminate access for misuse of the Service.

12. Changes to These Terms

We may update these Terms by posting a new version and changing the last-updated date. When the required document version changes, accounts without a corresponding acceptance record must review and accept it before entering the app or starting checkout.

13. Governing Law

These Terms are governed by the laws of the United States and the state in which AscendHub LLC is registered, without regard to conflict of law principles. Any disputes shall be resolved in the courts of competent jurisdiction.

14. Contact

If you have questions about these Terms, please reach out through the Support agent available in the app or contact AscendHub LLC.