Effective Date: October 12, 2026
By accessing and using Delegance Brokerage's services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
Delegance Brokerage provides insurance brokerage services, including but not limited to:
To use our services, you must be at least 18 years of age and have the legal authority to enter into this agreement on behalf of yourself or the business entity you represent. By creating an account, you represent and warrant that you meet these eligibility requirements and are an authorized representative of the company you are registering.
You agree to:
We are committed to protecting your privacy and handling your data responsibly. Our data practices are detailed in our Privacy Policy, which forms an integral part of these Terms of Service.
All content, features, and functionality of our platform, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the exclusive property of Delegance Brokerage and are protected by copyright, trademark, and other intellectual property laws.
Delegance Brokerage shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services. In no event shall our total liability exceed the greater of (a) the amount you paid us in the twelve months preceding the claim, or (b) one hundred dollars ($100).
You agree to indemnify, defend, and hold harmless Delegance Brokerage, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of our services; (b) your violation of these Terms; (c) your violation of any third-party rights, including intellectual property or privacy rights; or (d) any content or information you submit through our platform.
Our AI-powered analysis and recommendations are provided for informational purposes only. Final insurance decisions should always be made in consultation with qualified insurance professionals. We do not guarantee coverage or claims outcomes. Section 9A describes transactions you direct yourself without asking for a broker review.
A "Self-Directed Transaction" is one in which you, or a software agent acting for you, select the coverage, limits, deductibles, carrier, or offer and request a bind without first asking for a review by a licensed Delegance broker. This includes transactions made through our command-line interface, our API, our MCP server, or any other self-service flow.
In a Self-Directed Transaction, Delegance Brokerage acts on your instructions as an order-taker. We do not advise you on whether the coverage, limits, or carrier you chose are adequate or suitable for your needs. Automated information our platform shows you, such as quote comparisons, suggested coverages, or answers from our AI assistant, is informational under Section 9 and is not a licensed broker's individualized review.
In a Self-Directed Transaction, you are responsible for:
You may ask for a review by a licensed Delegance broker before you bind, at any time. To ask, email [email protected] with your quote reference before you bind. In our command-line interface, delegance bind <submissionId> <offerId> --broker-review binds nothing and prints that address with a pre-filled message; the request is made when you send the email. A transaction is not a Self-Directed Transaction when a licensed Delegance broker has reviewed it with you before you bind. Asking for a review and then binding before the broker responds is still a Self-Directed Transaction.
Section 7 (Limitation of Liability) and Section 14 (Dispute Resolution and Arbitration) apply to Self-Directed Transactions. Nothing in this Section limits our responsibility for our own negligence, for errors we make in carrying out your instructions, or for any misrepresentation we make, and nothing in this Section disclaims any duty that applicable law does not allow us to disclaim.
When you provide an electronic signature to Delegance Brokerage — including any signature captured during a Broker of Record (BOR) agreement, authorization form, or similar engagement document — you expressly authorize Delegance Brokerage to apply that signature, on your behalf and in your name, to:
This authorization applies to the duration of your active engagement with Delegance Brokerage and may be revoked at any time by written notice to your broker. Revocation applies prospectively — it does not unwind documents already submitted to carriers. Your stored signature is retained on encrypted object storage and is used exclusively for the purposes described above. We will not apply your signature to any document that falls outside this scope without obtaining additional written consent.
You agree that signatures applied under this authorization carry the same legal effect as a wet-ink signature, consistent with the federal E-Sign Act and applicable state Uniform Electronic Transactions Act (UETA) provisions.
Availability of the Delegance Brokerage web portal and its authenticated API is governed by our Service Level Agreement, which is incorporated into these Terms by reference. The Service Level Agreement states our uptime commitment, how availability is measured by an independent third-party monitor, the exclusions that apply, our support response targets, and the service credits available if we fall short. Where these Terms and the Service Level Agreement conflict on the subject of platform availability, the Service Level Agreement controls.
Outside the commitments in the Service Level Agreement, we do not guarantee uninterrupted access, and we reserve the right to modify, suspend, or discontinue any aspect of our services. We will give reasonable advance notice of any discontinuation of a service you actively use, except where immediate action is required to address a security vulnerability, a threat to data integrity, or a legal or regulatory obligation.
Either party may terminate this agreement at any time. Upon termination, your right to use our services will cease immediately, but provisions regarding intellectual property, limitation of liability, indemnification, and dispute resolution will survive.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any legal action arising out of these Terms shall be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts.
Any dispute, controversy, or claim arising out of or relating to these Terms or our services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Delaware, and the arbitrator's decision shall be final and binding. You agree to waive your right to participate in a class action lawsuit or class-wide arbitration. Notwithstanding the foregoing, either party may seek injunctive relief in any court of competent jurisdiction for violations of intellectual property rights or confidentiality obligations.
We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through our platform. Continued use of our services after such modifications constitutes acceptance of the updated terms.
If you have any questions about these Terms of Service, please contact us at:
Delegance Brokerage
Email: [email protected]
See also our Service Level Agreement and Privacy Policy.