Legal Documents

Terms of Service

Last Updated: January 28, 2026

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 exclusively 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 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
• A general-purpose data lookup service
• A tool for any purpose outside of legitimate insurance business activities

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.

3. License Verification and Regulatory Alignment

Access to Qlearscape is restricted exclusively to individuals who hold a valid, active insurance license issued by their state's Department of Insurance, Office of the Insurance Commissioner, or equivalent regulatory authority.

As a condition of access, you agree to:

• Provide your valid state insurance license number upon registration
• Maintain an active, valid license for the duration of your use of the Service
• Use the Service only in accordance with the rules, regulations, and ethical obligations imposed by your licensing authority
• Immediately notify Qlearscape if your license is suspended, revoked, or otherwise becomes inactive

Qlearscape operates in full compliance with applicable federal and state laws. The regulatory framework governing your license was established by your state's insurance regulatory authority. Those rules existed before Qlearscape, and Qlearscape honors and supports those established guardrails. Your use of this Service does not create any new permissions beyond what your license already authorizes.

4. DPPA Compliance and Permissible Purpose

Certain data accessible through Qlearscape is protected under the Driver's Privacy Protection Act (DPPA), 18 U.S.C. § 2721 et seq., and equivalent state privacy laws. Access to such data is restricted to users with a permissible purpose as defined under applicable law.

By using Qlearscape, you acknowledge and certify that:

• You have a permissible purpose under the DPPA to access motor vehicle and driver information
• Your permissible purpose is limited to use in connection with insurance underwriting, rating, claims investigation, or antifraud activities
• You will not access, use, or disclose DPPA-protected information for any purpose not authorized by law
• You understand that unauthorized access to or misuse of DPPA-protected information may result in civil and criminal penalties

5. Prohibited Uses

Qlearscape is a professional tool created for a specific purpose: to support licensed insurance professionals in serving their customers. You expressly agree NOT to use Qlearscape or any data accessed through the Service for any purpose other than legitimate insurance business activities.

Without limitation, you agree NOT to:

• Access data for any personal, non-business purpose
• Access data concerning any individual with whom you do not have a legitimate insurance business relationship
• Use data to locate, identify, surveil, monitor, or track any individual for purposes unrelated to an insurance transaction
• Compile, publish, disseminate, or disclose any individual's personal information for purposes unrelated to insurance services
• Use data to harass, threaten, intimidate, stalk, or harm any individual
• Share, redistribute, resell, sublicense, or transfer data to any unauthorized third party
• Access data on behalf of any person or entity that is not a licensed insurance professional
• Violate any federal, state, or local law, including privacy and data protection regulations
• Discriminate against any individual on the basis of race, color, religion, sex, national origin, disability, age, or any other protected class
• Scrape, mine, extract, or attempt to reverse-engineer the Service or its underlying data sources
• Bypass, disable, or interfere with security features or access controls
• Misrepresent your identity, license status, or permissible purpose

6. 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.

7. Regulatory Cooperation

Qlearscape maintains comprehensive audit logs of all user activity on the platform. These records are maintained to ensure compliance, support regulatory oversight, and protect the integrity of the Service.

Qlearscape reserves the right to:

• Audit user queries, data access patterns, and account activity
• Suspend or terminate accounts that violate these Terms or applicable law
• Report suspected violations to appropriate regulatory authorities, including state Departments of Insurance and law enforcement agencies
• Cooperate fully with government investigations, regulatory inquiries, and legal proceedings
• Provide audit logs, access records, and user information in response to lawful requests from regulatory or law enforcement authorities

8. Limitation of Liability

To the maximum extent permitted by law, Qlearscape and its affiliates, officers, employees, agents, 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.

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

• Your 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
• Your failure to verify information with customers or carriers prior to binding
• Your use of the Service for any purpose other than legitimate insurance business activities
• Any action taken against you by regulatory authorities, law enforcement, or third parties as a result of your misuse of the Service

9. Indemnification

You agree to indemnify, defend, and hold harmless Qlearscape and its affiliates, officers, employees, agents, and partners from any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of the terms of your insurance license
• Your violation of any third-party rights
• Any claim that your use of data obtained through the Service caused harm to any individual or entity

10. Termination

Qlearscape reserves the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms, suspected misuse of data, or loss of your insurance license. Upon termination, your right to use the Service will immediately cease.

11. 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. We encourage you to review these Terms periodically.

12. 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 state or federal courts located in Texas, and you consent to the exclusive jurisdiction of such courts.

13. Contact Information

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

Privacy Policy

Last Updated: January 28, 2026

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
• State insurance license number and licensing jurisdiction
• Professional credentials and certifications
• Agency affiliation and role
• Login credentials (passwords are encrypted and never stored in plain text)

2.2 Usage Data

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

• All 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
• Records of all data viewed or retrieved

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, terms, and legal restrictions of those data providers, including the Driver's Privacy Protection Act (DPPA).

3. How We Use Your Information

We use collected information for the following purposes:

• To provide, maintain, and improve the Qlearscape Service
• To verify your insurance license and eligibility to use the Service
• To authenticate users and prevent unauthorized access
• To monitor compliance with our Terms of Service, applicable laws, and DPPA requirements
• To generate and maintain audit logs for regulatory compliance and cooperation
• To respond to user inquiries and provide customer support
• To detect, prevent, and address technical issues, security threats, or suspected misuse
• To communicate important updates, changes, or security alerts
• To cooperate with regulatory authorities and law enforcement as required by law

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, security, analytics)
• Regulatory Authorities: We will disclose information when required by law, subpoena, court order, or request from a state Department of Insurance, law enforcement agency, or other regulatory body
• Data Source Providers: We may share usage information with our data partners for compliance verification and audit purposes as required by our agreements with those providers
• Legal Proceedings: We may disclose information in connection with legal proceedings, investigations, or to protect our rights
• 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
• Regular security audits and vulnerability assessments
• Role-based access controls and permissions
• Comprehensive audit logging and monitoring
• Secure credential storage with encryption

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.

Upon account termination, we will delete or anonymize your personal information within a reasonable timeframe, except where retention is required for legal, compliance, regulatory, 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 and regulatory retention requirements)
• Data Portability: Request a copy of your data in a machine-readable format

To exercise these rights, please contact us at privacy@qlearscape.com. Note that certain data, including audit logs and compliance records, may not be subject to deletion requests due to legal and regulatory requirements.

8. Cookies and Tracking Technologies

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

9. Children's Privacy

Qlearscape is a professional service intended for use only by licensed insurance professionals. The Service is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, 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: