Usage & License Agreement

This Usage & License Agreement (the “Agreement”) governs your agency’s subscription to and use of the Workganic™ platform — the eight applications (CRM, Phone, Schedule, Mail, Files, Marketing, Batch, and Print), the iOS app, and related services (together, the “Service”). By starting a trial, creating a workspace, or using the Service, you accept this Agreement on behalf of the agency you represent (“Customer,” “you”) and confirm you have authority to bind it. This Agreement incorporates the Privacy Policy and the plan terms published on the pricing page.

1. The Service

Workganic™ provides a hosted, subscription-based platform for insurance agencies. We may improve, add, or modify features over time; we will not materially reduce the core functionality of your plan during a paid term. Features identified as beta or preview are provided for evaluation, may change or be withdrawn, and are excluded from any commitments in this Agreement.

2. Accounts & Seats

Your workspace is administered by the users you designate. You are responsible for the accuracy of account information, for maintaining the confidentiality of credentials, and for all activity under your accounts. Each user seat is for one named individual; seats may be reassigned to new staff but not shared concurrently. Plans priced per user are billed for each active seat.

3. Free Trial

Every plan starts with a 30-day free trial. A payment card is required at sign-up, and no charge is made until day 31. You may cancel at any time during the trial in your workspace and owe nothing. If you do not cancel, your subscription begins automatically at the end of the trial on the plan you selected.

4. Fees, Billing & Renewal

Subscription fees are those published on the pricing page when you subscribe (as of June 2026: Starter $79/month; Professional $149/month; Agency $199 per user/month; Enterprise $249 per user/month with a five-user minimum). Monthly subscriptions renew each month; annual subscriptions are billed for ten months and include twelve. Renewal is automatic until cancelled. Fees are exclusive of taxes, which you are responsible for where applicable. We may change prices with at least 30 days’ notice; changes take effect at your next renewal. If payment fails, we will notify you and retry; continued non-payment may lead to suspension under Section 14.

5. Usage Allowances & Overages

Plans include per-tier allowances for metered usage — such as phone minutes, text messages, print-and-mail pieces, and included storage — with usage beyond an allowance billed at the rates published on the pricing page. Additional storage is available per tier. Metered charges are billed in arrears. We may apply reasonable technical limits to protect the Service and its users. Sustained good-faith usage far outside normal agency patterns may require an adjusted plan, which we will discuss with you. If usage is abusive — or threatens the security, stability, or fair use of the Service for others — we may suspend or restrict it immediately under Section 14.

6. Business Verification

Communications carriers require verification of every business that sends calls and text messages. After sign-up, you must complete business verification (“KYC”) in-app before phone numbers, texting, and custom email sending are activated. We may decline or revoke these features if verification cannot be completed or carrier registrations are rejected; the rest of the Service remains available.

7. License & Restrictions

We grant you a limited, non-exclusive, non-transferable right to access and use the Service for your agency’s internal business during your subscription. You may not: resell, sublicense, or provide the Service to third parties as a service bureau; copy, modify, or create derivative works of the Service; reverse engineer or attempt to extract source code except where the law permits; probe, scan, or test the security of the Service without written permission; use automated means to scrape or bulk-extract data other than through features we provide; or use the Service to build a competing product.

8. Your Data

Client records, calls, recordings, transcripts, messages, files, and documents your agency stores in the Service (“Customer Data”) belong to you. You grant us only the rights needed to host, process, transmit, back up, and display Customer Data to operate the Service for you. We do not sell Customer Data, use it for advertising, or use it to train AI models for other customers. You may export your client data at any time using the platform’s export features. You are responsible for the lawfulness of the data you collect and store, including any consents your clients’ information requires.

9. Acceptable Use

You agree to use the Service only for lawful purposes and in compliance with all laws that apply to your business — including telemarketing and messaging laws (such as TCPA and state equivalents), do-not-call rules, anti-spam laws, insurance regulations, and licensing requirements. You may not use the Service to send unsolicited bulk communications; to harass, defraud, or deceive; to transmit malware; or to store or distribute unlawful content. Carrier rules also govern calling and messaging conduct, and we may act under Section 14 where required to preserve carrier relationships that serve all customers.

10. Call Recording & Telephony Compliance

The platform can record calls and produce transcripts for your use. You are solely responsible for complying with call-recording consent laws in the jurisdictions where you and your callers are located; the platform provides configurable recording notices and consent tools to help. Phone numbers provisioned for your agency are for your business use; number porting in and out is supported. You are responsible for the conduct of calls and messages sent by your users.

11. Emergency Calling Notice

The Service’s phone system is cloud-based business telephony. Emergency calling (such as 911) over cloud phone services can differ from traditional landline service — including location accuracy and availability during internet or power outages. You must inform your users of these differences and maintain an alternative means of placing emergency calls.

12. Security; Regulated Information

We protect the Service with the safeguards described in the Privacy Policy — including tenant isolation, encryption in transit, encrypted off-site backups, multi-factor authentication, and audit logging. The platform is engineered to HIPAA-grade standards; however, Workganic™ does not currently offer Business Associate Agreements, and you remain responsible for your own regulatory obligations (including determining whether your use involves protected health information and handling it accordingly). Contact us before storing data subject to regulatory regimes that require contractual commitments we have not made in this Agreement.

13. Intellectual Property; Feedback

We own the Service, including all software, designs, and marks; no rights are granted except as stated in this Agreement. You own your marks and website content, and you grant us the rights needed to display them where you use platform features (such as your managed website). If you send us suggestions or feedback, we may use them without restriction or obligation.

14. Suspension

We may suspend some or all of the Service if: payment is overdue after notice; your use violates Section 9 or creates risk to the Service, other customers, or carrier relationships; verification under Section 6 is revoked; or suspension is required by law. Where we reasonably believe immediate action is needed to protect the Service, other customers, or carrier relationships — including abusive or anomalous usage — we may suspend first and notify you afterward. We will use reasonable efforts to notify you promptly, limit suspension to what is necessary, and restore service once the cause is resolved.

15. Term, Cancellation & Effect of Termination

This Agreement runs for your subscription term and renews with it. You may cancel at any time in your workspace; cancellation takes effect at the end of the current billing period, and fees already paid are non-refundable except where required by law. Either party may terminate for material breach not cured within 30 days of notice. After termination, your workspace enters a wind-down period of at least 30 days during which you may export Customer Data; afterward, Customer Data is deleted in line with the Privacy Policy’s retention schedule. Sections that by their nature should survive (including 8, 13, and 16–19) survive termination.

16. Disclaimers

The Service is provided “as is” and “as available.” We do not warrant that the Service will be uninterrupted or error-free, and we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. The Service is a tool for your business: it does not provide legal, compliance, tax, or insurance advice, and outputs (including quotes, transcripts, and document analysis) must be reviewed by you before reliance.

17. Limitation of Liability

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or lost profits or revenues. Each party’s total liability under this Agreement is capped at the amounts you paid for the Service in the twelve months before the event giving rise to the claim. These limits do not apply to your payment obligations, your breach of Section 7 or 9, or either party’s indemnification obligations.

18. Indemnification

You will defend and indemnify us against third-party claims arising from Customer Data, your use of the Service in violation of this Agreement, or your violation of communications, privacy, or insurance laws. We will defend and indemnify you against third-party claims that the Service, as provided by us and used as permitted, infringes a U.S. patent, copyright, or trademark — with the usual remedies of procuring rights, modifying the Service, or refunding prepaid unused fees.

19. Governing Law & Disputes

This Agreement is governed by the laws of the State of Ohio, without regard to conflict-of-laws rules. The parties will first try in good faith to resolve any dispute informally; failing that, disputes will be brought exclusively in the state or federal courts for Licking County, Ohio, and each party consents to their jurisdiction. Each party waives jury trial to the extent permitted by law.

20. Changes to this Agreement; General

We may update this Agreement with at least 30 days’ notice for material changes, effective at your next renewal; continued use after the effective date is acceptance. Neither party is liable for delay caused by events beyond its reasonable control. You may not assign this Agreement without our consent except to a successor of your business; we may assign it in connection with a merger or sale. Notices to you may be given in-app or to your account email; notices to us go to the contact below. If any provision is unenforceable, the rest remains in effect. This Agreement, the Privacy Policy, and the published plan terms are the entire agreement and supersede prior discussions.

21. Contact

Questions about this Agreement: Workganic™ — logan@workganic.ai