Terms of Service

These Terms of Service (“Terms”) are a legally binding agreement between you and Scout Companies LLC (“Scout,” “we,” “us,” or “our”), the owner and operator of Scout for Brokers. By accessing or using the Scout platform, website, mobile application, or any related services (collectively, the “Service”), you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use the Service.

Scout for Brokers is wholly owned and operated by Scout Companies LLC. Scout Companies LLC is the party that provides the Service and enters into this agreement with you.

You must be at least 18 years old and authorized to enter into binding contracts to use the Service. Broker accounts are intended for licensed insurance producers, agencies, and their authorized staff. Employer accounts are intended for authorized representatives of the employer entity. You may not create more than one account per role using the same email address, and you may not use the Service on behalf of any person or entity without authority to do so.

When you register, you agree to provide accurate, current, and complete information and to keep that information updated. You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorized use or security breach.

Scout is a subscription service. Every paid plan begins with a 14-day free trial, which requires a valid payment card to activate. Your card will not be charged during the trial. When the trial ends, your subscription will automatically convert to a paid monthly plan and your card will be charged in advance each month until you cancel.

All fees are non-refundable except where required by law. We do not prorate partial months. If you cancel, you will continue to have access through the end of your current paid period. We may change pricing by providing notice through the Service or by email at least 30 days before the change takes effect.

If payment fails, we may suspend or restrict access until the outstanding amount is paid. You remain liable for all charges incurred prior to cancellation.

Each plan includes a monthly prospect allowance and, where applicable, employer RFP participation rights. Allowances reset at the start of each billing period and do not roll over. If you reach your limit, you must wait until the next billing period or upgrade your plan to add additional prospects.

You may not artificially inflate usage, circumvent plan limits, share logins, or permit unauthorized users to access your account. We reserve the right to enforce limits, suspend accounts, or require plan upgrades for excessive or abusive usage.

You agree to use the Service only for lawful purposes and in compliance with these Terms and all applicable laws, including but not limited to CAN-SPAM, TCPA, state insurance advertising regulations, and the terms of any connected email, social, or messaging platform.

You may not:

• Resell, redistribute, scrape, or bulk-export Scout data or prospect records.
• Use the Service to send unlawful, fraudulent, misleading, defamatory, harassing, or spam messages.
• Reverse engineer, decompile, or attempt to discover the source code of the Service.
• Interfere with or disrupt the integrity or performance of the Service or its infrastructure.
• Share your login credentials or allow another person to use your account.
• Upload or transmit viruses, malware, or other harmful code.

We may suspend, terminate, or restrict your account, without refund, if we determine, in our sole discretion, that you have violated these rules or engaged in conduct that harms Scout, other users, or third parties.

You retain ownership of any content, data, or materials you submit to the Service, including your playbook, prospect notes, and employer RFP information. By submitting content, you grant Scout a limited, non-exclusive, royalty-free license to use, process, store, and display that content solely to operate and improve the Service for you.

Scout and its licensors own all rights, title, and interest in the Service, including all software, designs, trademarks, logos, and proprietary algorithms. You receive no ownership interest in the Service or any Scout intellectual property by virtue of using it.

Scout uses artificial intelligence to draft messages, analyze companies, score opportunities, and generate research. AI-generated content is provided for your review and approval and does not constitute legal, financial, insurance, or professional advice. You are solely responsible for reviewing, editing, and approving any outreach before it is sent.

Company, plan, contact, and financial information is compiled from public filings, third-party data providers, and open sources. Renewal dates, estimated savings, and other data points marked as estimated or inferred are not guaranteed. You must independently verify all material facts before relying on them in a proposal or client communication.

You agree to maintain the confidentiality of any non-public information you access through the Service, including other users’ data, proprietary research, and internal product features. You may not disclose such information to third parties except as required by law.

Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

The Service may integrate with third-party platforms such as Google, Microsoft, LinkedIn, Stripe, and email providers. Your use of those integrations is subject to the third party’s terms and policies. Scout is not responsible for the availability, accuracy, or practices of any third-party service.

If you connect an email or social account, you authorize Scout to send messages on your behalf using the display name, reply-to address, and signature information you provide. You remain responsible for obtaining any required consents and complying with applicable laws.

You may cancel your subscription and stop using the Service at any time through your account settings. Cancellation takes effect at the end of your current billing period.

We may suspend or terminate your account, with or without notice, for any violation of these Terms, suspected fraud, non-payment, or conduct that we determine harms the Service or other users. Upon termination, your right to use the Service immediately ceases, and we may delete your data in accordance with our data retention practices.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. SCOUT DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCOUT COMPANIES LLC AND ITS OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST BUSINESS, LOST COMMISSIONS, OR LOSS OF DATA, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO SCOUT IN THE THREE MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100).

You agree to indemnify, defend, and hold harmless Scout Companies LLC and its officers, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) any content or data you submit; (c) your violation of these Terms or any applicable law; or (d) your negligence or willful misconduct.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.

Before filing any claim, you agree to attempt to resolve the dispute informally by contacting us at support@scoutforbrokers.com. We will make a good faith effort to resolve the matter within 30 days.

We may modify these Terms from time to time. If we make material changes, we will notify you by email or through the Service at least 30 days before the changes become effective. Your continued use of the Service after the effective date constitutes your acceptance of the revised Terms.

Questions about these Terms may be directed to Scout Companies LLC at support@scoutforbrokers.com. We typically respond within one to two business days.