Terms of Service
Last Updated: July 22, 2026
1. Introduction and Acceptance of Terms
Welcome to Viscusi Enterprises LLC ("Viscusi Enterprises," "Company," "we," "us," or "our").
These Terms of Service ("Terms") govern your access to and use of our customer relationship management platform, websites, software, lead services, and related products or services (collectively, the "Services").
By creating an account, accessing our CRM platform, purchasing leads, or using any of our Services, you agree to be bound by these Terms and any additional agreements or policies referenced within them.
If you do not agree to these Terms, you may not access or use our Services.
These Terms apply to all users of our platform, including insurance agents, producers, agencies, contractors, administrators, and other authorized users ("Users").
These Terms should be read together with our Privacy Policy, Exclusive Lead Purchase Agreement, Exclusive Lead Replacement Policy, and any other agreements that apply to specific Services.
2. Eligibility and Account Requirements
To use our Services, you must:
Be at least 18 years old;
Provide accurate and complete information;
Maintain any licenses or qualifications required to perform insurance-related activities;
Comply with all applicable laws, regulations, and industry requirements; and
Use the Services only for lawful business purposes.
If you are accessing the Services on behalf of an agency or organization, you represent that you have authority to act on behalf of that organization.
Viscusi Enterprises LLC reserves the right to refuse service, restrict access, or terminate accounts that do not meet these requirements.
3. Account Registration and Security
To access certain features of our Services, you may be required to create an account.
You agree to:
Provide accurate registration information;
Keep your account information current;
Maintain the confidentiality of your login credentials;
Use reasonable security practices to protect your account;
Notify us promptly of unauthorized access or suspected security issues.
You are responsible for all activity conducted through your account unless caused by unauthorized access that was not due to your actions or negligence.
Accounts are intended for individual use unless otherwise approved by Viscusi Enterprises LLC.
You may not:
Share your login credentials with unauthorized individuals;
Allow others to access your account without permission;
Create accounts using false information.
4. Use of the CRM Platform
Viscusi Enterprises LLC provides CRM tools designed to help insurance professionals manage business activities, customer relationships, leads, and related information.
You agree to use the CRM only for legitimate business purposes.
You are responsible for:
Managing your contacts and leads appropriately;
Maintaining accurate information;
Following applicable insurance laws;
Following communication laws and regulations;
Ensuring your activities comply with applicable licensing requirements.
The CRM platform is provided as a business tool and does not guarantee sales, commissions, customer responses, or insurance approvals.
5. Agent Responsibilities and Licensing
Users who engage in insurance-related activities through our Services are solely responsible for maintaining all required licenses, certifications, appointments, and authorizations.
You agree that:
Information provided to Viscusi Enterprises LLC regarding your licensing status is accurate;
You will only conduct insurance activities in states where you are properly licensed;
You will follow all applicable insurance regulations;
You will comply with all applicable marketing, advertising, and communication requirements.
Viscusi Enterprises LLC does not provide legal, regulatory, or compliance advice and does not guarantee that your use of the Services satisfies your individual licensing obligations.
6. Lead Management and Lead Usage
Certain Services may include access to insurance leads, consumer inquiries, or other prospect information.
Users agree that:
Leads may only be used for legitimate insurance-related purposes;
Leads may not be sold, transferred, or redistributed without written permission;
Users must comply with applicable communication laws;
Users are responsible for their own communications with leads;
Users must maintain accurate records of their activities.
Lead availability, quality, pricing, and delivery methods may vary depending on the Service purchased.
Additional terms regarding lead purchases may be provided in a separate Lead Purchase Agreement.
7. Payments and Purchases
Certain features of our Services may require payment, including but not limited to lead purchases, subscriptions, software access, or other products and services.
By purchasing any paid Services from Viscusi Enterprises LLC, you agree to:
Provide accurate billing and payment information;
Authorize us or our third-party payment processors to charge applicable fees;
Pay all charges associated with your account;
Maintain valid payment information;
Promptly update payment information if changes occur.
Prices, fees, and available Services may change from time to time. Any changes to pricing will apply prospectively and will not affect purchases already completed unless otherwise agreed.
You are responsible for all charges made through your account unless the charges resulted from unauthorized access caused by a security issue outside of your control.
Failure to complete payment obligations may result in suspension or termination of access to certain Services.
8. Refunds, Credits, and Disputes
Refund policies may vary depending on the product or service purchased.
Certain purchases, including lead purchases, may be governed by separate refund, replacement, or credit policies.
Unless otherwise stated:
Refund requests must be submitted within the applicable timeframe;
Users may be required to provide information supporting a refund request;
Refunds may not be available for issues caused by inaccurate information, misuse of Services, failure to follow applicable laws, or user error.
Viscusi Enterprises LLC reserves the right to investigate payment disputes, refund requests, and account activity before issuing refunds or credits.
Users agree to attempt to resolve billing disputes directly with Viscusi Enterprises LLC before initiating payment disputes, chargebacks, or other financial reversals.
Unauthorized chargebacks or payment reversals may result in account suspension or termination.
9. Prohibited Activities
You agree not to use our Services for any unlawful, fraudulent, abusive, or unauthorized purpose.
You may not:
Provide false, inaccurate, or misleading account information;
Use another person's account without authorization;
Share login credentials with unauthorized users;
Attempt to access restricted areas of the platform;
Interfere with the operation or security of our Services;
Upload malicious software, viruses, or harmful code;
Reverse engineer, copy, modify, or attempt to recreate our software or systems;
Scrape, extract, or collect platform data without authorization;
Resell, distribute, or misuse leads or information obtained through our Services;
Use consumer information for purposes unrelated to legitimate insurance activities;
Contact individuals in violation of applicable laws or regulations;
Engage in deceptive, fraudulent, or misleading insurance practices;
Circumvent security measures or usage restrictions.
Violations of these requirements may result in suspension or termination of your account and may result in legal action where appropriate.
10. Intellectual Property
All aspects of the Services provided by Viscusi Enterprises LLC, including but not limited to:
Software;
Platform design;
Website content;
Logos;
Branding;
Text;
Graphics;
Features;
Processes;
Documentation;
Systems; and
Other proprietary materials
are owned by or licensed to Viscusi Enterprises LLC and are protected by applicable intellectual property laws.
Your use of the Services does not grant you ownership rights in any part of the platform.
You may not:
Copy or reproduce the Services;
Modify or create derivative works;
Sell or redistribute access to the platform;
Use our branding without permission;
Remove ownership notices or legal notices.
Subject to these Terms, Viscusi Enterprises LLC grants you a limited, non-exclusive, non-transferable right to access and use the Services for approved business purposes.
11. Third-Party Services
Our Services may integrate with or rely on third-party providers, including:
Payment processors;
Communication providers;
Analytics providers;
Hosting providers;
Advertising platforms;
Other software integrations.
Third-party services are governed by their own terms and privacy policies.
Viscusi Enterprises LLC is not responsible for the availability, performance, security, or practices of third-party services.
Your use of third-party services may require acceptance of additional agreements.
12. Platform Availability and Changes
We work to maintain reliable access to our Services, but we do not guarantee that the platform will always be available, uninterrupted, or error-free.
We may:
Modify features;
Add or remove functionality;
Update systems;
Perform maintenance;
Temporarily suspend access.
We may make changes to the Services at any time to improve performance, security, compliance, or user experience.
We are not responsible for losses caused by temporary outages, maintenance, technical issues, or events outside our reasonable control.
13. Suspension and Termination
Viscusi Enterprises LLC reserves the right to suspend, restrict, or terminate your access to the Services at any time if we reasonably believe that you:
Violate these Terms of Service;
Violate any applicable law or regulation;
Provide inaccurate or misleading information;
Misuse leads or consumer information;
Engage in fraudulent, abusive, or harmful activity;
Create security risks for the platform or other users;
Fail to meet payment obligations; or
Engage in conduct that may harm Viscusi Enterprises LLC, our users, partners, or consumers.
We may suspend access while investigating suspected violations.
If your account is terminated:
Your right to access the Services will immediately end;
You remain responsible for any outstanding payments or obligations;
Certain information may be retained as required for legal, security, accounting, or compliance purposes;
Termination does not waive any rights or remedies available to Viscusi Enterprises LLC.
You may stop using the Services at any time. If you wish to close your account, you may contact us using the information provided in these Terms.
14. Disclaimers
The Services provided by Viscusi Enterprises LLC are intended to provide technology tools, CRM functionality, and business resources for insurance professionals.
You acknowledge and agree that:
We do not guarantee insurance sales, commissions, revenue, conversions, or business results;
We do not guarantee that any lead will result in a successful contact, appointment, application, policy placement, or sale;
Insurance decisions, underwriting decisions, and policy approvals are determined by applicable insurance companies and underwriting processes;
Users are responsible for their own insurance activities, communications, compliance obligations, and business decisions.
The Services are provided on an "as available" and "as is" basis to the maximum extent permitted by law.
Viscusi Enterprises LLC does not guarantee that:
The Services will always be available;
The platform will be free of errors;
Information provided through the Services will always be complete or accurate;
Leads or customer information will meet specific business expectations.
Users are responsible for independently evaluating information obtained through the Services.
15. Limitation of Liability
To the maximum extent permitted by applicable law, Viscusi Enterprises LLC and its owners, employees, contractors, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to:
Your use or inability to use the Services;
Lost revenue, profits, commissions, or business opportunities;
Loss of data;
Service interruptions;
Reliance on information obtained through the platform;
Actions taken by other users;
Lead performance or conversion results.
To the maximum extent permitted by law, the total liability of Viscusi Enterprises LLC relating to the Services shall not exceed the amount paid by you to Viscusi Enterprises LLC during the twelve (12) months immediately preceding the event giving rise to the claim.
Some jurisdictions may not allow certain limitations of liability, so some limitations may not apply to you.
16. Indemnification
You agree to defend, indemnify, and hold harmless Viscusi Enterprises LLC and its owners, employees, contractors, partners, and affiliates from claims, damages, liabilities, losses, expenses, and costs (including reasonable attorneys' fees) arising from:
Your use of the Services;
Your violation of these Terms;
Your violation of applicable laws or regulations;
Your insurance activities;
Your communications with consumers;
Your misuse of leads or personal information;
Your infringement of another party's rights.
This obligation applies to claims arising from your actions, omissions, or misuse of the Services.
17. Governing Law and Dispute Resolution
These Terms shall be governed by and interpreted in accordance with the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles.
Except for disputes that qualify for small claims court or requests for emergency injunctive relief, any dispute arising out of or relating to these Terms or the Services shall be resolved through final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, conducted in Philadelphia County, Pennsylvania.
You and Company agree that any arbitration or proceeding shall be conducted only on an individual basis and not as part of a class, collective, or representative action, and both parties waive any right to participate in a class action.
Before initiating arbitration, the parties agree to make reasonable efforts to resolve disputes through good-faith communication.
Nothing in this section prevents either party from seeking emergency legal relief when necessary to protect rights, confidential information, intellectual property, or security interests.
18. Changes to These Terms
Viscusi Enterprises LLC may update these Terms from time to time to reflect:
Changes to our Services;
Changes to business practices;
Legal or regulatory requirements;
Security improvements; or
New features.
When changes are made, we will update the "Last Updated" date.
For significant changes, we may provide additional notice when appropriate.
Your continued use of the Services after updated Terms become effective means you agree to the revised Terms.
19. Contact Information
If you have questions regarding these Terms of Service, please contact:
Viscusi Enterprises LLC
Phone:
(202) 961-6417
Mailing Address:
30 S 15th St Ste 1550, PMB 765122, Philadelphia, Pennsylvania 19102-4806, US
Email:
viscusienterprises@gmail.com