Terms of Service
Unity Financial Group, LLC
TERMS OF SERVICE
Effective Date: October 1, 2025
Welcome to Unity Financial Group, LLC ("Unity Financial Group," "Company," "we," "us," or "our"). These Terms of Service ("Terms" or "Agreement") govern your access to and use of our website, platform, software, applications, APIs, lead generation services, fraud detection services, and any related products or services (collectively, the "Services").
BY ACCESSING OR USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THE SERVICES.
1. ACCEPTANCE OF TERMS
1.1 Agreement to Terms. By accessing, browsing, or using the Services, you represent and warrant that you have read, understand, and agree to be bound by these Terms. You further represent that you have the legal capacity and authority to enter into this Agreement on your own behalf or on behalf of the entity you represent.
1.2 Eligibility. To use the Services, you must: (a) be at least 18 years of age; (b) have the legal capacity to enter into a binding contract; (c) not be a competitor of Unity Financial Group or using the Services for competitive purposes; and (d) comply with all applicable laws and regulations.
1.3 Modifications. Unity Financial Group reserves the right to modify these Terms at any time in its sole discretion. Changes will be effective immediately upon posting to our website. Your continued use of the Services following any changes constitutes acceptance of the modified Terms. It is your responsibility to review these Terms periodically.
2. DESCRIPTION OF SERVICES
2.1 Services Overview. Unity Financial Group provides lead generation services, anti-fraud and fraud detection software (including ClosrIQ), data analytics, compliance tools, and related technology solutions for the insurance industry and other commercial purposes.
2.2 Service Modifications. Unity Financial Group reserves the right to modify, suspend, discontinue, or terminate any aspect of the Services at any time, with or without notice, for any reason. You agree that Unity Financial Group shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Services.
2.3 Third-Party Integrations. The Services may integrate with or provide access to third-party services, platforms, or content. Unity Financial Group is not responsible for any third-party services and your use of such services is at your own risk and subject to the terms and policies of those third parties.
3. ACCOUNT REGISTRATION AND SECURITY
3.1 Account Creation. You may be required to create an account to access certain features of the Services. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.
3.2 Account Security. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify Unity Financial Group immediately of any unauthorized use of your account or any other breach of security.
3.3 Account Termination.Unity Financial Group reserves the right to suspend, disable, or terminate your account at any time, for any reason or no reason, with or without notice, including but not limited to suspected violations of these Terms.
4. FEES AND PAYMENT
4.1 Pricing. Fees for the Services are as set forth on our website or in a separate written agreement. All fees are quoted in U.S. dollars unless otherwise specified.
4.2 Payment Terms. Payment is due in accordance with the terms specified at the time of purchase or in your service agreement. All fees are non-refundable except as expressly set forth herein or required by applicable law.
4.3 Taxes. You are responsible for all applicable taxes, levies, or duties imposed by taxing authorities in connection with your use of the Services, excluding taxes based on Unity Financial Group's net income.
4.4 Late Payments. Late payments shall accrue interest at the rate of 1.5% per month or the maximum rate permitted by law, whichever is lower. You shall be responsible for all costs of collection, including reasonable attorneys' fees.
4.5 ALL SALES FINAL. ALL PURCHASES AND PAYMENTS FOR SERVICES ARE FINAL AND NON-REFUNDABLE. YOU ACKNOWLEDGE AND AGREE THAT ALL SALES ARE FINAL, AND NO REFUNDS, CREDITS, OR EXCHANGES WILL BE PROVIDED UNDER ANY CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO DISSATISFACTION WITH THE SERVICES, LEAD QUALITY, CONVERSION RATES, OR BUSINESS RESULTS. BY MAKING A PURCHASE, YOU EXPRESSLY WAIVE ANY RIGHT TO A REFUND.
4.6 WAIVER OF RIGHT TO DISPUTE CHARGES. YOU EXPRESSLY AND IRREVOCABLY WAIVE ANY RIGHT TO DISPUTE, CONTEST, OR CHALLENGE ANY CHARGES MADE BY Unity Financial Group TO YOUR PAYMENT METHOD. BY PROVIDING YOUR PAYMENT INFORMATION AND USING THE SERVICES, YOU AUTHORIZE ALL CHARGES AND AGREE THAT SUCH CHARGES ARE VALID, ACCURATE, AND NON-DISPUTABLE.
4.7 PROHIBITION ON CHARGEBACKS. YOU AGREE THAT YOU WILL NOT INITIATE, FILE, OR OTHERWISE PURSUE ANY CHARGEBACK, PAYMENT DISPUTE, OR REVERSAL OF CHARGES WITH YOUR BANK, CREDIT CARD COMPANY, PAYMENT PROCESSOR, OR ANY OTHER FINANCIAL INSTITUTION FOR ANY PAYMENTS MADE TO Unity Financial Group. YOU ACKNOWLEDGE THAT INITIATING A CHARGEBACK CONSTITUTES A MATERIAL BREACH OF THIS AGREEMENT.
4.8 CONSEQUENCES OF CHARGEBACKS OR PAYMENT DISPUTES. IF YOU INITIATE A CHARGEBACK, PAYMENT DISPUTE, OR REVERSAL OF ANY CHARGE, YOU AGREE THAT: (A) Unity Financial Group MAY IMMEDIATELY SUSPEND OR TERMINATE YOUR ACCOUNT AND ACCESS TO ALL SERVICES; (B) Unity Financial Group MAY PURSUE ALL AVAILABLE LEGAL REMEDIES AGAINST YOU, INCLUDING BUT NOT LIMITED TO CIVIL LITIGATION AND COLLECTIONS; (C) YOU SHALL BE LIABLE FOR AND AGREE TO PAY ALL ATTORNEYS' FEES, COURT COSTS, COLLECTION AGENCY FEES, AND ANY OTHER COSTS OR EXPENSES INCURRED BY Unity Financial Group IN RECOVERING THE DISPUTED AMOUNT AND ENFORCING THIS AGREEMENT; (D) YOU SHALL PAY A CHARGEBACK ADMINISTRATION FEE OF $250.00 PER OCCURRENCE IN ADDITION TO THE ORIGINAL CHARGE AMOUNT; AND (E) ANY OUTSTANDING BALANCE, INCLUDING FEES AND COSTS, MAY BE SENT TO COLLECTIONS AND REPORTED TO CREDIT BUREAUS.
4.9 Acknowledgment. BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THE TERMS SET FORTH IN SECTIONS 4.5 THROUGH 4.8, AND THAT THESE TERMS ARE MATERIAL TO Unity Financial Group'S WILLINGNESS TO PROVIDE THE SERVICES TO YOU.
5. INTELLECTUAL PROPERTY RIGHTS
5.1 Ownership. All right, title, and interest in and to the Services, including all intellectual property rights therein (including but not limited to patents, copyrights, trademarks, trade secrets, algorithms, data models, software code, methodologies, and proprietary processes), are and shall remain the exclusive property of Unity Financial Group and its licensors. Nothing in these Terms grants you any ownership interest in the Services.
5.2 Limited License. Subject to your compliance with these Terms, Unity Financial Group grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your internal business purposes during the term of this Agreement.
5.3 Restrictions. You shall not: (a) copy, modify, adapt, translate, or create derivative works of the Services; (b) reverse engineer, disassemble, decompile, or otherwise attempt to derive the source code or underlying algorithms of the Services; (c) rent, lease, loan, sell, sublicense, distribute, or otherwise transfer the Services to any third party; (d) remove, alter, or obscure any proprietary notices on the Services; (e) use the Services to develop a competing product or service; (f) access the Services to benchmark or for competitive analysis; or (g) use any automated means to access, scrape, or collect data from the Services.
5.4 Feedback. If you provide any feedback, suggestions, or ideas regarding the Services ("Feedback"), you hereby assign to Unity Financial Group all right, title, and interest in and to such Feedback, and Unity Financial Group shall be free to use, disclose, reproduce, license, and otherwise exploit such Feedback without any obligation or compensation to you.
6. USER CONTENT AND DATA
6.1 User Content. You retain ownership of any data, content, or materials you submit to the Services ("User Content"). By submitting User Content, you grant Unity Financial Group a worldwide, royalty-free, perpetual, irrevocable, non-exclusive, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in connection with providing, improving, and promoting the Services.
6.2 Aggregated Data. Unity Financial Group may collect, aggregate, and anonymize data derived from your use of the Services ("Aggregated Data"). Unity Financial Group owns all right, title, and interest in Aggregated Data and may use such data for any lawful purpose, including to improve the Services, develop new products, and for analytics and benchmarking purposes.
6.3 Data Accuracy. You are solely responsible for the accuracy, quality, and legality of User Content and the means by which you acquired such data. Unity Financial Group disclaims all liability for any errors or omissions in User Content.
7. PROHIBITED CONDUCT
You agree not to: (a) violate any applicable law, regulation, or third-party right; (b) use the Services for any fraudulent, illegal, or unauthorized purpose; (c) transmit any viruses, malware, or other harmful code; (d) interfere with or disrupt the integrity or performance of the Services; (e) attempt to gain unauthorized access to the Services or related systems; (f) use the Services to send spam or unsolicited communications; (g) impersonate any person or entity; (h) collect or harvest any information from the Services without authorization; (i) use the Services in any manner that could damage, disable, overburden, or impair the Services; or (j) assist any third party in doing any of the foregoing.
8. DISCLAIMER OF WARRANTIES
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. Unity Financial Group DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Unity Financial Group MAKES NO WARRANTY REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY DATA, LEADS, OR INFORMATION PROVIDED THROUGH THE SERVICES.
YOU ACKNOWLEDGE THAT LEAD GENERATION AND FRAUD DETECTION SERVICES ARE INHERENTLY IMPERFECT AND THAT Unity Financial Group CANNOT GUARANTEE ANY SPECIFIC RESULTS, CONVERSION RATES, OR THE ACCURACY OF FRAUD DETECTION. YOUR USE OF THE SERVICES AND RELIANCE ON ANY DATA OR INFORMATION IS AT YOUR SOLE RISK.
9. LIMITATION OF LIABILITY
9.1 Exclusion of Damages. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL Unity Financial Group, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF Unity Financial Group HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
9.2 Cap on Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Unity Financial Group'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO Unity Financial Group IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).
9.3 Essential Purpose. The limitations of liability set forth in this Section shall apply even if any limited remedy fails of its essential purpose.
10. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Unity Financial Group and its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your violation of any third-party right, including any intellectual property, privacy, or publicity right; (e) any User Content you submit; (f) any dispute between you and any third party; or (g) any claim that your use of the Services caused damage to a third party.
Unity Financial Group reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with Unity Financial Group's defense of such claims. You shall not settle any claim without Unity Financial Group's prior written consent.
11. DISPUTE RESOLUTION
11.1 Governing Law. These Terms and any dispute arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.
11.2 MANDATORY ARBITRATION. EXCEPT FOR DISPUTES THAT QUALIFY FOR SMALL CLAIMS COURT, ANY DISPUTE, CONTROVERSY, OR CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL BE RESOLVED BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES. THE ARBITRATION SHALL BE CONDUCTED IN BROWARD COUNTY, FLORIDA, BEFORE A SINGLE ARBITRATOR. THE ARBITRATOR'S DECISION SHALL BE FINAL AND BINDING, AND JUDGMENT ON THE AWARD MAY BE ENTERED IN ANY COURT OF COMPETENT JURISDICTION.
11.3 CLASS ACTION WAIVER. YOU AND Unity Financial Group AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION. YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST Unity Financial Group. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE, CLASS, OR CONSOLIDATED PROCEEDING.
11.4 JURY TRIAL WAIVER. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND Unity Financial Group EACH WAIVE THE RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES.
11.5 Exclusive Jurisdiction. For any disputes not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Broward County, Florida. You waive any objection to the exercise of jurisdiction over you by such courts and to venue in such courts.
11.6 Time Limitation. Any claim or cause of action arising out of or related to these Terms or the Services must be filed within ONE (1) YEAR after the claim arose, or such claim is permanently barred.
11.7 Injunctive Relief. Notwithstanding the foregoing, Unity Financial Group may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights, confidential information, or to prevent irreparable harm.
11.8 Prevailing Party. In any arbitration, litigation, or other proceeding to enforce these Terms, the prevailing party shall be entitled to recover its reasonable attorneys' fees, costs, and expenses from the non-prevailing party.
12. CONFIDENTIALITY
12.1 Confidential Information. You acknowledge that in connection with your use of the Services, you may have access to non-public information regarding Unity Financial Group's business, technology, pricing, customers, and operations ("Confidential Information"). You agree to maintain the confidentiality of all Confidential Information and not to disclose or use such information except as necessary to use the Services in accordance with these Terms.
12.2 Survival. Your confidentiality obligations shall survive termination of these Terms for a period of five (5) years.
13. TERM AND TERMINATION
13.1 Term. These Terms are effective upon your first access to or use of the Services and continue until terminated.
13.2 Termination by Unity Financial Group. Unity Financial Group may terminate or suspend your access to the Services at any time, for any reason or no reason, with or without notice, in its sole discretion.
13.3 Effect of Termination. Upon termination: (a) your right to access and use the Services immediately ceases; (b) you remain liable for all amounts due; and (c) Sections 5, 6, 8, 9, 10, 11, 12, 14, and 15 shall survive termination.
13.4 Data Deletion. Upon termination, Unity Financial Group may delete all User Content and data associated with your account. Unity Financial Group shall have no obligation to retain or provide access to any such data after termination.
14. ADDITIONAL PROTECTIVE PROVISIONS
14.1 No Third-Party Beneficiaries. These Terms are for the sole benefit of the parties hereto and do not create any third-party beneficiary rights.
14.2 No Fiduciary Relationship. Nothing in these Terms creates any fiduciary, agency, partnership, joint venture, or employment relationship between you and Unity Financial Group.
14.3 Force Majeure. Unity Financial Group shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, pandemics, government actions, power failures, internet outages, or third-party service failures.
14.4 Assumption of Risk. You expressly acknowledge and assume all risks associated with using the Services, including risks related to lead quality, data accuracy, fraud detection effectiveness, and any business decisions made in reliance on information provided through the Services.
14.5 No Reliance. Unity Financial Group does not provide legal, financial, tax, or professional advice. You should consult with qualified professionals before making any business decisions based on information obtained through the Services.
14.6 Release. You hereby release Unity Financial Group and its affiliates, officers, directors, employees, and agents from any and all claims, demands, damages, losses, and causes of action arising out of or related to your use of the Services or any dispute with any third party.
14.7 Limitation on Time to File Claims. Any cause of action or claim you may have arising out of or relating to these Terms or the Services must be commenced within one (1) year after the cause of action accrues; otherwise, such cause of action or claim is permanently barred.
14.8 Waiver of Punitive Damages. To the fullest extent permitted by law, you waive any right to seek or recover punitive, exemplary, or multiplied damages against Unity Financial Group.
14.9 Covenant Not to Sue. You covenant not to sue Unity Financial Group or any of its affiliates, officers, directors, employees, or agents for any claims released or waived under these Terms.
14.10 Maximum Aggregate Liability for Class Claims. If, notwithstanding the class action waiver, any court or arbitrator permits a class, collective, or representative action to proceed, Unity Financial Group's maximum aggregate liability for all claims in such action shall not exceed Ten Thousand Dollars ($10,000.00).
15. GENERAL PROVISIONS
15.1 Entire Agreement. These Terms, together with any service agreements, order forms, or privacy policies referenced herein, constitute the entire agreement between you and Unity Financial Group and supersede all prior agreements, understandings, and representations.
15.2 Severability. If any provision of these Terms is held to be invalid or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.
15.3 Waiver. No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term. Unity Financial Group's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
15.4 Assignment. You may not assign or transfer these Terms or any rights hereunder without Unity Financial Group's prior written consent. Unity Financial Group may assign these Terms without restriction. Any attempted assignment in violation of this Section shall be void.
15.5 Notices. Unity Financial Group may provide notices to you via email, posting on the Services, or other reasonable means. Notices to Unity Financial Group must be sent to the contact information below.
15.6 Electronic Communications. By using the Services, you consent to receive electronic communications from Unity Financial Group. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.
15.7 Export Compliance. You agree to comply with all applicable export and import laws and regulations in connection with your use of the Services.
15.8 Headings. Section headings are for convenience only and shall not affect the interpretation of these Terms.
15.9 Construction. These Terms shall not be construed against Unity Financial Group by virtue of having drafted them.
16. CONTACT INFORMATION
For questions, concerns, or notices regarding these Terms or the Services, please contact:
BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.