NorthCrown Terms of Service

Version 2026-08-09.v1 · Operated by Frost Financial

1. The service

NorthCrown is a customer-relationship platform for licensed insurance agents and agencies: contacts, pipelines, tasks, calendars, messaging, a book of business, and an optional lead marketplace. You must be at least 18 and use the service for lawful business purposes.

2. Accounts

You are responsible for your credentials, for the accuracy of information you provide, and for the actions of users you invite into your workspace. Workspace roles control what your users can do; you control those roles.

3. Subscription and billing

The subscription is $50 per month per workspace after a 10-day free trial. A valid payment method is required to start the trial; the first charge occurs at trial end unless you cancel first. Payments are processed by Stripe — card details go directly to Stripe and never touch NorthCrown. If a renewal fails you keep access for a 10-day recovery window; unresolved failures suspend access (never your data) until payment is recovered. You can cancel anytime, effective at the end of the paid or trial period. Complimentary access, where granted, waives the subscription fee only.

4. Optional marketplace funding

The lead marketplace is optional and separate from the subscription. Participation requires prepaid wallet funding for your share of advertising; wallet accounting is ledger-based, auto-recharge is charged off-session with your authorization, and a failed recharge pauses your lead eligibility immediately (your settings and history are preserved). Wallet funds pay for advertising participation and lead allocation is not a guarantee of lead volume or sales outcomes.

5. Leads, messaging, and compliance

Leads may arrive from advertising platforms (for example Meta forms via integration partners). YOU are responsible for lawful use of lead data and for compliance with insurance regulations, telemarketing and SMS laws (including TCPA and carrier A2P requirements), do-not-call rules, and consent management in your jurisdictions. NorthCrown records lead consent evidence where provided but does not give legal advice and is not a substitute for your own compliance program.

6. Your data

Your workspace data belongs to you. We process it to operate the service as described in the Privacy Policy. We use tenant-level isolation controls to separate workspaces. Suspension or cancellation restricts access but does not delete your data; contact support for export or deletion.

7. Acceptable use

No unlawful, deceptive, or abusive use; no attempts to breach isolation or security controls; no unsolicited messaging in violation of law; no reselling access without agreement.

8. Availability and changes

The service is provided "as is" without uptime guarantees; we work to keep it available and secure but interruptions can occur. Features may evolve; material adverse changes to paid features are communicated.

9. Liability

To the maximum extent permitted by law, Frost Financial is not liable for indirect or consequential damages, lost profits, or lost data, and total liability is limited to the fees you paid in the twelve months before the claim.

10. Termination

You may cancel anytime. We may suspend or terminate accounts that violate these terms or create legal or security risk, with notice where practicable.

11. Governing law and contact

Governing law: the state of Frost Financial's principal place of business (attorney confirmation pending). Questions: support@northcrowncrm.com.

This baseline is pending attorney review; using the service constitutes acceptance of the version shown above.