Effective Date: January 2026

These Platform Terms of Service ("Terms") govern access to and use of the Scout Rate platform, including the operations portal, branded websites, APIs, webhooks, integrations, and related services (collectively, the "Service"). These Terms are between you and Scout Rate ("Scout Rate," "we," "us," or "our"). Our contact information is provided below.

By creating an account, accessing, or using the Service, you agree to these Terms. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" includes that organization.

1. Scope and Definitions

"Organization" means the entity (agency, MGA, carrier, administrator, vendor, or other business) that holds an account.

"Admin" means the user authorized to manage an Organization's settings, users, roles, permissions, and integrations.

"User" means any individual authorized by an Organization to access the Service.

"Customer Content" means files, documents, images, text, data, and other materials uploaded to or transmitted through the Service by you or on your behalf.

"API" means our application programming interfaces, developer keys, tokens, SDKs, and related documentation.

"Integrations" means third-party services connected to the Service (including carrier, partner, payment, identity, or messaging providers).

"End User" means any individual who visits a public website, landing page, or form powered by the Service, including consumers submitting information.

"Consumer" means an End User acting for personal, family, or household purposes.

"Provider" means a licensed insurance agent or agency, or other insurance professional, that uses the Service and may receive End User submissions, offer quotes, issue policies, and service insurance as agent of record.

"Submitted Data" means information an End User submits through a form or workflow powered by the Service, including contact information and details needed to request a quote.

If you are an End User, the sections titled "Consumer and End User Terms" and "Communications Consent" apply to you, and other sections apply where relevant.

These Terms apply to the Service. Additional terms may apply to specific features (for example, beta features or API programs), and those additional terms will be presented when you enable or use those features.

2. Account Registration, Roles, and Admin Responsibility

2.1 Account Eligibility. You must provide accurate account information and keep it current.

2.2 Organization Control. Your Organization's Admin(s) control user access, roles, permissions, saved views, workflow rules, and multi-brand settings. You are responsible for all activity under your Organization's account, including actions of your Users.

2.3 Credentials. You must protect login credentials, API keys, and access tokens. You will promptly notify us of any suspected compromise.

2.4 User-Generated Sites. If you use the Service to publish a branded website or forms, you are responsible for the content you publish and for ensuring it complies with applicable laws and regulations.

2.5 Public Forms and End Users. If you are an End User using a public website or form powered by the Service, you may not be required to create an account. You agree not to misuse the Service, you must provide accurate information, and you acknowledge that your submission may be shared with a Provider for follow up, quoting, and servicing.

3. License to Use the Service

3.1 Limited License. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal business operations and your permitted external workflows (such as customer portals and branded sites) as enabled by your plan.

3.2 Restrictions. You will not, and will not permit others to:

• Copy, modify, or create derivative works of the Service except as allowed by law.
• Reverse engineer, decompile, or attempt to discover source code or underlying models (except where such restriction is prohibited by law).
• Interfere with or disrupt the Service, including bypassing rate limits or access controls.
• Use the Service to build or benchmark a competing product.
• Access the Service to scrape, harvest, or mass-collect data not intended for you.

3.3 Feedback. If you provide suggestions or feedback, you grant us the right to use it without restriction or compensation.

4. Customer Content, Hosting, and Data Rights

4.1 Your Ownership. As between you andScout Rate, you retain ownership of Customer Content.

4.2 License to Operate. You grant Scout Rate a worldwide, non-exclusive license to host, store, back up, process, transmit, display, and otherwise use Customer Content solely to provide, secure, and improve the Service, to comply with law, and to enforce these Terms.

4.3 Cloud Storage and Processing. Customer Content may be stored or processed on cloud infrastructure (e.g., Amazon S3 or similar services). You acknowledge that storage, transmission, and processing of data are integral to providing the Service.

4.4 Your Responsibilities. You represent and warrant that:

• You have all rights necessary to upload and use Customer Content with the Service.
• Your Customer Content and use of the Service comply with all applicable laws and regulations (including privacy and data protection requirements).
• You have provided any required notices and obtained any required consents from End Users, customers, or third parties regarding Customer Content and Submitted Data, including consent to be contacted where required by law.

4.5 Removal. We may remove or restrict access to any Customer Content if we reasonably believe it violates these Terms, is unlawful, or poses a security or operational risk.

4.6 Retention and Deletion. We may retain logs and backups of Customer Content for a limited period as part of our operations. When you delete Customer Content, it may persist in backups for a reasonable time but will not be available in the live environment.

4.7 End User Submissions and Sharing with Providers. If an End User submits Submitted Data through a website, form, or workflow powered by the Service, you authorize Scout Rate to process that Submitted Data and share it with the applicable Organization and its designated Provider(s) for the purpose of contacting the End User, providing quotes, issuing and servicing policies, preventing fraud, and operating the Service. Providers and Organizations are responsible for how they use Submitted Data, and may be subject to their own privacy practices and legal obligations.

5. Payments and Stripe Connected Accounts

5.1 Platform Role (Not Merchant-of-Record). Scout Rate provides software as a platform. You (notScout Rate) are the merchant of record for any payments you accept from your customers through your connected payment account.

5.2 Stripe (or Other Processor). If you connect a Stripe account or another payment processor to the Service:

• Your relationship with that processor is governed by your agreement with the processor, not by these Terms.
• Scout Rate is not responsible for processor outages, holds, reversals, disputes, chargebacks, or fees.
• You are responsible for using the processor in compliance with its terms and all applicable payment-related laws and regulations.

5.3 Taxes, Refunds, Chargebacks. You are responsible for setting your pricing and policies for your end customers, including handling of any taxes, refunds, cancellations, disputes, or chargebacks related to transactions with your customers. We may provide tools to assist with calculations or processing, but you control the commercial terms between you and your customers.

5.4 Payment Feature Suspension. We may suspend or disable payment-related features of the Service if we reasonably believe there is fraud, abuse, an elevated chargeback risk, a sanctions/legal risk, or a violation of processor compliance rules associated with your account.

5.5 Platform Fees. Scout Rate may charge Organizations subscription fees or usage-based fees for access to the Service. Scout Rate does not collect insurance premiums from End Users. Any payments End Users make for insurance products are processed by the Provider or Organization through their connected payment processor account, and the Provider or Organization is the merchant of record for those transactions.

6. Integrations and Third-Party Services

6.1 Third-Party Terms. Integrations with third-party services are provided for your convenience. Third-party services (such as carriers, identity providers, or other partners) may have their own terms of service, privacy policies, and compliance requirements. Your use of third-party services is governed by your agreements with those third parties.

6.2 No Responsibility for Third Parties. We do not warrant or assume responsibility for third-party systems or services, including Providers, carriers, MGAs, vendors, or partners. This includes the accuracy of third-party data, the availability or uptime of third-party services, or any acts or omissions of third-party providers (such as carriers, MGAs, vendors, or partners).

6.3 Authorization. By enabling an integration or connecting a third-party service to our Service, you authorize Scout Rate to exchange data with the third party as necessary to operate the integration on your behalf.

7. API and Webhooks

7.1 Access; Invite-Only. Access to our API may be invite-only, limited, or subject to approval. We reserve the right to change API availability, features, or eligibility criteria over time.

7.2 API License & Acceptable Use. We grant you a limited, revocable license to use the API for your internal operations or for building authorized integrations or workflows with the Service. You will not:

• Share or resell API keys, tokens, or access credentials to any unauthorized party.
• Circumvent or disable any rate limits or access controls on the API.
• Use the API for scraping data, credential stuffing, or security testing without our prior written permission.
• Use the API to transmit malware, unlawful content, or to abuse the Service.

7.3 Rate Limits and Changes. The API may have usage limits and policies. We may modify or deprecate API endpoints or features; where practical, we will provide advance notice (for example, via developer updates), but we are not obligated to maintain any particular API functionality.

7.4 API Security. You are responsible for securing your API credentials. If an API key or token is compromised, you must rotate or disable it and notify us promptly of any suspected misuse.

7.5 Webhooks. Webhooks are provided on a best-effort basis. Delivery of webhook notifications is not guaranteed. You are responsible for handling incoming webhooks (e.g., by verifying any provided signatures, implementing retry logic, and ensuring idempotency as needed).

8. Acceptable Use and Prohibited Content

You agree not to use the Service to:

• Violate any applicable laws or regulations (including export control or sanctions laws).
• Infringe or misappropriate the intellectual property or privacy rights of others.
• Upload or transmit any viruses, malware, spyware, or other malicious code, or to conduct penetration testing or vulnerability scanning without authorization.
• Harass, threaten, or defraud others, or to engage in any harmful, fraudulent, or illegal activities.
• Store or transmit highly sensitive regulated data (e.g. health information subject to HIPAA, or other sensitive personal data) unless we have explicitly agreed in writing to support such data protection requirements.

We may suspend or terminate your access to the Service for any actual or suspected violation of the above or if your use poses a security or legal risk.

9. Audit Logs, Monitoring, and Notifications

9.1 Audit Visibility. The Service may provide certain audit logging or activity tracking features (for example, logging who accessed records, uploaded documents, changed settings, etc.). You acknowledge and consent that Scout Rate may collect and display such audit logs to authorized users (e.g., Admins) for operational security and account administration purposes.

9.2 Monitoring. We may monitor use of the Service to maintain performance and security, prevent abuse, and improve the Service. This monitoring may include automated tools that detect misuse or violations of these Terms.

9.3 Notifications. The Service may send you status updates or notifications via various channels (for example, in-app alerts, email, SMS, or push notifications) depending on your configuration and preferences. We will try to deliver important notifications, but delivery is not guaranteed and you are responsible for monitoring your account for critical alerts.

10. No Insurance Services, No Advice, and Disclaimers

10.1 No Insurance Services. Scout Rateis a software platform provider. We are not an insurance company, insurer, agency, brokerage, producer, adjuster, or underwriter. We do not sell, solicit, quote, bind, or negotiate insurance products, and we do not make underwriting decisions.

10.1A Platform Only, Provider as Agent of Record. End Users understand that insurance quotes and policies, if any, are offered, issued, and serviced by Providers who act as agent of record. Coverages are subject to underwriting approval, availability, and eligibility. Scout Rate does not guarantee that an End User will receive a quote, a policy, or any particular coverage terms or price.

10.1B No Duty to Procure Insurance. Scout Rate has no duty to procure insurance for any End User, no duty to present all markets, and no responsibility for Provider advice, conduct, licensing, errors or omissions, policy servicing, claims handling, or coverage determinations.

10.1C Providers Are Independent. Providers are independent third parties, not employees, agents, joint venturers, or representatives of Scout Rate. Scout Rate does not supervise, direct, or control Providers.

10.2 No Professional Advice. The Service may include workflows, templates, automations, and tools (including user-configured "get a quote" workflows, document templates, or other business process tools). These features are for informational and operational purposes only. Scout Rate does not provide legal, tax, compliance, financial, or insurance advice. You are solely responsible for your compliance obligations and business decisions made while using the Service.

10.3 Disclaimers. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not guarantee that the Service will be uninterrupted, error-free, or completely secure. You assume all risks associated with using the Service.

11. Suspension, Termination, and Effect of Termination

11.1 Suspension by Us. We may suspend your access to the Service (in whole or in part) immediately and without prior notice if we reasonably believe that:

• There is a security incident or compromise of your account credentials.
• Your account is involved in fraud, abuse, or unlawful use of the Service.
• You have breached these Terms in a material way or repeatedly violated them.
• Continued access to the Service by you presents risk of harm to the Service, other customers, or third parties.

11.2 Termination by You. You may stop using the Service and terminate your account at any time. If you are on a paid subscription plan, any cancellation may be subject to the subscription terms you agreed to (for example, you may remain responsible for charges through the end of a billing period or commitment term).

11.3 Termination by Us. We may terminate your access to the Service or cancel your account for cause if you materially breach these Terms or frequently violate them, if you fail to pay any applicable fees when due, or if we are required to do so for legal compliance reasons (e.g., if providing the Service to you becomes unlawful).

11.4 Post-Termination. Upon any termination or expiration of your account, your right to access and use the Service will cease. We may provide you a brief period to retrieve or export your data (if such retrieval is allowed under your plan and the termination circumstances), but we are not obligated to retain your Customer Content beyond what is required by law. Sections of these Terms that by their nature should survive termination (for example, provisions on liability, indemnity, confidentiality, and dispute resolution) will continue to apply.

12. Limitation of Liability and Governing Law

12.1 Limitation of Liability. To the maximum extent permitted by law, in no event will Scout Rate be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or related to your use of (or inability to use) the Service. In no event willScout Rate's total cumulative liability for all claims arising from or related to the Service exceed the amount you paid to Scout Rate for the Service in the twelve (12) months immediately preceding the event giving rise to the claim (or $100 if you paid nothing for the Service). Some jurisdictions do not allow certain liability limitations, so certain limitations above may not apply to you to the extent prohibited by law.

12.2 Governing Law. These Terms are governed by the laws of the State of California, U.S.A., without regard to its conflict of laws principles. The dispute resolution mechanisms set forth in Section 20 will apply to any disputes arising under these Terms.

12.3 Changes to Terms. We may update or modify these Terms from time to time. If we make material changes, we will provide you with notice by appropriate means (for example, by posting an update through the Service or via email). Your continued use of the Service after the effective date of updated Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service before the changes take effect.

12.4 Contact Information. You may contactScout Rate with questions or notices as follows:

13. Indemnification

You agree to indemnify, defend, and hold harmless Scout RateCanopy and its affiliates, and each of their respective officers, directors, employees, and agents (the "Indemnified Parties"), from and against any and all third-party claims, demands, suits, or proceedings, and all related liabilities, losses, damages, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• (a) Customer Content you provide or use with the Service (including any claim that Customer Content infringes or misappropriates a third party's rights or violates law);
• (b) Your end users' use of the Service or any data or content provided by your end users;
• (c) Your use of payment processing services (such as Stripe) in connection with the Service, including any disputes, chargebacks, or regulatory issues related to payments you process;
• (d) Your published websites, forms, or communications using the Service (including claims related to the content or functionality of any site or form you create via the Service); and
• (d.1) any communications, marketing, advertising, or outreach you send to End Users or customers, including claims alleging lack of consent, improper disclosures, or violations of texting, calling, or email laws;
• (e) Your breach of these Terms or failure to comply with any applicable laws or regulations in your use of the Service (including, without limitation, any compliance obligations described in Section 19).

This indemnification clause shifts the risk of certain legal claims from Scout Rate to you as the user. We will promptly notify you of any claim for which we seek indemnification and will reasonably cooperate (at your expense) with your defense of the claim. You will have the right to control the defense and settlement of any such claim, provided that you shall not settle any claim in a manner that imposes any liability or admission of fault on any Indemnified Party without our prior written consent.Scout Rate reserves the right, at its option, to participate in the defense of any claim with its own counsel at its own expense.

14. Confidentiality

14.1 Definition of Confidential Information. "Confidential Information" means any non-public information disclosed by one party ("Disclosing Party") to the other ("Receiving Party") that is designated as confidential or that, given the nature of the information or the circumstances surrounding its disclosure, should reasonably be understood to be confidential. Confidential Information includes, without limitation, business plans, technical data, product roadmaps, software (including the Service's software and documentation), customer lists, personal data, trade secrets, and any other information that is not generally known to the public. For clarity, Customer Content that you upload is your Confidential Information (except to the extent it falls under an exclusion below), and the Service (including software, source code, algorithms, and documentation) and any non-public information aboutScout Rate's business are Scout Rate's Confidential Information.

14.2 Obligations. The Receiving Party will use the Disclosing Party's Confidential Information solely for the purpose of exercising its rights and performing its obligations under these Terms. The Receiving Party will not disclose or make available the Disclosing Party's Confidential Information to any third party, except to its own employees or contractors who need to know the information for the Receiving Party to fulfill its obligations or exercise its rights under these Terms and who are bound by confidentiality obligations at least as protective as those in this Section. The Receiving Party shall protect the Disclosing Party's Confidential Information from unauthorized use or disclosure with the same degree of care it uses to protect its own similar confidential information, and in no event with less than reasonable care.

14.3 Exclusions. Confidential Information does not include any information that the Receiving Party can demonstrate: (i) is or becomes publicly available without breach of any obligation by the Receiving Party (through no wrongful act of the Receiving Party); (ii) was already known to the Receiving Party without confidentiality obligations at the time of disclosure by the Disclosing Party; (iii) is independently developed by the Receiving Party without use of or reference to the Disclosing Party's Confidential Information; or (iv) is obtained by the Receiving Party from a third party who had the legal right to disclose it without confidentiality obligations. In addition, a party will not be in breach of this Section 14 for disclosing Confidential Information as required by law or court order, provided that (unless prohibited by law) the Receiving Party gives prompt notice to the Disclosing Party of the compelled disclosure to allow the Disclosing Party an opportunity to seek a protective order or other appropriate remedy.

14.4 Injunctive Relief. The parties acknowledge that unauthorized use or disclosure of Confidential Information may cause irreparable harm for which monetary damages may be an insufficient remedy. Therefore, the Disclosing Party will have the right to seek immediate injunctive or equitable relief (in addition to any other rights and remedies it may have) in the event of a breach or threatened breach of this Section, without the necessity of posting bond or proving actual damages.

14.5 Duration. The obligations in this Section 14 will commence upon disclosure of Confidential Information and continue for the term of your use of the Service and for a period of at least 3 years after termination of these Terms (or indefinitely, for trade secrets or as long as the information remains confidential, whichever is later).

15. Intellectual Property and Trademarks

15.1 Scout Rate's Intellectual Property. Scout Rate (and its licensors, if applicable) own all right, title, and interest in and to the Service and all associated software, technology, and content provided byScout Rate (excluding Customer Content). This includes all intellectual property rights such as copyrights, trade secrets, patents, database rights, and any improvements or derivatives of the Service. These Terms do not grant you any ownership rights or interests in the Service, inScout Rate's software, or in Scout Rate's trademarks or other brand features. All rights not expressly granted to you in these Terms are reserved byScout Rate.

15.2 Your Content and Marks. As specified in Section 4.1, you retain ownership of your Customer Content. You also retain ownership of all trademarks, service marks, logos, and trade names ("Marks") that you submit to or use with the Service to brand your content or Organization.

15.3 License to Use Your Marks and Content. You grant Scout Rate a limited, worldwide, royalty-free license to use and display your Marks and your Customer Content as necessary to provide the Service to you and your Users. For example, we may display your organization's name or logo on a portal or form hosted as part of the Service, and we may handle, transmit, and store your Customer Content to fulfill the features of the Service. This license extends to our subprocessors or contractors solely for the purpose of operating or improving the Service on our behalf. We will not use your Marks or your content in our marketing materials without your prior consent (aside from identifying you as a customer or user of the Service in accordance with standard industry practice, and subject to any written publicity restrictions you request).

15.4 No Trademark License. Except for the limited use rights above, neither party grants the other any rights to use its trademarks or logos. Any goodwill arising from the use of a party's Marks inures to the benefit of the owning party. You will not remove or obscure any copyright, trademark, or proprietary rights notices on the Service or any materials provided by Scout Rate.

16. Subscription and Payment Terms

16.1 Subscription Plans. The Service is offered on a subscription basis, which may be monthly, quarterly, or annual (or other period specified in an order or plan selection). When you enroll, you agree to pay the subscription fees applicable to the plan and term you select. Subscription pricing, billing cycles, and accepted payment methods are specified at the time of purchase or in an ordering document.

16.2 Automatic Renewal. Unless otherwise stated, subscriptions will automatically renew at the end of each subscription term for an additional term of the same length (e.g., a monthly plan will renew for another month, an annual plan for another year). We will charge your payment method on file at the renewal date for the applicable renewal term's fees. If we materially change the subscription price or terms, we will provide advance notice to you (e.g., by email or via the Service) before the renewal takes effect. If you do not want your subscription to renew, you must cancel it before the renewal date in accordance with Section 16.3.

16.3 Cancellation and Downgrades. You may cancel your subscription or downgrade to a different plan by following the procedures outlined in the Service or contacting us in writing. Cancellations will take effect at the end of the then-current billing period (unless otherwise specified in an order form or agreement). We do not provide refunds or credits for any prepaid fees or unused portion of the Service except where required by law. This means that if you cancel in the middle of a period, you will retain access to the Service until the end of the period you paid for, but you will not receive a refund for that period. If required by applicable law to offer a refund (for example, certain jurisdictions might mandate refunds for long-term prepayments under specific conditions), we will comply with those legal requirements.

16.4 Fees and Payment. You agree to pay all fees due for your subscription plan, as well as any applicable one-time charges (e.g. for add-on services or overage fees if specified). Fees are typically charged in advance per billing cycle. If you are paying by credit card or an online payment method, you authorize us to charge your card or account for the initial term and each renewal term. If you are invoiced, payment is due within the time period stated on the invoice (if not stated, due net 30 days). All fees are exclusive of taxes and duties (see Section 16.5 on taxes). You must provide complete and accurate billing and contact information and notify us of any updates.

16.5 Taxes. Fees are exclusive of any taxes, levies, or duties imposed by taxing authorities. You are responsible for all applicable taxes (e.g., sales, use, GST, VAT) that are legally owed as a result of your purchase or use of the Service, except for taxes onScout Rate's income. If Scout Rate has a legal obligation to collect taxes for which you are responsible, we will add those taxes to your charges and you agree to pay them, unless you provide us with a valid tax exemption certificate authorized by the appropriate taxing authority.

16.6 Late Payments. If you fail to pay fees when due, we reserve the right to charge you a late fee and/or interest on the overdue amount. Specifically, we may charge interest at the rate of 1.5% per month (or the maximum rate permitted by law, if lower) on any outstanding balance from the date due until the date paid. You will be responsible for any costs of collection (such as reasonable attorneys' fees and associated costs) incurred in pursuing payment of overdue amounts.

16.7 Suspension for Nonpayment. If any fees are 30 days or more overdue (and you have not disputed the charges in good faith), Scout Rate may suspend your account or your access to the Service after providing you with notice of the delinquency (e.g., by email to the contact on your account). We will not suspend service while you are disputing charges reasonably and in good faith and are cooperating diligently to resolve the dispute. If your Service is suspended for nonpayment, we may charge a reactivation fee to restore it.

16.8 No Waiver of Fees. The failure ofScout Rate to enforce any fee payment provision or to suspend/terminate the Service immediately upon nonpayment shall not be construed as a waiver of our right to do so later. You are obligated to pay all amounts accruing or accrued even during any period of suspension or if you continue to use the Service.

17. Service Changes, Beta Features, and Support

17.1 Service Changes. Scout Ratereserves the right to modify, update, or discontinue the Service (or any portion or feature of it) at any time. We continually improve the Service and may add or remove functionalities or features. If we discontinue a core feature of the Service in its entirety, we will endeavor to provide you advance notice and, when possible, an alternative solution. However, we have no obligation to continue providing any particular feature or integration and shall not be liable for any modification or suspension of features.

17.2 Beta and Trial Features. From time to time, we may offer access to Beta features or services (including features labeled as beta, trial, preview, early access, or by similar terms). Beta features are experimental and are provided on an "as is" basis for evaluation only, without any warranty or support obligations on our part. We may enable certain Beta features for your account by default to gather usage data and feedback; you can choose to disable or not use them if you prefer. Beta features may be unstable, changed, or discontinued at any time without notice. You acknowledge that you should not rely on Beta features in production or mission-critical environments, and any use of Beta features is at your sole risk. We will not be liable for any damages or harm arising out of or related to Beta features.

17.3 Support Levels. Scout Rateprovides customer support for the Service, but the scope and channels of support may vary based on your subscription plan. All paying customers have access to a base level of support (such as email or a support ticket system, with responses during our business hours). Premium support, such as priority response, phone support, or live chat, may be available only for higher-tier plans or enterprise customers. We strive to respond to support inquiries promptly, but response times are not guaranteed unless explicitly stated in a separate support SLA or your plan details. Support will generally include assistance with using the Service and troubleshooting issues, but it does not include custom development or in-depth consulting unless agreed separately. We will not be responsible for providing support for third-party products or services or for issues caused by third-party systems.

17.4 Support Boundaries. The Service's support is intended to assist with issues and questions related to the Service itself. While we may provide guidance, we do not guarantee support for troubleshooting problems caused by: (i) your equipment, networks, or internet connectivity; (ii) third-party software or integrations not provided by Scout Rate; or (iii) use of the Service in a manner not authorized by these Terms or documentation. Additionally, support does not extend to training end-users or performing business tasks on your behalf beyond the Service's functionality.

18. Security and Data Protection

18.1 Our Security Measures. We are committed to protecting the security of the Service and your data. Scout Rate implements commercially reasonable administrative, technical, and physical security measures designed to safeguard the Service and Customer Content against unauthorized access, loss, or disclosure. Such measures include encryption of data in transit, network safeguards, and regular security assessments, consistent with industry standards for services of our kind. However, you understand that no security measures are perfect; Scout Rate cannot guarantee absolute security and is not liable for breaches of security that are not due to our negligence or willful misconduct.

18.2 Your Security Responsibilities. You are responsible for maintaining the security and confidentiality of your account credentials (usernames, passwords, API keys, etc.) and for any actions taken using your accounts. You will use reasonable efforts to prevent any unauthorized access to or use of the Service under your account. You agree to immediately notify Scout Rateif you discover or suspect any security incident or breach relating to the Service, including any unauthorized access or use of your account or any theft or loss of credentials. You are also responsible for configuring the Service in a secure manner (including using available security settings and access controls) and for maintaining the security of any systems or devices that you use to access the Service.

18.3 Security Incidents and Breach Notification. In the event that Scout Rate becomes aware of a security breach leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, Customer Content or personal data on our systems (a "Data Breach"), we will notify you without undue delay and in accordance with applicable law. Such notification will describe, to the best of our knowledge, the nature of the Data Breach, the information compromised, and any steps we are taking to mitigate the issue. We will cooperate with your reasonable requests for further information regarding the Data Breach and assist in required notifications to affected individuals or authorities, as applicable. Likewise, if you become aware of any unauthorized access to the Service or your data stored in the Service, you agree to promptly notify us so that we can assist in mitigating the issue.

18.4 Data Privacy and Compliance. We maintain a separate Privacy Policy which describes how we handle personal data within the Service. You agree that you will use the Service in compliance with all applicable privacy laws (such as the California Consumer Privacy Act, to the extent applicable, and other data protection regulations). We will provide the Service in accordance with our Privacy Policy and any applicable data processing agreement (if one is in place with you).

19. Customer's Compliance Responsibilities

You are solely responsible for understanding and complying with all laws and regulations that are applicable to your business and your use of the Service. Scout Rate is a flexible platform, and while we provide features to assist your workflows, we do not assume responsibility for your legal or regulatory compliance (as noted in Section 10.2). Without limiting the foregoing, you are responsible for compliance with laws and standards relating to:

Communications Consent and Lead Contact. If you are an End User, by submitting your information through the Service you consent to be contacted by the applicable Organization and its Provider(s) at the phone number, email, or other contact method you provide, including by call, text message, and email, for the purpose of responding to your request, providing quotes, and servicing insurance. Message and data rates may apply. You may revoke consent by following opt-out instructions provided in the communication or by contacting the Provider directly.

Organizations and Providers represent and warrant that they will obtain and maintain all legally required consents and will comply with all marketing, telemarketing, texting, and email laws, including honoring opt-out and do-not-contact requests.

Insurance Licensing and Regulations: If you use the Service for insurance-related operations (e.g., managing policies, quotes, or claims), you must ensure that you and your personnel have and maintain all necessary insurance licenses, appointments, and regulatory approvals required in each jurisdiction where you conduct business. Scout Rate does not validate whether you are legally permitted to engage in insurance transactions; that obligation is entirely yours. You must also comply with insurance laws and regulations such as those regarding underwriting, claims handling, recordkeeping, and consumer protection specific to insurance operations.

Advertising and Marketing Laws: You are responsible for ensuring that any marketing, advertising, or solicitations conducted via the Service (for example, via a branded website or communications sent through the platform) comply with all applicable laws, such as truth-in-advertising laws, insurance advertising regulations, and requirements to include specific disclaimers or licensing information in your materials.

Messaging Consent and Communication Laws: If you use the Service to send communications (emails, text/SMS messages, calls, or other notifications) to end users or customers, you are responsible for obtaining and maintaining any legally required consents from recipients. This includes compliance with the U.S. Telephone Consumer Protection Act (TCPA) for SMS/phone communications, CAN-SPAM Act for commercial emails, and any similar state laws or regulations regarding electronic communications and consumer consent. You must honor opt-out requests and cessation of contact as required by law. We provide the technical means to send messages, but obtaining proper consent and content compliance is your duty.

Records Retention: You are responsible for adhering to any laws or regulatory standards related to the retention of records and data. For example, certain insurance regulations or general business laws may require that you retain copies of applications, communications, or transaction records for a minimum period. While the Service may store data, you are responsible for exporting and archiving your records as needed to meet your legal obligations. Scout Rate does not act as your records custodian for legal compliance purposes and makes no guarantee that use of the Service alone will meet any mandated retention requirements.

General Compliance: In addition to the above, you agree to use the Service in compliance with all other applicable laws and regulations, which may include (depending on your business) consumer protection laws, unfair or deceptive practices laws, financial services regulations, employment and privacy laws, and more. Where a specific regulation or law requires you to implement certain controls or procedures in using a software service (for instance, requiring certain disclosures or customer consent forms), you are responsible for configuring and using the Service in a manner that enables you to fulfill those obligations.

Scout Rate will not be responsible for any violation by you of laws or regulations in your use of the Service. This allocation of compliance responsibility is standard for SaaS services: the provider supplies the tool, but the customer must use it in a law-abiding manner. We strongly encourage you to seek legal counsel familiar with your industry to ensure you meet all requirements.

20. Dispute Resolution (Arbitration and Class Action Waiver)

20.1 Informal Resolution. We value our relationship with you and would prefer to resolve any disputes amicably. Before initiating formal legal action, you agree to try to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") by contacting us at our legal contact email provided in Section 12.4. Similarly, we will contact you at the email address on your account. If we are unable to resolve the Dispute through good-faith negotiation within 30 days, either party may proceed to the dispute resolution processes outlined below.

20.2 Arbitration Agreement. Except for the exceptions specified in Section 20.5 below, you andScout Rate agree that any Dispute (including disputes, claims, or controversies concerning the validity, enforceability, or scope of this arbitration agreement) shall be resolved by binding arbitration on an individual basis, rather than in court. Arbitration is a process in which a neutral arbitrator, instead of a judge or jury, decides the dispute. By agreeing to arbitration, both parties are waiving the right to a trial in court and to have a jury decide the case.

Governing Law for Arbitration; Federal Arbitration Act. The Federal Arbitration Act (9 U.S.C. §§ 1-16) governs the interpretation and enforcement of this Section 20.2. The arbitrator will apply California law to any substantive disputes, consistent with Section 12.2 governing law.

Arbitration Procedures. The arbitration will be administered by the American Arbitration Association (AAA) (or another reputable arbitration provider mutually agreed upon in writing) under its Commercial Arbitration Rules (or Consumer Arbitration Rules if you are an individual using the Service primarily for personal, family, or household purposes, and such rules are applicable). The arbitration will be conducted by a single, neutral arbitrator in English. If AAA is the administrator, AAA's rules are available at www.adr.org. The arbitration hearing shall be conducted in Los Angeles County, California, unless you and Scout Rateagree otherwise or the arbitrator decides that a different location is necessary to avoid undue burden on you. If an in-person hearing is not required, the arbitration may be conducted by telephone, videoconference, and/or document submission as appropriate.

Arbitration Fees. Each party will be responsible for its own attorneys' fees and costs. Payment of filing, administrative, and arbitrator fees will be governed by the AAA's rules. However, if you are an individual consumer and the arbitration is under AAA Consumer Rules, or if applicable law requires, Scout Rate will pay all such fees beyond the amount of the court filing fee you would have incurred to file a lawsuit in court. If the arbitrator finds that either the substance of your claim or the relief sought in your demand was frivolous or brought for an improper purpose, then the arbitrator may award Scout Rate the costs and attorneys' fees reasonably incurred in defending against the claim, to the extent permitted by AAA rules and applicable law.

Authority of Arbitrator. The arbitrator has the exclusive authority to make all procedural and substantive decisions regarding any Dispute, including the determination of whether a Dispute is subject to arbitration (arbitrability). The arbitrator may grant any remedy or relief that would be available in court under law, but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. The arbitrator's award will include the arbitrator's written reasoned opinion and, if permitted by the rules, shall be final and binding on the parties. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

20.3 Class Action and Jury Trial Waiver. You and Scout Rate each agree that all Disputes will be resolved only on an individual basis and not in a class, consolidated, or representative action. You and Scout Rate waive any right to a jury trial or to participate as a class representative or class member in any class or representative proceeding against each other. The arbitrator may not consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief on that party's individual claim. If a court determines that this class action waiver is unenforceable with respect to a particular claim, then that claim (and only that claim) must be severed from the arbitration and may proceed in court, subject to the right of appeal of that court's decision. This class action waiver is a material and essential part of this arbitration agreement.

20.4 Opt-Out Right (Consumers Only). If you are using the Service as an individual consumer (not as a business), you have the right to opt out of the arbitration agreement and class action waiver in this Section 20 within 30 days from the date you first agreed to these Terms (for example, when creating your account). To opt out, you must send an email to info@scoutrate.com or a letter to our contact address in Section 12.4, with a clear statement that you want to opt out of the arbitration agreement. If you opt out of arbitration as allowed in this Section 20.4, then Section 20.2 (Arbitration) and 20.3 (Class Waiver) will not apply to you.

20.5 Exceptions to Arbitration. Notwithstanding the foregoing arbitration agreement, either party may choose to pursue a Dispute in court instead of arbitration in the following limited circumstances: (i) if the Dispute qualifies for resolution in a small claims court of competent jurisdiction (in which case either party can elect to bring the claim in that court); or (ii) for injunctive relief or other equitable relief to stop unauthorized use or abuse of the Service, infringement of intellectual property rights, or a breach of confidentiality obligations (in which case a party may seek such relief in court without posting bond, as noted in Section 14.4). Seeking any of the above exceptions in court shall not be deemed a waiver of the right to arbitrate other issues or claims that are subject to arbitration under this agreement.

20.6 Courts and Venue for Limited Court Actions. In the event that the arbitration provision in Section 20.2 is found not to apply to you or to a particular claim or Dispute (whether due to your opt-out, a court order, or otherwise), or in the event you or we invoke an exception to arbitration as allowed above, then the Dispute (or the excepted claim) must be resolved exclusively in the state or federal courts located in Los Angeles County, California. Both you and Scout Rate consent to venue and personal jurisdiction in Los Angeles County, California for any litigation that may arise out of these Terms or your use of the Service, and you waive any objections to the convenience of this venue.

20.7 Survival of Agreement. This Section 20 (Dispute Resolution) shall survive any termination of these Terms.

21. Miscellaneous Provisions

21.1 Assignment. You may not assign or transfer these Terms or any of your rights or obligations under these Terms, whether by operation of law or otherwise, without our prior written consent. Any attempt by you to transfer or assign the agreement without consent will be null and void. Scout Rate may assign or transfer these Terms (in whole or in part) freely, including to any affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. Subject to the foregoing, these Terms will bind and benefit the parties and their respective successors and permitted assigns.

21.2 Severability. If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the parties, and the remaining provisions of these Terms will remain in full force and effect. If a particular provision is deemed unenforceable, the court or arbitrator may modify that provision to the minimum extent necessary to make it enforceable (if allowed by law), or else sever it, and the rest of the Terms shall continue unaffected.

21.3 Waiver. No failure or delay by either party in exercising any right, power, or remedy under these Terms (including any partial exercise of a right or seeking a single remedy) shall operate as a waiver of that or any other right, power, or remedy. Similarly, any waiver or consent given by a party on one occasion is effective only in that instance and shall not be construed as a bar or waiver of any right on any other occasion.

21.4 Survival. Any provisions of these Terms that by their nature should survive termination or expiration will survive. This includes, without limitation, the provisions on Customer Content license (Section 4.2), disclaimers (Section 10.3), limitation of liability (Section 12.1), indemnification (Section 13), confidentiality (Section 14), intellectual property (Section 15.1), payment obligations accrued (Section 16), dispute resolution (Section 20), and all miscellaneous provisions in this Section 21. The termination of the Service or your account does not relieve you of your obligation to pay any outstanding fees or other amounts owed.

21.5 Force Majeure. Neither Scout Ratenor you will be liable for any failure or delay in performance of an obligation (other than payment obligations) to the extent caused by events beyond a party's reasonable control. Such events include but are not limited to acts of God, natural disasters, strikes, war, acts of terrorism, civil unrest, governmental action, epidemic or pandemic, failure of the internet or telecommunications, power outages, or other force majeure events. The impacted party shall be excused from performance for so long as the force majeure event persists and reasonably prevents performance, provided that the party uses diligent efforts to resume performance as soon as practicable.

21.6 Notices. To You: Scout Rate may provide notices to you under these Terms by email to the email address associated with your account, by a message or notification through the Service (for example, a pop-up or in-app notification), or by other reasonable electronic means. It is your responsibility to keep your account email and contact information current. To Scout Rate: You must provide notices to us in English and in writing via email to info@scoutrate.com and by mail or courier to the address listed in Section 12.4 (Contact Information), or to any other address that we designate in an updated Contact section or by notice to you. Notices will be deemed given (a) if by email, when the email is sent (provided no bounce-back or delivery error is received), or (b) if by physical mail, upon receipt as indicated by carrier records. This Notices section does not apply to routine operational communications (which may be sent through normal support channels) but only to formal legal notices (such as breach notices or indemnification claims).

21.7 Independent Contractors. The relationship between you and Scout Rate is that of independent contractors. Nothing in these Terms shall be construed to create a partnership, franchise, joint venture, fiduciary, agency, or employment relationship between the parties. Neither party has the authority to bind or act on behalf of the other in any manner, and neither will represent otherwise. You and we each remain solely responsible for our respective expenses, profits, and taxes arising from the performance of these Terms.

21.8 Entire Agreement. These Terms (including any additional terms or policies incorporated by reference or expressly agreed between the parties, such as a Privacy Policy, Data Processing Addendum, or Order Form with commercial terms) constitute the entire agreement between you and Scout Rate with respect to the Service, and supersede all prior and contemporaneous agreements, proposals, or representations, whether written or oral, concerning the subject matter of these Terms. Each party acknowledges that in entering into these Terms, it has not relied upon any representation, warranty, or statement not expressly set forth herein. No oral or written information or advice given by either party, or by that party's employees or agents, will create any obligations or warranty on behalf of that party unless expressly included in these Terms. Any terms or conditions in a purchase order or other ordering document (apart from an Order Form provided by Scout Rate) that you submit are void and have no effect, regardless of whether Scout Rate has accepted or signed that document.

21.9 Order of Precedence. To the extent you have entered into a separate written agreement withScout Rate signed by both parties (for example, a Master Subscription Agreement or negotiated Enterprise contract), and there is a conflict between the terms of that signed agreement and these online Terms, the terms of the signed agreement will prevail to the extent of the conflict. Similarly, if there is a conflict between these Terms and any addendum or exhibit expressly incorporated (such as a Business Associate Agreement for HIPAA, if applicable, or a Service Level Agreement), the addendum will control for that specific subject matter. However, for clarity, mere reference to another document or policy (like our Privacy Policy) means that those terms apply in addition to these Terms and do not override these Terms unless expressly stated.

21.10 Export Compliance. The Service, and any software or technology that we provide as part of the Service, may be subject to United States export control and economic sanctions laws. You represent and warrant that: (i) you are not located in, under the control of, or a national or resident of any country that is subject to U.S. trade sanctions or comprehensive embargo (including, for example, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine, as of the Effective Date), and you will not use the Service in any such prohibited destination; (ii) neither you nor any person given access to the Service is identified on any U.S. government restricted-party list (such as the Specially Designated Nationals list or Denied Persons List); and (iii) you will not permit the Service to be used for any purpose prohibited by U.S. export laws, including for the development, design, manufacture, or production of nuclear, missile, or chemical or biological weapons. You agree to comply with all applicable export and import control laws in your use of the Service, and, in particular, you shall not export or re-export the Service or any software to individuals or entities prohibited by such laws.

By using the Scout Rate Service, you acknowledge that you have read and understood these Terms, and you agree to be bound by them. These Terms contain important provisions that affect your rights and obligations, including indemnification (shifting certain risks to you), limitations of liability, an arbitration agreement and class action waiver (which impacts how disputes are resolved), and other protective clauses typical for SaaS agreements designed to safeguard our platform and business. If you have any questions about these Terms, please contact us at the address provided above.