Legal Documents

Terms of Service

Last Updated: December 15, 2025

1. Acceptance of Terms

By accessing and using QlearScape ("the Service"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this Service.

2. Description of Service

QlearScape is a lead intelligence platform designed for licensed insurance professionals. The Service provides access to aggregated data from multiple sources, including but not limited to driver's license records, vehicle registration information, property records, and other publicly available and licensed data sources.

QlearScape is a pre-quote data orchestration and lead intelligence tool. The Service is intended to assist insurance professionals in preparing for customer interactions and streamlining the quoting process.

QlearScape is NOT:

• An underwriting platform or binding authority
• A substitute for carrier underwriting verification
• A regulatory or audit compliance tool
• A replacement for direct customer verification

All data provided through QlearScape is for informational purposes only. Users are solely responsible for independently verifying all information with the customer and the applicable insurance carrier prior to quoting, binding, or issuing any policy. QlearScape does not guarantee that data is current, complete, or suitable for underwriting decisions.

By using the Service, you acknowledge and agree that any decisions made based on QlearScape data are your sole responsibility. QlearScape shall not be held liable for any claims, losses, or damages arising from reliance on data provided through the Service without independent verification.

3. User Eligibility and Authorization

Use of QlearScape is restricted to:

• Licensed insurance agents, brokers, and agency personnel
• Individuals with legitimate business purposes under applicable law
• Users who have been granted authorized access by their agency administrator

You certify that you are legally authorized to access the type of information provided through the Service and that you will use such information only for lawful purposes consistent with your professional obligations.

4. Prohibited Uses

You expressly agree NOT to use QlearScape or any data accessed through the Service to:

• Violate any federal, state, or local laws, including privacy and data protection regulations
• Discriminate against any individual on the basis of race, color, religion, sex, national origin, disability, or any other protected class
• Harass, stalk, or commit identity theft
• Share, redistribute, resell, or sublicense data to unauthorized third parties
• Scrape, mine, or attempt to reverse-engineer the Service or its underlying data sources
• Access data for personal, non-business purposes
• Bypass, disable, or interfere with security features or access controls

5. Data Accuracy and Disclaimer

While QlearScape endeavors to provide accurate and up-to-date information, we do not warrant or guarantee the completeness, accuracy, or timeliness of any data provided through the Service. Data is aggregated from third-party sources, and QlearScape is not responsible for errors, omissions, or delays in such data.

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

YOU ACKNOWLEDGE THAT IT IS YOUR RESPONSIBILITY TO VERIFY ALL DATA WITH THE CUSTOMER AND APPLICABLE CARRIER BEFORE MAKING ANY BINDING DECISIONS.

6. Audit and Compliance

All user activity on QlearScape is logged and monitored for compliance purposes. QlearScape reserves the right to:

• Audit user queries and data access patterns
• Suspend or terminate accounts that violate these Terms
• Report suspected illegal activity to law enforcement and regulatory authorities
• Cooperate with government investigations and legal proceedings

7. Limitation of Liability

To the maximum extent permitted by law, QlearScape and its affiliates, officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service, including but not limited to damages for loss of profits, data, or business opportunities.

QlearScape shall not be liable for any claims, damages, or losses arising from:

• Reliance on data provided through the Service without independent verification
• Binding or underwriting decisions made based on QlearScape data
• Errors, omissions, or inaccuracies in third-party data sources
• Failure to verify information with customers or carriers prior to binding

8. Indemnification

You agree to indemnify, defend, and hold harmless QlearScape and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

This indemnification specifically includes, but is not limited to, any claims arising from your reliance on QlearScape data without proper verification, and any binding or underwriting decisions made using information obtained through the Service.

9. Termination

QlearScape reserves the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.

10. Modifications to Terms

QlearScape reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

11. Governing Law

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 the Service shall be resolved in the courts of Texas.

12. Contact Information

For questions or concerns regarding these Terms of Service, please contact:

QlearScape Support
Email: support@qlearscape.com

Privacy Policy

Last Updated: December 15, 2025

1. Introduction

QlearScape ("we," "us," or "our") is committed to protecting the privacy and security of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our lead intelligence platform.

2. Information We Collect

2.1 User Account Information

When you register for QlearScape, we collect:

• Name, email address, and contact information
• Professional credentials and license information
• Agency affiliation and role
• Login credentials (passwords are encrypted)

2.2 Usage Data

We automatically collect information about your use of the Service, including:

• Search queries and data access requests
• IP addresses and device information
• Browser type and operating system
• Timestamps and session duration
• Features accessed and actions taken within the platform

2.3 Third-Party Data

QlearScape aggregates data from licensed third-party sources, including driver's license records, vehicle registrations, property records, and other authorized databases. This data is subject to the privacy policies and terms of those data providers.

3. How We Use Your Information

We use collected information for the following purposes:

• To provide, maintain, and improve the QlearScape Service
• To authenticate users and prevent unauthorized access
• To monitor compliance with our Terms of Service and applicable laws
• To generate audit logs and usage reports for regulatory compliance
• To respond to user inquiries and provide customer support
• To detect, prevent, and address technical issues or security threats
• To communicate important updates, changes, or security alerts

4. Data Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share information in the following circumstances:

• With Your Agency: Usage data may be shared with your agency administrator for compliance and oversight purposes
• Service Providers: We may share data with trusted third-party vendors who assist in operating the Service (e.g., hosting, analytics, security)
• Legal Compliance: We may disclose information when required by law, court order, or government investigation
• Data Source Providers: We share aggregated, anonymized usage data with our data partners for quality assurance and compliance reporting
• Business Transfers: In the event of a merger, acquisition, or sale of assets, user data may be transferred to the acquiring entity

5. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Multi-factor authentication options
• Regular security audits and vulnerability assessments
• Access controls and role-based permissions
• Comprehensive audit logging and monitoring

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your account information and usage data for as long as your account is active or as needed to provide the Service. Audit logs and compliance records may be retained for extended periods as required by law or regulatory obligations.

Upon account termination, we will delete or anonymize your personal information within a reasonable timeframe, except where retention is required for legal, compliance, or audit purposes.

7. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Data Portability: Request a copy of your data in a machine-readable format
• Opt-Out: Opt out of certain data processing activities (where applicable)

To exercise these rights, please contact us at privacy@qlearscape.com.

8. Cookies and Tracking Technologies

QlearScape uses cookies and similar tracking technologies to enhance user experience, analyze usage patterns, and maintain session security. You may disable cookies through your browser settings, but this may limit certain features of the Service.

9. Children's Privacy

QlearScape is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal information, we will take steps to delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify users of material changes via email or through a prominent notice on the Service. Your continued use of QlearScape after such changes constitutes acceptance of the updated Privacy Policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact:

QlearScape Privacy Team
Email: privacy@qlearscape.com