Terms of Service

These Terms of Service (the “Terms”) are an agreement between Wynlo Technologies LLC (“Wynlo,” “we,” “us”) and the person or business that creates a Wynlo account (“you,” the “Customer”). They govern your access to and use of the Wynlo platform, including its CRM, calling, AI, and reporting features (the “Service”). By creating an account, checking the agreement box at signup, or using the Service, you agree to these Terms, the Privacy Policy, the Communications Compliance terms, the Acceptable Use Policy, and the Insurance Producer Terms, each of which is incorporated into these Terms by reference. If you do not agree, do not use the Service.

1. Eligibility and authority

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is professional software intended for licensed insurance producers, agencies, and their staff — it is not offered to consumers for personal use. If you create an account or accept these Terms on behalf of a business or agency, you represent that you have authority to bind that business, and “you” includes it.

2. Your account

You are responsible for the accuracy of your registration information, for maintaining the confidentiality of your credentials, and for all activity under your account. Signup requires a working email address and a verified U.S. or Canadian mobile phone number. Notify us promptly at info@wynlo.io if you believe your account has been accessed without authorization.

3. The Service

Wynlo provides software: a CRM for insurance sales work, telephone calling features (including provisioned phone numbers, a dialer, and AI-assisted calling), transcription and AI analysis features, scheduling, and business reporting. Wynlo is a technology vendor. Wynlo is not an insurance carrier, agency, brokerage, or producer; it does not sell, solicit, or negotiate insurance; and it does not make underwriting decisions.

We work continuously on the Service and may add, change, or remove features. We do not promise that the Service will be uninterrupted or error-free, and scheduled or emergency maintenance may temporarily affect availability.

4. Communications features and lawful use

The Service includes features that place telephone calls, including calls that use an AI-generated voice, and features that can record, transcribe, and analyze calls. Laws including the Telephone Consumer Protection Act, state telemarketing statutes, and call recording and privacy laws apply to how these features are used. Your obligations are set out in the Communications Compliance terms, which are part of this agreement. In short: you are the seller and the caller of record for your campaigns; you must have legally sufficient consent for the contacts you call; you must honor opt-out and do-not-call requests; and you must comply with the laws that apply to your calls.

Any compliance-related feature Wynlo provides is a tool to help you meet your own obligations. Wynlo’s features do not constitute legal advice, do not guarantee compliance with any law, and do not create a legal safe harbor. Responsibility is allocated according to who controls the relevant conduct: you control your lead sources, consent, campaigns, and what you say to consumers; Wynlo controls the operation of the platform itself.

5. AI features

Parts of the Service use artificial intelligence, including AI-conducted outbound calls, live in-call assistance, post-call analysis and coaching, and carrier decision-support. AI output can be imperfect, incomplete, or wrong. AI features are workflow and decision-support technology for licensed professionals — a licensed person remains responsible for every insurance recommendation, representation, and decision made toward a consumer. The Insurance Producer Terms set out these responsibilities in detail, including the limits of the Carrier Qualification feature.

6. Customer content and data

You retain ownership of the content and data you submit to the Service — your leads, clients, notes, scripts, uploads, and business records (“Customer Content”). You grant Wynlo a limited license to host, process, transmit, and display Customer Content solely to provide, secure, and improve the Service and as described in the Privacy Policy. You are responsible for having the legal right to submit the Customer Content you use with the Service, including lawful rights in your lead lists.

Call transcripts, call analyses, and related records generated by your use of the Service are part of your account’s business records. Wynlo may use aggregated, de-identified operational data to run and improve the Service.

7. Wynlo’s intellectual property

The Service — including its software, design, shipped scripts and prompts, carrier reference materials, and branding — is owned by Wynlo and its licensors and is protected by intellectual-property law. We grant you a limited, non-exclusive, non-transferable right to use the Service for your business while your subscription is active. You may not copy, resell, sublicense, reverse engineer, or build a competing product from the Service, and you may not use the Service to train a competing AI system. If you give us feedback, we may use it without obligation to you.

8. Third-party services

The Service is built on third-party infrastructure and processing providers — for example, telephony, AI, transcription, hosting, and payments providers, listed on the Subprocessors page. The Service depends on these providers, and their availability and conduct are not fully within Wynlo’s control. Optional integrations you connect (such as Google Calendar) are governed by the third party’s own terms in addition to ours.

9. Subscriptions, trial, and billing

• Plan. Wynlo is offered as a monthly subscription at $147per month, with a 7-day free trial for first-time subscribers. A valid payment method is required to start the trial. Your trial begins when your payment method is confirmed at signup, and your paid subscription begins automatically when the trial ends unless you cancel before then. Subscriptions renew monthly until cancelled.
• Cancellation. You can cancel any time through the billing portal in your account. Cancellation takes effect at the end of the current billing period; you keep access until then. We do not charge cancellation fees.
• Prepaid AI credits. Some AI calling usage is funded by prepaid credits. Credits do not expire while your account remains open. Credits are not redeemable for cash and, except where the law requires otherwise, unused credits are not refunded when an account closes.
• Refunds. Except where required by law, payments are non-refundable and we do not provide credits for partial billing periods.
• Failed payments. If a renewal payment fails, we may retry it and may suspend access until payment succeeds.
• Price changes. We may change prices with advance notice; changes apply from your next billing period. Taxes, and telephony charges beyond your plan and credits, may apply.

10. Suspension and termination

You may stop using the Service at any time. We may suspend or terminate an account that breaches these Terms or the incorporated policies — including misuse of communications features, false representations about consent or licensing, non-payment, or use that creates legal risk or harm to consumers, other customers, our providers, or Wynlo. Where practical we will notify you and give you a chance to cure; we may act immediately when the conduct is serious. Sections that by their nature should survive termination — including ownership, disclaimers, limitations of liability, and indemnification — survive.

11. No emergency calling

The Service is not a telephone service and must not be used to contact emergency services. Wynlo calling features do not support 911 or other emergency calling, and you must maintain an ordinary phone service for emergencies.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WYNLO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WYNLO DOES NOT WARRANT THAT THE SERVICE, ITS AI OUTPUT, OR ITS REFERENCE MATERIALS WILL BE ACCURATE, CURRENT, OR ERROR-FREE, OR THAT USE OF THE SERVICE WILL SATISFY ANY LAW THAT APPLIES TO YOUR BUSINESS. NOTHING IN THE SERVICE IS LEGAL, COMPLIANCE, OR UNDERWRITING ADVICE.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA; AND (b) WYNLO’S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE IS LIMITED TO THE AMOUNTS YOU PAID WYNLO FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. THESE LIMITS DO NOT APPLY WHERE THE LAW DOES NOT ALLOW THEM, AND DO NOT LIMIT YOUR INDEMNIFICATION OBLIGATIONS OR EITHER PARTY’S LIABILITY FOR WILLFUL MISCONDUCT.

14. Indemnification

You will defend and indemnify Wynlo against third-party claims, penalties, and losses (including reasonable attorneys’ fees) arising from: your campaigns and communications, including claims that you lacked required consent or violated telemarketing, do-not-call, or recording laws; your lead sources and Customer Content; your insurance activities, licensing, and representations to consumers; your custom scripts and content; or your breach of these Terms. This obligation does not extend to the portion of a claim caused by Wynlo’s own conduct in operating the platform.

15. Dispute resolution; governing law

If a dispute arises, contact us first at info@wynlo.io — most issues can be resolved informally, and both parties agree to attempt informal resolution for 30 days before formal proceedings. Except for small-claims matters and requests for injunctive relief, any remaining dispute will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Both parties waive the right to a jury trial and to participate in a class action. You may opt out of this arbitration provision by emailing info@wynlo.io within 30 days of first accepting these Terms. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules; where arbitration does not apply, the state and federal courts located in Delaware have exclusive jurisdiction.

16. Changes to these Terms

We may update these Terms as the Service and the law evolve. Each version carries a version number and effective date. For material changes we will provide notice — such as by email or an in-product notice — before the new version takes effect, and your continued use after the effective date constitutes acceptance. The current version is always published at this page.

17. Notices and contact

Legal notices to Wynlo should be sent to info@wynlo.io. We may provide notices to you at the email address on your account. These Terms, together with the documents they incorporate, are the entire agreement between you and Wynlo regarding the Service, and supersede prior discussions. If a provision is unenforceable, the rest remains in effect; a failure to enforce a provision is not a waiver.