Terms of Service · Evrment

Agreement and who we are

These Terms of Service (the “Terms”) are a binding agreement between EVRMENT (“Evrment,” “we,” “us”) and the organization or individual that creates an account or signs an order for our service (“Customer,” “you”). If you accept these Terms on behalf of an agency or company, you confirm that you have authority to bind it.

Evrment is an independent software company. We build and operate an AI operating system for life insurance agencies, delivered as a hosted service at evrment.ai. Our marketing website lives at evrment.com.

Evrment is not an insurance agency, insurer, broker-dealer, lead seller, or law firm. We do not sell insurance, place policies, supply leads, or give legal, tax, or compliance advice. We are not affiliated with any carrier, lender, IMO, or government body unless we say so in writing.

These Terms work together with our Privacy Policy, our Acceptable Use Policy, our Data Processing Addendum, and any order form you sign. If an order form conflicts with these Terms, the order form controls for that order.

Eligibility and accounts

The service is for businesses and professionals. You must be at least 18 years old and able to form a binding contract. It is not intended for personal, family, or household use.

You are responsible for everyone you invite into your workspace (your “Users”), including agents in your downline and staff. You agree to:

give accurate account and billing information and keep it current;
keep login credentials private and require each User to have their own login;
use available security settings, such as multi-factor authentication, where offered;
tell us promptly at support@evrment.com if you suspect unauthorized access.

You are responsible for activity that happens under your account, unless it was caused by our breach of these Terms.

The service

Evrment gives agencies one place to run their operations. Depending on your plan, the service may include:

CRM, lead pipelines, and CSV lead import;
browser-based outbound and inbound calling, SMS texting and campaigns, and email (email sending is not live yet);
compliance tooling, including a do-not-call suppression list, quiet-hours enforcement for automation, call recording controls that are off by default, and a script linter that warns but never blocks;
an audit log of actions taken in your workspace;
booking pages with consent records, and agent microsites and digital business cards;
a finance and back office module for book of business, commissions, share ledgers, and profit and loss;
a credential vault for storing your carrier portal logins, masked and access-logged;
a team hub for your agency;
AI features, including analytics, call routing receptionists, and in-call coaching.

We may improve, change, or retire features over time. If we remove a feature that is material to your paid plan, we will give you reasonable notice and, where appropriate, a pro-rated credit or the option to cancel.

Customer responsibilities

You run your agency. Evrment is a tool you use to do that. In particular, you are responsible for:

Licensing. Making sure you and every User who sells, solicits, or advises holds the required insurance licenses and appointments in each state where they do business.
Carrier and IMO rules. Following your carrier contracts, IMO or upline agreements, and any rules about marketing, scripts, advertising approval, and use of carrier portals.
Accuracy. The data you import and enter, including commissions, premiums, policy statuses, and lead information. Our finance and reporting views are only as accurate as what goes in.
Your content. Scripts, messages, booking pages, microsites, and anything else you publish or send through the service.
Credentials you store. Having the right to store carrier portal logins in the vault and following each carrier’s terms about who may use them.

Communications compliance

Calling, texting, and emailing consumers is heavily regulated. This section matters more than most, so please read it carefully.

You are solely responsible for making sure every call, text, email, and recording you make or send through Evrment complies with applicable law and carrier rules. That includes, without limitation:

the Telephone Consumer Protection Act (TCPA) and FCC rules, including prior express written consent requirements;
the Telemarketing Sales Rule and the National Do Not Call Registry;
state telemarketing laws, state do-not-call lists, and state “mini-TCPA” laws, including their calling-hour limits;
federal and state call recording laws, including states that require every party’s consent;
CAN-SPAM and state email laws;
A2P 10DLC brand and campaign registration, and the rules of wireless carriers and messaging providers.

You must obtain, document, and keep valid consent records for the people you contact, honor opt-out and do-not-call requests promptly, and maintain your own internal do-not-call list.

Evrment includes tools meant to help, such as do-not-call suppression, quiet-hours enforcement for automated outreach, consent capture on booking pages, recording consent settings, and a script linter. These tools are safeguards, not legal cover. They depend on the data and settings you provide, they do not cover every law in every jurisdiction, and some of them (for example, the soft warning on manual calls outside quiet hours, or the script linter) can be overridden by your Users. Using Evrment does not make your outreach compliant and we do not guarantee that it is. Talk to your own counsel about your program.

AI features

Evrment includes AI features, such as the Atlas analytics assistant, the Ava and Rea receptionists that help route calls, and Flowstate in-call coaching. AI output is generated by models and can be incomplete, outdated, or simply wrong.

Treat AI output as a suggestion. A licensed human should review it before relying on it or saying it to a consumer.
AI output is not insurance, legal, tax, medical, or financial advice.
You are responsible for decisions you make and actions you take based on AI output.
Conversational AI voice is planned but not yet live. When it becomes available, you will be responsible for any AI-disclosure, consent, and recording requirements that apply to calls or messages where AI interacts with consumers.

We do not permit our AI model providers to train their general models on your customer data. See our Privacy Policy for more.

Beta and coming features

Some features may be labeled beta, preview, early access, or “Coming.” These are offered as they are, may change or be withdrawn without notice, may have limited support, and are excluded from any service level commitments. A “Coming” label describes something we intend to build, not a promise of a delivery date. Please do not rely on beta features for anything critical.

Fees, trials, and billing

Current plans and prices are listed on our pricing page or in your order form.

Per seat. Plans are priced per User seat unless your order form says otherwise.
Billing cycle. Monthly plans are billed monthly in advance. Annual plans are billed upfront for the full year.
Onboarding. Some plans include a one-time onboarding fee, charged at the start of your subscription.
Usage charges. Telephony minutes, text messages, phone numbers, carrier registration fees, and similar pass-through costs are metered and itemized on your Evrment invoice, at the rates shown in the app before you turn a feature on.
Plan changes. Adding seats or moving to a higher plan takes effect right away and is prorated for the rest of the billing period.
Downgrades. Removing seats or moving to a lower plan takes effect at the end of the current billing period.
Taxes. Prices do not include taxes. You are responsible for applicable sales, use, and similar taxes, other than taxes on our income.
Renewal. Subscriptions renew automatically for the same term unless you cancel before the renewal date. You can cancel from your billing settings or by contacting us.

Trials. If we offer a trial period, it lasts for the period shown when your account is created. At the end of the trial period, your paid subscription starts unless you cancel first. Trial accounts may have limits on usage, such as calling and texting volume.

Payment. You authorize us and our payment processor to charge your payment method for fees when due. If a payment fails, we will let you know and may suspend the service after a reasonable grace period. Except where required by law or stated in these Terms, fees are non-refundable.

Customer data and ownership

“Customer Data” means the data you and your Users put into the service, including leads, clients, recruits, policy and commission records, call recordings, messages, notes, and stored credentials.

You own your Customer Data. You grant us a limited, non-exclusive license to host, copy, process, transmit, and display Customer Data only as needed to provide, secure, support, and improve the service for you, and as described in the Data Processing Addendum. We do not sell Customer Data.

You confirm that you have the rights and consents needed to upload Customer Data and to have us process it. That includes any notices owed to consumers whose information you import.

We may create aggregated, de-identified information about how the service is used (for example, overall feature usage) to operate and improve Evrment, as long as it does not identify you, your Users, or any consumer.

[DRAFT — counsel review required] Evrment is built to hold the sensitive information an insurance business requires, in the fields and workflows designated for it. Designated protected fields for sensitive identifiers, financial account information and detailed health information are in development. Until a field or workflow is expressly designated and secured for that information, you must not enter it into general-purpose notes, team messages, SMS, email or other unstructured fields, and you should record only what your business genuinely requires. Support for HIPAA-regulated workflows is required before general availability and is not offered today. Evrment is not your business associate unless we have separately agreed in writing, and you should not rely on Evrment for HIPAA purposes until then.

Third-party services

Evrment connects to services we do not control, such as telephony and messaging carriers, wireless networks, insurance carrier portals, payment processors, and AI model providers. Their availability, filtering, spam labeling, pricing, and terms are outside our control. A carrier may block, filter, or label your calls or messages even when you have done everything right.

When you use a third-party service through Evrment, its own terms may also apply to you. We are not responsible for third-party services, and we may stop supporting an integration if the provider changes or ends it.

Acceptable use

You and your Users must follow our Acceptable Use Policy. It covers outbound calling and messaging, prohibited claims, AI use, and security rules. A violation of that policy is a violation of these Terms.

Confidentiality

Each of us may share non-public information with the other, such as your agency’s business data or our product roadmap and pricing. The receiving party will use the other’s confidential information only to perform under these Terms, protect it with at least reasonable care, and share it only with people who need it and are bound by similar duties.

Confidential information does not include information that is or becomes public through no fault of the receiver, was already known to the receiver, is independently developed, or is rightfully received from someone else. Either party may disclose confidential information when legally required, after giving notice where the law allows.

Intellectual property and feedback

We own Evrment, including the software, design, AI features, documentation, and trademarks, along with all improvements. Subject to these Terms and payment of fees, we grant you a non-exclusive, non-transferable right for your Users to use the service for your internal business during your subscription.

You own your Customer Data and your own scripts and content. If you send us suggestions or feedback, we may use them freely without obligation to you. We will not identify you publicly as the source without your permission.

Feedback and ideas

Feedback, ideas and suggestions you send us, including through the waitlist on evrment.com, are covered by our Feedback Terms. In short: sending feedback is voluntary, it gives Evrment a license to use it, and it does not create a right to compensation, credit or ownership.

Waitlist

Evrment is in private development. Joining the waitlist on evrment.com does not open an account, a subscription or a right to access the service, and it costs nothing.

Any founding-user benefit, launch offer, early-access invitation or beta place connected to the waitlist is offered at Evrment's discretion and is not contractual until Evrment publishes a specific offer with its own terms. Beta participation is limited and not guaranteed. We may change or withdraw a planned benefit before it is published. You can leave the waitlist at any time using the unsubscribe link in any email we send.

Suspension

We may suspend all or part of your access if we reasonably believe that:

your use violates these Terms or the Acceptable Use Policy, or creates legal exposure for us or others;
your account has been compromised or is being used to harm the service, other customers, or consumers;
a telephony or messaging carrier requires us to act, for example because of complaints or spam reports;
payment is overdue after notice.

We will try to give advance notice and limit the suspension to what is necessary, unless urgent action is needed. We will restore access once the issue is resolved.

Term and termination

These Terms apply for as long as you use the service. You may cancel at any time, effective at the end of your current billing period. Either party may terminate for material breach that is not cured within 30 days after written notice. We may terminate immediately for serious or repeated violations of the Acceptable Use Policy.

Data export. After your subscription ends, your workspace remains available for export for 30 days. After that, we delete your Customer Data from the live service. Our intended practice is that backup copies roll off within a further 35 days. We may keep limited records where the law requires it, such as billing records.

If you terminate because of our uncured material breach, we will refund prepaid fees for the unused part of your term. Sections that by their nature should survive (such as fees owed, confidentiality, disclaimers, limitation of liability, and indemnification) survive termination.

Warranties and disclaimers

We will provide the service with reasonable skill and care, and will not materially reduce its security during your subscription.

Beyond that, and to the extent the law allows, the service is provided “as is” and “as available.” We disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not promise that the service will be uninterrupted or error-free.

In particular, Evrment does not guarantee:

any number of sales, appointments, contacts, or policies placed;
any level of income, commissions, or earnings;
underwriting or policy approval for any consumer;
that your calls or messages will be delivered, answered, or free of spam labels;
that your use of the service complies with any law or carrier rule.

Nothing in the service is insurance, legal, tax, or financial advice.

Limitation of liability

To the extent the law allows, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, commissions, or data, even if advised of the possibility.

Each party’s total liability arising out of these Terms will not exceed the fees you paid to Evrment in the 12 months before the event giving rise to the claim. [Liability cap and any exceptions to be confirmed by counsel.]

These limits do not apply to your payment obligations, your indemnification obligations, or liability that cannot be limited by law.

Indemnification

By you. You will defend and indemnify Evrment and its personnel against third-party claims, fines, and related costs (including reasonable attorneys’ fees) arising from: your Customer Data; your or your Users’ violation of these Terms or the Acceptable Use Policy; and any calls, texts, emails, recordings, or other outreach made through your account, including claims under the TCPA, the Telemarketing Sales Rule, do-not-call laws, state telemarketing or mini-TCPA laws, and recording consent laws.

By us. We will defend and indemnify you against third-party claims alleging that the service, as we provide it, infringes that party’s intellectual property rights. This does not cover claims caused by your content, your modifications, or combinations with things we did not provide.

The indemnified party must give prompt notice, let the other party control the defense, and reasonably cooperate. No settlement that admits fault for the indemnified party may be made without its consent.

Governing law and disputes

These Terms are governed by the laws of [State of governing law: to be confirmed by counsel], without regard to conflict of laws rules. [Venue, dispute resolution method, and any arbitration terms to be confirmed by counsel.]

Before starting any formal proceeding, each party agrees to try to resolve the dispute informally by contacting the other and negotiating in good faith for at least 30 days.

Changes to these terms

We may update these Terms from time to time. If a change is material, we will give at least 30 days’ notice by email or in the app before it takes effect, unless the change is required by law sooner. The “Last updated” date above always shows the current version. If you keep using the service after a change takes effect, the updated Terms apply. If you do not agree, you may cancel before the change takes effect.

Other terms: you may not assign these Terms without our consent, except to a successor of your business. If any part is found unenforceable, the rest stays in effect. Our failure to enforce a right is not a waiver. These Terms, with the documents they reference, are the entire agreement on this subject.

Contact

Questions about these Terms, legal notices, and account matters go to support@evrment.com. Please include your agency name and the email address on your account so we can help quickly.