Terms and Conditions

1. Acceptance of Terms

By accessing and using Zinc™ CRM ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Zinc CRM is a comprehensive customer relationship management platform specifically designed for insurance professionals. Our service includes:

• Lead management and tracking systems
• Policy administration and renewal management
• Commission tracking and payouts
• Agent contracting and licensing automation
• AI-powered tools and analytics
• Integration with third-party insurance platforms

3. User Accounts and Registration

To access certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your account information
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

4. Acceptable Use Policy

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, offensive, or illegal content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Use the Service for competitive intelligence or benchmarking

5. Subscription and Payment Terms

Subscription Plans

We offer various subscription plans with different features and pricing. All fees are due in advance and non-refundable unless otherwise specified.

Billing and Payments

• Subscriptions are billed in advance on a monthly or annual basis
• Payment is due upon subscription renewal
• We accept major credit cards and other payment methods as indicated
• Failed payments may result in service suspension or termination

Cancellation and Refunds

You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period. Refunds are generally not provided except as required by law or at our sole discretion.

6. Data Ownership and Privacy

Your Data

You retain ownership of all data you input into the Service. We do not claim ownership of your customer data, leads, or other business information.

Data Security

We implement industry-standard security measures to protect your data. However, no system is 100% secure, and you acknowledge the inherent risks in transmitting data over the internet.

Data Backup and Export

We provide tools for data export and maintain regular backups. You are responsible for maintaining your own backup copies of important data.

7. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by Zinc™ and are protected by international copyright, trademark, and other intellectual property laws. Zinc™ and Zinc Intelligence™ are trademarks of our company.

8. Third-Party Integrations

Our Service may integrate with third-party applications and services. We are not responsible for the availability, content, or practices of these third-party services. Your use of third-party integrations is subject to their respective terms and conditions.

9. Limitation of Liability

To the fullest extent permitted by law, Zinc™ shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

10. Service Availability and Support

Service Uptime

We strive to maintain high service availability but do not guarantee uninterrupted access. Scheduled maintenance and updates may temporarily affect service availability.

Customer Support

We provide customer support through various channels. Support levels may vary based on your subscription plan.

11. Compliance and Regulatory Requirements

As an insurance-focused platform, you acknowledge that you are responsible for ensuring compliance with all applicable insurance regulations, licensing requirements, and industry standards in your jurisdiction.

12. Termination

Either party may terminate this agreement at any time. Upon termination:

• Your access to the Service will cease
• You may export your data for a limited time after termination
• We may delete your data after a reasonable notice period
• Outstanding fees remain due and payable

13. Modifications to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated to users with reasonable advance notice. Continued use of the Service after changes constitutes acceptance of the new terms.

14. Governing Law and Dispute Resolution

These terms are governed by the laws of the State of Florida, United States. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect.

16. Contact Information

For questions about these terms and conditions, please contact us: