Terms of Service

1. Acceptance of Terms & Professional Eligibility

AgencyLedge is designed and operated solely for commercial insurance professionals, licensed producers, agency principals, institutional aggregators, and accredited transaction parties.

By using this site, you warrant that you are at least eighteen years of age, hold the requisite corporate authority to bind your entity, and operate as a bona fide industry participant. If you do not accept these terms in their entirety, you must discontinue platform use immediately.

2. Non Broker Status & Scope of Services

AgencyLedge serves strictly as an online technology directory, information publisher, and peer to peer communications exchange. AgencyLedge is not:

• A registered securities broker dealer under federal or state statutes.
• A licensed real estate or business intermediary broker.
• An investment advisor, certified appraisal practice, or fiduciary representative.
• A legal counsel or licensed E&O risk advisory firm.

AgencyLedge does not negotiate purchase agreements, handle client funds, provide escrow facilities, or verify policy renewal retention books. All transaction negotiations, legal contracts, and financial due diligence remain the exclusive responsibility of participating principals.

3. Marketplace Conduct, Teasers & Listing Standards

Users who list an agency, book of business, or commercial partnership opportunities agree to the following operational covenants:

• Accuracy of Representations: All revenue figures, premium volumes, line splits, and carrier relationship details submitted must represent truthful and verifiable operational history.
• Confidentiality Protection: Initial public listings must remain blind teasers, strictly omitting agency legal names, exact physical street addresses, or identifiable carrier contract numbers until an executed NDA is finalized.
• Authority to Solicit: The submitter expressly warrants that they own the expirations or possess explicit written corporate consent from the board or partners to solicit transaction interest.

4. Digital NDAs & Electronic Signature Validity

Accessing non public diligence files, carrier schedules, or unredacted seller identities requires acceptance of our Standard Non Disclosure Agreement or a custom transaction confidentiality deed.

You agree that affirmative checkbox selections, form submissions, and electronic initials executed via AgencyLedge satisfy all statutory requirements of the Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Uniform Electronic Transactions Act (UETA), establishing legally enforceable contracts between counterparties.

5. Calculators, Operational Utilities & Content Use

Calculators (such as the Agency Valuation Calculator, Producer Commission Tools, and Annual Report Trackers) and document generators (such as COI and BOR generators) are delivered as convenience tools for preliminary exploratory modeling only.

AgencyLedge makes no warranty regarding the numerical accuracy, mathematical precision, tax deductibility, or carrier acceptability of generated materials. Users assume full commercial and statutory liability for documents generated and sent to insureds or market carriers.

6. Intellectual Property & Systematic Extraction Prohibitions

All proprietary algorithms, user interface designs, CSS styling frameworks, editorial analyses, E&O autopsies, and fifty state regulatory compilations are the exclusive intellectual property of AgencyLedge.

You are strictly prohibited from utilizing automated web scrapers, crawler scripts, data harvesting bots, or AI extraction models to harvest listing records, user contact coordinates, or regulatory directory data without prior written authorization.

7. Complete Disclaimer of Warranties

This platform, its databases, and automated tools are delivered strictly on an as is and as available basis. AgencyLedge disclaims all express, statutory, or implied warranties, including warranties of merchantability, fitness for a particular commercial purpose, title, and non infringement.

We do not guarantee uninterrupted server uptime, continuous database integrity, or that any listing on the marketplace will secure a qualified buyer or achieve target transaction multiples.

8. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall AgencyLedge, its officers, directors, contractors, or technology licensors be held liable for indirect, incidental, punitive, or consequential damages, including loss of business revenue, lost goodwill, regulatory fines, producer departures, or transaction termination fees.

AgencyLedge total aggregate liability arising out of or related to platform usage shall not exceed one hundred United States dollars ($100.00) or the exact total fees paid by you to AgencyLedge in the twelve months preceding the claim.

9. Governing Law & Dispute Resolution

These Terms of Service and all related disputes shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflicts of law principles.

Any legal action or proceeding arising under this agreement shall be brought exclusively in the state or federal courts located in Delaware, and the parties hereby irrevocably consent to personal jurisdiction therein.