Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using our website and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.

We reserve the right to modify these Terms at any time. Your continued use of our Services following any changes constitutes acceptance of those changes.

2. Description of Services

Unisoft provides specialized communication software solutions for the insurance and finance industry, including:

• Insurance Management System
• Premium Finance System
• Tag Agencies Software (ATARES)
• Related support and consulting services

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without prior notice.

3. User Accounts and Registration

3.1 Account Creation

To access certain features of our Services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized access or security breaches
• Accept responsibility for all activities under your account

3.2 Account Restrictions

You may not:

• Create an account using false or misleading information
• Create multiple accounts for fraudulent purposes
• Share your account credentials with unauthorized third parties
• Impersonate another person or entity

4. Acceptable Use Policy

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Transmit any harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the operation of our Services
• Use automated tools (bots, scrapers) without our written permission
• Reverse engineer, decompile, or attempt to extract source code
• Use our Services to distribute malware, viruses, or harmful code
• Engage in fraudulent activities or misrepresent your identity

5. Intellectual Property Rights

5.1 Our Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, software code, and documentation, are the exclusive property of Unisoft or its licensors and are protected by copyright, trademark, patent, and other intellectual property laws.

5.2 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your internal business purposes. This license does not include any rights to:

• Modify, copy, distribute, or create derivative works
• Reverse engineer or attempt to extract source code
• Remove or alter any proprietary notices or labels
• Use our Services for competitive purposes

5.3 Trademarks

The Unisoft name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Unisoft or its affiliates. You may not use these marks without our prior written permission.

6. Payment Terms and Subscriptions

6.1 Fees

Certain aspects of our Services may require payment of fees. You agree to pay all applicable fees as described at the time of purchase. All fees are non-refundable unless otherwise stated in your service agreement.

6.2 Billing

By providing payment information, you authorize us to charge the applicable fees to your designated payment method. You are responsible for providing accurate billing information and promptly updating it if changes occur.

6.3 Subscription Renewals

If you purchase a subscription-based service, your subscription will automatically renew at the end of each billing period unless you cancel prior to the renewal date. You will be charged the then-current renewal rate.

6.4 Late Payments

Late payments may result in suspension or termination of your access to our Services. We reserve the right to charge interest on overdue amounts at the rate of 1.5% per month or the maximum rate permitted by law, whichever is less.

7. Term and Termination

7.1 Term

These Terms remain in effect while you use our Services.

7.2 Termination by You

You may terminate your account at any time by contacting us or following the cancellation procedures in your account settings.

7.3 Termination by Us

We may suspend or terminate your access to our Services immediately, without prior notice, for any reason, including but not limited to:

• Breach of these Terms
• Fraudulent or illegal activities
• Non-payment of fees
• Risk to the security or integrity of our Services

7.4 Effect of Termination

Upon termination, your right to access and use our Services will immediately cease. We may delete your account data in accordance with our data retention policies. Provisions that by their nature should survive termination will continue to apply.

8. Warranties and Disclaimers

8.1 As-Is Basis

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

8.2 No Guarantee

We do not warrant that our Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We do not guarantee the accuracy, completeness, or usefulness of any information provided through our Services.

8.3 Your Responsibility

You are solely responsible for your use of our Services and any consequences thereof. You should maintain appropriate backups of your data and implement security measures to protect your systems.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNISOFT AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS WILL NOT BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL
• ANY DAMAGES RESULTING FROM YOUR USE OF OR INABILITY TO USE OUR SERVICES
• ANY DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO YOUR DATA
• ANY DAMAGES ARISING FROM THIRD-PARTY CONTENT OR CONDUCT

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, some of the above exclusions and limitations may not apply to you.

10. Indemnification

You agree to defend, indemnify, and hold harmless Unisoft and its affiliates, officers, employees, agents, partners, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of or inability to use our Services
• Your violation of these Terms or any applicable law
• Your violation of any third-party rights
• Any content or data you submit through our Services
• Any fraudulent or illegal activities conducted through your account

11. Dispute Resolution

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

11.2 Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or our Services shall be resolved by binding arbitration in Miami-Dade County, Florida, in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

11.3 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and Unisoft individually. You waive any right to participate in a class action lawsuit or class-wide arbitration.

11.4 Exceptions

Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

12. General Provisions

12.1 Entire Agreement

These Terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Unisoft regarding our Services.

12.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

12.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

12.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

12.5 Force Majeure

We will not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or government actions.

13. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us: