Terms of Service

This Terms of Service agreement ("Agreement" or "Terms") is a legally binding contract between you — the individual or entity registering for or using the MyReve platform — and Amato & Associates LLC, a Washington limited liability company and licensed insurance agency ("Company," "we," "us," or "our"), governing your access to and use of the MyReve platform ("Platform"), including all related websites, applications, tools, and services. The Platform is a software service; while the Company is a licensed insurance agency, we operate the Platform solely as a technology provider to other insurance agencies and are not acting as your insurance agent or broker through the Platform unless our agency specifically prepared a quote for you.

By creating an account, completing the agency application process, accepting an invitation to join an agency, or otherwise accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Platform.

1. Eligibility and Authorized Use

1.1. The Platform is available exclusively to licensed insurance agencies operating within the United States and their authorized employees. By registering, you represent that you are a duly licensed insurance agency or an authorized employee of such an agency.

1.2. You must be at least eighteen (18) years of age to use the Platform.

1.3. The Platform is designed for use by agencies affiliated with a specific national insurance carrier network. By applying, you represent that your agency operates within this network and that your use of the Platform complies with all applicable carrier guidelines, rules, and policies.

1.4. You are responsible for ensuring that your use of the Platform, including but not limited to how you collect, store, and use client and prospect data, complies with all applicable federal, state, and local laws and regulations.

2. Accounts, Roles, and Access

2.1. Agency Application

To access the Platform, an authorized representative of your agency must submit an application through our public application form. Applications are subject to review and approval at our sole discretion. Submission of an application does not guarantee approval. We reserve the right to reject any application for any reason or no reason.

2.2. Account Roles

The Platform supports the following user roles within each agency:

• Agency Administrator — the primary account holder responsible for billing, team management, and agency-level configuration. Each agency must have at least one Agency Administrator.
• Producer (Agent) — a day-to-day user invited by the Agency Administrator who may build and share insurance quotes and perform other functions permitted by the modules activated for the agency.

2.3. Account Security

You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use or suspected breach. We are not liable for any loss arising from unauthorized access to your account.

2.4. Password and Authentication

Passwords must meet minimum complexity requirements as displayed during account setup. Accounts are subject to temporary lockout after repeated failed login attempts. We do not currently offer two-factor authentication or single sign-on.

2.5. Team Management

Agency Administrators may invite producers, deactivate user accounts, reset passwords, and assign module access. Deactivation prevents login but does not delete the user's historical data. There is no self-service account deletion; see Section 12 (Termination and Data Retention).

3. Platform Modules and Features

3.1. Module Structure

The Platform offers functionality through independently activatable modules. The currently available modules are:

• Quote Presenter — tools for building, customizing, and sharing interactive insurance quote presentations with prospective clients.

Additional modules and add-on features may be introduced over time. The availability, pricing, and functionality of any module may change at our discretion with reasonable notice.

3.2. Quote Presenter Module

The Quote Presenter module allows producers to build quote packages for prospective insurance clients and share them via a unique public URL. Quote packages are informational presentations only and do not constitute binding insurance offers, binders, or policies. You are solely responsible for the accuracy of all coverage details, premiums, endorsements, discounts, and other information entered into a quote.

Public quote links may be accessed by anyone possessing the URL (and passcode, if set). You are responsible for distributing quote links securely and in compliance with all applicable laws and carrier guidelines.

3.3. Reserved

Reserved.

3.4. Add-On Features

Certain features may be offered as optional add-ons to a base module, each with its own pricing. Add-on availability and pricing are at our discretion and subject to change.

3.5. Feature Availability

We reserve the right to modify, suspend, or discontinue any module, feature, or add-on at any time, with or without notice. We will make commercially reasonable efforts to provide advance notice of material changes.

4. Billing, Subscriptions, and Payments

4.1. Subscription Model

Access to each module requires a paid subscription. Subscriptions are billed on a monthly recurring basis through our third-party payment processor. By subscribing, you authorize recurring charges to your designated payment method.

4.2. Pricing

Pricing is based on a combination of module base fees, per-seat fees for each producer assigned to a module, selected configuration tiers, and any activated add-ons. Current pricing is displayed during the application and billing management processes. We reserve the right to change pricing at any time; changes to existing subscriptions take effect at the start of the next billing cycle following notice.

4.3. Seats

Each module subscription includes a configurable number of included seats. Additional seats may be purchased. Seats are assigned to individual producers by the Agency Administrator. The Agency Administrator is exempt from seat consumption. Unassigning a producer from a seat frees that seat for reassignment but does not reduce your bill during the current billing cycle. Seat reductions take effect at the end of the current billing cycle. Seat additions generate a prorated charge on your next invoice.

4.4. Free Trials

We may offer a free trial period for new subscriptions. Trial periods require a valid payment method on file. At the conclusion of the trial period, your subscription will automatically convert to a paid subscription and your payment method will be charged unless you cancel before the trial ends. Trial duration and availability are at our sole discretion and are subject to change at any time.

4.5. Cancellation

You may cancel your subscription at any time through the billing management page. Cancellation takes effect at the end of the current billing cycle; you retain access to the canceled module(s) until that date. Partial-month refunds are not available.

4.6. Non-Refundable Fees

All fees are non-refundable. This includes, without limitation, subscription fees, seat fees, add-on fees, and any other charges. There is no cooling-off period.

4.7. Past-Due Accounts

If a payment fails or your account becomes past due, access to Platform functionality requiring an active subscription will be suspended immediately with no grace period. Your data will be retained in accordance with our data retention practices, but you will not be able to access subscription-gated features until your account is brought current.

4.8. Payment Processing

All payments are processed by our third-party payment processor. Your payment card information is collected and stored exclusively by the payment processor and never touches our servers. Your use of the payment processor's services is subject to their terms and privacy policy.

5. Reserved

Reserved.

6. Referral Program

6.1. Referral Codes

Each agency receives a unique referral code. You may share your referral code with prospective agencies. When a new agency applies using your referral code and is approved, both agencies may receive benefits as determined by us and displayed in the referral program section of the Platform.

6.2. Program Terms

Referral benefits are at our sole discretion and may be modified or discontinued at any time. Referral codes are non-transferable.

6.3. Anti-Abuse

We reserve the right to void referral benefits and revoke referral codes if we determine, in our sole discretion, that the referral program is being abused, manipulated, or used in bad faith. This includes, without limitation, self-referrals, fraudulent applications, or referrals made primarily to obtain benefits rather than to introduce genuine prospective users. We may claw back any benefits already awarded if abuse is identified after the fact.

7. Promotional Offers and Discount Codes

7.1. We may, from time to time, issue discount codes or promotional offers at our sole discretion. Such offers are non-transferable, may not be combined with other offers or referral benefits unless expressly stated, and are limited to one per agency unless otherwise specified.

7.2. We reserve the right to modify, expire, or revoke any discount code or promotional offer at any time for any reason, including retroactively if we determine the offer was obtained through fraud or error.

8. Your Data Responsibilities

8.1. Your Content

"Your Content" means all data, text, files, information, and materials that you or your users upload, enter, or otherwise transmit through the Platform. This includes, without limitation, business data, contact notes, quote details, CSV uploads, and any free-text fields.

8.2. Ownership

You retain all ownership rights in Your Content. By using the Platform, you grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, process, and display Your Content solely as necessary to provide and improve the Platform.

8.3. Third-Party Data You Upload

You acknowledge that a significant portion of the data processed through the Platform relates to third parties who have no direct relationship with us — including prospective insurance customers, business owners, and their employees. With respect to this third-party data:

(a) You are the data controller. You are solely responsible for ensuring that you have a lawful basis (such as legitimate interest or consent, as applicable under the laws of your jurisdiction) to collect, use, and store this data.

(b) We are the data processor. We process third-party data solely on your behalf and in accordance with your instructions as effectuated through your use of the Platform. We do not independently determine the purposes or means of processing your third-party data.

(c) Compliance obligations. You are responsible for complying with all applicable privacy laws, including but not limited to state consumer privacy statutes, the Telephone Consumer Protection Act (TCPA), and the CAN-SPAM Act, as they relate to your outreach to and communications with third parties whose data resides on the Platform.

(d) CSV and manual entry. Data imported via CSV or entered manually may contain arbitrary fields. You are responsible for ensuring that any data you upload does not include information you are not authorized to possess or process, and that you do not upload sensitive personal information (such as Social Security numbers, financial account numbers, or health information) into the Platform.

8.4. Communications with Clients and Prospects

The Platform does not send emails, text messages, or other communications to your prospective clients on your behalf. When you share a quote link, you are responsible for the method of delivery (email, text, or otherwise) and for complying with all applicable laws governing that communication, including but not limited to TCPA and CAN-SPAM requirements.

8.5. Accuracy of Information

You are solely responsible for the accuracy of all information you enter into the Platform, including but not limited to insurance coverage details, premium amounts, and client-facing quote presentations. We do not verify, validate, or guarantee the accuracy of any information you provide.

9. Acceptable Use

9.1. Prohibited Conduct

You agree not to:

(a) Use the Platform for any unlawful purpose or in violation of any applicable laws or regulations.

(b) Scrape, crawl, spider, or use any automated means to access the Platform or extract data, except through APIs we expressly provide.

(c) Attempt to circumvent Platform usage limits, including by creating multiple accounts or agencies.

(d) Interfere with or disrupt the Platform's infrastructure, security, or other users' access.

(e) Resell, redistribute, sublicense, or commercially exploit Platform access or any data obtained through the Platform.

(f) Impersonate another person, agency, or entity.

(g) Upload malicious code, viruses, or harmful content.

(h) Use the Platform in a manner that violates the guidelines, rules, or policies of the carrier network with which your agency is affiliated.

(i) Share login credentials across users or create accounts for individuals not authorized to act on behalf of your agency.

9.2. Enforcement

We may suspend or terminate your access for violations of this Section or for any conduct we reasonably determine to be harmful to the Platform, other users, or third parties. We reserve the right to investigate and take appropriate action, including reporting to law enforcement where warranted.

10. Intellectual Property

10.1. The Platform, including all software, design, text, graphics, interfaces, and underlying technology, is owned by or licensed to the Company and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform in accordance with these Terms.

10.2. You may not copy, modify, distribute, reverse engineer, decompile, or create derivative works of any part of the Platform.

10.3. "MyReve" and associated logos are trademarks of the Company. You may not use our trademarks without prior written consent.

11. Disclaimers

11.1. THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

11.2. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.

11.3. WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY THIRD-PARTY BUSINESS DATA AVAILABLE THROUGH THE PLATFORM.

11.4. THE PLATFORM IS A TOOL FOR PRESENTING INSURANCE QUOTES. IT IS NOT AN INSURANCE PRODUCT AND DOES NOT PROVIDE INSURANCE ADVICE, RATE, BIND, OR ISSUE INSURANCE POLICIES. ALL INSURANCE DECISIONS AND REPRESENTATIONS REMAIN THE SOLE RESPONSIBILITY OF THE AGENCY AND ITS LICENSED PRODUCERS.

12. Termination and Data Retention

12.1. Termination by You

You may cancel your subscription at any time as described in Section 4.5. Cancellation does not automatically delete your data.

12.2. Termination by Us

We may suspend or terminate your access to the Platform at any time, with or without cause, and with or without notice. If we terminate without cause, you will retain access through the end of your current billing cycle.

12.3. Data Retention

Upon cancellation or termination, your account data (including quotes, user records, and historical activity) is retained indefinitely unless you request deletion. We do not automatically purge data when a subscription ends.

12.4. Deletion Requests

You may request deletion of your agency's data by submitting a written request to hello@myreve.app. We will process deletion requests within thirty (30) calendar days. Deletion is permanent and irreversible. Certain data may be retained as required by law, for legitimate business purposes (such as resolving disputes or enforcing these Terms), or where technically infeasible to isolate for deletion (such as aggregated or anonymized data).

12.5. Effect of Termination

Upon termination, your right to use the Platform ceases immediately (or at the end of your billing cycle, as applicable). Sections that by their nature should survive termination will survive, including but not limited to Sections 8, 10, 11, 13, 14, 15, and 16.

13. Limitation of Liability

13.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES ACTUALLY PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

13.2. IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.3. THE LIMITATIONS IN THIS SECTION APPLY TO ALL CLAIMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY.

14. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, contractors, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Platform; (b) Your Content; (c) your violation of these Terms; (d) your violation of any law or the rights of any third party; or (e) any third-party claims related to data you collected, imported, or processed through the Platform.

15. Dispute Resolution

15.1. Governing Law

These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict-of-laws principles.

15.2. Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform that cannot be resolved informally shall be resolved exclusively by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted in King County, Washington. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

15.3. Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

15.4. Exception

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

16. General Provisions

16.1. Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the Platform and supersede all prior agreements and understandings.

16.2. Amendments. We may update these Terms from time to time. When we make material changes, we will notify you through the Platform or by email and update the "Last Updated" date. Your continued use of the Platform after such changes constitutes acceptance. If a new version requires re-acceptance, you will be prompted to review and accept the updated Terms before continuing to use the Platform.

16.3. Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16.4. Waiver. Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

16.5. Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without your consent.

16.6. Notices. Notices to the Company must be sent in writing to hello@myreve.app. Notices to you will be sent to the email address associated with your account.

16.7. Force Majeure. We shall not be liable for any delay or failure in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, government actions, or failures of third-party services.

17. Contact Information

Amato & Associates LLC 8149 161st Avenue NE, Redmond, WA 98052

Legal inquiries: hello@myreve.app Privacy inquiries: hello@myreve.app General support: hello@myreve.app

By using MyReve, you acknowledge that you have read, understood, and agree to these Terms of Service.