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Terms of Service

Canada · Effective 2026-05-08 · Last updated 2026-05-08

1. Acceptance of terms

These Terms of Service (the “Terms”) form a binding agreement between you (“you” or “Agent”) and Override Tech LLC, doing business as Override Agency (“Override Agency,” “we,” “us,” or “our”), governing your access to and use of the software-as-a-service platform made available at platform.overrideagency.com (the “Platform”). The Platform is available to licensed life-insurance agents in Canada and the United States; this version applies to agents whose principal place of business is in Canada. Agents in the United States should refer to the United States Terms of Service. By creating an account, clicking “I agree,” or otherwise using the Platform, you confirm that you have read, understood, and accepted these Terms. If you do not agree, do not use the Platform.

These Terms apply only to the Platform and not to overrideagency.com, which is a separate service operated under its own agreement.

2. Eligibility

To use the Platform, you must:

Be at least 18 years of age and of full legal capacity.
Hold a valid life-insurance license in good standing in a Canadian province or territory, issued by the applicable regulator (including but not limited to FSRA in Ontario or AMF in Quebec).
Provide true, accurate, current, and complete licensing information at signup, and keep it up to date.
Not be subject to any suspension, revocation, or other regulatory restriction that prevents you from selling life insurance in Canada.

We may verify your license status at any time. If your license lapses, expires, is suspended, or is revoked, you must promptly notify us and stop using the Platform for licensed activity.

3. The service

The Platform provides Canadian life-insurance agents with tools to manage leads and clients, automate carrier-portal application submissions (currently for Beneva and Experior), record and transcribe Zoom meetings, generate draft applications using AI-assisted extraction, send carrier applications for e-signature through DocuSign, and synchronize calendar events through Google Workspace. Specific features are described in the Platform UI and may evolve over time.

Information about how we collect, use, and protect personal information processed through the Platform is described in our Privacy Policy, which is incorporated into these Terms by reference.

4. Account creation and security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to:

Choose a strong, unique password and protect it against disclosure.
Enable multi-factor authentication when offered, and use it for all administrative or elevated-privilege roles.
Not share your account, password, session token, or MFA factor with any other person, including other licensed agents on your team.
Notify us immediately at [email protected] if you suspect any unauthorized access to or use of your account.

We are not liable for losses arising from your failure to safeguard your credentials.

5. Subscription plans, billing, and trial

The Platform is offered through tiered monthly or annual subscription plans, plus a separate transactional appointments product. All amounts are in Canadian dollars and exclude applicable taxes (GST/HST/QST/PST), which will be added at checkout where required.

5.1 Subscription tiers

New Agent— $195 / month or $1,950 / year.
Pro— $527 / month or $5,270 / year.
Top Producer— $890 / month or $8,900 / year.

5.2 Appointments product

The appointments product is sold as a separate SKU from the subscription, billed daily based on appointments delivered. The per-appointment price depends on your subscription tier: $100 (New Agent), $85 (Pro), or $70 (Top Producer). Appointments are non-refundable; in the event of a verified no-show you may receive a replacement appointment in accordance with our replacement policy (see Section 7).

5.3 Auto-renewal

Monthly subscriptions automatically renew each month and annual subscriptions automatically renew each year, in each case until you cancel as described in Section 7. By subscribing, you authorize us (through Stripe) to charge your payment method for the applicable fees plus taxes on each renewal.

5.4 No-refunds policy

All fees are non-refundable, except where a refund is required by applicable consumer-protection law that cannot be waived. We do not issue cash refunds on subscription fees, annual prepayments, or appointments. See Section 7 for cancellation and replacement details.

5.5 Failed payments

If a payment fails, we may retry the charge, suspend access to paid features, or terminate the account in accordance with Section 17.

6. Trial-specific terms

New accounts are eligible for a 14-day trial of the Platform. The trial works as follows:

You must add a valid payment method at signup. We use a Stripe Setup Intent to verify and tokenize your card.
We will NOT auto-charge your card at the end of the trial. To continue using the Platform after day 14, you must manually choose a subscription tier and confirm your subscription.
If you do not subscribe by the end of the trial, your access to paid features will be suspended. Your data will be retained consistent with the Privacy Policy for a reasonable grace period to allow you to subscribe later or export your records.
Trials are limited to one per agent. Override Agency may decline or terminate a trial if we suspect abuse, fraud, or duplicate accounts.

7. Cancellation and refund policy

You may cancel your subscription at any time through the customer billing portal we provide via Stripe. Cancellation takes effect at the end of the current paid period; you retain access to the Platform until that date.

Monthly plans: access continues until the end of the current month; no pro-ration; no refund.
Annual plans: access continues until the end of the prepaid year; no pro-ration on the unused portion; no refund.
Appointments product: appointments are non-refundable. In the event of a documented no-show by the prospect, your sole and exclusive remedy is a replacement appointment, subject to availability and our verification of the no-show.

Cancellation does not waive your obligation to pay any unpaid fees or taxes accrued before the cancellation effective date.

8. Acceptable use

You agree that you will not, and will not permit any third party to:

Use the Platform for any unlawful, fraudulent, or deceptive purpose, or in violation of any applicable law, regulation, or order of a competent regulator.
Enter, upload, or process personal information about any individual unless you have a lawful basis to do so under applicable privacy law (including PIPEDA, Law 25, PIPA, and the Criminal Code where consent for recording is in scope).
Use the Platform on behalf of any unlicensed third party or to facilitate the unlicensed sale of insurance products.
Scrape, harvest, mirror, resell, sublicense, white-label, or otherwise commercialize Platform output or data outside the ordinary course of your licensed insurance practice.
Reverse engineer, decompile, disassemble, or attempt to derive source code or underlying ideas from the Platform, except to the extent that this restriction is prohibited by applicable law.
Probe, scan, penetrate, overload, or otherwise interfere with the Platform’s integrity, performance, or security.
Introduce malware, automated agents, or unauthorized scripts designed to manipulate Platform behaviour or extract data at scale.
Use the Platform to send spam or to engage in any activity that violates the Canadian Anti-Spam Legislation (CASL) or analogous law.
Bypass or attempt to bypass any access control, rate limit, or tier restriction of the Platform.

9. Carrier portal automation

The Platform connects to carrier advisor portals on your authority. When the Platform drives a carrier portal session to submit an application, it does so as your authorized agent, using cookies you have produced by signing in through our remote browser.

You remain solely responsible for compliance with each carrier’s own terms of service, advisor agreements, confidentiality requirements, and submission rules.
You are responsible for the accuracy and completeness of every application submitted through the Platform. You must review the AI-generated draft before submission and correct any errors. We do not warrant the correctness of any field automatically extracted from a meeting transcript or other source.
Override Agency is not a party to your contract with any carrier and accepts no liability arising from the carrier-agent relationship, commissions, chargebacks, or carrier compliance actions.
We may suspend a carrier integration without notice if a carrier objects to automated submissions, changes its portal in a way that prevents safe automation, or notifies us of a compliance concern.

10. Meeting recording consent

The Platform’s Zoom integration records meetings and produces live transcripts. You are solely responsiblefor obtaining valid consent from every meeting attendee before any meeting is recorded or transcribed, in accordance with applicable law. Where any attendee is a Quebec resident, you must comply with the express-consent requirements of Quebec’s Law 25. You must also disclose, before recording begins, that an automated transcription service is being used, that structured fields may be extracted by an AI model on behalf of Override Agency, and that the call may be monitored for training and coaching purposes (including live listen-in by your upline or downline through Command Center).

You agree to indemnify Override Agency for any claim arising from your failure to obtain proper consent (see Section 16).

11. Agent content and client data

Any data you input or upload to the Platform — including leads, clients, meeting recordings, transcripts, applications, and documents (collectively, “Agent Content”) — remains your property or, where applicable, the property of the underlying data subject. You retain all rights, title, and interest in and to Agent Content.

You hereby grant Override Agency a worldwide, non-exclusive, royalty-free, time-limited license to host, copy, transmit, process, display, modify (only as needed to render the Platform), and create derivative outputs (such as transcripts and structured extractions) from Agent Content, solely for the purpose of providing the Platform to you and complying with our legal obligations. The license terminates when you delete the relevant Agent Content or close your account, subject to the retention periods in our Privacy Policy.

You represent and warrant that:

You have all rights and consents necessary to upload, process, and use the Agent Content through the Platform.
The Agent Content does not infringe any third-party intellectual property right or privacy right.
Application data submitted to carriers through the Platform is, to your knowledge, true, accurate, and complete.

12. Intellectual property

The Platform, including all software, source code, designs, content, trademarks, service marks, logos, and any improvements thereto, is owned by Override Tech LLC or our licensors and is protected by Canadian, U.S., and international intellectual property laws.

Subject to your continued compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform during the term of your subscription, solely for your internal business as a licensed life-insurance agent. No other rights are granted by implication, estoppel, or otherwise. You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works based on the Platform, except as expressly permitted by these Terms or applicable law.

Feedback or suggestions you provide about the Platform may be used by us without restriction or compensation.

13. Third-party services

The Platform integrates with third-party services that you connect and use under your own credentials, including Stripe, Browserbase, Zoom, DocuSign, Google Workspace, Resend, and Railway-hosted infrastructure. Your use of those services is governed by each provider’s own terms of service and privacy policy. Override Agency does not control and is not responsible for the availability, accuracy, content, or practices of any third-party service.

14. Disclaimers

To the maximum extent permitted by applicable law, the Platform is provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, whether express, implied, statutory, or otherwise. Override Agency expressly disclaims all warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, uninterrupted operation, and freedom from harmful components.

Without limiting the foregoing, we do not warrant that AI-generated outputs (including transcripts and field extractions) are accurate, complete, or fit for any particular purpose. You must independently review every application, transcript, and extracted field before relying on it or submitting it to any carrier or regulator. The Platform is a tool to assist you; it does not replace your professional judgment as a licensed agent.

Some jurisdictions, including some Canadian provinces, do not allow the exclusion of certain implied warranties or conditions, so some of the above exclusions may not apply to you.

15. Limitation of liability

To the maximum extent permitted by applicable law, in no event will Override Tech LLC, its affiliates, officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business opportunities, or commissions, arising out of or relating to these Terms or the Platform, even if we have been advised of the possibility of such damages.

Our aggregate liability arising out of or relating to these Terms or the Platform, regardless of the form of action, is limited to the greater of (a) the total fees you have paid to Override Agency for the Platform in the twelve (12) months immediately preceding the event giving rise to the claim, and (b) one hundred Canadian dollars (CAD $100).

Some jurisdictions do not allow the exclusion or limitation of liability for certain damages (such as gross negligence, willful misconduct, fraud, or bodily injury). To the extent any such limitation is not permitted, the limitation will apply only to the fullest extent allowed by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless Override Tech LLC and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

Your breach of these Terms or our Privacy Policy.
Your misuse of the Platform, including any violation of the acceptable-use rules in Section 8.
Your breach of any carrier’s terms of service, advisor agreement, or compliance rules.
Any application data you submit through the Platform that is false, misleading, or unauthorized.
Your failure to obtain valid consent from meeting attendees before recording or transcription.
Any third-party claim that your Agent Content infringes that third party’s rights.

17. Suspension and termination

We may suspend or terminate your access to the Platform, in whole or in part, with or without notice, if we reasonably believe that: (a) you have breached these Terms; (b) your account has been compromised; (c) we are required to do so by law or by a competent regulator or carrier; (d) your account is delinquent on fees; or (e) you have engaged in fraud or activity harmful to other users, carriers, or Override Agency.

You may terminate your account at any time by deleting it through the Platform settings. Upon termination:

Your access to the Platform, including all stored leads, clients, transcripts, applications, and documents, will end.
The Platform will release the Browserbase contexts associated with your carrier connections, which causes the carrier session cookies to be discarded.
We will retain billing records as required by tax and regulatory law and other records as described in the Privacy Policy.

You are responsible for exporting your lead, client, meeting, and application records before termination. We provide an export tool inside the Platform for this purpose. Sections 8, 11–16, and 19–21 survive termination.

18. Modifications to these terms

We may update these Terms from time to time. When we make material changes, we will provide at least 30 days’ notice by email and via an in-Platform banner. The updated Terms take effect on the date stated at the top of this page. Your continued use of the Platform after the effective date constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Platform.

19. Governing law and dispute resolution

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

19.1 Informal resolution

Before commencing any formal proceeding, the parties agree to attempt in good faith to resolve any dispute by sending written notice to the other party describing the dispute, and engaging in a good-faith discussion for at least 30 days.

19.2 Binding arbitration

If the dispute is not resolved through informal discussion, the parties agree to submit the dispute to binding arbitration administered by the ADR Institute of Canada under its Arbitration Rules in effect on the date the arbitration is commenced. The arbitration will be conducted by a single arbitrator, in English, seated in Toronto, Ontario, unless the parties agree otherwise. The arbitrator’s decision is final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Carve-out for intellectual property and injunctive relief. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction in Toronto, Ontario, to prevent the unauthorized use, infringement, or misappropriation of its intellectual property, confidential information, or proprietary rights, without first satisfying the informal-resolution or arbitration requirements above.

19.3 Class-action waiver

To the maximum extent permitted by applicable law, the parties agree that disputes will be resolved on an individual basis and not as part of a class, collective, or representative action. This waiver does not apply where prohibited by applicable consumer-protection law.

19.4 Venue

For any claim that may not be submitted to arbitration under this Section 19, the parties consent to the exclusive jurisdiction of the courts located in Toronto, Ontario, Canada.

20. Miscellaneous

Entire agreement. These Terms, together with the Privacy Policy and any order form or addendum we expressly incorporate, constitute the entire agreement between you and Override Agency regarding the Platform, and supersede all prior or contemporaneous agreements, communications, and proposals on the subject matter.
Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be modified to the minimum extent necessary to be enforceable, and the remaining provisions will continue in full force and effect.
No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
Assignment. You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, financing, or sale of assets. Any assignment in violation of this section is void.
Force majeure. Neither party is liable for any failure or delay in performance (other than payment obligations) caused by events beyond its reasonable control, including natural disasters, internet or power outages, third-party service failures, labour disputes, governmental orders, or acts of war or terrorism.
Notices. Notices to you may be sent to the email address associated with your account or posted within the Platform. Notices to us must be sent to [email protected].
Language.The parties have requested that these Terms and all related documents be drafted in English. Les parties ont exigé que la présente convention et tous les documents connexes soient rédigés en anglais.
Independent contractors. The parties are independent contractors. These Terms do not create any partnership, joint venture, agency, or employment relationship.

21. Contact information

For notices and questions about these Terms, contact:

Override Tech LLC (d/b/a Override Agency)
26 Van Riepen Ave, Jersey City, NJ 07306, United States
Email: [email protected]
Phone: (973) 519-2861