These Terms of Service ("Terms") govern your access to and use of the Ramona platform, the ramona.ai website, and related services (collectively, the "Services") provided by Benefits Life, Inc. ("Benefits Life," "we," "us," or "our"). By creating an account or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
The Services are intended for licensed insurance professionals and their authorized staff. By using the Services, you represent that you hold all licenses and appointments required to conduct the activities you perform through the platform, and that you will maintain them in good standing.
You are responsible for safeguarding your account credentials and for all activity under your account. Notify us promptly at admin@benefitslife.com of any unauthorized use. We may suspend or terminate accounts that we reasonably believe have been compromised or used in violation of these Terms.
You agree not to misuse the Services. Without limitation, you will not:
Paid Services are billed on the plan and cycle you select. Free trials convert to paid subscriptions unless cancelled before the trial ends. Fees are non-refundable except as required by law or expressly stated. We may change pricing on renewal with reasonable notice. Add-ons and the Ramona Elite tier may carry separate terms and eligibility requirements.
Our handling of personal information is described in our Privacy Policy. As between you and Benefits Life, you retain ownership of the client and business data you submit ("Customer Data"). You grant us a limited license to process Customer Data solely to provide and improve the Services, consistent with applicable law and any executed business associate or data processing agreement.
The Services, including all software, design, and content provided by us, are owned by Benefits Life and its licensors and are protected by intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable right to use the Services; no other rights are granted. See our Copyright & IP notice.
The Services integrate third-party providers (including quoting, enrollment, communications, and data partners). Your use of those features may be subject to the third party's terms, and we are not responsible for third-party services.
The Services are provided "as is" and "as available." We disclaim all warranties to the fullest extent permitted by law. We do not provide insurance, legal, tax, or medical advice. See our Disclaimer for details.
To the maximum extent permitted by law, Benefits Life will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or data. Our aggregate liability arising out of or relating to the Services will not exceed the amount you paid us in the 12 months preceding the claim.
You may stop using the Services at any time. We may suspend or terminate access for violation of these Terms or as needed to comply with law. Upon termination, your right to use the Services ends; certain provisions survive termination.
These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles. The exclusive venue for disputes will be the state or federal courts located in Denver County, Colorado.
We may update these Terms from time to time. Material changes will be communicated through the Services or by email, and continued use after changes take effect constitutes acceptance.
Questions about these Terms? Contact us at admin@benefitslife.com or Benefits Life, Inc., 1616 17th Street, Suite 464, Denver, CO 80202.