These Terms & Conditions (“Terms”) govern access to and use of the IA Near Me platform
(InsuranceAgentsNearMe.com) by all users, including but not limited to insurance companies, MGAs,
aggregators, wholesalers, surplus line brokers, insurance agents, agencies, individual
professionals, consumers, administrators, and any other person or entity that accesses, registers
for, uploads content to, or otherwise uses the platform (collectively, “Users”).
Regardless of user type or role, all Users are subject to the same content responsibility, AI-related
disclaimers, limitations of liability, and indemnification obligations set forth in these Terms.
Any User that uploads any content to our platform retains full responsibility for all content/files —
accuracy, compliance, authorization, and no harmful material. We do not verify or validate anything
uploaded. We disclaim all liability (including to carriers), provide neutral hosting only, and
process deletion requests promptly. Any AI-related processing (handled by a third-party contractor)
carries no liability for IA Near Me — errors or faults rest with the contractor.
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Acceptance and Scope
By claiming, registering, verifying, managing a profile, or uploading/editing content, you
accept these Terms, general Terms of Service, and Privacy Policy. You further represent that
you have authorization to bind yourself or the Company you represent.
Supported types: Insurance Companies (including groups), Managing General Agents (MGAs),
Aggregators, Wholesalers, Surplus Line Brokers (may change with notice).
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Registration, Claiming, and Verification
Free; no paid plans currently. Verification via official email/phone or proof to
[email protected]. Process to claim or verify:
- Companies may claim or register profiles on IA Near Me free of charge.
- Paid plans are not currently offered for Company Accounts.
- Verification may be completed via:
- – The business email or phone number on record; or
- – An authorized representative with verifiable ownership or permission.
- Email verification requires use of an official domain email (e.g.,
[email protected]).
- If the domain does not match our records, a signed authorization letter must be sent to
[email protected] before verification proceeds.
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Once verified and a code is successfully entered, the Company Account becomes active and
editable.
The following are the types of companies supported on IA Near Me:
- Insurance Companies:
- – Insurance Group of Companies (can add other insurance companies under them)
- Managing General Agents (MGAs)
- Aggregators
- Wholesalers
- Surplus Line Brokers
Both 'Insurance Group of Companies' and 'Insurance Companies' are displayed under the same
'Insurance Companies' category on the platform, with differentiation based on their
designated type. This list is subject to change.
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Company Profile Data, Accuracy, and Deletion Requests
- Initial data from public records/sources; no guarantee of accuracy.
- Deletion/Removal Requests: Any Company (including carriers) may request deletion,
removal, or correction of profile data, listings, affiliations, Uploaded Content, or
other information by emailing [email protected] from an official Company domain
email. We acknowledge CPRA-eligible requests within 10 business days and aim to
review/resolve within 45 calendar days (extendable if needed). Verified requests
processed promptly, subject to legal retention requirements.
- False/misleading info may lead to suspension/blocking/deletion/legal action.
- User-Generated Content & Uploads (Including Files)
You (or your representatives, agents, agencies, admins, or affiliated parties) are solely,
exclusively, and fully responsible for all content and files uploaded, posted, edited, or
shared ("Uploaded Content"), including logos, info, locations, FAQs, news, blogs, guides,
documents, media, review responses, and any other materials.
By uploading or permitting Uploads, you represent and warrant that:
- The Uploaded Content is accurate, current, complete, and complies with all carrier
policies, insurance regulations, state/federal laws, and industry standards.
- You (and any uploader) are fully authorized to upload, share, license, and distribute
the Uploaded Content without infringing third-party rights.
- The Uploaded Content contains no malicious, harmful, illegal, defamatory, infringing,
misleading, outdated, or inappropriate material — intentional or unintentional.
You assume all risk and liability for errors, omissions, inaccuracies, non-compliance, or
consequences from Uploaded Content.
IA Near Me provides only neutral hosting and directory services. We do not verify, validate,
review, monitor, edit, endorse, or assume any responsibility for the accuracy, currency,
legality, compliance, safety, or quality of any Uploaded Content.
No carrier, insurance company, or other entity may hold IA Near Me liable for any Uploaded
Content — including claims, actions, damages, or losses — even if uploaded by their
representatives, agents, employees, affiliates, or any party acting on their behalf.
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Disclaimers & Limitation of Liability
- Profiles/features "as is" and "as available" without warranties (express or implied) of
accuracy, availability, fitness, non-infringement, or merchantability.
- No liability for public-sourced data inaccuracies, unauthorized claims, third-party
actions, or any issues from Uploaded Content (including incorrect/misleading/outdated
guides, compliance failures, quoting mistakes, underwriting decisions, operational
errors, losses, claims, or harms).
- Explicitly, zero liability to carriers or others for content uploaded by their
representatives/agents — we disclaim all such claims to the maximum extent permitted by
law.
- AI Processing Disclaimer: Certain backend functions, including AI ingestion, processing,
interpretation, summarization, or knowledge handling related to content or data on the
Platform, are performed by a third-party contractor. IA Near Me does not perform or
control any AI processing. Accordingly:
- Any AI-processing errors, misinterpretations, inaccuracies in ingested
knowledge, hallucinations, incomplete outputs, technical faults, data
corruption, or other AI-related issues shall not be attributed to IA Near Me and
do not create any liability for IA Near Me or Network Business Solutions
Services, Inc.
- The third-party contractor retains sole liability for any such AI-related
technical faults, errors, failures, or consequences.
- Carriers and other third parties are not intended third-party beneficiaries of
these Terms and may not rely on uploaded content or AI outputs.
- IA Near Me owns the platform and product logic. AI ingestion and processing are
handled by third-party contractors, IA Near Me assumes no liability for
third-party contractors, AI or related information.
- Maximum liability of IA Near Me limited to $100 USD (or as required by law).
- AI outputs are informational/workflow-assistive only and do not constitute underwriting
guidance, eligibility determinations, pricing confirmation, or binding authority, and
that users must independently verify with carriers
- We reserve the right to modify, suspend, or discontinue any feature or service at any
time without liability.
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Indemnification
You agree to indemnify, defend, and hold harmless IA Near Me, Network Business Solutions
Services, Inc., affiliates, officers, directors, employees, and agents from any claims,
losses, damages, liabilities, costs, or expenses (including reasonable attorney fees)
arising from or related to:
- Uploaded Content (including inaccuracies, non-compliance, infringement, harm, or
carrier-related claims).
- Unauthorized access/misuse of profile.
- Violations of laws, carrier policies, or third-party rights.
- Breach of these Terms (including representations in Section 4).
- Any attempt to hold IA Near Me liable for AI-related issues handled by the third-party
contractor.
This includes defending against any legal action by a carrier or third party related to
Uploaded Content or AI processing. Indemnification survives termination.
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Available Features for Verified Companies
Manage business info, locations, content, future features (with notice).
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Suspension, Blocking, or Deletion
At discretion for violations: Suspension/blocking (email notice), deletion (profile/data
removed
after 10 days; logs retained). Any administrative review, pausing, suspension, or removal of
uploaded content does not constitute validation, approval, endorsement, or verification, and
does
not create a duty to monitor or police uploaded content
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Data Retention and Privacy
Up to 3 years (or longer if required); see Privacy Policy for rights/details. You understand
and
agree that uploaded documents and files may be analyzed or processed using automated
systems,
including AI, to support platform features.
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Updates to These Terms
Notified via email/Platform; continued use equals acceptance of existing and new terms.
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Governing Law and Dispute Resolution
California law. Binding AAA arbitration (Consumer Rules if applicable) in California. No
class
actions. Exceptions: Injunctive/small claims relief. Prevailing party fees/costs if allowed.
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Contact Us
Email: [email protected]
Phone: +1-833-842-8864
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Payment For Services / Subscriptions
By subscribing to any paid services, features, plans, or add-ons (including but not limited
to
agency plans, enhanced profiles, media/blog access, extra agent seats, or future offerings),
you
authorize IA Near Me (Network Business Solutions Services, Inc.) and our payment processor
to charge
your provided payment method (e.g., credit/debit card via Authorize.Net or similar) for all
applicable fees, taxes, and charges. This includes:
- Subscription Billing and Renewal. Your subscription begins upon successful
processing of the initial payment and renews automatically at the end of each billing
period (monthly or annually, as selected or applicable to your plan) at the then-current
rate unless properly canceled in accordance with these Terms. You are responsible for
maintaining valid, up-to-date payment information in your account.
- Cancellation Timing and Effectiveness. You may cancel your subscription at any
time by submitting a cancellation request through your account settings (e.g.,
Transaction or profile section) or by emailing [email protected] from the registered
email associated with your account. Cancellation requests must be received at least
thirty (30) days before the last day of your current billing period (for monthly plans)
or before the renewal date (for annual plans) to prevent the next automatic renewal
charge. Cancellation becomes effective at the end of the current paid billing period;
access to paid features continues until that date, after which your account/profile
reverts to the applicable free/basic tier (if any). Failure to provide timely notice
results in automatic renewal and no entitlement to refund or credit for the subsequent
period. Cancellation of a primary plan (e.g., Agency Plan) automatically cancels any
associated add-ons (e.g., Extra Agent Seats).
- Refund Policy - Non-Refundable Payments. All payments, including initial setup
fees, monthly/annual subscription fees, add-on charges, and any discounts applied, are
non-refundable once processed. No refunds, credits, or prorated amounts will be issued
for partial billing periods, downgrades, non-use of features, or early cancellation.
This applies even if access is suspended, terminated, or voluntarily canceled
mid-period. Exceptions may apply only if required by applicable law (e.g., certain
statutory cooling-off periods), at our sole discretion.
- No Proration. Plan changes (upgrades, downgrades, or add-on modifications) take
effect at the start of the next billing cycle. No prorated credits, refunds, or
adjustments are provided for mid-period changes, partial use, or unused portions of the
current billing period.
- Suspension or Termination for Non-Payment. If any payment fails, is declined, is
reversed, or is not received in full and on time (including due to expired/insufficient
payment methods), we may, at our discretion and without prior notice: (i) attempt to
re-charge an updated payment method; (ii) suspend access to paid features (reverting
your profile/account to free/basic status); or (iii) terminate your account entirely.
You remain liable for all outstanding amounts, including any failed payment fees or
collection costs. Reinstatement may require payment of all arrears plus a reinstatement
fee (if applicable).
- Price Changes and Modification Rights. We reserve the right to modify
subscription pricing, plan features, billing periods, or introduce new fees at any time.
We will provide reasonable notice of material price increases or adverse changes (via
email to your registered address, in-account notification, or platform posting) at least
thirty (30) days in advance where practicable. Continued use of the service after the
effective date of any change constitutes acceptance of the new terms/pricing. If you do
not agree, your sole remedy is to cancel your subscription prior to the change taking
effect.
- Taxes Responsibility. All fees are exclusive of applicable taxes (including but
not limited to sales tax, use tax, VAT, GST, or other governmental levies). You are
solely responsible for any taxes imposed on your purchases or use of the services based
on your location or jurisdiction. We will collect and remit taxes where required by law
and add them to your invoice/charge; you agree to pay such taxes in full. You must
provide accurate location/tax information if requested.
- Billing Disputes and Chargebacks. If you believe a charge was made in error,
contact [email protected] within thirty (30) days of the charge date with details
(including transaction ID and explanation). We will review disputes in good faith but
are not obligated to reverse charges. You agree not to initiate chargebacks, reversals,
or disputes with your payment provider without first exhausting our internal resolution
process. Unauthorized chargebacks may result in immediate account
suspension/termination, liability for our costs (including fees and attorney fees), and
potential referral to collections. All disputes regarding payments or these Terms are
subject to Section 11 (Governing Law and Dispute Resolution).
Thank you for participating in IA Near Me!