Dax
Version 1.3 (2026-07-29) · Effective July 29, 2026
These Terms of Service (the “Terms”) are a binding agreement between Digital Agency Exchange LLC, an Ohio limited liability company doing business as Dax (“Dax,” “we,” “us”) and the insurance agency and each individual user accessing the Dax platform (together, “you” or the “Agency”). By checking the acceptance box, creating an account, or using the platform in any way, you accept these Terms on your own behalf and on behalf of the Agency you work for, and you represent that you have authority to bind that Agency. If you do not agree, do not use the platform.
The platform is offered as an early-access product under active development. Features may be added, changed, or removed as the platform evolves, and no specific service levels or uptime commitments apply unless separately agreed in writing. We work to keep the platform available and your data intact, and Section 4 and Section 12 govern your data and your export rights.
Subscriptions.Paid access is sold as a subscription per the pricing presented at purchase (per seat, monthly or annual). New agencies may receive a free trial; when the trial ends, continued use requires an active paid subscription. Fees are charged to your payment method through our payment processor, are exclusive of taxes (which you are responsible for), and except as stated in Section 12 or required by law are non-refundable. You can manage or cancel your subscription at any time through the billing portal; cancellation stops future charges and access continues through the period already paid. Some agencies may have complimentary access at Dax’s discretion, which Dax may modify or end with notice.
The platform is for business use by licensed insurance professionals and their staff. You are responsible for maintaining the confidentiality of your credentials, for all activity under your account, and for ensuring that everyone you invite complies with these Terms. Notify us immediately of any unauthorized access.
We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the platform for your Agency’s internal business use during your subscription or authorized access period. We and our licensors retain all right, title, and interest in and to the platform, including all software, designs, workflows, interfaces, documentation, and know-how. No rights are granted except as expressly stated.
You will not, and will not permit or assist anyone else to:
(a) copy, modify, translate, or create derivative works of the platform; (b) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, structure, schemas, prompts, or algorithms of the platform; (c) rent, lease, resell, sublicense, or provide access to any third party; (d) scrape, crawl, or extract data or content by automated means; (e) probe, scan, or test the vulnerability of the platform or circumvent any security or usage control; (f) use the platform to build, train, or improve a competing product; or (g) remove or obscure any proprietary notices.
Non-circumvention (one year). In consideration of the access granted here, you agree that for the duration of your access and for twelve (12) months after your access ends, you will not design, develop, fund, or assist in developing a software product or service that replicates or is substantially similar to the platform or any material feature of it, and you will not use any non-public information obtained through your access (including screens, workflows, prompts, documentation, or feedback discussions) for any such purpose. This restriction does not prohibit you from using or purchasing competing products generally available in the market.
As between you and Dax, you own the customer, policy, and business data you or your integrations put into the platform (“Agency Data”). You grant Dax a worldwide, royalty-free license to host, copy, process, transmit, display, and analyze Agency Data as needed to provide, secure, maintain, and improve the platform.
You are solely responsible for Agency Data.That includes, without limitation: its accuracy, quality, and legality; having every right, consent, authorization, and notice required to collect it and to give it to us to process (including for personally identifiable information such as dates of birth, driver’s license numbers, contact information, and policy details); complying with all privacy, insurance, producer-licensing, and data-protection laws that apply to you; the content and consequences of anything you import (spreadsheets, carrier downloads, book migrations, email ingestion, website lead forms); and maintaining your own backups and records outside the platform. Dax acts on your instructions as a processor of Agency Data and has no obligation to review it for accuracy or lawfulness.
The platform connects to third-party services using accounts and credentials that belong to you — for example IVANS carrier download, comparative raters, Twilio (calling and texting), and Google or Microsoft mailboxes. For each such integration: the account, the vendor relationship, all fees, and all compliance obligations are yours alone. Dax is not a party to your agreements with those vendors, does not control their services, and is not responsible for their acts, omissions, outages, or charges. You represent that connecting each integration and letting the platform act through it (downloading policies, sending email, placing calls, sending texts) is authorized under your agreements with those vendors.
Calling, texting, call-recording, and email features are tools, not legal advice, and you are solely responsible for using them lawfully. Without limitation, you are responsible for: obtaining every consent required to call, text, record, or email a person (including under the TCPA, CAN-SPAM, state telemarketing rules, and one-party/all-party recording-consent laws); informing all call participants that a call is being recorded where required, regardless of which recording setting you choose in the platform; honoring do-not-call, do-not-contact, opt-out, and unsubscribe requests; and completing any carrier registrations (such as A2P 10DLC) required to send texts. Recording announcements and consent-related settings in the platform are conveniences only and do not shift any of these obligations to Dax.
The platform includes electronic-signature tools designed around common e-signature principles (such as ESIGN and UETA). You are solely responsible for determining whether electronic signature is appropriate and enforceable for any particular document, transaction, signer, or jurisdiction, for the content of documents you send, and for verifying the identity of your signers. Dax does not warrant the legal effect of any signed document.
The platform uses artificial intelligence to do things like read emails, scan documents, extract policy data, classify commissions, and draft content (“AI Features”). AI output is generated by statistical models and can be wrong, incomplete, or misleading. AI output is not insurance, legal, tax, or professional advice, and it is not a substitute for your professional judgment, your E&O practices, or your review. You agree that: (a) you will review AI output before relying on it or filing anything based on it; (b) every decision made or action taken based on AI output is yours alone; (c) Dax is not liable for any error in, or reliance on, AI output; and (d) data you submit may be processed by third-party AI providers as part of providing the features, and you are responsible for having the rights and consents necessary for that processing. Dax does not use Agency Data to train its own or third-party foundation models.
You will not use the platform to violate any law, infringe anyone’s rights, send spam or unlawful communications, upload malicious code, interfere with the platform or its users, misrepresent your identity, or attempt to access another agency’s data. We may suspend access immediately for suspected violations.
Non-public aspects of the platform — including unreleased features, performance, security details, pricing discussions, and documentation — are Dax’s confidential information. You will not disclose them or use them except to evaluate the platform. If you give us feedback, ideas, or suggestions, you grant Dax a perpetual, irrevocable, worldwide, royalty-free license to use them without restriction or obligation to you.
We use commercially reasonable technical and organizational safeguards, including encryption in transit and at rest, field-level encryption of sensitive credentials and identifiers, role-based access controls, and database-enforced separation between agencies. No system is perfectly secure, and the platform has not yet completed an independent third-party security certification. Our privacy policy describes our data practices in more detail. You will notify us promptly at the contact below of any suspected security issue.
These Terms apply from your first acceptance until terminated. You may stop using the platform or cancel your subscription at any time; prepaid fees are non-refundable. We may suspend your access immediately for a violation of these Terms, nonpayment, or a security risk, and may otherwise terminate with reasonable notice. If we terminate a paid subscription, we may, in our sole discretion, refund some or all prepaid fees for the unused portion of your term, but we are not obligated to do so. Your ability to export your Agency Data remains available in every subscription state, including after expiration or cancellation. Upon request made within thirty (30) days after termination, we will make a reasonable export of your Agency Data available, after which we may delete it. Sections 3, 4, 6, 7, 8, 10, and 13 through 17 survive termination.
THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, DAX DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR TRADE USAGE. DAX DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DATA WILL NOT BE LOST, OR THAT AI OUTPUT WILL BE ACCURATE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) DAX WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY; AND (b) DAX’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID DAX IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE OR ONE HUNDRED U.S. DOLLARS (US $100). THESE LIMITS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
You will defend, indemnify, and hold harmless Dax and its owners, employees, and contractors from and against any claim, demand, investigation, loss, liability, damage, penalty, cost, or expense (including reasonable attorneys’ fees) arising out of or related to: (a) Agency Data; (b) your use of the platform, including calls, texts, recordings, emails, imports, and e-signature transactions initiated by you; (c) your reliance on AI output; (d) your third-party integration accounts; (e) your violation of law or of these Terms; or (f) any dispute between you and your customers, carriers, or vendors.
These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the platform will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Ohio, except that either party may seek injunctive relief in court for misuse of intellectual property or confidential information (including breach of Section 3). You waive any right to a jury trial and to participate in a class action. Claims must be brought within one (1) year of accrual.
These Terms are the entire agreement about the platform and supersede prior discussions. Updates to these Terms. We may update these Terms from time to time by posting the updated version at this page with a new version number and effective date, and notifying you by email or by notice in the platform. You agree that your continued use of the platform after an updated version becomes effective constitutes acceptance of that version, without any further click-through, signature, or other action. If you do not agree to an updated version, your sole remedy is to stop using the platform and cancel your subscription before the updated version takes effect. We may, at our option, ask for express re-acceptance of material changes. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale. If a provision is unenforceable, it will be limited to the minimum extent necessary and the rest remain in effect; if the Section 3 non-circumvention period or scope is found excessive, it will be enforced to the maximum extent permitted. Our failure to enforce a provision is not a waiver. Notices to Dax: hello@daxams.com.