Terms of Service

Last updated: July 19, 2026

Please read these Terms of Service carefully before using InsuranceCMO.ai.

Definitions

For the purposes of these Terms of Service:

Company (referred to as "the Company," "we," "us," or "our") refers to Insurance Technology Solutions, Inc., a Delaware corporation. InsuranceCMO.ai is a service provided by Insurance Technology Solutions, Inc.

Service refers to the InsuranceCMO.ai website and all products, services, and offerings available through it.

Website refers to InsuranceCMO.ai, accessible at insurancecmo.ai.

You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service.

Subscription refers to the recurring paid membership plans offered through InsuranceCMO.ai, including the CMO Briefing Membership and the CMO Coaching Circle.

Acknowledgment

These Terms of Service govern the use of the Service and the agreement between you and the Company. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service. You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Subscriptions

Subscription Period

The Service or some parts of the Service are available only with a paid Subscription. You will be billed in advance on a recurring monthly basis. At the end of each period, your Subscription will automatically renew under the exact same conditions unless you cancel it or the Company cancels it.

Cancellation

You may cancel your Subscription renewal at any time through your account settings or by contacting the Company. You will not receive a refund for fees already paid for your current Subscription period, and you will retain access to the Service until the end of your current billing period.

Billing

You shall provide the Company with accurate and complete billing information including full name, address, state, zip code, telephone number, and a valid payment method. Should automatic billing fail for any reason, the Company will issue an electronic invoice indicating that you must proceed manually.

Fee Changes

The Company may modify Subscription fees at its sole discretion. Any fee change will become effective at the end of the then-current Subscription period. The Company will provide reasonable prior notice of any change. Your continued use of the Service after the fee change becomes effective constitutes your agreement to pay the modified amount. Founding member rates that have been contractually locked are exempt from general price increases for as long as the founding member remains an active subscriber.

Refunds

Except when required by law, paid Subscription fees are non-refundable. Refund requests may be considered on a case-by-case basis at the sole discretion of the Company.

User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of these Terms, which may result in immediate termination of your account. You are responsible for safeguarding your password and for all activities or actions under your account. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Intellectual Property

All content on InsuranceCMO.ai — including but not limited to the CMO Brief newsletter, course materials, coaching content, worksheets, templates, and all other materials — is the exclusive intellectual property of Insurance Technology Solutions, Inc. and/or Alex Branning. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without the prior written consent of the Company.

Prohibited Uses

You agree not to use the Service:

To share, resell, or redistribute any materials, content, or intellectual property from InsuranceCMO.ai without written permission

In any way that violates any applicable federal, state, local, or international law or regulation

To transmit unsolicited or unauthorized advertising or promotional material (spam)

To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity

To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service

Links to Other Websites

The Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the terms and privacy policies of any third-party websites you visit.

Termination

We may terminate or suspend your Account immediately, without prior notice or liability, for any reason, including if you breach these Terms of Service. Upon termination, your right to use the Service will cease immediately.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Insurance Technology Solutions, Inc. or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever arising out of or in connection with your use of the Service. The Company's entire liability under any provision of these Terms shall be limited to the amount actually paid by you through the Service in the three months preceding the claim, or $100, whichever is greater.

"As Is" and "As Available" Disclaimer

The Service is provided to you "as is" and "as available" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company expressly disclaims all warranties, whether express, implied, statutory, or otherwise, with respect to the Service.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law rules. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Delaware, and you hereby consent to the personal jurisdiction of such courts.

Disputes Resolution

If you have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting the Company at [email protected].

Severability and Waiver

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. The failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter.

Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

Contact Us — Terms of Service

If you have any questions about these Terms of Service, you can contact us:

By email: [email protected]

By mail: 8 The Green, Ste R, Dover, DE 19901

InsuranceCMO.ai is a service of Insurance Technology Solutions, Inc., a Delaware corporation. © 2026 Insurance Technology Solutions, Inc. All rights reserved.

Alex Branning

Founder & CEO of Branning Group