Terms of Use

These Terms govern the technology and general website use. A proposal, engagement agreement, statement of work, confidentiality agreement, court order, or other signed document governs professional services. If the documents conflict, the signed engagement-specific document controls for that engagement.

You must be at least 18 years old and legally able to enter a contract. The platform is intended for authorized business and professional users. Access may be limited by client organization, engagement, role, assignment, or management approval. No one may use another person’s account or access information beyond the permissions ISPG has granted.

ISPG provides professional consulting and technology-supported services that may include agency operational reviews, condominium insurance-program and annual-renewal reviews, litigation consulting, expert analysis and testimony, and education or speaking. ISPG is not acting through the website as a retail insurance agency or broker, public adjuster, claim negotiator, law firm, or general expert marketplace. Accessing content, submitting a form, creating an account, or communicating through the website does not create an engagement, fiduciary relationship, attorney-client relationship, expert-retention relationship, or obligation to accept a matter.

A professional engagement begins only when ISPG completes required conflict and acceptance review, the parties sign the applicable agreement, and any required retainer or payment is received. ISPG may decline any inquiry or proposed engagement, subject to law and any existing contractual obligation.

Public website content and general platform guidance are for informational purposes. They are not legal advice, insurance-placement advice, coverage advice for a specific policy, claims advice, accounting or tax advice, or a substitute for advice from a qualified professional who has reviewed the complete facts and controlling documents. Insurance policies, laws, regulations, standards, and practices change and may vary by jurisdiction and context. Do not act or refrain from acting on public content alone.

• Provide accurate, current information and keep it updated.
• Protect account credentials, use a unique strong password, and do not share authentication methods.
• Use only the organization, engagement, and role assigned to you, and promptly report an incorrect permission or unexpected record.
• Notify ISPG promptly of suspected loss, compromise, or unauthorized use of an account or device.
• Accept responsibility for activity conducted through your account until ISPG receives notice and has a reasonable opportunity to respond.

ISPG may require identity or authority verification, suspend an account, reset credentials, restrict a function, preserve records, or take other reasonable steps to protect the platform, an engagement, or another user.

You may use the website and platform only for lawful, authorized business relating to ISPG. You may not:

• Access or attempt to access another user’s account, another organization’s records, internal-only material, or any system area not assigned to you.
• Upload malicious code, unlawful material, or content that infringes, misappropriates, or violates another person’s rights.
• Probe, scan, overload, disrupt, bypass, reverse engineer, scrape, copy at scale, or interfere with security or operation, except for activity ISPG has authorized in writing.
• Use automated means to harvest information, train an external model, build a competing dataset or service, or monitor other users.
• Misrepresent identity, authority, evidence, credentials, affiliation, or the source or integrity of a record.
• Remove notices, alter audit history, conceal unauthorized activity, or use the platform to violate a court order, professional duty, confidentiality obligation, or law.
• Upload unnecessary highly sensitive information or transmit client files through an unapproved channel.

You retain any ownership you have in information and files you submit (User Content). You grant ISPG a nonexclusive, limited right to host, copy, process, transmit, display, and create engagement work product from User Content as reasonably necessary to operate the platform, perform an authorized engagement, protect the services, and comply with law. This permission ends when the relevant purpose and retention period end, except for records ISPG must preserve.

You represent that you have the necessary rights and authority to provide User Content and instructions to ISPG. You must identify known confidentiality, privilege, protective-order, retention, or access restrictions before transfer. A platform label does not independently create legal privilege or confidentiality. Ownership and permitted use of formal deliverables are governed by the applicable engagement agreement.

Portal messages, approvals, status changes, document activity, and agreement actions may be recorded as part of the business or engagement history. You consent to receive electronic notices and records at the account or email address you provide, subject to any legal right to request another format. Typing a name, selecting an acceptance control, or using an electronic-signature function may constitute an electronic signature when the interface clearly identifies that consequence. Do not sign or approve for another person unless authorized.

The platform may use search, workflow, rules-based, or artificial-intelligence-assisted functions to organize, retrieve, summarize, compare, or draft information. Machine-generated or automated output may be incomplete, inaccurate, or unsuitable for a particular purpose. It must not be treated as a final professional opinion unless an authorized ISPG professional has reviewed and expressly issued it as such. Users must independently review information appropriate to their role and must not use platform output to make an unauthorized legal, coverage, employment, claim, or other material decision.

Scheduling functions are administrative and do not guarantee acceptance, availability, attendance, or completion by a requested date. Fees, retainers, deposits, milestones, expenses, cancellation terms, and payment obligations are established by the applicable proposal or engagement agreement. A portal display is a convenience; ISPG’s books and the controlling agreement determine the amount due, subject to correction of error. Third-party payment services, when enabled, may impose their own terms.

The website, platform, design, software, text, graphics, taxonomy, workflows, templates, review engines, methods, and ISPG marks are owned by ISPG or its licensors and are protected by applicable law. Subject to these Terms, ISPG grants authorized users a limited, revocable, nonexclusive, nontransferable right to use the platform for its intended purpose. No right is granted to copy, license, resell, publish, distribute, create derivative products from, or commercially exploit ISPG materials except as a signed agreement expressly allows.

If you voluntarily provide feedback, you authorize ISPG to use it without restriction or compensation, provided ISPG does not disclose confidential client information in doing so. Reports and other engagement deliverables remain subject to the ownership, reliance, distribution, and use terms in the applicable engagement agreement.

The website or platform may link to or interoperate with services supplied by others, such as authentication, scheduling, communications, signatures, payments, storage, analytics, or meeting providers. Their services may be governed by separate terms. ISPG does not control unrelated third-party websites and is not responsible for their content or practices. ISPG’s responsibility for contracted service providers is determined by applicable law and the relevant agreements.

ISPG may maintain, modify, replace, limit, or discontinue a website or platform function. ISPG will use reasonable efforts to avoid unnecessary disruption and to communicate material planned changes affecting active engagements when practical. The website and platform may be unavailable because of maintenance, security response, vendor failure, internet conditions, force majeure, or other circumstances. Users should not rely on the platform as the sole repository for a deadline-critical record unless the engagement agreement expressly provides otherwise.

ISPG may suspend or terminate access for violation of these Terms, security risk, unauthorized access, nonpayment, a client organization’s instruction, the end of an engagement or role, or another lawful business reason. Where reasonable, ISPG will provide notice and an opportunity to export authorized information. Suspension or termination does not eliminate payment, confidentiality, preservation, intellectual-property, indemnity, limitation, dispute, or other obligations that by their nature continue.

To the fullest extent permitted by law, the public website, general content, and platform functions are provided on an as is and as available basis. ISPG disclaims implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. ISPG does not warrant that the website or platform will be uninterrupted, error free, completely secure, or that general content or automated output will be complete or current. These disclaimers do not alter an express commitment in a signed engagement agreement and do not exclude a warranty that cannot lawfully be excluded.

To the fullest extent permitted by law, ISPG and its owners, personnel, contractors, and licensors will not be liable under these Terms for indirect, incidental, special, exemplary, punitive, or consequential damages, or for lost profits, revenue, data, or business opportunity, arising from general website or platform use. For claims governed only by these Terms, ISPG’s aggregate liability will not exceed the greater of one hundred dollars or the amount you paid ISPG specifically for access to the website or platform during the twelve months before the event giving rise to the claim. This section does not replace a liability provision in a signed engagement agreement and does not limit liability that cannot lawfully be limited.

To the extent permitted by law, you agree to defend, indemnify, and hold harmless ISPG and its owners, personnel, contractors, and licensors from third-party claims, damages, and reasonable costs arising from your unlawful or unauthorized use, your User Content, your violation of these Terms, or your infringement of another person’s rights. This obligation does not apply to the extent a claim results from ISPG’s own conduct for which indemnification cannot lawfully be required, and it is subject to any controlling engagement agreement.

These Terms are governed by Florida law, without regard to conflict-of-law rules. Unless a signed engagement agreement provides a different process, the parties will first attempt in good faith to resolve a dispute through written notice and a management conference. Any court proceeding concerning these Terms must be brought in a court of competent jurisdiction in Florida, and each party consents to personal jurisdiction there.

ISPG may update these Terms to reflect changes in the services, technology, or law. The posted version will show an effective date. Material changes will apply prospectively, and ISPG will provide additional notice when required or when reasonably appropriate for active account users. Continued use after the effective date constitutes acceptance to the extent permitted by law.

If a provision is unenforceable, it will be modified only as much as necessary and the remaining provisions will continue. A waiver must be intentional and does not waive a later breach. You may not assign these Terms without ISPG’s written consent; ISPG may assign them in connection with a reorganization, financing, or transfer of the relevant business, subject to law. Headings are for convenience. These Terms, the Privacy Policy, and any controlling signed agreement constitute the applicable agreement concerning their subject matter.

Questions about these Terms may be sent to support@ispggroup.com. Do not use ordinary email to submit confidential matter documents or meet a legal deadline unless ISPG has expressly approved that method in writing.