These User Terms of Service (“User Terms”) govern access and use of the DINGO Platform (“Platform”) by a Platform User (“you”). Please read them carefully. Even though you are signing onto a subscription, these User Terms apply to you as a user of the Platform.

These User Terms are a legally binding contract between you and DINGO. As a part of these User Terms, you agree to comply with the most recent version of our Acceptable Use Policy, which is incorporated into these User Terms. If you access or use the Platform, you agree to be bound by the User Terms and Acceptable Use Policy. Please read the User Terms carefully. If you do not accept all of the User Terms, you may not use the Platform.

Be sure to return to this page periodically to review the most current version of the User Terms. DINGO may modify the User Terms or add additional terms that apply to the Platform at any time. DINGO will notify you about material changes to the User Terms by either sending a notice to the email address you provided to us and/or by placing a notice of modifications to the User Terms on this page. If you do not agree to all of the modified User Terms, you should discontinue your use of the Platform.

To the extent prohibited by applicable law, the Platform is not intended for and should not be used by anyone under the age of eighteen (18). You represent that you are over the legal age. You may not access or use the Platform for any purpose if the representation in the preceding sentence is not true.

All Platform Users must comply with the Acceptable Use Policy. If you see any inappropriate behavior or content, please report it immediately.

These User Terms remain effective until your subscription expires or terminates, or your access to the Platform has been terminated by you or DINGO. Please contact us if you at any time or for any reason wish to terminate your account, including due to a disagreement with any updates to these User Terms or the Acceptable Use Policy.

If you violate the Acceptable Use Policy, you will either be notified of your breach and a strike will be added to your account, or if DINGO believes you are a risk to us or others or you have more than 1 strike to your account, you will be immediately removed from the Platform and notified of your removal.

In no event will you or DINGO have liability to the other for any lost profits or revenues or for any indirect, special, incidental, consequential, or punitive damages however caused, whether in contract, tort, or under any other theory of liability, and whether or not the party has been advised of the possibility of such damages. The foregoing disclaimers will not apply to the extent prohibited by applicable law and do not limit either party’s right to seek and obtain equitable relief.

DINGO’s Platform is intended to be used by licensed Insurance Agents and MGAs and their clients. If you are not a currently licensed Insurance Agent or MGA, you are not allowed to own an account on the DINGO Application Management System. However, these restrictions do not apply to the DINGO Quoting Tool.

Please review our Privacy Policy for more information on how we collect and use data relating to the user and performance of our Platform and other interactions (e.g. customer support inquiries, online chats, events, etc.)

No failure or delay by either party in exercising any right under the User Terms, including the Acceptable Use Policy, will constitute a waiver of that right. No waiver under the User Terms will be effective unless made in writing and signed by an authorized representative of the party being deemed to have granted the waiver.

The User Terms, including the Acceptable Use Policy, will be enforced to the fullest extent permitted under applicable law. If any provision of the User Terms is held by a court of competent jurisdiction to be contrary to law, the provision will be modified by the court and interpreted so as best to accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions of the User Terms will remain in effect.

You may not assign any of your rights or delegate your obligations under these User Terms, including the Acceptable Use Policy, whether by operation of law or otherwise, without the prior written consent of us (not to be unreasonably withheld). DINGO may assign these User Terms in their entirety (including all terms and conditions incorporated herein by reference), without your consent, to a corporate affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets.

The User Terms, including the Acceptable Use Policy, and any disputes arising out of or related hereto, will be governed exclusively by the courts located in the applicable venue will have exclusive jurisdiction to adjudicate any dispute arising out of or relating to the User Terms, including the Acceptable Use Policy, or its formation, interpretation or enforcement.

The User Terms, including any terms incorporated by reference into the User Terms, constitute the entire agreement between you as a Platform User and Lumavate and supersede all prior and contemporaneous agreements, proposals or representations, written or oral, concerning its subject matter. To the extent of any conflict or inconsistency between the provisions in these User Terms and any pages referenced in these User Terms, the terms of these User Terms will first prevail.