Terms of Service — Sakred Agents

These Terms of Service ("Terms") govern your access to and use of Sakred Agents, the customer relationship management (CRM) and sales-automation platform provided by Sakred Health ("Sakred Health," "we," "us," or "our"), including its web application, mobile applications, and related services (collectively, the "Service"). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

The Service is business software for insurance professionals. It is not intended for consumers, and it does not provide insurance, legal, tax, or financial advice.

1. Who may use the Service

You may use the Service only if you are at least 18 years old and have been granted access by Sakred Health or by an organization authorized to issue accounts. Access is granted to a named individual and may be revoked at any time. If you use the Service on behalf of an organization, you represent that you are authorized to accept these Terms for that organization.

Where the Service is used to market, quote, or sell insurance products, you are responsible for holding and maintaining every license, appointment, and registration your activity requires in each jurisdiction where you operate.

2. Accounts and security

You are responsible for the accuracy of your account information, for maintaining the confidentiality of your credentials, and for all activity that occurs under your account. Do not share your login. Notify us promptly at support@sakredcrm.com if you believe your account has been compromised.

3. Your data and your responsibilities

You retain ownership of the contact, lead, and client information you import into or capture through the Service ("Your Data"). You grant us the limited right to host, process, and transmit Your Data solely to provide and support the Service.

You are solely responsible for ensuring you have the legal right to use Your Data, including a lawful basis and any consent required to contact the individuals in it. In particular, you are responsible for compliance with the Telephone Consumer Protection Act (TCPA), state telemarketing and calling-time rules, do-not-call obligations, carrier and A2P 10DLC requirements, recording-consent laws, and applicable privacy laws. You must not upload data obtained unlawfully, or contact individuals who have opted out.

4. Messaging, calling, and automation

The Service sends and receives text messages, email, and telephone calls on your behalf, including messages composed with AI assistance and sent automatically. You remain the sender of record and are responsible for the content and timing of communications made through your account. Recipients may opt out at any time, and opt-outs are honored automatically; you must not attempt to circumvent them. We may throttle, suspend, or block messaging that we reasonably believe violates law, carrier rules, or these Terms.

5. AI features

The Service uses artificial intelligence to draft messages, summarize conversations, prioritize leads, triage email, and propose appointment times. AI output can be inaccurate or incomplete and is provided as a drafting and prioritization aid, not as professional advice. You are responsible for reviewing AI-assisted output before relying on it. Details of how AI processing works, and how it is restricted, are described in our Privacy Policy.

6. Third-party integrations

The Service can connect to third-party services you authorize, such as Google (Gmail and Google Calendar), telephony and messaging carriers, and calendar or document providers. Those services are governed by their own terms, and we are not responsible for them. You may disconnect any integration at any time from within the Service.

Our use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.

7. Acceptable use

You agree not to:

Use the Service to send unlawful, deceptive, harassing, or unsolicited communications;
Access accounts, data, or records belonging to others without authorization;
Reverse engineer, scrape, resell, sublicense, or copy the Service or its underlying models, prompts, or data;
Interfere with the operation, security, or integrity of the Service, or circumvent usage limits, rate limits, or access controls;
Upload malware, or use the Service to build a competing product.

8. Intellectual property

The Service, including its software, interfaces, models, prompts, workflows, training materials, and documentation, is owned by Sakred Health and protected by intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable, revocable right to use the Service while your access is active. No other rights are granted.

9. Confidentiality

The Service exposes non-public business information, including commission schedules, carrier terms, pricing, playbooks, and training content. You agree to keep such information confidential, to use it only in connection with your authorized use of the Service, and not to disclose it to any third party without our written consent.

10. Availability and changes

We may modify, suspend, or discontinue any part of the Service at any time, and we may update these Terms as described in section 14. We aim for continuous availability but do not guarantee uninterrupted or error-free operation; maintenance, third-party outages, and carrier disruptions can affect the Service.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that the Service will produce any particular sales, appointment, or business result.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SAKRED HEALTH WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

13. Indemnification

You agree to indemnify and hold harmless Sakred Health and its officers, employees, and agents from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising from Your Data, your communications sent through the Service, your violation of these Terms, or your violation of any law or third-party right.

14. Suspension, termination, and changes to these Terms

We may suspend or terminate your access immediately if we reasonably believe you have violated these Terms, created legal or security risk, or if your relationship with Sakred Health ends. On termination, your right to use the Service stops immediately. Provisions that by their nature should survive — including sections 3, 8, 9, 11, 12, and 13 — survive termination.

We may update these Terms from time to time. Material changes will be reflected by updating the "Last updated" date above and, where appropriate, by additional notice. Continued use of the Service after an update constitutes acceptance.

15. Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. The exclusive venue for any dispute arising out of or relating to these Terms or the Service is the state or federal courts located in Florida, and you consent to personal jurisdiction there.

16. Contact

Questions about these Terms:
Sakred Health · support@sakredcrm.com

This document is provided as a general template and does not constitute legal advice. Consider having counsel review it against your specific practices and jurisdictions (e.g., TCPA/A2P, CCPA/CPRA, GDPR, and state insurance regulations).