Terms of Service

Effective November 12, 2026

These Terms of Service ("Terms") are a contract between you and Jeremy Won, an individual doing business as Prevision ("Prevision", "we", "us" or "our"). They govern your use of the Prevision web app, the Prevision iPhone app, our websites and every related service (together, the "Service").

By pressing "I agree", by starting a trial or by using the Service, you accept these Terms. If you accept them for a business, you confirm you have authority to bind that business, and "you" means that business and you. If you do not agree, do not use the Service.

These Terms include an agreement to resolve disputes by individual arbitration and a waiver of class actions (section 21). Please read it.

1. Documents that are part of these Terms

The following documents are part of these Terms and bind you when you use the parts of the Service they cover:

• Acceptable Use Policy
• Data Processing Addendum, with the Subprocessors list it refers to
• Messaging and Calling Terms, which apply when you text or call through the Service
• AI Terms, which apply when you use Lexi or any other AI feature
• Refund and Cancellation Policy

Each is published at https://app.getprevision.com/legal. If a document conflicts with these Terms, these Terms control, except that the Data Processing Addendum controls for the processing of personal information. Our Privacy Policy explains how we handle information; it is not part of this contract.

2. Who may use the Service

You must be at least 18 years old and able to form a binding contract. The Service is for use in the United States by licensed insurance producers, insurance agencies, staff who work under a licensed producer's supervision, and people studying for a license who use only the study and recruiting features.

When you use the Service you confirm that you hold, and will keep, every insurance license and carrier appointment the law requires for the business you conduct with it, or that you work under the supervision of someone who does. You will remove a state from your settings as soon as you are no longer licensed there. We do not verify licenses and rely on your confirmation.

3. Accounts and users

The person or business that starts a subscription is the "Account Owner". The Account Owner may invite other people ("Users") to use the Service under its account. The Account Owner is responsible for every User it invites and for everything done under its account.

You will give accurate information, keep your sign-in details private, and tell us at once at support@getprevision.com if you believe your account has been used without permission. Each sign-in belongs to one person and may not be shared.

4. Trial, subscription and fees

Trial. A new account may start a free trial, 14 days unless the offer you accept says otherwise. A payment card is required to start it. We email you before the trial ends. Unless you cancel in Billing before then, your subscription starts and your card is charged the price shown at sign-up, per seat, every month or year until you cancel.

Subscription. The Service is sold per seat. A seat is each active User on the account, including the Account Owner. Fees are billed in advance for each monthly or yearly period, at the price shown when you subscribe. Adding a User adds a seat; the charge for it is prorated for the rest of the period. Removing a User takes effect at the next renewal.

Usage fees. We may bill usage, such as texts, calls, phone numbers and carrier registration fees, at the rates shown in the Service before you incur them. We may bill usage after the period it was used in. Fees that carriers and registries charge for your messaging registration are passed through at cost.

Automatic renewal. Your subscription renews automatically at the end of each period until you cancel. For a yearly plan, we email you at least 30 days before it renews. You authorize us and our payment processor to charge your payment method for every fee when due.

Taxes. Fees do not include taxes. You pay any sales, use or similar tax that applies, other than taxes on our income.

Price changes. We will tell you at least 30 days before a price increase takes effect. It applies from your next renewal after that notice. If you do not agree, cancel before then.

Late payment. If a charge fails, we will retry it. If it still has not been paid 14 days after it was due, we may limit your account to read only until it is paid, and may cancel the subscription.

5. Cancellation and refunds

You may cancel at any time from Billing in the Service. Cancellation takes effect at the end of the current paid period, and you keep access until then. Refunds are governed by the Refund and Cancellation Policy. Except as that policy or the law requires, fees are not refundable.

If you dispute a charge with your card issuer instead of contacting us, we may suspend the account while the dispute is open. If the charge was valid, you still owe it, plus any dispute fee our payment processor charges us.

6. Your data

"Customer Data" means everything you or your Users put into the Service, including information about your leads, clients and policies, messages, call recordings and files.

You own your Customer Data. You give us a limited license to host, copy, process, transmit and display it only as needed to provide and support the Service, to keep it secure, and as the law requires. We do not sell Customer Data.

You are responsible for your Customer Data: for having the right to collect it, put it in the Service and use it as you do, for any notice and consent the law requires, and for its accuracy. We process personal information in Customer Data on your behalf as your service provider under the Data Processing Addendum.

When your subscription ends, your account stays read only for 90 days so you can export your data. After that we delete Customer Data from the live Service, and from backups as they expire, unless the law requires us to keep it.

We may use de-identified, aggregated data, such as which message openers get replies across accounts, to run, secure and improve the Service. It never identifies you or any person.

7. Texting and calling

The Service lets you send texts, place calls, run the Power dialer and record calls. When you do, you are the sender and caller. Every message and call is yours, not ours.

You are solely responsible for complying with every law and rule that applies to your messages and calls. These include the Telephone Consumer Protection Act and the FCC's rules under it, the Telemarketing Sales Rule where it applies, the Florida Telephone Solicitation Act and other state telemarketing laws, do not call rules, call recording consent laws, CAN-SPAM, carrier and CTIA requirements, and the Messaging and Calling Terms.

The tools in the Service that help with compliance, such as opt out handling, calling hours, the do not contact list and number health, are aids. They do not guarantee compliance and do not shift your responsibility to us.

8. AI features

The Service includes features that use artificial intelligence, including Lexi. AI output can be wrong, incomplete or inappropriate. You are responsible for supervising every AI feature you turn on, for what it says on your behalf, and for reviewing any output before you rely on it. The AI Terms apply.

9. Insurance business

We are a software provider. We are not an insurer, insurance agency, broker, producer or carrier, and we do not give insurance, legal, tax or financial advice. Quotes, underwriting guides, carrier information, forms and calculations in the Service are reference tools and may be out of date or wrong. You are responsible for every recommendation, application, sale and replacement you make, for suitability, for your carriers' rules, and for the insurance laws that apply to you.

10. Acceptable use

You will follow the Acceptable Use Policy. You will not, and will not let anyone else, copy, resell, sublicense or frame the Service, reverse engineer it except as the law allows, test its security without our written permission, get around its limits or security, or use it to build a competing product.

11. Third-party services

The Service works with services we do not control, such as phone carriers, messaging registries, calendar providers, payment processors and AI model providers. Your use of them may be subject to their terms. We are not responsible for them, and a carrier or registry may block, filter or delay messages and calls for reasons we cannot control.

Phone numbers are provided through our carriers. They are not your property. If your subscription ends, numbers on your account may be released after 30 days unless you ask to move them to another provider before then and the carrier allows it.

12. Our property

We and our licensors own the Service, including its software, design, text and trademarks. These Terms give you a limited, non-exclusive, non-transferable right to use the Service during your subscription for your own business. If you send us ideas or feedback, we may use them without any obligation to you.

13. Confidentiality

Each of us will keep the other's non-public business information confidential, use it only to perform under these Terms, and protect it with reasonable care. This does not cover information that is public through no fault of the receiving party, was already known to it, or was independently developed. A party may disclose confidential information when the law requires, after giving notice where allowed.

14. Suspension

We may suspend all or part of the Service for an account, without liability, in any of these cases:

• We reasonably believe it is needed to prevent harm to the Service, other customers, recipients or the public.
• The account violates these Terms or the Acceptable Use Policy.
• A carrier, registry or authority requires it.
• Fees are unpaid.

We will tell you, and restore the Service once the reason is resolved, where we can.

15. Term and termination

These Terms apply from your first acceptance until your account is closed. You may close your account by canceling your subscription, and you may ask us at any time to delete your account. We may end these Terms on 30 days' notice for any reason. If we do, we refund prepaid fees for the unused time. We may also end them at once if you materially breach them and do not cure the breach within 10 days of notice, or at once for a breach that cannot be cured. Sections 4 (for fees owed), 6 through 9, 11 through 13 and 16 through 24 survive the end of these Terms.

16. Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE, THAT MESSAGES OR CALLS WILL BE DELIVERED, THAT AI OUTPUT WILL BE ACCURATE, OR THAT USE OF THE SERVICE WILL MAKE YOU COMPLIANT WITH ANY LAW.

17. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS, NEITHER PARTY IS LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, COMMISSIONS, BUSINESS OR DATA, EVEN IF TOLD THEY WERE POSSIBLE.

TO THE FULLEST EXTENT THE LAW ALLOWS, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR 100 US DOLLARS.

These limits do not apply to your payment obligations, to your obligations under section 18, or to liability that the law does not allow to be limited.

18. Your indemnity

You will defend, indemnify and hold harmless us and our contractors and service providers from every claim, demand, fine, penalty, loss, damage, cost and expense, including reasonable attorneys' fees, that arises from or relates to any of these:

• Your or your Users' messages and calls, including claims under the Telephone Consumer Protection Act, the Florida Telephone Solicitation Act or any similar law.
• Your Customer Data, and how you collected and used it.
• Your insurance business.
• Your use of AI features.
• Your or your Users' breach of these Terms or of any law.

We will tell you promptly of any claim, let you control the defense, and cooperate at your expense. We may take over our own defense at your cost if you do not defend promptly or a regulator is involved. You may not settle a claim in a way that admits fault for us or binds us without our written consent.

19. Changes to the Service and these Terms

We may change the Service. We will not materially reduce the core features of a paid plan during a period you have paid for.

We may update these Terms or any document in section 1. We will post the new version with its effective date. For a material change we will also tell you in the Service or by email at least 30 days before it takes effect, and may ask you to accept it before you keep using the Service. If you do not agree, cancel before it takes effect.

20. Electronic records

You agree that we may give you notices, agreements and records electronically, including in the Service and by email, and that your electronic acceptance has the same effect as a signature. We keep a record of each acceptance, including the words you accepted, the time and the device information.

21. Disputes, arbitration and class waiver

Informal resolution. Before starting any proceeding, the party with a dispute will send the other a written description of it and both will try in good faith to resolve it for 30 days. Notices to us go to support@getprevision.com.

Arbitration. Any dispute arising from or relating to the Service or these Terms that is not resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will be held in Florida, or by video if both parties agree. The arbitrator may award the same individual relief a court could, and judgment on the award may be entered in any court with jurisdiction. The Federal Arbitration Act governs this section.

Exceptions. Either party may bring an individual claim in small claims court, and either party may ask a court for an injunction to protect its intellectual property or confidential information.

Class waiver. Claims may be brought only in a party's individual capacity, and not as a plaintiff or class member in any class, collective or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this class waiver is found unenforceable for a claim, that claim will be heard in court and not in arbitration.

Mass filings. If 25 or more similar claims are filed against us by or with the help of the same counsel, they proceed under the American Arbitration Association's Mass Arbitration Supplementary Rules, in batches.

JURY WAIVER. TO THE EXTENT A DISPUTE IS HEARD IN COURT, EACH PARTY WAIVES ITS RIGHT TO A JURY TRIAL.

22. Governing law and venue

These Terms are governed by the laws of the State of Florida and of the United States, without regard to conflict of law rules. Subject to section 21, the state and federal courts located in Florida have exclusive jurisdiction, and each party consents to them.

23. Apple

If you got the iPhone app from the Apple App Store: these Terms are between you and us, not Apple, and we, not Apple, are responsible for the app and its content. Your license to the app is limited to Apple-branded devices you own or control, as the App Store's usage rules allow. Apple has no duty to provide maintenance or support for the app. If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any; to the fullest extent the law allows, Apple has no other warranty obligation for the app. Apple is not responsible for any claim relating to the app or your use of it, including product liability, failure to meet any legal or regulatory requirement, consumer protection, privacy or intellectual property claims; we are, subject to these Terms. You confirm you are not located in a country subject to a US government embargo and are not on any US government list of prohibited or restricted parties. Questions, complaints and claims about the app go to us at support@getprevision.com. Apple and its subsidiaries are third-party beneficiaries of this section and may enforce it.

24. General

These Terms, with the documents in section 1, are the entire agreement between you and us about the Service and replace any earlier agreement on the subject. If any part is unenforceable, the rest stays in effect. A failure to enforce a right is not a waiver of it.

You may not assign these Terms without our written consent. We may assign them to an affiliate or a successor, including a company we form to carry on the Service. When we assign them to a company we form, it takes on our obligations and the individual operator is released from them.

Features marked beta or preview are provided as is, may change or end at any time, and carry no commitment.

You will not use the Service for anyone in a country under a US embargo or on a US government list of prohibited or restricted parties.

Neither party is liable for delay caused by events beyond its reasonable control. The parties are independent contractors. There are no third-party beneficiaries except as section 23 states. Notices to you may be sent to the email address on your account.

25. Contact

Jeremy Won, doing business as Prevision
support@getprevision.com