Terms of Service

Last updated: July 20, 2026

1. Agreement

These Terms govern your use of BindIQ. By creating an account or using the service, you agree to them. If you do not agree, do not use BindIQ.

"BindIQ," "we," and "us" refer to the operator of this service, identified in section 16. "You" means the person or agency using the service.

2. What BindIQ does — and what it does not do

BindIQ collects business information from your clients through a conversational intake and organizes it into a draft ACORD 125 commercial insurance application for your review.

BindIQ is a software tool. It is not an insurance producer, agent, broker, or advisor. We do not place coverage, bind coverage, quote, negotiate with carriers, or provide insurance advice of any kind. You remain solely responsible for your licensing, your professional obligations, and every decision you make on behalf of your clients.

Every form BindIQ produces is a draft requiring your review. Drafts are watermarked as such. You are responsible for verifying accuracy and completeness before submitting anything to a carrier. BindIQ does not submit applications to carriers on your behalf.

3. Accounts

You must be at least 18 and have authority to enter this agreement on behalf of your agency.

You are responsible for everything that happens under your account, including keeping your email secure — because sign-in links are sent there, access to your email is access to your account. Tell us promptly at doug@bindiq.io if you suspect unauthorized access.

One account is for one agency. Do not share credentials across agencies.

4. Your clients' information

When you send an intake link, you decide who receives it and what happens with the information collected. That makes you responsible for:

• Having the right to collect the information you request
• Any consents or disclosures your clients are owed under applicable law
• How the information is used after it leaves BindIQ
• Complying with the insurance regulations and privacy laws that apply to your practice

BindIQ processes this information on your instructions, as described in our Privacy Policy.

5. Acceptable use

Do not:

• Use BindIQ for anything unlawful, fraudulent, or deceptive
• Send intake links to people who have not agreed to receive them, or use BindIQ to send unsolicited bulk messaging
• Upload malware, or attempt to breach, probe, or disrupt the service or its security
• Attempt to access another agency's data
• Reverse engineer, scrape, or resell the service
• Share your account to let another agency avoid paying
• Misrepresent BindIQ output as verified, bound, or carrier-approved

We may suspend or terminate accounts that violate this section. Where the violation is serious or ongoing, we may do so without notice.

6. Plans, payment, and limits

Free plan. The free plan includes 5 intakes total, for the lifetime of the account. It is not a monthly allowance and it does not reset. When the 5 are used, new intakes stop until you upgrade.

Paid plans. Current pricing is on our website. Paid plans include a monthly intake allowance that resets each billing cycle. Unused intakes do not carry over.

Booster packs. Additional intakes may be purchased in packs. Booster intakes are consumed only after your included allowance is exhausted, roll over for one billing cycle, and then expire.

Billing. Paid plans bill in advance, monthly or annually, and renew automatically until cancelled. Payments are processed by Stripe; card details are never stored by BindIQ.

Cancellation. Cancel at any time. Your plan stays active through the end of the paid period, then reverts. Fees already paid are non-refundable except where required by law.

Price changes. We may change pricing with at least 30 days' notice to active subscribers. Changes take effect at your next renewal, and you may cancel before then.

Hard limits. Intake limits are enforced by the system. Once you reach your limit, new intakes are blocked until you upgrade, buy a booster, or your cycle resets.

7. Your data

You own your data. You retain all rights to the information you and your clients put into BindIQ. We claim no ownership of it.

You grant us a limited license to store, process, and transmit that information solely to operate the service for you. Nothing more.

We do not sell your data, share it with advertisers, or use client submission content to train AI models.

You can export your submissions as PDFs at any time. On account closure, contact us and we will delete your data within 30 days, subject to routine backup cycles.

8. Our intellectual property

BindIQ — the software, interface, and brand — belongs to us. These Terms grant you a limited, non-exclusive, non-transferable right to use the service while your account is in good standing. They do not transfer ownership of anything.

Feedback you send us may be used freely and without compensation.

9. Availability

We work to keep BindIQ available and reliable, but we do not guarantee uptime. The service may be unavailable for maintenance, provider outages, or circumstances outside our control. There is no service level agreement and no availability credit.

We may modify or discontinue features. For changes that materially reduce functionality you rely on, we will give reasonable notice where practical.

10. Disclaimers

BindIQ is provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Specifically, we do not warrant that:

• Output is accurate, complete, or suitable for submission without your review
• AI interpretation of any answer is correct
• The service will be uninterrupted or error-free
• Any coverage will be placed, quoted, or bound

AI systems make mistakes. The review step exists because verification is your responsibility, not an optional convenience.

11. Limitation of liability

To the fullest extent permitted by law, BindIQ is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost business, lost data, errors or omissions in coverage, denied claims, or reputational harm — even if we were advised such damages were possible.

Our total liability for any claim is limited to the greater of (a) the amount you paid us in the 12 months before the claim arose, or (b) one hundred U.S. dollars ($100).

If you use the free plan, this means our total liability is limited to $100.

Some jurisdictions do not allow these limitations, in which case they apply to the maximum extent permitted.

12. Indemnification

You agree to indemnify and hold harmless BindIQ and Douglas Clendenin from any claims, damages, losses, and reasonable legal fees arising from: your use of the service, your violation of these Terms, your violation of any law or third-party right, information you or your clients submit, or any coverage decision or professional advice you give.

13. Termination

You may close your account at any time by contacting us.

We may suspend or terminate your account for a material breach of these Terms, non-payment, or use that risks harm to the service or other users. Where practical and appropriate, we will give notice and an opportunity to cure.

On termination, your access ends. You may request an export of your data within 30 days. Sections 7 through 12, 14, and 15 survive termination.

14. Changes to these Terms

We may update these Terms. Material changes will be posted here with an updated date and, for significant changes, notified to active accounts by email at least 30 days in advance.

Continued use of BindIQ after changes take effect constitutes acceptance of the updated Terms. If you do not agree, stop using the service and close your account before the effective date.

15. General

Governing law. These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict of law principles.

Venue. Any dispute will be brought exclusively in the state or federal courts located in Massachusetts, and both parties consent to that jurisdiction.

Assignment. You may not assign these Terms without our written consent. We may assign these Terms, in whole or in part, to a successor entity, affiliate, or acquirer — including in connection with reorganizing this business into a limited liability company or other legal entity — without notice or consent. Your account and these Terms continue with the successor on the same terms.

Severability. If any provision is unenforceable, the rest remains in effect.

No waiver. Failure to enforce a provision is not a waiver of it.

Entire agreement. These Terms and the Privacy Policy are the entire agreement between us regarding BindIQ, and supersede any prior discussions.

Force majeure. Neither party is liable for delays or failures caused by events beyond reasonable control.

16. Contact

BindIQ is a service operated by Douglas Clendenin, a sole proprietor located in Massachusetts, United States.

doug@bindiq.io

BindIQ
71 Willow Ct
Dorchester, MA 02125
United States