Terms of Service

Fennel Insure Inc., doing business as Fennel Insurance Services (“Fennel,” “we,” “us,” or “our”) operates fennel.insure, a licensed commercial insurance brokerage platform. We act as broker of record between you and insurance carriers. We are licensed in California; coverage in other states is subject to applicable non-resident license requirements.

These Terms of Service (“Terms”) govern your access to and use of the Fennel platform, including our website, API, and any related services (collectively, the “Service”).

By creating an account or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service. If you are using the Service on behalf of a business, you represent that you have authority to bind that business to these Terms.

Fennel is a licensed insurance broker, not an insurer. We do not underwrite or issue insurance policies. Insurance policies are issued by third-party carriers (currently Coterie Insurance). The terms, conditions, and premium of any policy are set by the carrier, not by Fennel.

Nothing on the platform constitutes legal or insurance advice. AI-extracted insurance requirements are provided as a convenience and may contain errors. You are solely responsible for verifying that any policy you bind meets your contractual obligations.

Fennel is compensated for the insurance products offered through the Service. In most cases we earn a commission paid by the insurance carrier, calculated as a percentage of the policy premium (generally 10–15%). This commission is paid by the carrier and does not increase the premium you pay.

We may also earn a separate subscription fee for access to the platform (see Section 9). Our compensation may vary by carrier and product, which could create an incentive to recommend one product over another. You are entitled to more information about the compensation we expect to receive for a particular placement; email legal@fennel.insure to request it.

You must be at least 18 years old and legally authorized to enter contracts in your jurisdiction. The Service is intended for businesses and individuals purchasing commercial insurance, not personal lines. Coverage availability varies by state.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate, complete, and current information when creating your account and when submitting insurance applications. Providing false or misleading information to obtain insurance coverage may constitute fraud and void your policy.

Fennel uses artificial intelligence to extract insurance requirements from contracts you upload. These extractions are provided as recommendations only. The AI may misread, miss, or incorrectly interpret contract language. You must review all extracted requirements before proceeding to obtain a quote or bind a policy.

Fennel is not liable for any losses arising from inaccurate AI extractions that you did not independently verify.

Policies are bound only upon your explicit confirmation through the platform. We do not automatically bind policies. Once bound, a policy is a contract between you and the carrier; it is subject to the carrier's terms and conditions, which will be provided to you at or before binding. Cancellation, endorsement, and coverage disputes are governed by the carrier's policy terms and applicable law.

Fennel offers Free, Pro, and Agency subscription tiers. Paid subscriptions are billed by Stripe. You authorize us to charge the payment method on file on a recurring basis. Subscriptions auto-renew unless cancelled before the renewal date. Insurance premiums are billed separately and directly by the carrier.

Fennel does not offer refunds on subscription fees for partial billing periods, except where required by applicable law. We may change subscription pricing on a prospective basis with at least 30 days' notice; changes take effect at your next renewal.

You retain ownership of contracts and documents you upload. By uploading content, you grant Fennel a limited license to process that content solely for the purpose of providing the Service to you. We will not share your uploaded contracts with third parties except as necessary to provide the Service (e.g., transmission to an AI API for parsing). See our Privacy Policy for details.

The Service, including the platform software, design, logos, wordmark, and all content we create (excluding your uploaded content), is owned by Fennel or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own business purposes. You may not copy, modify, distribute, sell, or lease any part of the Service, and you may not reverse engineer or attempt to extract our source code except to the extent that restriction is prohibited by law.

If you send us suggestions, ideas, or other feedback about the Service, you grant Fennel a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate that feedback without any obligation or compensation to you. Feedback is provided voluntarily and is not confidential.

The Service relies on and links to third-party services, including insurance carriers (Coterie), payment processing (Stripe), and optional integrations you connect (e.g., Google Drive, Dropbox, PandaDoc). Your use of those services is governed by their own terms and privacy policies, and Fennel is not responsible for their content, availability, or practices. Connecting a third-party integration authorizes Fennel to access the data you designate for the purpose of providing the Service.

By using the Service, you consent to receive communications, disclosures, agreements, notices, and records from Fennel electronically—by email, by text message where you have opted in, or by posting to the platform—rather than on paper. This includes policy documents, certificates of insurance (COIs / ACORD 25 forms), renewal notices, billing statements, and legal notices. You agree that electronic delivery has the same legal effect as a paper record under the federal E-SIGN Act and comparable state law.

To receive electronic records you need a device with internet access, a current browser, and a valid email address. You may withdraw consent to electronic delivery or request a paper copy by emailing legal@fennel.insure, though doing so may limit your ability to use the Service.

If you provide a mobile number and opt in, Fennel may send you text (SMS) messages about your account, quotes, policies, renewals, and follow-up items. Message frequency varies. Message and data rates may apply. Consent to receive texts is not a condition of purchase. You can opt out at any time by replying STOP to any message, or reply HELP for help. Carriers are not liable for delayed or undelivered messages.

You agree not to:

• Use the Service to obtain insurance under false pretenses
• Upload malicious files or content designed to harm the Service
• Reverse engineer, scrape, or copy the platform without permission
• Use the Service for any unlawful purpose
• Resell or sublicense the Service without a written agreement with Fennel

You may stop using the Service and close your account at any time. We may suspend or terminate your access, with or without notice, if you breach these Terms, if we are required to by law or a carrier, or if we discontinue the Service. Termination does not affect any insurance policy already bound—that policy remains a contract between you and the carrier and is governed by the carrier's terms.

Sections that by their nature should survive termination—including Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, Dispute Resolution, and Governing Law—survive.

To the extent permitted by law, you agree to indemnify and hold harmless Fennel and its officers, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Service, your violation of these Terms, your violation of any law or the rights of a third party, or information you submitted that was false or misleading.

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. FENNEL DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR COVERAGE WILL BE AVAILABLE IN YOUR STATE. AI EXTRACTIONS ARE NOT GUARANTEED TO BE ACCURATE OR COMPLETE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FENNEL'S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO FENNEL IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100. FENNEL IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

Please read this section carefully—it affects your legal rights. Except for the exceptions below, you and Fennel agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration on an individual basis, rather than in court. Arbitration will be administered by a recognized arbitration provider under its consumer rules, and judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver.You and Fennel agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims.

Exceptions.Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court for the misuse of intellectual property. This section does not govern disputes about the terms of an insurance policy itself, which are governed by the carrier's policy and applicable insurance law.

30-day right to opt out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@fennel.insure with your name, account email, and a statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Subject to Section 21, any disputes not subject to arbitration shall be resolved in the state or federal courts located in San Francisco County, California.

We may update these Terms from time to time. We will notify you by email or via a notice in the platform at least 14 days before material changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

These Terms and the Privacy Policy are the entire agreement between you and Fennel regarding the Service and supersede any prior agreements. If any provision is found unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for any failure or delay caused by events beyond our reasonable control. Section headings are for convenience only.

Questions about these Terms? Email us at legal@fennel.insure.