These terms govern your use of the agency platform — the CRM at gsbcrm.com and aplayercrm.com, and the texting, calling, email, scheduling, and lead tools inside it. They are between you and Elevated Health Coverage (“we,” “us”). By signing in you accept them. If you do not accept them, do not use the platform.
These terms cover the software. They do not change your producer agreement, your commission schedule, or your appointment with any carrier, all of which stand on their own.
You pay a monthly subscription for the platform. Texting and calling are billed separately from a prepaid credit balance, at cost plus a small margin. You are the sender of every message that leaves your account, which means the consent behind it has to be yours and real. Breaking that rule is the one thing that gets an account switched off immediately, because it puts every other agent’s messaging at risk.
The platform is for individuals who hold a current insurance producer licence and are contracted with us or with a partner agency. Your login is yours alone; do not share it, and tell us straight away if you think somebody else has used it. We may suspend an account whose licence has lapsed until it is reinstated.
The platform is sold on a monthly subscription, charged in advance to the payment method you provide, and it renews automatically until you cancel. You may cancel at any time; the cancellation takes effect at the end of the period you have already paid for, and we do not pro-rate part-months. Prices can change with at least 30 days’ notice, which will not affect a period you have already paid for.
If an upline or agency pays your subscription on your behalf, that arrangement is between you and them. If they stop paying, the subscription falls back to you.
Texts, phone calls, and extra phone numbers are not included in the subscription. They are paid for out of a prepaid credit balance that you top up by card.
| What | Charged |
|---|---|
| Outbound text | Per segment. A segment is 160 plain characters, or 70 if the message contains emoji or other special characters — the desk shows the count before you send. |
| Inbound text | Free. |
| Phone call | Per minute, on both legs — the leg to your phone and the leg to the client — because that is how it is billed to us. |
| Included in the subscription. | |
| An additional phone number | Per month, for as long as you keep it. |
The current rates are shown in the desk whenever you add credit, and they are the rates that apply. We may change them with notice in the app; a change never applies retroactively to messages already sent.
When you send a text or place a call from the platform, you are the sender and the caller under the Telephone Consumer Protection Act and the rules that go with it. We provide the wire; the decision to contact a particular person is yours. That means:
The first message you send to any number automatically identifies the business and explains how to stop. This text is appended by the platform and cannot be edited out.
Why we are strict about this. Business texting runs on a registration shared by the whole agency. One agent texting people who never agreed to hear from them gets that registration flagged, and when it is flagged nobody’s messages deliver — not the offender’s, everyone’s. We will switch off an account for this without notice, and we would rather explain that now than after it happens.
You are responsible for the content and accuracy of everything you send from your account, including the claims you make about coverage and price. You agree to indemnify us for claims, penalties, and costs arising from your messages, your calls, your use of lead data, or your breach of these terms. We will tell you promptly if such a claim arrives and you may take over its defence.
Client records you create belong to the agency book of business, and our agreements with you and with the carriers govern what happens to them if you leave. While your account is open you may export your own records at any time. You must handle client information in line with our Privacy Policy, applicable state insurance privacy laws, and the Gramm-Leach-Bliley Act — which in practice means: do not put it anywhere we did not put it, and do not use it for anything other than serving that client.
Do not attempt to read or alter another agent’s records, probe or bypass the platform’s access controls, run automated tools against it, resell access, or use it to send anything unlawful. Do not upload malware. Do not use the platform to contact people about anything other than insurance and the services we offer.
We aim to keep the platform running and we do not promise it will be. It depends on third-party services — carriers, telecoms networks, hosting — that we do not control. Planned maintenance will be announced in the app where practical. There is no service-level credit; if an outage is long enough to matter, tell us and we will deal with it fairly.
The compliance features in the platform — quiet-hour blocking, opt-out enforcement, consent capture, the disclosure appended to first messages — are there to help, and they are not a substitute for your own compliance programme or for advice from your own counsel. Nothing in the platform, and nothing in this document, is legal advice.
You may stop using the platform at any time. We may suspend or close an account for non-payment, for a lapsed licence, for a breach of section 4 or section 7, or where continuing would put the agency’s messaging registration or carrier appointments at risk. Where the reason allows it, we will tell you first and give you a chance to fix it. On closure you keep the right to your unused credit as described in section 3, and to an export of your records for 30 days.
To the fullest extent the law allows, we are not liable for lost commissions, lost business, or other indirect or consequential losses arising from your use of the platform. Our total liability for any claim is limited to the amount you paid us for the platform in the twelve months before the claim arose. Nothing here limits liability that cannot be limited by law.
We may update these terms. Material changes will be announced in the app before they take effect, and the “Last updated” date above will change. Continuing to use the platform after that means you accept the new version.
These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules, and any dispute will be brought in the state or federal courts located in Hillsborough County, Florida.
Questions about these terms, your credit balance, or a compliance question you want a second opinion on: elevatedhealthcoverage@gmail.com.