Terms of Service

You represent and warrant that you are at least 18 years of age, that you have the legal authority to enter into these Terms, and that you are a licensed insurance professional or are acting on behalf of a licensed insurance agency or brokerage. 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 of any unauthorized use of your account.

RequestLossRun.com provides a SaaS platform that helps insurance agencies prepare, submit, and manage loss run requests. Our platform may collect, store, and transmit information you provide, including policyholder names, policy numbers, and carrier details, solely for the purpose of facilitating loss run requests on your behalf.

We do not provide insurance advice, underwriting services, or claims adjusting. We are a technology platform only. You are solely responsible for the accuracy and completeness of all data you submit through the Services and for ensuring that your use of the Services complies with all applicable laws and regulations.

Your data remains yours. You retain all right, title, and interest in and to the Agency Data you submit through the Services. We do not claim ownership of your Agency Data. By using the Services, you grant us a limited, non-exclusive license to use, process, store, and transmit your Agency Data solely as necessary to provide the Services to you.

Upon termination of your account, you may request the return or deletion of your Agency Data. We will make commercially reasonable efforts to comply with such requests within 30 days, subject to our data retention obligations under applicable law.

You agree that you will not:

• Use the Services for any unlawful purpose or in violation of any applicable federal, state, or local law or regulation, including insurance industry regulations.
• Submit false, misleading, or fraudulent information through the Services.
• Attempt to gain unauthorized access to the Services, other user accounts, or our systems or networks.
• Use the Services to transmit any viruses, malware, or other harmful code.
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Services.
• Sublicense, resell, or redistribute the Services to any third party without our prior written consent.
• Use automated scripts, bots, or scrapers to access the Services without our express written permission.

Access to certain features of the Services may require a paid subscription. Subscription fees, billing cycles, and payment terms will be communicated to you at the time of registration or upgrade. All fees are non-refundable unless otherwise stated in writing. We reserve the right to change our pricing with at least 30 days advance written notice. Your continued use of the Services after a price change constitutes acceptance of the new pricing.

The Site, Services, and all related technology, content, trademarks, logos, and documentation are the exclusive property of RequestLossRun.com or its licensors and are protected by applicable intellectual property laws. These Terms grant you no rights to use our trademarks, trade names, or branding without our prior written consent. Nothing in these Terms transfers any intellectual property rights to you beyond the limited license to use the Services as described herein.

We do not warrant that the Services will be uninterrupted, error-free, or secure, or that any defects will be corrected. We do not guarantee the accuracy, timeliness, or completeness of any loss run request or carrier response facilitated through the Services. You acknowledge that the delivery of loss run requests depends on third-party insurance carriers and their processes, which are outside of our control.

We are not an insurance company, insurance agency, or insurance broker. We do not provide insurance advice, legal advice, financial advice, or professional advice of any kind. You should consult with qualified professionals for advice specific to your situation.

You agree to indemnify, defend, and hold harmless RequestLossRun.com, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) the accuracy or legality of any Agency Data you submit; or (e) any dispute between you and a third party, including any insurance carrier or policyholder, related to a loss run request.

You are solely responsible for ensuring that your use of the Services complies with all applicable federal, state, and local laws and regulations, including but not limited to insurance licensing requirements, privacy laws, and data protection regulations. We make no representation that the Services satisfy the regulatory requirements of any particular jurisdiction. You acknowledge that loss run requests involve sensitive insurance information and agree to handle all such information in accordance with applicable law.

The Services may contain links to or integrate with third-party websites, services, or platforms. We do not control and are not responsible for the content, privacy practices, or terms of any third-party services. Your use of third-party services is at your own risk and subject to the terms and policies of those third parties.

Either party may terminate this agreement at any time. You may terminate by discontinuing use of the Services and closing your account. We may suspend or terminate your access to the Services immediately, without prior notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or if required by law. Upon termination, your right to use the Services ceases immediately. Sections 4, 7, 8, 9, 10, 14, and 15 shall survive termination.

These Terms shall be governed by and construed in accordance with the laws of the State in which RequestLossRun.com is organized, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Services shall first be submitted to good-faith mediation. If mediation is unsuccessful, the dispute shall be resolved by binding arbitration administered in accordance with the rules of the American Arbitration Association. The arbitration shall take place in the jurisdiction where RequestLossRun.com maintains its principal place of business. Each party shall bear its own costs of arbitration unless the arbitrator determines otherwise. Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction.

If you have any questions about these Terms, please contact us at: