These Terms of Service (“Terms”) govern your access to and use of the QuotFlo software platform and any related services we provide (the “Services”). The Services are provided by QuotFlo, an operating name of Garden State Benefits LLC, a New Jersey limited liability company (“QuotFlo,” “we,” “us,” or “our”). By creating an account, signing in, or otherwise using the Services, you agree to be bound by these Terms. If you are agreeing on behalf of an entity, you represent that you have authority to bind that entity, and “you” refers to that entity.
1. Eligibility
The Services are intended for use by individuals who: (a) are at least 18 years of age; and (b) hold an active, unsuspended insurance producer license in the jurisdiction(s) in which they conduct business, or are employed or contracted by a licensed insurance agency where the agency is responsible for ensuring each individual user is authorized to use the Services in compliance with applicable law. You represent that you meet these requirements and that all information you provide is accurate and current. You agree to notify us promptly at support@quotflo.com if your license is suspended, revoked, or lapses for any reason.
2. Your Account
You are responsible for safeguarding your account credentials and for all activity that occurs under your account, whether or not authorized by you. You agree to enable two-factor authentication when prompted by the Services or when required by your professional obligations. Notify us immediately at support@quotflo.com if you know or suspect unauthorized access to your account. We are not liable for any loss arising from unauthorized use of your account.
3. Subscription and Billing
3.1 Free Trial
New accounts may receive a 14-day free trial beginning on the date you complete account setup. No charge is assessed during the trial period. We may modify or discontinue the free trial offering at any time.
3.2 Recurring Fees
After the trial period ends, your subscription will automatically renew on a monthly basis at the then-current rate published on our pricing page, unless you cancel before the renewal date. Fees are charged in advance and are non-refundable except where required by applicable law.
3.3 Price Changes
We may change the subscription fee at any time by updating our pricing page and providing at least thirty (30) days' advance notice by email or through the Services. Your continued use of the Services after the effective date of a price change constitutes your acceptance of the new fee.
3.4 Cancellation
You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period; you retain access until that date. We do not provide pro-rated refunds for mid-period cancellations except where required by law.
3.5 Payment Processing
Payments are processed by Stripe, Inc. pursuant to Stripe's terms of service (available at stripe.com/legal/ssa). We do not collect or store full payment card numbers. Your use of payment services is also subject to Stripe's terms.
3.6 Taxes
You are responsible for all applicable taxes, levies, or duties imposed in connection with your subscription, excluding taxes on QuotFlo's net income.
4. Acceptable Use
You agree not to, and not to permit any third party to:
- (a) use the Services to violate any applicable law or regulation, including federal and state insurance regulations and applicable Department of Insurance requirements;
- (b) upload, transmit, or process Protected Health Information (as defined in Section 7) through the Services without first executing QuotFlo's Business Associate Agreement;
- (c) upload Social Security numbers, government-issued identification numbers, or financial account numbers except as strictly necessary to complete a quote transaction and only to the extent permitted under applicable law;
- (d) reverse-engineer, decompile, disassemble, or attempt to extract the source code of the Services;
- (e) resell, sublicense, or make the Services available to any third party for that party's independent benefit, except as expressly authorized by us in writing;
- (f) use the Services to send unsolicited communications in violation of the Telephone Consumer Protection Act (47 U.S.C. § 227), the CAN-SPAM Act (15 U.S.C. § 7701 et seq.), or any applicable state electronic or telephone solicitation law;
- (g) misrepresent your licensing status, the binding nature of any quote, or your relationship with any insurance carrier;
- (h) use automated scripts, bots, scrapers, or other automated tools to access or query the Services except through interfaces we expressly authorize; or
- (i) use the Services in any manner that could damage, disable, overburden, or impair our infrastructure or interfere with any other party's use of the Services.
5. Insurance Quoting; No Advice
The Services are designed to assist licensed insurance producers in presenting non-binding, indicative health insurance quotes to their clients. All quotes generated through the Services are indicative only, are subject to underwriting review and carrier approval, and do not constitute a binding commitment by any carrier to offer or provide coverage. Plan data presented in the Services is drawn from third-party sources and AI-assisted extraction processes and may not be accurate, complete, or current; you must independently verify all plan details before presenting them to a client or relying on them in any professional capacity.
QuotFlo is not an insurance company, broker, agent, or producer. We do not solicit, negotiate, sell, or bind insurance coverage of any kind. We do not provide insurance, legal, tax, actuarial, or financial advice. You are solely responsible for compliance with all federal, state, and local laws governing your business, including licensing, appointment, disclosure, marketing, anti-rebating, and recordkeeping requirements.
6. Customer Data
6.1 Ownership
You retain all rights in the data you submit to the Services, including data about your clients and the quotes you build (“Customer Data”).
6.2 License to QuotFlo
You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display Customer Data solely to the extent necessary to provide the Services to you. We will not use Customer Data to train machine learning or artificial intelligence models without your express written consent, and we will not sell or rent Customer Data to third parties.
6.3 Your Representations
You represent and warrant that: (a) you have all rights, licenses, and consents necessary to provide Customer Data to us, including any consent required from the individuals described in it; (b) Customer Data does not violate any applicable law or infringe any third-party right; and (c) you have made any disclosures to your clients required by applicable law regarding how their information will be processed.
6.4 Data Retention and Deletion
Upon termination or expiration of your account for any reason, we will retain your Customer Data for thirty (30) days, during which time you may request an export. After that period, we will delete or anonymize Customer Data in the ordinary course of business, except as required by applicable law or as described in our Privacy Policy. We are not responsible for any loss of Customer Data resulting from your failure to export prior to deletion.
7. HIPAA and Protected Health Information
7.1 Definitions
“Protected Health Information” or “PHI” has the meaning given in the Health Insurance Portability and Accountability Act of 1996 and its implementing regulations, as amended (collectively, “HIPAA”).
7.2 BAA Requirement
If your use of the Services will involve the creation, receipt, maintenance, or transmission of PHI on behalf of a covered entity as defined by HIPAA, you must execute QuotFlo's standard Business Associate Agreement (“BAA”) before submitting any PHI to the Services. To request a BAA, contact us at support@quotflo.com.
7.3 No PHI Without BAA
Absent an executed BAA, you agree not to submit any PHI through the Services. QuotFlo is not responsible for PHI submitted in violation of this Section, and you will indemnify QuotFlo for any HIPAA-related liability arising from your unauthorized submission of PHI.
7.4 Minimum Necessary Standard
Even where a BAA is in place, you agree to apply the HIPAA minimum necessary standard and submit only the PHI strictly required to use the Services for their intended purpose.
7.5 Subprocessors
Where a BAA is in place, QuotFlo will ensure that subprocessors who may access PHI — including Supabase, Google, and DigitalOcean — are bound by appropriate data processing and confidentiality obligations consistent with HIPAA requirements.
8. Privacy
Our collection, use, and disclosure of personal data is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to our data practices as described in the Privacy Policy.
9. Data Security and Breach Notification
9.1 Security Measures
We implement and maintain reasonable administrative, technical, and physical safeguards designed to protect Customer Data against unauthorized access, disclosure, alteration, or destruction. No security system is impenetrable, and we cannot guarantee the absolute security of Customer Data.
9.2 Breach Notification
If we become aware of a security incident affecting Customer Data, we will notify you without undue delay and in any event within the timeframes required by applicable law, including the New Jersey Identity Theft Prevention Act (N.J.S.A. 56:8-163 et seq.). We will provide information reasonably necessary to help you comply with your own breach notification obligations.
9.3 Your Obligations
You are responsible for the security of your account credentials and for any unauthorized access resulting from your failure to maintain their confidentiality.
10. Third-Party Services
The Services integrate with or rely on third-party providers, including Supabase (database and authentication), Resend (email delivery), Stripe (payment processing), Google LLC (AI plan extraction via Gemini API), and DigitalOcean (hosting). Your use of those features may also be subject to those providers' own terms and privacy policies, which we encourage you to review. To the extent permitted by applicable law, we are not liable for the independent acts, omissions, or failures of those providers; however, nothing in this Section limits our own responsibility to you under these Terms.
11. Intellectual Property
The Services and all related software, designs, text, graphics, trademarks, and trade names (other than Customer Data) are owned by QuotFlo or our licensors and are protected by applicable intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes only. No other rights in our intellectual property are granted by these Terms.
12. Beta and Preview Features
We may make certain features available on a preview or beta basis (“Beta Features”). Beta Features are provided for evaluation purposes only, are not subject to any service level or warranty applicable to the production Services, and may be discontinued or changed at any time without notice. We are not liable for data loss, corruption, or other harm arising from your use of Beta Features.
13. Disclaimer of Warranties
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR TRADE USAGE. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS, OR THAT QUOTES, PLAN DATA, OR OTHER INFORMATION GENERATED OR EXTRACTED BY THE SERVICES WILL BE ACCURATE, COMPLETE, OR CURRENT.
14. Limitation of Liability
14.1 Exclusion of Consequential Damages
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL QUOTFLO OR ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS OPPORTUNITY, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
14.2 Aggregate Cap
OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES YOU PAID US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100).
14.3 Exclusions
The limitations in Sections 14.1 and 14.2 do not apply to: (a) liability for death or personal injury caused by our gross negligence or willful misconduct; (b) liability arising from our fraud or fraudulent misrepresentation; (c) our indemnification obligations under Section 15.2; or (d) any liability that cannot be excluded or limited under applicable law.
15. Indemnification
15.1 By You
You will defend, indemnify, and hold harmless QuotFlo and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services in violation of these Terms; (b) any Customer Data, including any claim that it infringes a third party's rights or violates applicable law; (c) your violation of any applicable law or third-party right, including any insurance, privacy, consumer protection, or HIPAA obligation; or (d) any quote you prepare, share, or represent to a client, except to the extent directly caused by a material inaccuracy in plan data that we provided.
15.2 By QuotFlo
We will defend, indemnify, and hold harmless you from and against any third-party claim alleging that the Services, as provided by us and used in accordance with these Terms, infringe any United States patent, copyright, trademark, or trade secret. This obligation does not apply if the claim arises from: (a) your modification of the Services; (b) use of the Services in combination with products or services not provided or approved by us; or (c) Customer Data.
15.3 Procedure
The indemnified party will: (a) promptly notify the indemnifying party in writing of any claim; (b) give the indemnifying party sole control over the defense and settlement (provided no settlement may impose any obligation on the indemnified party without its written consent); and (c) provide reasonable cooperation at the indemnifying party's expense.
16. Termination
16.1 By You
You may terminate your account at any time by canceling your subscription through your account settings or by contacting us at support@quotflo.com.
16.2 By QuotFlo
We may suspend or terminate your access immediately and without advance notice if you materially breach these Terms or if your use poses an imminent security or legal risk. In all other cases — including general discontinuation of the Services — we will provide at least thirty (30) days' prior written notice, during which time you may export your Customer Data.
16.3 Effect of Termination
Upon termination, all licenses granted to you under these Terms cease immediately. Sections 4, 5, 6, 7, 9, 11, 13, 14, 15, 18, 19, and 22 survive termination.
17. Changes to These Terms
We may update these Terms from time to time. A “material change” includes, without limitation: a change to the scope of the license granted to us over Customer Data; the introduction of arbitration or a class action waiver; a narrowing of any warranty or indemnification we provide to you; or a change to the governing law or venue. For material changes, we will provide at least thirty (30) days' advance written notice by email or prominent in-Service notification. For non-material changes — such as corrections, clarifications, or additions that do not reduce your rights — we may post updated Terms without advance notice. Your continued use of the Services after the effective date of any updated Terms constitutes acceptance of those Terms.
18. Governing Law; Venue
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws principles. Subject to Section 19, any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Burlington County, New Jersey, and each party irrevocably consents to personal jurisdiction there.
19. Dispute Resolution; Arbitration
19.1 Informal Resolution
Before initiating any formal proceeding, the claiming party will provide written notice to the other party describing the claim in reasonable detail and the relief sought. The parties will attempt in good faith to resolve the dispute informally for thirty (30) days from receipt of that notice.
19.2 Binding Arbitration
If the parties cannot resolve the dispute informally, any claim arising from or relating to these Terms or the Services — except as provided in Section 19.4 — will be resolved by binding arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures (for claims under $250,000) or its Comprehensive Arbitration Rules and Procedures (for claims of $250,000 or more). The arbitration will be conducted in English and, unless the parties otherwise agree, via video conference or in Burlington County, New Jersey. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.
19.3 Class Action Waiver
ALL CLAIMS MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITIES ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING.
19.4 Exceptions
Either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. Claims relating to infringement of intellectual property rights are also excluded from the arbitration obligation in Section 19.2.
19.5 Opt-Out
New users may opt out of the arbitration agreement in this Section by sending written notice to support@quotflo.com within thirty (30) days of first agreeing to these Terms. The notice must include your name, account email, and a clear statement that you are opting out of arbitration. Opting out does not affect any other provision of these Terms.
20. Force Majeure
Neither party will be liable for any failure or delay in performance caused by circumstances beyond that party's reasonable control, including acts of God, natural disasters, government actions, epidemics or pandemics, telecommunications or power failures, riots, or cyberattacks not resulting from that party's failure to maintain reasonable security measures. The affected party will promptly notify the other and use commercially reasonable efforts to resume performance.
21. Assignment
You may not assign or transfer these Terms or any of your rights or obligations hereunder without our prior written consent. We may assign these Terms without your consent in connection with a merger, acquisition, or sale of substantially all of our assets, provided the assignee assumes all of our obligations hereunder. Any purported assignment in violation of this Section is void.
22. General Provisions
22.1 Entire Agreement
These Terms, together with the Privacy Policy and any executed BAA or other written addendum, constitute the entire agreement between you and QuotFlo regarding the Services and supersede all prior and contemporaneous understandings, representations, and agreements.
22.2 Severability
If any provision of these Terms is held invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or if it cannot be modified, severed from these Terms, and the remaining provisions will continue in full force and effect.
22.3 No Waiver
Our failure to enforce any provision of these Terms at any time does not waive our right to enforce it in the future. No waiver of any provision is effective unless in writing and signed by an authorized representative of QuotFlo.
22.4 Notices
We may send notices to you at the email address associated with your account or by posting through the Services. Notices to QuotFlo must be sent to support@quotflo.com or to Garden State Benefits LLC at our principal place of business.
22.5 Independent Contractors
The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, employment, franchise, or agency relationship.
22.6 Headings
Section headings are for convenience only and do not affect interpretation of these Terms.
23. Contact
Questions about these Terms may be sent to support@quotflo.com.