Terms and Conditions For Agency App

Terms and Conditions For Self-Compliance and Licensing Platform Use

Effective Date: January 1, 2026

‍

Welcome to Turris! These Terms and Conditions ("Agreement") govern your access to and use of our website, our services, workflows, and APIs ("Services"). Please read this Agreement carefully before using our Services. By accessing or using our Services, you agree to be bound by this Agreement. If you do not agree with any part of this Agreement, please do not use our Services. If you have a signed services agreement with us, any terms from that agreement in conflict with the below language, will be settled by using terms from the signed services agreement.

1. Definitions

1.1. "Turris" or "Provider" refers to Turris Financial Technologies, Inc. and its affiliates.

1.2. "User" or "Customer" refers to any individual or entity that accesses or uses the Services.

1.3. "Insurance Company" refers to the insurance companies, managing general agencies, wholesalers, agencies, any other licensed insurance entity, and their affiliates that work in collaboration with Turris.

1.4 “ConfidentialInformation” means information in any form disclosed by or on behalf of aDiscloser, including before the Effective Date, to a Recipient in connection with this Agreement that (a) the Discloser identifies as “confidential”, “proprietary”, or the like; or (b) should be reasonably understood as confidential or proprietary due to its nature and the circumstances of its disclosure. Confidential Information includes the existence of this Agreement and the information on each Cover Page.

1.5 “Covered Claim” means either a Provider Covered Claim or Customer Covered Claim.

1.6 “Discloser”means a party to this Agreement when the party is providing or disclosing Confidential Information to the other party.

1.7 “IndemnifyingParty” means a party to this Agreement when the party is providing protection for a particular Covered Claim.

1.8 “NIPR” means National Insurance Producer Registry. This is a data service the Provider uses to pull data on the Customer’s partners.

1.9 “NPN” means National Producer Number and is the identified used to pull data from the NIPR.

1.10 "Product” means the Turris Platform.

1.11 “Protected Party” means a party to this Agreement when the party is receiving the benefit of protection for a particular Covered Claim.

1.12 “Recipient” means a party to this Agreement when the party receives Confidential Information from the other party.

1.13 "Provider Covered Claims": (1) Any action, proceeding, or claim that the Turris Platform, when used by Customer according to the terms of the Agreement, violates, misappropriates, or otherwise infringes upon anyone else’s intellectual property or other proprietary rights; or (2) any action, proceeding, or claim that results from Provider's breach or alleged breach of this Agreement.

1.14 "Customer Covered Claims": Any action, proceeding, or claim that results from Customer’s breach or alleged breach of this Agreement.

2. Account Creation and Use

2.1. To access and use our Services, you must create an account. You agree to provide accurate, current, and complete information during the registration process and to promptly update any changes.

2.2. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2.3. You must not share your account credentials with any third party or allow any unauthorized access to your account.

2.4 There is no fee to access the Turris Platform if you have under 50 agents. Fees are charged for new license acquisition, license renewal, and in some instances for gathering PDFs of licenses from state departments of insurance. Those fees will be outlined in the Turris Platform.

2.5 User is responsible for all duties, taxes, and levies that apply to fees, including sales, use, VAT, GST, or withholding, that Provider itemizes and includes in an invoice. However, User is not responsible for Turris's income taxes.

2.6 User will be responsible for certain state or NIPR imposed transaction fees, for all license fees charged by the state, and credit card fees. Credit card fees are estimated to be between 2.9% and 3.0% and are subject to change.

2.7. Turris reserves the right to suspend or terminate your account at any time if it believes that you have violated any provision of this Agreement or engaged in any fraudulent or unauthorized activities.

3. Services Provided

3.1. Turris provides a platform that facilitates various insurance related operations, compliance, and financial workflows for Users, in sum, the "Turris Platform."

3.2. Turris acts as a facilitator and does not provide insurance services directly. Insurance services are provided by the Insurance Companies.

3.3. Turris does not guarantee the availability, accuracy, or reliability of the information provided by the Insurance Companies or any other third party.

3.4. Turris reserves the right to modify, suspend, or discontinue any or all of its Services at any time without prior notice.

3.5. Turris will use commercially reasonable efforts to provide and maintain the Turris Platform without excessive errors and interruptions.

3.6. Fees: Access to the general use sections of the platform is free. Certain features of the platform require a user fee, which will be communicated to you in advance of you being abel to access these features. Certain actions you can take on the platform involve a transaction fee. You will be made aware of any fees before they are charged. A list of fees can be found below in the Service Fee Appendix.

4. User Obligations

4.1. You agree to use our Services only for lawful purposes and in compliance with applicable laws and regulations.

4.2. You shall not use our Services in a manner that infringes upon the rights of others or restricts or inhibits their use and enjoyment of the Services.

4.3. You shall not engage in any fraudulent, illegal, or unauthorized activities through the use of our Services.

4.4. You acknowledge that Turris may collect and store certain information about you. You agree to provide accurate and complete information and to promptly update any changes.

4.5. You are responsible for the security of your devices and for protecting your account and personal information from unauthorized access.

5. Privacy and Data Security

5.1. Turris takes privacy and data security seriously. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal information.

5.2. By using our Services, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy.

6. Intellectual Property

6.1. The Services and all associated intellectual property rights are owned by Turris. You agree not to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained through our Services.

7. Limitation of Liability

7.1. Liability Caps. If there are Increased Claims, each party’s total cumulative liability for the Increased Claims arising out of or relating to this Agreement will not be more than the Increased Cap Amount. Each party’s total cumulative liability for all other claims arising out of or relating to this Agreement will not be more than the General CapAmount.

7.2. Damages Waiver. Each party’s liability for any claim or liability arising out of or relating to this Agreement will be limited to the fullest extent permitted by applicable laws. Under no circumstances will either party be liable to the other for lost profits or revenues, or for consequential, special, indirect, exemplary, punitive, or incidental damages relating to this Agreement, even if the party is informed of the possibility of this type of damage in advance.

7.3. Exceptions. The liability caps in Section 7.1 and the damages waiver in Section 7.2 do not apply to any Unlimited Claims. The damages waiver in Section 7.2 does not apply to any Increased Claims.

8. Indemnification

8.1. Protection by Provider. Provider will indemnify, defend, and hold harmless Customer from and against all Provider Covered Claims made by someone other than Customer, Customer’s affiliates, or employees, and all out-of-pocket damages, awards, settlements, costs, and expenses, including reasonable attorneys’ fees and other legal expenses, that arise from the Provider Covered Claim.

8.2 Customer will indemnify, defend, and hold harmless Provider from and against all Customer Covered Claims made by someone other than Provider or its affiliates, and all out-of-pocket damages, awards, settlements, costs, and expenses, including reasonable attorneys’ fees and other legal expenses, that arise from the Customer Covered Claim.

8.3 Exclusions. Provider’s obligations as an Indemnifying Party will not apply to Provider Covered Claims that result from (i) modifications to the Product that were not authorized by Provider or that were made in compliance with Customer’s instructions; (ii) unauthorized use of the Product, including use in violation of this Agreement; or (iii) use of the Product in combination with items not provided by Provider.

8.4 Exclusive Remedy. This Section 8 (Indemnification), together with any termination rights, describes each Protected Party’s exclusive remedy and each Indemnifying Party’s entire liability for a Covered Claim.

9. Warranties

9.1. From Customer. The Customer represents and warrants it is engaged in the business of insurance and has a permissible purpose for obtaining agency and agent reports (data found in the NIPR database) and that through the Turris Platform, the Customer will comply with the NIPR provisions found here: http://www.turrisfi.com/nipr-provisions

9.2 From Provider. Provider shall use reasonable efforts consistent with prevailing industry standards to maintain the Turris Platform in a manner which minimizes errors and interruptions.

9.3 The warranties in Section 9.2 do not apply to any misuse or unauthorized modification of the Product, nor to any product or service provided by anyone other than Provider. Except for the warranties in Section 9, Provider and Customer each disclaim all other warranties, whether express or implied, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. In relation to data purchased from NIPR on the Customer’s behalf: (i) neither Provider nor NIPR make any representation or warranty with respect to the NIPR data or the completeness or accuracy of the data in the NIPR data; (ii) express disclaimer of all warranties which extend beyond the description of the NIPR data, including without limitation the implied warranties of merchantability and fitness for a particular purpose. These disclaimers apply to the maximum extent permitted by applicable laws.

10. Confidentiality

10.1. Non-Use and Non-Disclosure. Unless otherwise authorized in the Agreement, Recipient will (a) only use Discloser’s Confidential Information to fulfill its obligations or exercise its rights under this Agreement; and (b)not disclose Discloser’s Confidential Information to anyone else. In addition,Recipient will protect Discloser’s Confidential Information using at least the same protections Recipient uses for its own similar information but no less than a reasonable standard of care.

10.2 Exclusions. Confidential Information does not include information that (a) Recipient knew without any obligation of confidentiality before disclosure by Discloser; (b) is or becomes publicly known and generally available through no fault of Recipient; (c) Recipient receives under no obligation of confidentiality from someone else who is authorized to make the disclosure; or (d) Recipient independently developed without use of or reference to Discloser’s Confidential Information.

10.3 Required Disclosures. Recipient may disclose Discloser’s Confidential Information to the extent required by applicable laws if, unless prohibited by applicable laws, Recipient provides the Disclosing Party reasonable advance notice of the required disclosure and reasonably cooperates, at the Discloser’s expense, with the Discloser’s efforts to obtain confidential treatment for the Confidential Information.

10.4 Permitted Disclosures. Recipient may disclose Discloser’s Confidential Information to users, employees, advisors, contractors, and representatives who each have a need to know the Confidential Information, but only if the person or entity is bound by confidentiality obligations at least as protective as those in this Section 10 and Recipient remains responsible for everyone’s compliance with the terms of this Section 10.

11. Governing Law

11.1. This Agreement shall be governed by the laws of the State of New York without regard to its conflict of laws provisions.

12. Survival

12.1. All sections of this Agreement which by their nature should survive termination, will survive termination, including, without limitation, accrued rights to payment, confidentiality disclaimers, warranty provisions, and limitations of liability.

13. Amendments

13.1. Turris reserves the right to modify or update this Agreement at any time. Any changes will be effective upon posting the revised Agreement on our website or notifying you via email. Your continued use of the Services after the effective date of the revised Agreement constitutes your acceptance of the updated terms.

14. Entire Agreement

14.1. Except in instances where you have a signed contract or agreement with Turris, this Agreement constitutes the entire agreement between you and Turris regarding the subject matter hereof and supersedes all prior or contemporaneous agreements, understandings, and communications, whether written or oral. If you have a signed contract or agreement with Turris, any provisions of that contract that are in conflict with these Terms and Conditions will take precedence over these Terms and Conditions.

‍

If you have any questions or concerns regarding this Agreement, please contact us at support@turrisfi.com.

By using our Services, you acknowledge that you have read, understood, and agreed to be bound by this Terms and Conditions Policy. Should these terms not be acceptable to you, we do offer an enterprise service that comes with a monthly minimum fee of $100, which can be secured with a negotiable contract. Any services you use that require a subscription fee will also be governed by an contract. Please inquire here: support@turrisfi.com