Terms and Conditions

Last Updated: July 4, 2026

These Terms and Conditions ("Terms") govern your access to and use of the Annapurna Insurance Solutions website, quote forms, appointment tools, agent application forms, dashboard features, AI-assisted tools, communications, and related services (collectively, the "Services"). By using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.

1. Company and Services

Annapurna Insurance Solutions is an independent insurance agency and agent-support platform. We help consumers and licensed insurance professionals access insurance education, quote support, appointment scheduling, carrier and administrator resources, agent onboarding, compliance-aware tools, and related business infrastructure. Insurance products are issued by third-party insurance carriers and are subject to carrier approval, underwriting, policy terms, and applicable law.

2. No Legal, Tax, Financial, Medical, or Investment Advice

The Services provide general information and operational support only. Content on the website, AI-assisted responses, product descriptions, calculators, examples, illustrations, and communications are not legal, tax, financial, investment, medical, or regulatory advice. You should consult qualified professionals regarding your specific circumstances.

3. Insurance Quotes, Applications, and Policies

Any quote, estimate, comparison, or eligibility indication is preliminary and based on available information and the information provided by you or a third party. Quotes are not a guarantee of coverage, premium, underwriting classification, policy issuance, cash value, investment performance, tax result, or claim payment.

Final premiums, benefits, exclusions, riders, waiting periods, fees, surrender charges, policy values, and availability are determined by the applicable insurance carrier after review of a complete application and any required underwriting. You are responsible for reviewing all carrier illustrations, applications, disclosures, policy documents, replacement forms, privacy notices, and other materials before purchasing, replacing, surrendering, borrowing against, or changing any insurance product.

4. Eligibility and Accounts

You must be at least 18 years old to use the Services for yourself, request insurance services, or apply for agent access. If you create an account, you are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You agree to notify us promptly of unauthorized access or suspected security issues.

5. User Responsibilities

• You will use the Services only for lawful purposes and in compliance with these Terms.
• You will provide accurate, current, and complete information when submitting forms, requesting quotes, scheduling calls, applying for agent access, uploading documents, or using dashboard tools.
• You will not impersonate another person, submit false information, interfere with the Services, attempt unauthorized access, bypass security controls, scrape content, upload malicious code, or use the Services in a manner that could harm Annapurna, users, carriers, vendors, or third parties.
• You will comply with all laws that apply to your use of the Services, including privacy, communications, intellectual property, insurance, licensing, advertising, and data security laws.

6. Communications Consent

By submitting your contact information, you authorize Annapurna Insurance Solutions and its representatives, licensed agents, vendors, or service providers to contact you by phone, text message, email, mail, chat, or similar methods regarding your inquiry, quote request, appointment, application, account, agent onboarding, policy servicing, or related services. Message and data rates may apply. Consent is not a condition of purchasing insurance. You may opt out of marketing communications, but service, transactional, compliance, or account messages may still be sent where permitted by law.

7. Agent and Contractor Use

Agent dashboard access, contracting workflows, AI tools, lead tools, commission tracking, microsites, documents, and related resources are available only to authorized users. Agents and contractors remain solely responsible for maintaining active licenses, E&O insurance where required, carrier appointments, continuing education, state and federal compliance, advertising compliance, client suitability, disclosure obligations, privacy obligations, recordkeeping, tax obligations, and all obligations under applicable carrier, administrator, platform, and independent contractor agreements.

8. AI-Assisted Tools

AI-assisted features, scripts, prompts, drafts, summaries, recommendations, compliance prompts, and workflow automations are support tools only. They may be incomplete, inaccurate, outdated, or inappropriate for a specific client, state, carrier, product, or transaction. Users must review all AI-assisted output before relying on or sending it. AI tools do not replace licensed insurance judgment, carrier underwriting, legal review, tax advice, suitability analysis, or compliance approval.

9. Third-Party Services

The Services may link to or integrate with third-party websites and services, including insurance carriers, quote engines, BackNine resources, calendar tools, payment processors, communication platforms, document systems, analytics tools, social media platforms, and AI providers. Third-party services are governed by their own terms and privacy policies. We are not responsible for third-party content, availability, pricing, underwriting decisions, claim decisions, security, errors, outages, or business practices.

10. No Government or Carrier Endorsement

Unless expressly stated in writing, Annapurna Insurance Solutions is not affiliated with or endorsed by any government agency. References to carriers, administrators, platforms, or vendors do not mean those parties endorse this website or are responsible for our content.

11. Intellectual Property

The Services, including website content, text, graphics, logos, videos, software, workflows, AI prompts, templates, dashboards, training materials, designs, and other materials, are owned by Annapurna Insurance Solutions or its licensors and are protected by intellectual property laws. You may use the Services only for their intended purpose. You may not copy, modify, distribute, sell, sublicense, reverse engineer, scrape, or create derivative works from our content or technology without written permission.

12. User Content and Submitted Information

You retain ownership of information and materials you submit, subject to any rights held by carriers, clients, employers, or other parties. By submitting information, you grant us the right to use, process, store, transmit, disclose, and display that information as needed to provide the Services, operate our business, comply with law, enforce agreements, and as described in our Privacy Policy. You represent that you have the right to submit the information and that it is accurate to the best of your knowledge.

13. Privacy and Security

Our collection and use of personal information is described in our Privacy Policy. You agree not to submit sensitive personal information except through forms or systems intended for that purpose. Users with access to client, lead, agent, or business information must protect that information from unauthorized access, use, disclosure, alteration, or destruction.

14. Service Availability and Changes

We may update, modify, suspend, limit, or discontinue any part of the Services at any time. We do not guarantee uninterrupted access, error-free operation, continued availability of any feature, or compatibility with every device, browser, vendor, carrier, or platform.

15. Disclaimers

The Services are provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, Annapurna Insurance Solutions disclaims warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and any warranties arising from course of dealing, course of performance, or usage of trade.

16. Limitation of Liability

To the fullest extent permitted by law, Annapurna Insurance Solutions and its owners, officers, employees, contractors, agents, vendors, licensors, and affiliates will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages, or for lost profits, lost revenue, lost data, loss of goodwill, business interruption, or third-party insurance, underwriting, claim, licensing, or regulatory decisions arising from or related to the Services.

To the fullest extent permitted by law, our total liability for any claim arising from or related to the Services will not exceed the greater of the amount you paid directly to Annapurna for the specific Service giving rise to the claim during the three months before the claim arose or one hundred dollars ($100).

17. Indemnification

You agree to defend, indemnify, and hold harmless Annapurna Insurance Solutions and its owners, officers, employees, contractors, agents, vendors, licensors, and affiliates from claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys' fees, arising from or related to your use of the Services, your submitted information, your violation of these Terms, your violation of law, your infringement of third-party rights, or your misuse of client, lead, agent, carrier, or business information.

18. Termination

We may suspend or terminate access to the Services at any time, with or without notice, if we believe you violated these Terms, created risk, misused the Services, submitted inaccurate information, violated law or carrier requirements, compromised data security, or otherwise harmed users, clients, carriers, vendors, or Annapurna. Upon termination, provisions that by their nature should survive will survive, including intellectual property, disclaimers, limitation of liability, indemnification, privacy, confidentiality, and dispute provisions.

19. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict of law principles, unless another jurisdiction's law is required by applicable law. Subject to any mandatory law to the contrary, the state and federal courts located in California will have jurisdiction over disputes arising from or related to these Terms or the Services.

20. Informal Resolution

Before filing a claim, you agree to contact us at info@annapurnacoverage.com and provide a reasonable description of the dispute and requested resolution. The parties will attempt in good faith to resolve the matter informally for at least 30 days, unless emergency injunctive relief is reasonably necessary or applicable law does not permit delay.

21. Changes to These Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a new "Last Updated" date. Your continued use of the Services after the updated Terms are posted means you accept the revised Terms.

22. Contact Us

Questions about these Terms may be directed to:

Annapurna Insurance Solutions
Email: info@annapurnacoverage.com
Phone: 707-656-2733