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1. Agreement to Terms
By creating an account or accessing this platform ("DropQuote"), you "Broker") agree to these Terms and Conditions in their entirety. These terms govern your authorized use of Dropquote's proprietary insurance brokerage platform and all data accessed through it.

2. Account Security & Access Controls
You are solely responsible for the confidentiality of your login credentials. You agree to:

Enable and maintain multi-factor authentication (MFA) on your account at all times.
Never share credentials with any third party.
Immediately notify security@dropquote.net upon discovery of any unauthorized access.
Remove Platform access promptly for any Authorized User whose role or engagement ends.
Use only devices with current antivirus, patched operating systems, and endpoint security controls.

3. SOC 2 Compliance Obligations
Dropquote maintains SOC 2 Type II compliance. As a condition of access, you agree to support this framework by:

Using only approved devices or equivalent-security endpoints when accessing the Platform.
Encrypting any data extracted from the Platform when stored or transmitted externally.
Avoiding access from unsecured public networks unless using a Company-approved VPN.
Completing mandatory security awareness training upon onboarding and annually thereafter.
Acknowledging that all Platform activity is logged and monitored as part of the Company's SOC 2 program.

4. Data Use & Confidentiality
You may only use data accessed through the Platform for legitimate, authorized insurance brokerage purposes. You shall not:

Scrape, harvest, or bulk-extract data beyond operational necessity.
Disclose Confidential Information to unauthorized third parties.
Use policyholder data for any purpose not disclosed to or consented to by that individual.
Sell, license, or transfer Platform data in any form.

Confidentiality obligations survive termination of this Agreement for five (5) years, or indefinitely for trade secrets.

5. Security Incident Reporting
If you discover or suspect a security incident involving Platform data, you must notify Dropquote at security@dropquote.net within 24 hours of discovery, provide all available details, and cooperate fully with investigation and remediation. You shall not make any public disclosure without first consulting the Company.

6. Acceptable Use
You shall not attempt to gain unauthorized access to any part of the Platform, introduce malicious code, conduct unauthorized security testing, or use automated scripts to access the Platform beyond normal interaction. Any activity impairing Platform availability is strictly prohibited.

7. Regulatory Compliance & License
You represent that you hold all required, valid insurance licenses in each jurisdiction you operate. You must notify the Company within 5 business days of any license suspension, revocation, or material regulatory action. The Company may immediately suspend your access upon such an event.

8. Limitation of Liability
THE PLATFORM IS PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THE COMPANY'S TOTAL LIABILITY SHALL NOT EXCEED FEES PAID IN THE PRECEDING 12 MONTHS.

9. Indemnification
You agree to indemnify and hold harmless Dropquote and its officers, employees, and agents from any claims, damages, or penalties arising from your breach of these Terms, violation of law, or unauthorized use of the Platform.

10. Termination
Either party may terminate access with 30 days' written notice. The Company may terminate or suspend access immediately for any breach, security incident attributable to you, or license revocation. Sections 4, 8, and 9 survive termination.

11. Governing Law
This Agreement is governed by the laws of the State of Florida. Disputes shall be resolved by binding arbitration in Winter Park, Florida under AAA rules, except that either party may seek injunctive relief in court.

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