Terms of Service

1. Acceptance of Terms

By accessing or using Modern Voice's services, you agree to be bound by these Terms of Service, our Privacy Policy, and our Refund Policy. If you do not agree, do not use the platform.

2. Services

Modern Voice provides AI-powered software services for the insurance industry, delivered through a cloud-based platform. We reserve the right to modify, suspend, or discontinue any part of the service at any time without notice.

3. Accounts and Access

To use our services, you must create an account and provide accurate, up-to-date information. You are responsible for safeguarding your login credentials and all activity under your account.

4. Payment and Billing

All fees are billed through Stripe. We support monthly, annual, usage-based, and one-time payments. You authorize us to charge your chosen payment method according to your selected plan.

All payments are final. No refunds or prorations will be provided. See our Refund Policy for details.

5. Use Restrictions

You agree not to:

• Use our services for illegal or unauthorized purposes
• Interfere with or disrupt the platform or its servers
• Attempt to reverse-engineer or copy any part of our technology
• Use the platform in a way that violates any laws or regulations

We reserve the right to suspend or terminate accounts that violate these terms.

6. Intellectual Property

All content, trademarks, software, and technology on Modern Voice are owned by us or our licensors. You may not use, copy, or reproduce them without our permission.

7. Termination

We may suspend or terminate your access at any time for violation of these terms or misuse of the service. You may also cancel your subscription at any time.

8. Limitation of Liability

To the maximum extent permitted by law, Modern Voice shall not be liable for any indirect, incidental, or consequential damages, including loss of data, profits, or business opportunities, even if advised of such risks.

9. Disclaimer

We provide the service "as is" and "as available." We make no warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement.

10. Governing Law

These Terms are governed by the laws of the State of Nevada, without regard to conflict of law principles. Any disputes will be resolved in the courts of Clark County, NV.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use after changes means you accept the new terms.