Terms of Service

1. Agreement to terms

These Terms of Service (“Terms”) form a binding agreement between you (“you” or “Customer”) and [Legal Entity Name](“CommStack,” “we,” or “us”), operator of the platform at commstack.health. If you use the service on behalf of an agency or organization, you represent that you are authorized to bind that entity to these Terms.

2. Eligibility & accounts

• You must be at least 18 years old and able to form a binding contract.
• You are responsible for the accuracy of your registration information and for keeping your credentials confidential.
• You are responsible for all activity that occurs under your account. Notify us immediately of any unauthorized use.

3. The service

CommStack provides software to import, match, and reconcile insurance commission statements against your book of business, and to track and manage related disputes. Features may evolve over time. We offer a free trial as described at sign-up; continued use may require a paid subscription.

4. Acceptable use

You agree not to:

• Use the service for any unlawful purpose or in violation of any carrier, payer, or regulatory agreement.
• Upload data you do not have the right to use, or that infringes the rights of others.
• Attempt to access another customer’s data, probe or breach security, or disrupt the service.
• Reverse engineer, decompile, scrape, or create derivative works from the platform except as permitted by law.
• Resell, sublicense, or provide the service to third parties without our written consent.

5. Your data & responsibilities

You retain ownership of the data you upload(carrier statements, books of business, policy and commission records — “Customer Data”). You grant CommStack a limited, worldwide, royalty-free license to host, process, and display Customer Data solely to provide and improve the service for you. You are responsible for the accuracy and legality of Customer Data and for having the rights to upload it. You agree not to upload protected health information (PHI/ePHI) unless we have separately agreed in writing.

6. Intellectual property

The CommStack platform — including all software, source code, designs, user interfaces, logos, the “CommStack” name and brand, documentation, and all related intellectual property — is and remains the exclusive property of [Legal Entity Name] and its licensors. It is protected by copyright, trademark, and other laws.

• We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the service for your internal business purposes during your subscription, subject to these Terms.
• No rights are granted except those expressly stated here. All other rights are reserved.
• You may not use our trademarks, logos, or brand without prior written permission.
• If you submit feedback or suggestions, you grant us a perpetual, royalty-free license to use them to improve the service, without obligation to you.

7. Third-party services

The service relies on third-party providers (e.g., hosting, database, and email infrastructure). We are not responsible for third-party services, and your use of them may be subject to their own terms. Carrier names and marks referenced in the product belong to their respective owners and are used for identification only.

8. Fees, billing & cancellation

• Paid plans are billed in advance on a recurring basis as described at checkout. Fees are non-refundable except where required by law.
• You may cancel at any time; cancellation takes effect at the end of the current billing period.
• We may change pricing with reasonable advance notice. Continued use after a change constitutes acceptance.

9. Disclaimers

The service is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. CommStack assists with identifying potential commission discrepancies but does not guarantee the recovery of any amount, the accuracy of carrier data, or any particular financial outcome. You are responsible for verifying results before acting on them.

10. Limitation of liability

To the maximum extent permitted by law, CommStack and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill. Our total aggregate liability arising out of or relating to the service will not exceed the amounts you paid to CommStack in the twelve (12) months preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless CommStack from any claims, damages, or expenses arising out of your Customer Data, your use of the service, or your violation of these Terms or applicable law.

12. Termination

You may stop using the service at any time. We may suspend or terminate your access if you breach these Terms or if required for security, legal, or operational reasons. Upon termination, your license to use the service ends; we will make Customer Data available for export for a reasonable period, after which it may be deleted per our Privacy Policy.

13. Governing law & disputes

These Terms are governed by the laws of [Governing Jurisdiction], without regard to conflict-of-law rules. The parties submit to the exclusive jurisdiction of the courts located in [Venue], unless otherwise required by applicable consumer law.

14. Changes to these Terms

We may update these Terms from time to time. We will post the updated version here with a new “Last updated” date and, for material changes, provide notice. Continued use after changes take effect constitutes acceptance.

15. Contact

Questions about these Terms? Email legal@commstack.health or write to [Legal Entity Name], [Company Address].