Terms of Service

Effective Date: April 24, 2026

These Terms govern the use of Bear Insurance Group’ platforms, systems, leads, and agent affiliations. By using our Resources, you agree to be bound by these Terms, which include provisions about lawful marketing practices, data privacy compliance, and legal liability limits.

Resources include our CRM, agent portal, websites, and leads. They are provided "as is" without warranty. Your use must comply with these Terms and all applicable laws.

You agree not to:

• Sell leads without authorization.
• Use robocalls, spam, autodialers, or unconsented communication.
• Market without DNC screening or proper permissions.
• Violate CMS rules or federal/state marketing laws (TCPA, HIPAA, CCPA).

We may contact you by phone, email, or text in relation to your agent status. You can opt out by notifying us.

Agents are independent contractors unless otherwise designated. These Terms do not establish an employment or joint venture relationship.

Use of Bear Insurance Group’ logos or trademarks without permission is prohibited.

You agree to hold Bear Insurance Group harmless from legal claims resulting from your violation of these Terms or any laws in relation to your use of our Resources.

Our liability to you is limited to the greater of $1,000 or fees you paid for use of our Resources. We are not responsible for indirect or punitive damages.

Disputes will be resolved through binding arbitration in Dallas, Texas under the AAA rules. Class actions and jury trials are waived.

If any part of these Terms is unenforceable, the remaining parts remain in effect. A failure to enforce a provision is not a waiver of future enforcement.