These Terms of Service govern your use of Cadence. The full agreement is broken into 17 sections below — click any to expand, or use the contents list to jump.
These Terms of Service ("Terms") are an agreement between you (or the entity you represent) and Renova Agent Inc., a Wyoming corporation ("Cadence," "we," "us"). By creating an account, accessing, or using our platform, you accept and agree to these Terms. If you do not agree, do not use the platform.
Cadence provides a software-as-a-service platform for insurance agents to manage leads, clients, communications, and automation workflows (the "Platform"). The Platform is provided as-is and may be modified, updated, or have features added or removed at our discretion. We will give reasonable notice of material changes.
You must be at least 18 years old and able to form a binding contract to use the Platform. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at security@renovaagentinc.com if you suspect unauthorized access.
You agree to provide accurate and current information during registration and to keep your account information up to date. You may not share your account credentials with others, except with team members properly invited through the Platform.
The Platform is offered on subscription tiers. Pricing for each tier is shown on our pricing page and at signup. By subscribing you authorize us (or our payment processor, Stripe) to charge your payment method on a recurring basis until you cancel.
All fees are stated in US dollars and are non-refundable except as required by law or as expressly stated in these Terms. We may change pricing on 30 days' notice; price changes take effect at the start of your next billing period.
If you exceed your plan's limits (such as active leads, clients, or templates), you must upgrade your plan or reduce your usage to remain within limits. We may restrict the creation of new records when you reach a plan limit.
You may cancel your subscription at any time through your billing settings. Cancellation takes effect at the end of your current billing period. We may terminate or suspend your account if you breach these Terms, fail to pay fees, or use the Platform in a manner that creates risk to us or other customers.
Upon cancellation or termination, your access to the Platform ends. We retain your data for 30 days to allow account recovery, then delete it from production systems as described in our Privacy Policy.
You agree not to use the Platform to:
You are solely responsible for the content you upload, the messages you send through the Platform, and the recipients you communicate with. You must obtain all necessary consents from your leads and clients before contacting them, and you must honor opt-out requests promptly.
You retain all rights to the content you upload to the Platform ("Customer Content"). You grant us a limited license to host, process, and display Customer Content as necessary to operate the Platform and provide the services to you. We do not use Customer Content for any other purpose.
You represent and warrant that you have all rights and consents needed to upload and process Customer Content through the Platform, including any consent required to send communications to your leads and clients.
The Platform, including its software, designs, branding, and content (other than Customer Content), is owned by Renova Agent Inc. and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely as permitted by these Terms during your active subscription.
Some Platform features use artificial intelligence to suggest, draft, or summarize content. AI outputs are provided as suggestions; you are responsible for reviewing and approving them before sending or relying on them. We do not guarantee the accuracy, completeness, or appropriateness of AI-generated content. Your use of AI features is governed by these Terms and the policies of our underlying AI providers (currently Anthropic), which prohibit using outputs for prohibited purposes.
The Platform integrates with third-party services (such as Twilio for SMS, Stripe for payments, and Anthropic for AI). When you use these integrations, those services' terms also apply. We are not responsible for the actions or content of third-party services. A list of our subprocessors is available at renovaagentinc.com/subprocessors.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT DEFECTS WILL BE CORRECTED. WE DO NOT WARRANT THAT THE PLATFORM MEETS YOUR REQUIREMENTS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL RENOVA AGENT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS, ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
You agree to indemnify and hold Cadence harmless from any claims, losses, or damages arising from: (a) your Customer Content; (b) your use of the Platform; (c) your violation of these Terms; or (d) your violation of any applicable law, including telecommunications, anti-spam, or insurance regulations.
These Terms are governed by the laws of the State of Wyoming, without regard to its conflict of laws principles. Any disputes arising out of or related to these Terms will be resolved exclusively in the state or federal courts located in Wyoming, and you consent to the personal jurisdiction of those courts.
We may, at our discretion, agree to resolve disputes through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, in lieu of litigation.
We may revise these Terms from time to time. When we make material changes, we will update the "Last updated" date and notify you via email or in-app notice. Continued use of the Platform after the effective date of the revised Terms constitutes acceptance of the changes.
Entire agreement. These Terms (together with the Privacy Policy and any applicable order forms or Master Services Agreements) constitute the entire agreement between you and Cadence regarding the Platform.
Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions remain in effect.
No waiver. Our failure to enforce any provision is not a waiver of our right to enforce that or any other provision later.
Assignment. You may not assign these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, or sale of substantially all of our assets.
Force majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control.
Questions about these Terms? Contact us at:
Email us at hello@renovaagentinc.com or review the privacy policy.