Renooli

Terms and Conditions

Last Updated: April 2025

These Terms and Conditions ("Terms") govern your access to and use of the Renooli platform, websites, mobile sites, applications, and related services (collectively, the "Services") operated by 17287631 Canada Inc. ("Renooli," "we," "us," or "our").

By accessing or using the Services — including by clicking "I Agree" at account registration — you ("Broker" or "you") agree to be bound by these Terms. If you do not agree, do not access or use the Services.

These Terms incorporate our Privacy Policy. In the event of a conflict between these Terms and the Privacy Policy, these Terms prevail. We may update the Privacy Policy at any time upon reasonable notice.

1. About the Services

Renooli provides a renewal management platform that allows insurance brokerages to upload, organize, store, and manage renewal information, including client names, client codes, policy expiration dates, premiums, and related renewal details ("Renewal Data").

Renooli is not an insurance broker, agent, insurer, or financial advisor. We do not provide insurance advice or intermediary services. All contracts, communications, and obligations relating to your clients are solely between you and your clients.

2. Eligibility and Account Registration

To use the Services, you must be a duly licensed insurance brokerage or authorized representative with legal authority to bind your organization to these Terms, and you must provide accurate and complete registration information and keep it current.

You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at support@renooli.com if you become aware of any unauthorized use of your account or any security breach. Renooli is not liable for any loss or damage arising from your failure to maintain the security of your credentials.

You are responsible for ensuring that all authorized users within your organization comply with these Terms, and you remain liable for any breach caused by your authorized users.

3. Acceptable Use

You may use the Services solely for your internal business purposes in managing insurance renewal data. You shall not:

We reserve the right to suspend or terminate your access to the Services, with written notice where practicable, if we reasonably suspect a violation of these Terms.

4. Renewal Data and Data Ownership

You retain full ownership of all Renewal Data and other content you upload or enter into the Services. Renooli does not claim ownership of your Renewal Data.

By uploading Renewal Data, you grant Renooli a limited, non-exclusive, royalty-free licence to process, store, and display your Renewal Data solely as necessary to provide the Services to you.

You are solely responsible for the accuracy, completeness, and timeliness of all Renewal Data. Renooli bears no responsibility for errors, omissions, or inaccuracies in your Renewal Data.

Renooli may use anonymized or aggregated data derived from use of the Services for analytical and product improvement purposes, provided that such data cannot be used to identify you or your clients.

You may request the export or deletion of your Renewal Data at any time by contacting support@renooli.com. Upon termination, your Renewal Data will remain available for export for thirty (30) days, after which Renooli may permanently delete it.

5. Fees and Payment

5.1 Free and Paid Plans

Renooli offers both free and paid subscription plans. The features and limitations of each plan are described on our pricing page. Your plan type at the time of registration governs your current access.

5.2 Paid Plans

If you subscribe to a paid plan, fees are charged in advance on the billing cycle applicable to your plan (monthly or annually). All fees are in Canadian dollars unless otherwise stated. You authorize Renooli to charge your designated payment method for all applicable fees.

5.3 Changes to Fees

Renooli may introduce or modify fees for the Services at any time. We will provide at least thirty (30) days' prior written notice before any new or increased fees apply to your account. Upon such notice, you may either subscribe to the new plan or terminate your account without penalty prior to the commencement of new billing.

5.4 Refunds

Fees paid are non-refundable except as required by applicable law or as expressly stated in your plan terms.

5.5 Taxes

You are responsible for all applicable taxes, duties, or levies arising from your use of the Services, except for taxes on Renooli's net income.

6. Modifications to the Services and These Terms

We may modify, update, suspend, or discontinue the Services (or any part thereof) at any time. We will use commercially reasonable efforts to provide advance notice of material changes. Renooli is not liable for any modification, suspension, or discontinuation of the Services.

We may update these Terms from time to time. Where changes are material, we will provide notice by email or by posting a prominent notice within the Services at least fourteen (14) days before the changes take effect. Your continued use of the Services after the effective date of any update constitutes your acceptance of the revised Terms. If you do not agree to updated Terms, you may terminate your account before the effective date.

7. Term and Termination

These Terms commence on the date you first access or register for the Services and continue until terminated.

You may terminate your account at any time by providing written notice to support@renooli.com or by following the cancellation process within the platform. If you are on a paid plan, access continues until the end of the current billing period and no further fees will be charged.

We may terminate or suspend your access: (a) immediately if you materially breach these Terms and fail to cure such breach within fifteen (15) days of written notice; (b) immediately if you become insolvent, make an assignment for the benefit of creditors, or have a receiver appointed; or (c) upon thirty (30) days' written notice for any reason at our sole discretion.

Upon termination: all rights granted to you cease; you must stop using the Services; and your Renewal Data will be available for export for thirty (30) days, after which it may be permanently deleted. Sections 4, 8, 9, 10, 11, 12, and 13 survive termination.

8. Intellectual Property

All rights, title, and interest in and to the Services — including the platform, software, design, features, and content (excluding your Renewal Data) — are owned by or licensed to Renooli. These Terms do not grant you any rights in Renooli's intellectual property except as expressly set out herein.

Renooli grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Services solely in accordance with these Terms.

You grant Renooli a limited, non-exclusive, revocable licence to use your trademarks, trade names, and logos to identify you as a Renooli customer in marketing materials, including on our website, unless you withdraw consent in writing with thirty (30) days' notice.

9. Confidentiality

Each party agrees to keep confidential all non-public information received from the other in connection with these Terms, including Renewal Data, business information, and technical details ("Confidential Information").

Confidential Information may be disclosed only: (a) as required by law or legal process, with prompt written notice to the other party where permitted; or (b) to third-party service providers bound by written confidentiality obligations no less restrictive than those set out here.

These obligations do not apply to information that: (i) is or becomes publicly known through no breach of these Terms; (ii) was already known to the receiving party before disclosure; or (iii) is independently developed by the receiving party without use of Confidential Information.

Confidentiality obligations survive termination for three (3) years, except for Renewal Data, which remains confidential indefinitely.

10. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. RENOOLI MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. RENOOLI DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT THE SERVICES WILL MEET YOUR SPECIFIC REQUIREMENTS. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RENOOLI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SERVICES. RENOOLI'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING UNDER OR RELATED TO THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO RENOOLI IN THE SIX (6) MONTHS PRECEDING THE CLAIM; OR (B) CAD $500.

Nothing in these Terms limits Renooli's liability for: (a) death or personal injury caused by Renooli's negligence; (b) fraud or fraudulent misrepresentation; or (c) any liability that cannot be limited or excluded under applicable law. These limitations survive termination of these Terms.

12. Indemnification

You shall defend, indemnify, and hold harmless Renooli and its affiliates, officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Services; (b) your Renewal Data; (c) your violation of these Terms; or (d) your violation of applicable law or any third-party rights.

Renooli shall defend, indemnify, and hold harmless you against third-party claims directly arising from Renooli's material breach of these Terms or gross negligence.

The indemnified party shall promptly notify the indemnifying party of any claim. The indemnifying party controls defense and settlement but may not settle any claim that imposes liability or obligation on the indemnified party without prior written consent.

13. Communications

By registering for the Services, you consent to receiving electronic communications from Renooli regarding administrative matters, account updates, and service-related information. You may opt out of non-essential commercial communications at any time in accordance with Canada's Anti-Spam Legislation (CASL) by using the unsubscribe mechanism in those communications or by contacting support@renooli.com.

14. General

Governing Law. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of laws principles. The parties submit to the exclusive jurisdiction of the courts of the Province of Ontario.

Severability. If any provision of these Terms is found invalid or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, and the remainder of these Terms continues in full force.

Waiver. Our failure to enforce any provision shall not constitute a waiver of our right to enforce it in the future.

Assignment. You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may freely assign these Terms, with written notice to you. In the event of assignment to a third party that materially changes the nature of the Services, you may terminate your account without penalty upon thirty (30) days' written notice.

Entire Agreement. These Terms, together with the Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and Renooli with respect to the Services and supersede all prior agreements.

Contact. For questions about these Terms, contact us at support@renooli.com.