Terms of Service

1. Acceptance of Terms

By creating an account or using any part of the Service, you confirm that you are at least 18 years old, have the legal authority to enter into this agreement, and accept these Terms in full. If you are using the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

2. Description of Service

InsuranSync is a cloud-based lead and team management platform designed for life insurance agents and agencies operating in the Philippines. Depending on your plan, features include, but are not limited to:

• Lead pipeline tracking, calendar, follow-ups, and to-do boards
• Policy, beneficiary, and commission tracking
• Team creation, management, and analytics for enterprise accounts
• Presentations, surveys, and application forms
• Productivity tools (BMI calculator, PDF shrinker and editor, BIR reminders, education and retirement fund calculators)
• ISync Docs, ISync Drive, and a signature maker
• Team chat and messaging (enterprise accounts)
• A personal finances tracker
• A public Advisor Portfolio and directory listing
• Blog contributions and a referral & rewards (points and merchandise) program
• CSV and Facebook lead imports

We reserve the right to modify, suspend, or discontinue any feature of the Service at any time with reasonable notice.

3. Not Insurance or Financial Advice

InsuranSync is a software tool only. We are not an insurer, insurance broker, insurance agent, or financial adviser, and we do not provide insurance, legal, tax, or financial advice. We do not sell insurance products or process insurance applications. You remain solely responsible for your professional conduct and for complying with the rules of the Insurance Commission, your insurance carrier(s), and any agreements you have with them. Calculations, figures, and reports generated by the Service are estimates provided for convenience and should be independently verified.

4. Accounts and Registration

You must provide accurate, complete, and current information when creating your account. You are responsible for maintaining the confidentiality of your credentials and for all activities that occur under your account. Notify us immediately at hello@insuransync.com if you suspect unauthorized access. We are not liable for any loss resulting from unauthorized use of your account.

5. Subscription and Payment

InsuranSync is offered on a subscription basis across the Basic, Pro, Enterprise Starter, and Enterprise Plus plans. New accounts start with a 30-day free trial. Fees are billed monthly or annually as selected, are stated in Philippine Peso (PHP), and are exclusive of the 12% value-added tax on digital services (Republic Act No. 12023), which is added at checkout.

• Manual payment: There is no automatic card billing. Payments are made manually via GCash or bank transfer, and you submit proof of payment, which is subject to verification and approval by our team before access is granted or extended.
• Payment orders: A payment order that is not completed expires after 24 hours and must be re-initiated.
• Renewal: Subscriptions do not auto-charge. To continue after a billing period, you make another manual payment for the next period.
• Add-ons: Additional seats or storage take effect immediately and are billed with your next renewal.
• Plan changes: Upgrades are paid immediately; downgrades are scheduled to take effect at your next renewal.
• Cancellation: You may cancel at any time. By default, cancellation takes effect at the end of your current paid period, and you retain access until then; an immediate cancellation option is also available.
• Price changes: We will notify you at least 30 days before any price increase takes effect.

6. Refunds

We currently offer a 7-day money-back guarantee. If you request a refund within 7 days of an approved payment, we will refund that payment, issue a corresponding credit note, and cancel the related subscription. Refund requests outside this window are not eligible except where required by applicable law or granted at our discretion. The refund window is set by us and may change; the window stated here applies at the time of your payment.

7. Referral and Rewards Program

You may earn reward points by referring others using your referral code, and through other promotions we may offer. Reward points:

• are credited for a referral only when the referred account makes its first qualifying paid subscription (the reward amount may vary by the plan they purchase);
• may be redeemed for billing credit or for merchandise we make available;
• have no cash value, are non-transferable, cannot be exchanged for cash, and may be expired, adjusted, or revoked if we reasonably believe the program is being abused or manipulated.

We may change or discontinue the referral and rewards program, including reward values and redemption options, at any time.

8. User Content and Public Profiles

You are responsible for the content you create or upload, including documents, messages, blog submissions, and your Advisor Portfolio.

• Blog submissions are moderated. We may review, edit, approve, reject, or remove a submission, and approved posts are published under a contributor byline.
• Advisor Portfolios are published only if you choose to, and are publicly visible and may be indexed by search engines.
• You represent that you own or have the rights and permissions necessary to share any content you submit, and that it does not infringe third-party rights or violate any law. We may remove content that violates these Terms.

9. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law or regulation, including data privacy laws
• Upload or transmit unauthorized, fraudulent, or misleading data
• Store personal data of third parties without a lawful basis or the required consent
• Reverse-engineer, decompile, or attempt to extract source code
• Interfere with or disrupt the integrity or performance of the Service
• Share account credentials with unauthorized third parties
• Use the Service to send unsolicited communications (spam)

We reserve the right to suspend or terminate accounts that violate this section without prior notice.

10. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. For the lead, client, and beneficiary information you upload, you are the personal information controller and we act as your processor. You are solely responsible for ensuring that such data — including any sensitive personal information such as health details — is collected and processed with a valid legal basis and the necessary consent, in accordance with Republic Act No. 10173 (Data Privacy Act of 2012) and all other applicable laws.

11. Intellectual Property

All content, trademarks, logos, and software comprising the Service are the exclusive property of Quintara Technologies Inc. or its licensors. Nothing in these Terms grants you any right, title, or interest in the Service beyond the limited right to use it as described herein. You retain ownership of all data you input into the Service.

12. Termination

Either party may terminate this agreement at any time. You may cancel your subscription through the account settings page. Upon termination, your right to access the Service ceases at the end of any paid period, or immediately where you choose immediate cancellation. We will retain your data for 30 days after termination, after which it may be permanently deleted. You may export your data prior to termination.

13. Limitation of Liability

The Service is provided on an “as is” and “as available” basis without warranties of any kind, to the fullest extent permitted by law. Quintara Technologies Inc. and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of or inability to use the Service. Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the appropriate courts of Las Piñas City, Metro Manila, Philippines.