Terms of Service

Who operates Kaisurance

These Terms govern your use of Kaisurance, provided by Mendy Douglas, a sole proprietor based in Nevada, operating Kaisurance. In these Terms, “we,” “us” and “our” refer to that operator. Contact support@kaisurance.com for support, billing, privacy or security requests.

By affirmatively accepting these Terms, you agree to them for your use of the service. If you create or manage a workspace for a business, you must be authorized to act for that business. Kaisurance is a record-management tool, not an insurer, carrier application system or source of underwriting, eligibility, coverage or legal decisions.

Accounts and team responsibilities

Provide accurate account information, verify your email and protect your password. Each person must use their own account. Workspace owners manage invitations, users and subscription seats and are responsible for their team's authorized use. Tell us promptly if you suspect unauthorized access.

Agency oversight permissions do not grant unrestricted access to another agent's connected mailbox or private personal license and carrier-contract records. You are responsible for having permission to process client information and communicate with clients. Manually maintained license and carrier records do not verify authorization to sell insurance.

Ownership of your records

You and your clients retain your rights in information you enter or import. You authorize us and our service providers to host, process, transmit and display it to provide, protect and support the service and the features you choose to use. This permission does not transfer ownership of your client records to us.

The software and service materials remain the property of their respective owners. Maintain independent copies of records you must retain for your business or professional obligations.

Permitted client data

Use Kaisurance for ordinary contact information, policy and application administration, statuses, premiums, commissions and follow-up dates. Enter optional birth dates, addresses and communication preferences only when you are authorized to process them. Describe application conditions as administrative follow-ups without medical details.

Do not upload, enter, paste, import or send into the CRM medical records, completed health applications, diagnoses, medications, treatment information or other medical details. Do not enter Social Security numbers, bank or card credentials, portal passwords or underwriting records. These restrictions apply to documents, notes, CSV imports, email content and AI instructions.

The service does not reliably detect or remove prohibited information. Before connecting a mailbox, consider that matching client emails may be copied into the CRM. Do not connect or synchronize conversations containing prohibited information. Contact us if restricted information is entered accidentally; do not repeat it in a support email.

Communications, AI and reminders

Mailbox and AI features depend on the connections and controls enabled for your account. Connecting a mailbox authorizes processing of message metadata to identify matching client conversations and storage of matching plain-text messages. Attachments are not imported by mailbox synchronization. Review recipients and content before sending. Disconnecting stops CRM access to the mailbox but does not erase previously saved conversations.

AI summaries, suggestions and drafts may be inaccurate or incomplete. Review them against your records before using them. The assistant does not automatically send email, change statuses or create tasks. Do not use it to make underwriting, eligibility or coverage decisions, and do not submit prohibited information. Usage limits apply.

License and birthday reminders depend on the dates, timezones, settings and permissions you record. They do not replace your responsibility to monitor deadlines or comply with communication requirements. Delivery is not guaranteed.

Acceptable use

Do not send unsolicited or deceptive messages, ignore opt-outs, impersonate others, import unlawfully obtained data, distribute malware, disrupt the service or attempt unauthorized access. Do not bypass workspace permissions, usage limits or payment controls.

You are responsible for lawful communications, including required permissions, sender information and opt-out handling. A permission field or template does not by itself establish compliance. We may restrict access when reasonably necessary to address abuse, security threats or violations of these Terms.

Trial, pricing and cancellation

The free trial lasts 14 days from email verification. No credit card or setup fee is required, and the trial does not automatically authorize a payment. Solo is $49 USD/month for one user. Team is $119 USD/month for three total users including the owner, plus $29 USD/month per additional Team user. Existing subscriptions retain their agreed pricing unless you separately approve a change. Paid checkout is disabled; a trial cannot charge you.

When paid subscriptions are offered, they renew monthly until cancelled. Cancellation stops the next renewal; paid access continues through the current billing period while payment is current. There are no prorated refunds for unused time after cancellation, except where required by law. Duplicate charges and billing errors are reviewed case by case. Billing & Cancellation explains the prices and terms in more detail.

Account closure and your data

When an unpaid trial expires or paid access ends, CRM access pauses. You can still sign in to account and billing settings, but cannot view or export CRM records while access is paused. Trial expiration and cancellation do not automatically delete saved records. Contact us for help with access, export or deletion.

Automatic workspace deletion is not enabled. A self-service 30-day read-only export window is not part of the live service. Do not rely on an automatic 30-day deletion deadline. Before closing your account, export the records available to you and contact us about any remaining information you need.

To request account closure, export assistance or deletion, email support@kaisurance.com from your account address. We verify identity and authority before disclosing or deleting records. Archiving a client, disconnecting a mailbox or removing a team member does not close or delete a workspace. Applicable billing, legal, security and acceptance records may be retained separately; the Privacy Policy explains the current retention limits.

Service limitations and changes

We do not guarantee uninterrupted availability, message delivery, completeness of your records or accuracy of AI output. Nothing in these Terms excludes rights or remedies that cannot lawfully be excluded. You remain responsible for reviewing your records and obtaining professional advice where needed.

Material changes to these Terms will be identified by an updated effective date and communicated through the service or account email. We do not treat prior acceptance as acceptance of an undisclosed new version. Contact us with questions about these Terms.