Baseline terms for a B2B technology relationship.

Eligible organizations and representatives

The platform is offered exclusively to licensed insurance companies and licensed insurance broker organizations, including authorized personnel acting on their behalf. An individual agent is not an independent public buyer. By requesting access, you represent that the organization and professional capacity you submit are accurate and that you are authorized to act for that organization.

Access is reviewed, not automatic

Signing in creates an identity session but does not open private tools. The owner may approve, deny, suspend, or require additional documentation for an organization access request. Approval is limited to the documented organization and capacity. A material change to those details may require review again. Credentials must not be shared, and each user is responsible for activity under their account.

Permitted software use

Authorized organization users may use the software for the workflow, configuration, implementation, integration, reporting, training, support, and data-management purposes in the applicable written scope. Users must follow role restrictions, applicable law, organizational policy, data-minimization requirements, and any agreed security or retention controls.

Organization responsibility

The organization controls which authorized users and records enter its workspace. It is responsible for the authority, accuracy, lawfulness, and permitted use of submitted data; the professional qualifications of people making insurance decisions; notices and permissions owed to data subjects; and any action taken outside the software with a carrier, insured, policyholder, claimant, beneficiary, or third party.

Technology role and prohibited insurance use

Technology platform only — we do not recommend or sell insurance. Beneficiary Continuity Guard provides digital delivery systems and workflow technology exclusively for licensed insurance companies and licensed insurance broker organizations, including authorized personnel acting on their behalf. This platform is not offered to John Q. Public. In connection with this platform, the technology company does not offer, recommend, quote, sell, solicit, negotiate, place, underwrite, bind, issue, service, cancel, adjust, or settle insurance, and does not collect, receive, control, hold, transmit, or retain insurance premiums. Insurance products, professional judgments, and decisions remain solely with the appropriately licensed insurance organization. Any permitted insurance payment is handled by that organization or its authorized payment processor—not by the technology company. Amounts invoiced by the technology company are solely for technology products and services and are not insurance premiums or insurance transaction fees.

Insurance Technology Platform — We Do Not Sell Insurance →

Users must not use the platform or public assistant to solicit a consumer insurance purchase; produce or communicate a quote, premium, coverage recommendation, binding indication, claim decision, payout, or settlement; impersonate a carrier or licensed professional; or represent a software status, finding, invoice, webhook, or audit entry as carrier acceptance or legal effect.

Records, findings, and human judgment

Outputs depend on the records, rules, configuration, and source data available to the system. Findings are workflow conditions for review, not insurance, legal, tax, underwriting, claim, or coverage opinions. Authorized people remain responsible for verifying facts, applying professional judgment, following carrier requirements, and recording the appropriate operational disposition.

Audit history

Consequential actions may be appended to a hash-linked activity history. The active application does not edit or delete an existing audit entry. A later correction, objection, withdrawal, or response is added as another entry. The history is evidence of recorded software activity; it is not proof of policy validity, legal effect, coverage, carrier acceptance, or claim entitlement.

Integration and implementation

Organization-specific interfaces, imports, migrations, authentication, configuration, service levels, support processes, and deployment scope are supported only when documented in writing. A discussion, mockup, demonstration, or roadmap statement does not by itself commit either party to deliver a production integration or outcome.

AI assistant

The public assistant may explain product, workflow, implementation, integration, reporting, training, and support information. It may be incomplete or incorrect and must not be used for consumer insurance, legal, tax, underwriting, claim, or coverage decisions. Do not submit confidential records, credentials, or personal insurance facts in chat.

AI-assisted software output is informational and must be reviewed by authorized personnel. It does not make or recommend an insurance decision.

Private B2B software billing

Staff may prepare local drafts for software subscription, implementation, training, support, data migration, or custom development only. Provider issuance is currently inactive. A draft creates no customer payment request, hosted invoice, or right to service. Activation requires a named licensed organization, an approved proposal, order form, statement of work, or enterprise agreement, and Rich’s written approval of the price, customer class, technology-only line items, cancellation and refund terms, and invoice workflow.

Before an authorized invoice is issued, there is no payment to refund. If invoicing is later activated, the signed agreement and customer- specific invoice must state cancellation notice, effective date, completed or committed work, prepaid amounts, refund or credit treatment, taxes, service conditions, and support scope. Those written terms govern; this public page does not invent or approve commercial terms. A payment or failed payment cannot change any insurance policy, coverage, beneficiary, claim, payout, or settlement status.

Invoices are for technology products and services only and do not include insurance premium, policy fees, claim funds, or settlement funds.

Technology support, access, billing-draft, cancellation, and contract questions may be submitted through the software discussion page. Insurance questions must be directed to the relevant licensed insurance organization.

Historical records and retired features

Consumer-facing features and transactions were retired in the August 2026 B2B repositioning. Historical records and provider objects were preserved rather than deleted or reclassified. Old bookmarks may show an unavailability notice, and retired APIs return a consistent denial. Historical presence does not create a present consumer service or continuing right to use a retired feature.

Availability, suspension, and warranties

We may suspend access needed to protect security, investigate misuse, comply with law, enforce a written agreement, or preserve system integrity. Unless a signed agreement states otherwise, evaluation and pre-production access are provided as available and without a promise of uninterrupted operation, regulatory approval, compatibility with every system, or detection of every record condition. Production warranties, remedies, liability allocation, indemnities, governing law, and dispute terms require the applicable written agreement.