Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of Retention Guardian (the "Service"), a software application available at retentionguardian.com and operated by GuardianLink Corporation ("Company," "we," "us," or "our"), a corporation with its principal place of business in the United States. GuardianLink Corporation also operates guardianlink.com.

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not access or use the Service. If you are using the Service on behalf of a business or agency, you represent that you have authority to bind that entity to these Terms.

2. Description of Service

Retention Guardian is a software-as-a-service platform designed for licensed insurance agents and agencies. The Service allows users to upload carrier commission statements, track client retention across statement periods, identify clients who have dropped coverage, and manage outreach activities ("chase lists"). The Service is intended solely for use by licensed insurance professionals in connection with their insurance business.

3. Accounts and Eligibility

You must be at least 18 years old and a licensed insurance agent or agency representative to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at support@retentionguardian.com if you suspect unauthorized access to your account.

We reserve the right to refuse service, terminate accounts, or remove content at our sole discretion, including if we believe a user has violated these Terms.

4. Subscriptions, Trials, and Billing

The Service is offered on a subscription basis. Billing is handled by GuardianLink Corporation through our payment processor (Stripe). Available plans and current pricing are described on our Pricing page.

• Free Trial. Eligible plans include a 7-day free trial. Your payment method is collected at sign-up but you are not charged until the trial ends. You may cancel before the trial ends to avoid any charge.
• Automatic Renewal. Subscriptions renew automatically on a monthly basis unless cancelled before the renewal date.
• Cancellation. You may cancel your subscription at any time via the billing portal in your account settings. Cancellation takes effect at the end of the current billing period; no prorated refunds are issued for partial periods.
• Failed Payments. If a payment fails, we will notify you by email. Access to the Service may be suspended until payment is resolved. We may terminate your subscription after multiple failed payment attempts.
• Price Changes. We may change subscription prices with 30 days' notice. Continued use after the effective date constitutes acceptance of the new price.

5. Your Data and Client Information

You retain ownership of all data you upload to the Service, including commission statements, client names, phone numbers, and other information ("Your Data"). By uploading Your Data, you grant us a limited license to process, store, and display it solely for the purpose of providing the Service to you.

You represent and warrant that: (a) you have all necessary rights, permissions, and consents to upload Your Data; (b) the clients whose information you upload have been served by you in your capacity as their licensed insurance agent; and (c) your use of the Service complies with all applicable laws, including state insurance regulations and applicable federal privacy laws.

We will retain Your Data for up to 90 days following account cancellation or termination, after which it may be permanently deleted. You are responsible for exporting any data you need before cancellation.

6. HIPAA and Protected Health Information

The Service is designed to be HIPAA-conscious. However, you acknowledge that: (a) a formal Business Associate Agreement ("BAA") with GuardianLink Corporation is required before transmitting any Protected Health Information ("PHI") as defined under HIPAA; (b) commission statements and client contact information are generally not PHI under HIPAA, but you should evaluate your specific use case with legal counsel; and (c) GuardianLink Corporation does not currently offer a standard BAA for individual agent accounts — please contact us at support@retentionguardian.com if a BAA is required for your organization.

7. Acceptable Use

You agree not to:

• Use the Service for any purpose that violates applicable law or regulation
• Upload data belonging to clients you do not represent as their licensed agent
• Attempt to reverse engineer, decompile, or extract the source code of the Service
• Use automated scripts, bots, or scrapers to access the Service
• Share your account credentials with any third party
• Upload content that contains malware, viruses, or other harmful code
• Use the Service in any manner that could damage, disable, or overburden our systems

8. Intellectual Property

The Service, including its software, design, text, graphics, and other content, is owned by GuardianLink Corporation and protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for your internal business purposes during your subscription term. No other rights are granted.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, GUARDIANLINK CORPORATION DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

The Service provides data analysis and reporting based on documents you upload. We do not guarantee the accuracy of parsed data, client matching, or retention analysis. You are responsible for verifying data independently before taking action.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GUARDIANLINK CORPORATION AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST CLIENTS, OR DATA LOSS, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US IN THE THREE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

11. Indemnification

You agree to indemnify, defend, and hold harmless GuardianLink Corporation and its affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) Your Data; (c) your violation of these Terms; or (d) your violation of any applicable law or third-party right.

12. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms. You may terminate your account at any time by cancelling your subscription through the account settings. Upon termination, your right to access the Service ceases immediately; Your Data will be retained for 90 days then deleted.

13. Governing Law and Disputes

These Terms are governed by the laws of the United States and the state of Florida, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved through binding arbitration under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction. You waive any right to participate in class-action litigation.

14. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or by displaying a notice in the Service at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

15. Contact Us

For questions about these Terms, please contact us: