1. The Service

BrokerGreatness is a business-to-business software platform intended for authorized health insurance brokers, insurance agencies, and their personnel.

The Service may allow users to:

1. Manage prospective and existing client information.
2. Manage insurance policy, plan, and enrollment-related information.
3. Generate due-diligence reports concerning doctors, healthcare providers, facilities, pharmacies, networks, and related information.
4. Generate reports concerning prescription drugs, formularies, coverage, tiers, restrictions, utilization management, and related information.
5. Upload, process, search, organize, and analyze plan directories, Evidence of Coverage documents, Summaries of Benefits, formularies, and similar reference materials.
6. Create, send, electronically sign, store, track, and manage Scopes of Appointment and related records.
7. Create reports, summaries, templates, communications, and workflows.
8. Use a BrokerGreatness browser extension, including a Google Chrome extension, to assist with automated or semi-automated gathering of information used in reports and related workflows.
9. Use other administrative, automated, artificial-intelligence, or beta tools.

Certain features or report-gathering workflows may require you to install, enable, maintain, and use a BrokerGreatness browser extension (the “Browser Extension”) in a compatible version of Google Chrome or another supported browser. The Browser Extension may interact with third-party websites that you are authorized to access, assist with navigation or data gathering, and transmit information to or from the Service as necessary to perform a workflow initiated or directed by you.

You are responsible for installing required updates to the Browser Extension, maintaining a supported browser and computing environment, keeping the Browser Extension enabled when a workflow requires it, and using the Browser Extension only with accounts, websites, and information that you are lawfully authorized to access and process.

Features may vary according to subscription level, carrier, plan, location, browser or Browser Extension compatibility, third-party availability, or technical limitations. BrokerGreatness may add, modify, suspend, or remove features as described in these Terms.

2. Business Use, Eligibility, and Authorized Users

The Service is intended solely for legitimate business and professional use. It is not offered for direct personal, family, or household use by end clients.

You may permit your employees, contractors, agents, and other approved personnel to access the Service through your account (“Authorized Users”).

You are responsible for:

1. All activity conducted through your account and by your Authorized Users.
2. Ensuring that each Authorized User complies with these Terms.
3. Assigning appropriate permissions and applying least-privilege access.
4. Promptly removing access when it is no longer required.
5. Ensuring that each person using regulated features is properly licensed, appointed, certified, trained, and authorized.

You must be at least eighteen years old and legally capable of entering into a binding agreement. You may not use the Service if you have been suspended or prohibited from using it or if your use would violate applicable law.

3. Broker Responsibilities

BrokerGreatness is a technology provider. BrokerGreatness is not:

1. An insurance company, insurance carrier, insurance producer, insurance broker, insurance agency, third-party administrator, plan sponsor, or enrollment authority.
2. A healthcare provider, physician, pharmacist, pharmacy, prescriber, or medical professional.
3. A law firm, compliance adviser, fiduciary, accountant, or tax adviser.
4. An agent or representative of any insurer, provider, pharmacy, government agency, or end client.
5. A party to the relationship between you and your clients.

You are solely responsible for maintaining all licenses, registrations, carrier appointments, certifications, training, continuing education, errors-and-omissions insurance, and other qualifications required for your activities.

You are solely responsible for your recommendations, representations, marketing, solicitations, enrollments, client communications, recordkeeping, and compliance with all applicable federal, state, local, carrier, CMS, plan sponsor, and industry requirements.

The Service, including its report-gathering tools, automated workflows, Browser Extension, and related processes, is designed and provided as a human-in-the-loop system. Automation may collect, organize, extract, compare, summarize, or otherwise assist with information, but it does not replace the professional judgment, discretion, investigation, or decision-making of a properly licensed and authorized broker.

You must actively supervise your use of automated and semi-automated processes, exercise your own professional discretion regarding the relevance and reliability of gathered information, and make the final determination about what information, recommendation, comparison, report, document, or communication is appropriate to present or send to an end client. BrokerGreatness does not make that determination for you.

4. Beta Service

The Service is currently offered as a beta or pre-release product.

You acknowledge that:

1. Features may be incomplete, experimental, inaccurate, unstable, or unavailable.
2. The Service may contain errors, interruptions, defects, security weaknesses, or data-loss risks.
3. Features may be added, changed, restricted, suspended, or removed at any time.
4. Beta features may not be suitable for compliance, medical, insurance, enrollment, or other critical purposes.
5. BrokerGreatness does not guarantee that any beta feature will become generally available.
6. No service-level agreement, uptime commitment, support-response commitment, or data- restoration commitment applies unless stated in a separate written agreement signed by BrokerGreatness.
7. The Browser Extension and automated report-gathering workflows may depend on the layout, code, authentication methods, navigation flow, data presentation, or other operation of third-party websites that BrokerGreatness does not control.
8. A carrier, provider, pharmacy, government, vendor, or other third party may change its website or systems at any time, and such changes may cause the Browser Extension or an automated workflow to malfunction, gather incomplete information, produce errors, or become temporarily or permanently unavailable until BrokerGreatness modifies or updates the affected functionality.
9. BrokerGreatness does not guarantee that an update, repair, workaround, or compatibility change will be available immediately or within any particular period after a third-party website or browser changes.

You are responsible for maintaining independent copies of all information and records required for legal, regulatory, business, or operational purposes.

5. Mandatory Review and Verification

The Service may generate reports, summaries, comparisons, forms, communications, calculations, classifications, recommendations, or other results using automated processes, user-provided information, artificial intelligence, third-party information, and other data sources (“Outputs”).

YOU MUST INDEPENDENTLY REVIEW AND VERIFY EVERY OUTPUT BEFORE RELYING ON IT, SENDING IT TO AN END CLIENT, MAKING A RECOMMENDATION, SUBMITTING AN ENROLLMENT, OR TAKING ANY OTHER ACTION.

ALL AUTOMATED AND SEMI-AUTOMATED REPORT-GATHERING AND WORKFLOW PROCESSES PROVIDED THROUGH THE SERVICE ARE HUMAN-IN-THE-LOOP PROCESSES. YOU, NOT BROKERGREATNESS, ARE RESPONSIBLE FOR USING YOUR PROFESSIONAL JUDGMENT AND DISCRETION TO DECIDE WHETHER GATHERED INFORMATION IS ACCURATE, RELEVANT, COMPLETE, APPROPRIATE, AND SUITABLE FOR PRESENTATION OR USE WITH AN END CLIENT.

Human review is a required part of the intended workflow and is not optional merely because a feature is described as automated, artificial-intelligence assisted, report-generating, or capable of gathering information through the Browser Extension. You must review the underlying information and context to the extent reasonably necessary for the action you intend to take, resolve material discrepancies, and exercise independent broker judgment before final presentation, recommendation, enrollment activity, or client communication.

Outputs may:

1. Contain factual, calculation, formatting, classification, transcription, extraction, or interpretation errors.
2. Omit relevant providers, prescriptions, plans, restrictions, or other information.
3. Rely on incomplete, delayed, outdated, inconsistent, or inaccurate information.
4. Fail to reflect recent changes in provider networks, formularies, drug tiers, prior-authorization requirements, step therapy, quantity limits, plan benefits, costs, eligibility, laws, regulations, or carrier requirements.
5. Incorrectly associate information with a client, provider, prescription, plan, policy, or service area.
6. Otherwise be unsuitable for a particular client, transaction, or purpose.

You are responsible for verifying material information directly with the applicable insurer, plan sponsor, pharmacy benefit manager, healthcare provider, pharmacy, CMS, government source, or other authoritative source.

BrokerGreatness has no obligation to independently review, verify, approve, monitor, or correct your Outputs, recommendations, documents, or business activities.

6. No Medical Advice or Prescribing

The Service and its Outputs are provided solely for administrative, informational, and insurance due-diligence purposes.

A prescription-related report generated by the Service is not:

1. A medical prescription or medication order.
2. Medical advice.
3. A diagnosis.
4. A treatment recommendation.
5. A determination of medical necessity.
6. A substitute for advice from a licensed healthcare professional.

BrokerGreatness does not prescribe, authorize, select, modify, discontinue, or recommend medications.

A report concerning a doctor, provider, facility, pharmacy, or network does not guarantee that the provider or facility:

1. Is appropriate for a particular client.
2. Is accepting new patients.
3. Remains in-network.
4. Participates in a particular insurance plan.
5. Provides a particular medical service.
6. Will charge a particular amount.

The Service must not be used for medical emergencies or as the sole basis for medical, treatment, prescribing, eligibility, enrollment, coverage, or benefit decisions.

7. Scopes of Appointment

The Service may include tools for creating, sending, electronically signing, storing, and tracking Scopes of Appointment and related documentation.

BrokerGreatness does not determine:

1. Whether a Scope of Appointment is required.
2. When it must be obtained.
3. Which form, disclosure, or language must be used.
4. Which products or topics may be discussed.
5. Whether an exception applies.
6. How long a record must be retained.
7. Whether an electronic signature or communication method is legally sufficient.

You are responsible for:

1. Using current forms, notices, and disclosures.
2. Obtaining required signatures and consent within applicable timeframes.
3. Limiting discussions to permitted products and subjects.
4. Maintaining complete records for required retention periods.
5. Verifying each signer’s identity, capacity, and authority.
6. Obtaining consent for electronic communications, records, and signatures.
7. Responding to audits, complaints, carrier requests, and regulatory inquiries.

BrokerGreatness does not guarantee that any Scope of Appointment, signature, consent, or record created through the Service will satisfy applicable legal, CMS, carrier, or plan requirements.

8. Accounts and Security

You must provide accurate account, contact, organization, and billing information and keep it current.

You must:

1. Protect usernames, passwords, authentication codes, and credentials.
2. Use separate accounts for individual Authorized Users.
3. Use multifactor authentication when available.
4. Restrict access to authorized personnel.
5. Maintain reasonable security for devices, networks, browsers, and email accounts.
6. Maintain reasonable security for browser profiles, authenticated website sessions, and any permissions granted to the Browser Extension.
7. Install the Browser Extension only from a source authorized by BrokerGreatness and install available Browser Extension updates that are reasonably required for compatibility, security, or continued operation.
8. Promptly notify BrokerGreatness of suspected unauthorized access or misuse.
9. Cooperate with reasonable security investigations and protective measures.

You are responsible for activity occurring through your account unless the activity was caused solely by BrokerGreatness’s material breach of these Terms.

BrokerGreatness may reset passwords, revoke credentials, restrict features, or suspend access when reasonably necessary to protect the Service, data, users, or third parties.

9. Data and Content Definitions

9.1 Uploaded Reference Materials

“Uploaded Reference Materials” means files, documents, databases, spreadsheets, data feeds, directories, plan materials, and similar reference information uploaded, imported, transmitted, synchronized, or otherwise made available to the Service by or on behalf of Customer.

Uploaded Reference Materials may include:

1. Medicare Advantage and Medicare Advantage Prescription Drug plan directories.
2. Provider and pharmacy directories.
3. Evidence of Coverage documents.
4. Summaries of Benefits.
5. Summaries of Benefits and Coverage.
6. Prescription drug formularies.
7. Plan benefits, premiums, copayments, coinsurance, deductibles, service areas, and coverage information.
8. Prior-authorization, step-therapy, quantity-limit, and utilization-management information.
9. Carrier, plan sponsor, pharmacy benefit manager, CMS, and government materials.
10. PDF, CSV, spreadsheet, JSON, XML, text, image, archive, and database files.
11. Updates, corrections, annotations, mappings, classifications, and supplements.

9.2 Client Data

“Client Data” means information specifically associated with an identifiable prospective or existing end client, including names, contact information, dates of birth, Medicare or insurance identifiers, policy information, provider selections, prescription information, appointment information, communications, signatures, and related records.

9.3 Protected Health Information

“PHI” means protected health information regulated under the Health Insurance Portability and Accountability Act and its implementing regulations. PHI is a subset of Client Data when the applicable legal requirements are met.

9.4 Contributions

“Contributions” means templates, workflows, configurations, prompts, annotations, custom mappings, classifications, corrections, enhancements, integrations, feature requests, feedback, suggestions, and other original materials relating to the Service that Customer creates, submits, initiates, or contributes. Contributions do not include identifiable Client Data or PHI solely because such information is processed through the Service.

9.5 Platform Data

“Platform Data” means data, databases, datasets, metadata, indexes, relationships, mappings, taxonomies, classifications, tags, corrections, annotations, calculations, transformations, compilations, statistics, analytics, system logs, usage information, and other materials created, extracted, organized, normalized, enhanced, or generated by or for BrokerGreatness through operation of the Service.

Platform Data excludes identifiable Client Data and PHI, except for properly deidentified or aggregated information created and used in accordance with applicable law and any applicable Business Associate Agreement. Platform Data also excludes ownership of third-party trademarks, copyrights, or other rights in the underlying source materials.

10. Uploaded Reference Materials, Contributions, and Platform Data

10.1 Effective Time

The rights granted in this section become effective when an Uploaded Reference Material or Contribution is first received by, transmitted to, stored on, or processed through any server, database, storage system, cloud environment, processor, contractor, or service provider used by BrokerGreatness.

10.2 Assignment of Customer-Owned Contributions and Original Materials

To the fullest extent permitted by law, Customer irrevocably assigns, transfers, and conveys to BrokerGreatness all right, title, and interest that Customer owns or later acquires in:

1. Contributions.
2. Original customer-created templates, datasets, compilations, mappings, annotations, corrections, classifications, and enhancements included in Uploaded Reference Materials.
3. Original selection, coordination, or arrangement created by Customer specifically for use with the Service.

This assignment includes transferable copyrights, compilation rights, database rights, contractual rights, proprietary rights, and other intellectual-property rights owned or controlled by Customer. It is perpetual, irrevocable, worldwide, transferable, sublicensable, royalty-free, fully paid, and survives deletion, cancellation, account closure, suspension, and termination.

To the extent any such right cannot legally be assigned, Customer grants BrokerGreatness an exclusive, perpetual, irrevocable, worldwide, transferable, sublicensable, royalty-free, fully paid license to exercise that right for any lawful purpose. To the extent permitted by law, Customer waives and agrees not to assert any moral rights or similar rights in such materials.

10.3 License to Uploaded Reference Materials

Customer retains whatever ownership rights Customer lawfully holds in an Uploaded Reference Material that is not assigned under Section 10.2. Customer grants BrokerGreatness a perpetual, irrevocable, worldwide, nonexclusive, transferable, sublicensable, royalty-free, fully paid license, to the extent Customer has authority to grant it, to:

1. Receive, access, possess, host, store, cache, archive, and back up the material.
2. Copy, reproduce, scan, digitize, parse, transcribe, index, search, and analyze it.
3. Extract factual information and convert it into structured or machine-readable data.
4. Correct, supplement, classify, tag, annotate, map, and normalize the material.
5. Modify, adapt, translate, reformat, and create permitted derivative materials.
6. Combine it with information obtained from other users or lawful sources.
7. Display and transmit it through the Service to authorized users.
8. Create reports, comparisons, directories, databases, datasets, and Outputs from it.
9. Operate, maintain, secure, test, support, develop, and improve the Service and related products.
10. Develop, use, license, and commercialize Platform Data derived from it.
11. Exercise other rights reasonably necessary to provide and improve the Service.

Unless BrokerGreatness separately obtains sufficient rights, this license does not authorize BrokerGreatness to sell or publicly distribute a third-party source document, or a substantially identical reproduction of that source document, merely because Customer uploaded it. BrokerGreatness may nevertheless use, retain, combine, and commercialize Platform Data and other permitted derivative materials created from the source document, subject to applicable law and third-party rights.

10.4 Third-Party Materials

Uploaded Reference Materials may include materials created, published, distributed, or owned by insurance carriers, plan sponsors, pharmacy benefit managers, healthcare providers, CMS, government agencies, vendors, or other third parties (“Third-Party Materials”).

Customer cannot assign or license rights that Customer does not possess. Nothing in these Terms transfers a third party’s copyright, trademark, confidentiality right, or other proprietary right unless Customer has legal authority to make that transfer.

Customer represents, warrants, and agrees that:

1. Customer owns the Uploaded Reference Materials or has sufficient authority to upload them and grant the rights stated in these Terms.
2. Uploading, processing, and using the materials through the Service does not violate any contract, license, confidentiality obligation, law, regulation, or third-party right.
3. Customer has reviewed and will comply with any terms, restrictions, notices, and license conditions applicable to Third-Party Materials.
4. Customer will not upload materials obtained through unauthorized access, circumvention, misappropriation, breach of confidentiality, or other unlawful conduct.
5. Customer has authority to bind its employer, agency, organization, or other rights holder when uploading materials on that party’s behalf.

Customer must not upload proprietary, confidential, trade-secret, subscription-restricted, or access-controlled materials unless Customer is authorized to permit the processing, retention, and use described in these Terms.

10.5 Ownership of Platform Data

As between Customer and BrokerGreatness, BrokerGreatness exclusively owns all right, title, and interest in Platform Data, including its structure, organization, selection, coordination, arrangement, normalization, mappings, corrections, annotations, enhancements, compilations, analytics, and associated proprietary rights, subject to applicable law and any third-party rights in underlying source materials.

BrokerGreatness may retain, use, reproduce, modify, combine, distribute, license, sublicense, sell, commercialize, and otherwise exploit Platform Data for any lawful purpose during and after Customer’s use of the Service.

Customer receives no ownership interest in Platform Data merely because Customer uploaded a source file, suggested a correction, initiated processing, paid a subscription fee, or used an Output generated from Platform Data.

10.6 Server-Side Copies and Processing Artifacts

As between Customer and BrokerGreatness, BrokerGreatness owns its server-side processing artifacts, including extracted records, structured data, indexes, caches, logs, mappings, converted copies, normalized copies, working copies, and backup systems, subject to any rights held by the lawful owner of underlying source materials and subject to the Client Data and PHI provisions of these Terms.

Removing an Uploaded Reference Material from Customer’s active account does not require BrokerGreatness to remove non-Client Data from backups, archives, Platform Data, aggregated datasets, derivative materials, or other systems where BrokerGreatness is entitled to retain it under these Terms or applicable law.

10.7 Exclusion of Client Data and PHI

Identifiable Client Data and PHI do not become BrokerGreatness property merely because they are uploaded, transmitted to, stored on, or processed by BrokerGreatness systems. Client Data and PHI are governed by Sections 11 through 14 and any applicable Business Associate Agreement.

10.8 Survival

The assignments, licenses, ownership provisions, representations, warranties, and restrictions in this section survive cancellation, deletion, account closure, suspension, and termination.

11. Client Data

As between Customer and BrokerGreatness, Customer retains its rights in identifiable Client Data, subject to the processing rights granted in these Terms and any applicable Business Associate Agreement.

Customer grants BrokerGreatness a nonexclusive, worldwide, royalty-free license to receive, host, store, copy, transmit, process, organize, modify, display, and otherwise use Client Data as reasonably necessary to:

1. Provide, operate, maintain, and support the Service.
2. Generate reports and perform actions requested by Customer.
3. Secure, troubleshoot, test, and improve the Service.
4. Prevent fraud, abuse, unauthorized access, and security incidents.
5. Comply with applicable law and valid legal process.
6. Enforce these Terms.
7. Create and use aggregated or deidentified information where permitted by applicable law and any applicable Business Associate Agreement.

Customer represents and warrants that it has provided all required notices and has all rights, permissions, authorizations, and consents necessary to collect, access, upload, disclose, and process Client Data through the Service.

Customer is responsible for the accuracy, quality, legality, integrity, and appropriateness of Client Data and for responding to requests or complaints from end clients concerning Client Data.

12. Protected Health Information and Business Associate Agreements

Where BrokerGreatness creates, receives, maintains, or transmits PHI on behalf of a covered entity or business associate and a Business Associate Agreement is legally required, Customer must enter into BrokerGreatness’s applicable Business Associate Agreement before submitting PHI to the Service.

Customer must not submit PHI unless all legally required agreements, authorizations, notices, safeguards, and permissions are in place.

Any executed Business Associate Agreement controls over these Terms to the extent of a direct conflict involving PHI.

Customer is responsible for:

1. Determining whether HIPAA or another health privacy law applies.
2. Obtaining required client authorizations, permissions, and consents.
3. Applying minimum-necessary requirements where applicable.
4. Properly configuring access and permissions.
5. Responding to client, carrier, plan, and regulatory requests.
6. Using the Service only for lawful and permitted purposes.

Upon termination of an applicable Business Associate Agreement, PHI will be returned, destroyed, or retained and protected as required by that agreement and applicable law. No provision granting perpetual rights in Uploaded Reference Materials or Platform Data overrides a legally required restriction on the use, retention, return, or destruction of PHI.

13. Privacy, Security, Incidents, and Subprocessors

BrokerGreatness will make a separate Privacy Policy available through the Website describing its collection, use, disclosure, and handling of personal information. Customer must review the Privacy Policy before submitting Client Data.

Until an applicable Privacy Policy is published and made available, Customer must not submit identifiable Client Data through the Service. PHI is additionally subject to Section 12.

BrokerGreatness will use commercially reasonable administrative, technical, and physical safeguards appropriate to the nature of the information processed through the Service. No method of electronic transmission, processing, or storage is completely secure, and BrokerGreatness does not guarantee absolute security.

BrokerGreatness may use third-party hosting, cloud, database, analytics, communication, artificial-intelligence, security, payment, support, and other service providers (“Subprocessors”) to operate the Service. Customer authorizes BrokerGreatness to permit Subprocessors to process data as reasonably necessary to provide the Service, subject to applicable law and any applicable Business Associate Agreement.

BrokerGreatness will provide notifications concerning security incidents or breaches as required by applicable law and any applicable Business Associate Agreement. Customer is responsible for maintaining current contact information and for performing any notification, mitigation, documentation, or regulatory duties allocated to Customer by law or agreement.

14. Aggregated and Deidentified Information

To the extent permitted by applicable law and any applicable Business Associate Agreement, BrokerGreatness may create aggregated or deidentified information that does not reasonably identify Customer, an Authorized User, or an end client.

BrokerGreatness owns such aggregated or deidentified information as Platform Data and may use, retain, analyze, combine, publish, license, commercialize, and otherwise process it for any lawful purpose, including analytics, security, benchmarking, research, product development, and improvement of the Service.

BrokerGreatness will not intentionally reidentify information that has been deidentified under an applicable legal standard, except where permitted or required by law or expressly authorized by an applicable agreement.

15. Confidentiality

Each party may receive nonpublic information that is identified as confidential or that a reasonable person would understand to be confidential (“Confidential Information”).

The receiving party will:

1. Use Confidential Information only as permitted by these Terms.
2. Protect it using at least reasonable care.
3. Disclose it only to personnel, contractors, Subprocessors, and advisers who need access and are subject to confidentiality obligations.
4. Not disclose it to other third parties except as authorized or legally required.

Confidential Information does not include information that:

1. Becomes publicly available without breach of an obligation.
2. Was already lawfully known without restriction.
3. Is lawfully received from another source without confidentiality restrictions.
4. Is independently developed without using Confidential Information.
5. Is aggregated or deidentified in accordance with these Terms.

Publicly available plan documents and public government materials are not Customer Confidential Information merely because Customer uploads them. Nonpublic Uploaded Reference Materials may remain Confidential Information, but their confidentiality status does not revoke or limit the licenses expressly granted in Section 10.

A party required by law to disclose Confidential Information may do so after providing prior notice where legally permitted and reasonably cooperating with efforts to seek protective treatment.

16. Acceptable Use

You may not use the Service to:

1. Violate any law, regulation, carrier requirement, professional duty, or third-party right.
2. Access, upload, disclose, or process information without lawful authority.
3. Impersonate another person or misrepresent your identity, license, appointment, authority, or affiliations.
4. Make deceptive, misleading, discriminatory, or unauthorized insurance or healthcare representations.
5. Issue or claim to issue a medical prescription.
6. Make a final automated decision where human review is legally, contractually, or professionally required.
7. Upload malware, harmful code, or unlawfully obtained information.
8. Probe, scan, test, bypass, or circumvent security or access controls.
9. Use the Browser Extension or any automated workflow to access a website, account, page, record, or information that you are not authorized to access, or to bypass authentication, access controls, technical restrictions, or other protections.
10. Disrupt, overload, damage, or interfere with the Service.
11. Reverse engineer, copy, scrape, decompile, disassemble, or attempt to derive nonpublic components of the Service, except where such restriction is prohibited by law.
12. Use BrokerGreatness Confidential Information or nonpublic technology to develop or assist a competing product.
13. Resell, sublicense, rent, timeshare, or commercially distribute access to the Service without written permission.
14. Remove proprietary, copyright, trademark, attribution, or legal notices.
15. Use the Service for emergencies, unlawful surveillance, discrimination, or fraud.

BrokerGreatness may investigate suspected misuse and may remove content, restrict features, preserve evidence, cooperate with lawful investigations, or suspend or terminate access where reasonably necessary.

17. Third-Party Services and Information

The Service may use, display, integrate with, or link to third-party services and information, including:

1. Insurance carriers and plan sponsors.
2. Provider and pharmacy directories.
3. Prescription formularies and pharmacy benefit managers.
4. CMS and other government sources.
5. Payment processors.
6. Email, text-message, and communication providers.
7. Electronic-signature and identity-verification services.
8. Hosting, cloud, analytics, and artificial-intelligence providers.
9. Third-party websites and web applications accessed through or assisted by the Browser Extension for authorized report gathering or workflow automation.
10. Other software and data integrations.

BrokerGreatness does not control and is not responsible for the availability, accuracy, completeness, legality, security, policies, or performance of third-party services or information. Third-party services may be governed by separate terms and privacy policies.

The Browser Extension and automated report-gathering processes may depend on third-party websites remaining sufficiently compatible with the methods used by the Service. Third-party website owners may change page layouts, labels, code, authentication procedures, navigation, anti-automation measures, access requirements, data formats, or other functionality without notice to BrokerGreatness. Those changes may interrupt or break a workflow even when the Browser Extension and Service previously operated as expected.

BrokerGreatness may need to investigate, modify, update, replace, or discontinue affected Browser Extension functionality after such a change. During that process, a report-gathering workflow may be partially functional, inaccurate, unavailable, or require additional manual steps. You remain responsible for obtaining and verifying needed information through an appropriate alternative source or method when an automated method is unavailable or unreliable.

Provider, prescription, network, policy, plan, benefit, service-area, and pricing information may change without notice. Inclusion of third-party information in an Output is not an endorsement, certification, or warranty by BrokerGreatness.

18. Intellectual Property Complaints

BrokerGreatness respects intellectual-property rights and may remove or disable access to material that it reasonably believes infringes another person’s rights. BrokerGreatness may suspend or terminate accounts of users who repeatedly infringe or are repeatedly alleged to infringe intellectual-property rights.

A copyright or intellectual-property complaint may be sent to info@brokergreatness.com and should include:

1. Identification of the protected work or right claimed to be infringed.
2. Identification and location of the allegedly infringing material.
3. The complaining party’s name and contact information.
4. A statement that the complaining party has a good-faith belief that the disputed use is not authorized by the rights owner, its agent, or law.
5. A statement that the information in the complaint is accurate and that the complaining party is the rights owner or is authorized to act for the rights owner.
6. A physical or electronic signature.

BrokerGreatness may request additional information, forward the complaint to the affected Customer, restore material where appropriate, or take other action consistent with applicable law. This section does not represent that BrokerGreatness has completed any optional statutory designation or registration process.

19. Monthly Subscription, Automatic Renewal, and Payment

Paid subscriptions are billed monthly in advance.

By purchasing a subscription, you authorize BrokerGreatness and its payment processor to charge the payment method associated with your account for:

1. Recurring monthly subscription fees.
2. Authorized add-ons or usage fees.
3. Applicable taxes.
4. Other charges you expressly approve.

YOUR SUBSCRIPTION AUTOMATICALLY RENEWS EACH MONTH UNTIL YOU CANCEL IT THROUGH THE USER PORTAL.

BrokerGreatness may change subscription prices or included features by providing notice before the change applies to a future billing period. Continued use after the effective date of the change constitutes acceptance of the changed price or plan.

You are responsible for maintaining valid and current payment information. BrokerGreatness may retry failed charges and may suspend or terminate access for unpaid, declined, reversed, or disputed charges.

20. Cancellation and No Refunds

You may cancel your subscription through the cancellation controls in your user portal. Cancellation stops future monthly renewals and charges and becomes effective at the end of the monthly subscription period already paid.

You may continue using paid features through the end of the paid period unless your account is suspended or terminated for another reason.

ALL MONTHLY SUBSCRIPTION PAYMENTS ARE FINAL AND NONREFUNDABLE.

BrokerGreatness does not provide refunds or prorated credits for:

1. Partial months.
2. Unused time or unused features.
3. Failure to use the Service.
4. Account cancellations or downgrades.
5. Account suspensions caused by Customer or an Authorized User.
6. Beta errors, interruptions, changes, or discontinued features.
7. Termination or discontinuation of the Service.

Submitting an email, support request, payment dispute, or chargeback does not cancel your subscription. Cancellation must be completed through the user portal unless the portal is unavailable, in which case you may request cancellation by emailing info@brokergreatness.com from the account owner’s email address.

Refunds will be provided only where required by applicable law.

21. Taxes

Subscription fees do not include applicable sales, use, excise, value-added, or similar taxes. You are responsible for applicable taxes other than taxes imposed on BrokerGreatness’s net income. Where BrokerGreatness is required to collect taxes, those amounts may be added to your charges.

22. BrokerGreatness Intellectual Property and Output Rights

BrokerGreatness and its licensors own the Service, including its software, source code, object code, designs, interfaces, processes, documentation, databases, taxonomies, templates, trademarks, trade dress, models, and related intellectual-property and proprietary rights.

Subject to these Terms and payment of applicable fees, BrokerGreatness grants you a limited, nonexclusive, nontransferable, nonsublicensable, and revocable right to access and use the Service during your active subscription for your internal business purposes and to provide permitted Outputs to your end clients in the ordinary course of your insurance-broker services.

Customer does not acquire ownership of BrokerGreatness technology, Platform Data, templates, or other proprietary components merely because they appear in an Output. Customer retains its rights in identifiable Client Data and in original customer content that is not assigned under Section 10.

No right is granted to extract, resell, publish, license, or create a competing database from Platform Data except as expressly authorized in writing by BrokerGreatness.

No rights are granted except those expressly stated in these Terms.

23. Service Changes and Availability

BrokerGreatness may maintain, update, modify, limit, replace, suspend, or discontinue any portion of the Service at any time.

BrokerGreatness does not guarantee:

1. Uninterrupted, timely, secure, or error-free access.
2. That every error or vulnerability will be corrected.
3. Compatibility with every device, browser, carrier, plan, or third-party system.
4. Continuous compatibility of the Browser Extension or an automated workflow with a third-party website after that website, Google Chrome, another supported browser, or a related third-party system is changed or updated.
5. Permanent retention or restoration of Client Data or Outputs.
6. That any feature will remain available.
7. That the Service will satisfy every regulatory, carrier, plan, compliance, or business requirement.

You acknowledge that updates to Google Chrome, the Browser Extension, or a third-party website may require you to update or restart your browser, reinstall or update the Browser Extension, repeat a workflow, use additional manual steps, or temporarily gather information through another method. BrokerGreatness may release compatibility updates from time to time but does not guarantee uninterrupted functionality while a third-party change is being addressed.

If BrokerGreatness discontinues a paid Service, future monthly subscription charges will stop. Amounts already paid remain nonrefundable except where required by law.

24. Suspension and Termination

BrokerGreatness may suspend, restrict, or terminate access if it reasonably believes:

1. You or an Authorized User violated these Terms.
2. Payment is overdue, reversed, disputed, or fraudulent.
3. Your use creates a security, legal, regulatory, operational, or reputational risk.
4. Your account or credentials have been compromised.
5. Action is required by law, legal process, a regulator, or a third-party provider.
6. Action is necessary to protect BrokerGreatness, an end client, another user, the Service, or a third party.

You may terminate these Terms by canceling your subscription through the user portal and stopping use of the Service.

Upon termination:

1. Your right to access and use the Service ends.
2. Future subscription renewals stop.
3. Amounts already paid remain nonrefundable.
4. Unpaid charges remain due.
5. You must stop using BrokerGreatness intellectual property.
6. You remain responsible for preserving legally or operationally required records.

Sections that by their nature should survive termination will survive, including payment obligations, assignments, perpetual licenses, ownership provisions, confidentiality, disclaimers, limitations of liability, indemnification, and dispute provisions.

25. Data Following Cancellation or Termination

You are responsible for exporting or independently preserving Client Data and Outputs needed for legal, regulatory, business, or operational purposes before cancellation or termination. BrokerGreatness does not promise a post-termination export or retrieval period unless a separate written agreement states otherwise.

Following termination, BrokerGreatness may delete or render inaccessible Client Data in accordance with its then-current practices, applicable law, and any applicable Business Associate Agreement. BrokerGreatness is not obligated to retain, restore, or provide access to Client Data after termination except where required by law or agreement.

BrokerGreatness may retain Uploaded Reference Materials, Contributions, Platform Data, aggregated data, deidentified data, logs, backups, and other information where permitted by Sections 10 and 14, applicable law, and any applicable Business Associate Agreement.

PHI will be handled after termination as required by the applicable Business Associate Agreement and applicable law. This section does not authorize retention or use of PHI that is prohibited by such agreement or law.

26. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE, BETA FEATURES, OUTPUTS, PLATFORM DATA, UPLOADED REFERENCE MATERIALS, AND THIRD-PARTY INFORMATION ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS.

BrokerGreatness disclaims all express, implied, statutory, and other warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, security, and regulatory compliance.

BrokerGreatness does not guarantee that:

1. Outputs will be accurate, complete, current, compliant, or appropriate.
2. A provider, facility, or pharmacy will remain in-network or available.
3. A prescription drug will be covered, available, safe, clinically appropriate, or affordable.
4. An insurer, carrier, plan, CMS, or regulator will accept a document or transaction.
5. An electronic signature, consent, or Scope of Appointment will be legally sufficient.
6. The Service will prevent complaints, errors, breaches, audits, fines, or penalties.
7. The Browser Extension or an automated report-gathering workflow will remain compatible with a third-party website, browser version, authentication method, or data format.
8. An automated or semi-automated process will eliminate the need for human review, broker judgment, independent verification, or professional discretion.
9. Your use of the Service will comply with applicable law, carrier requirements, or professional obligations.

No information or advice provided by BrokerGreatness creates a warranty unless expressly stated in a separate written agreement signed by BrokerGreatness.

27. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BROKERGREATNESS, CHRISTOPHER ALESEVICH, AND THEIR CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR THE COST OF SUBSTITUTE SERVICES.

BrokerGreatness’s total aggregate liability arising from or relating to the Service or these Terms will not exceed the greater of:

1. The subscription fees actually paid by Customer to BrokerGreatness during the twelve months immediately preceding the event giving rise to the claim.
2. $100 if Customer used only a free or beta version of the Service.

BrokerGreatness is not responsible for claims caused by:

1. Customer’s failure to review or verify an Output.
2. Customer’s insurance, enrollment, marketing, medical, compliance, or professional decisions.
3. Inaccurate, incomplete, unlawful, or unauthorized data or materials.
4. Third-party information, services, systems, websites, or acts.
5. Failure, interruption, incompatibility, or inaccurate operation of the Browser Extension or an automated workflow resulting from changes to a third-party website, supported browser, authentication process, data format, or other third-party technology.
6. Unauthorized account access caused by Customer or an Authorized User.
7. Changes made by providers, insurers, carriers, pharmacies, plans, or regulators.
8. Customer’s failure to exercise required human review, independent verification, professional judgment, or discretion before using or presenting information to an end client.
9. Customer’s failure to maintain independent records or backups.

These limitations apply regardless of the theory of liability and even if BrokerGreatness was advised that damages were possible. Nothing in these Terms excludes liability that cannot legally be excluded.

28. Indemnification

Customer will defend, indemnify, and hold harmless BrokerGreatness, Christopher Alesevich, and their contractors, licensors, and service providers from claims, demands, investigations, damages, penalties, fines, judgments, settlements, costs, and reasonable attorneys’ fees arising out of or relating to:

1. Customer’s or an Authorized User’s use or misuse of the Service.
2. Client Data, Uploaded Reference Materials, Contributions, or Customer instructions.
3. Customer’s failure to obtain required consent, authorization, or rights.
4. Customer’s insurance, marketing, enrollment, or broker activities.
5. Customer’s reliance on or distribution of an unverified Output.
6. An allegation that Customer-provided data or materials infringe intellectual-property, confidentiality, privacy, publicity, contractual, or other rights.
7. Customer’s violation of law, regulation, carrier requirements, professional duties, or these Terms.
8. A dispute involving Customer and an end client, carrier, provider, pharmacy, plan, vendor, or regulator.
9. The acts or omissions of Customer’s Authorized Users.

BrokerGreatness will provide reasonable notice of an indemnified claim and may control its defense and settlement. Customer may not settle a claim in a manner that admits fault by or imposes an obligation on BrokerGreatness without BrokerGreatness’s prior written consent.

29. Electronic Communications, Acceptance, and Signatures

You consent to receive agreements, notices, invoices, disclosures, and other communications electronically through the Service, your account, or email.

You agree that electronic acceptance, records, and signatures may have the same legal effect as paper records and handwritten signatures, subject to applicable law.

By checking the acceptance box, creating an account, purchasing a subscription, uploading material, or using the Service after being presented with these Terms, you electronically sign and specifically agree to the assignments, licenses, and ownership provisions in Section 10.

You are responsible for maintaining a valid email address, compatible equipment, and the ability to access, download, and retain electronic records.

The Service’s electronic-signature features do not guarantee that a particular signature, consent, Scope of Appointment, or record satisfies every legal, regulatory, CMS, plan, or carrier requirement.

30. Compliance With Laws

Each party will comply with laws applicable to its own activities.

Customer is responsible for complying with applicable:

1. Insurance producer, marketing, solicitation, and enrollment laws.
2. CMS, Medicare Advantage, Medicare Part D, carrier, and plan sponsor requirements.
3. Privacy, security, breach-notification, and record-retention laws.
4. Electronic-signature and consumer-consent laws.
5. Telephone, text-message, and email marketing laws.
6. Accessibility and nondiscrimination requirements.
7. Licensing, appointment, certification, and professional obligations.
8. Copyright, trademark, database, confidentiality, and contract restrictions.
9. Sanctions, export-control, and anti-corruption laws.

Customer may not use the Service in a jurisdiction or manner where such use would be unlawful.

31. Changes to These Terms

BrokerGreatness may update these Terms by posting an updated version through the Website or Service. Updated Terms will include a revised “Last Updated” date.

Where required by law or where a change is material, BrokerGreatness will provide additional notice through the Service, the user portal, or email.

Updated Terms apply prospectively from their stated effective date. Your continued use of the Service after updated Terms take effect constitutes acceptance. If you do not agree to updated Terms, you must stop using the Service and cancel your subscription through the user portal.

32. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of- law principles.

Before filing a legal action, the parties agree to attempt in good faith to resolve the dispute through written notice and informal discussions for at least thirty days.

Subject to applicable law, the state courts located in Sarasota County, Florida, and the federal courts with jurisdiction over Sarasota County, Florida, will have exclusive jurisdiction over disputes arising from or relating to these Terms or the Service.

Each party consents to the personal jurisdiction of those courts.

TO THE EXTENT PERMITTED BY LAW, EACH PARTY WAIVES THE RIGHT TO A TRIAL BY JURY.

33. Notices and Contact Information

BrokerGreatness may provide notices through the Service, the user portal, or the email address associated with your account.

Legal notices and questions concerning these Terms may be sent to:

Notices sent to Customer may be delivered to the account owner’s email address and will be considered received when sent, unless applicable law requires otherwise.

34. Miscellaneous

34.1 Assignment

Customer may not assign these Terms without BrokerGreatness’s prior written consent. BrokerGreatness may assign these Terms to an affiliate or in connection with a sale, merger, reorganization, financing, transfer of assets, or transfer of the Service.

34.2 Independent Contractors

The parties are independent contractors. These Terms do not create a partnership, employment relationship, franchise, fiduciary relationship, agency, or joint venture.

34.3 No Third-Party Beneficiaries

These Terms do not grant rights to end clients or other third parties.

34.4 Force Majeure

BrokerGreatness is not liable for delays or failures caused by circumstances beyond its reasonable control, including natural disasters, utility failures, internet outages, labor disputes, governmental action, cyberattacks, epidemics, civil disturbances, or third-party service failures.

34.5 Waiver

Failure to enforce a provision is not a waiver of that provision or of the right to enforce it later.

34.6 Severability

If a provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain effective.

34.7 Entire Agreement

These Terms, applicable subscription or order terms, the Privacy Policy when published, and any executed Business Associate Agreement or other signed addendum constitute the entire agreement concerning the Service and replace prior discussions or agreements concerning the same subject.

34.8 Order of Precedence

An executed Business Associate Agreement controls regarding PHI. A signed order form controls regarding its specific commercial terms. These Terms control regarding all other matters.

34.9 Interpretation

Headings are for convenience and do not affect interpretation. “Including” means “including without limitation.” Singular terms include the plural where appropriate. These Terms will not be construed against a party merely because that party drafted them.

34.10 Counterparts and Electronic Records

Agreements incorporating these Terms may be accepted or signed electronically and in counterparts. Electronic records may be used to establish acceptance, account activity, uploads, transactions, and communications.