Disclaimer

1. General Disclaimer

PolicyDesk OS is an insurance agent operations system. It is designed to help Life, Accident, and Health agents organize operating records, follow-ups, reviews, production, commissions, expenses, lead ROI, training, credentials, and daily action priorities.

PolicyDesk OS is provided for business organization, workflow, tracking, training, and operational support.

2. No Carrier or Regulator Affiliation

PolicyDesk OS is not affiliated with, endorsed by, approved by, or operated by any insurance carrier, state insurance department, regulator, CMS, NAIC, or government agency unless expressly stated in writing.

3. State-by-State Insurance Rules

Insurance laws, licensing requirements, marketing rules, privacy obligations, carrier rules, and agency requirements vary by state and product type. You are responsible for confirming the rules that apply to your business, clients, licenses, appointments, and market.

4. No Professional Advice

PolicyDesk OS does not provide legal, tax, investment, medical, insurance, accounting, or compliance advice.

Nothing in PolicyDesk OS should be treated as professional advice, carrier approval, suitability determination, underwriting guidance, tax guidance, legal guidance, investment advice, medical advice, or compliance approval.

Consult qualified professionals, carriers, agencies, compliance teams, attorneys, tax professionals, medical professionals, or other appropriate advisors before making professional decisions.

5. No Product Recommendation or Suitability Determination

PolicyDesk OS may include product education, client-fit indicators, discovery prompts, review prompts, training content, dashboards, reports, AI-assisted summaries, or workflow suggestions.

These are informational and operational tools only.

PolicyDesk OS does not determine what product a client needs. PolicyDesk OS does not recommend insurance products. PolicyDesk OS does not determine suitability.

PolicyDesk OS does not replace carrier illustrations, approved materials, compliance review, underwriting, or professional judgment.

Licensed agents are responsible for evaluating each client situation and following all applicable carrier, agency, state, federal, privacy, advertising, marketing, telemarketing, and compliance requirements.

6. Marketing and Telemarketing Responsibility

You are responsible for ensuring your marketing, outreach, calls, texts, emails, social media content, lead use, and client communications comply with applicable laws, rules, carrier requirements, agency requirements, consent requirements, and platform terms.

7. Sensitive Data and User Data Responsibility

PolicyDesk OS is built to track the business, not store the application.

You are responsible for the legality, accuracy, authorization, retention, and use of any information you upload, enter, import, store, export, or process through PolicyDesk OS. PolicyDesk OS provides workflow, organization, and recordkeeping tools. PolicyDesk OS does not determine whether you are legally permitted to collect, store, use, contact, disclose, export, or retain any specific information.

You should avoid storing sensitive information unless it is authorized, necessary, and appropriate for your licensed business purpose. When storage of sensitive information is required for legitimate business recordkeeping, it should be limited to what is necessary, access-controlled, and removed when no longer needed.

Sensitive data categories include:

• Personal identifiers — Social Security numbers, driver's license numbers, government IDs, dates of birth
• Financial information — bank names, routing numbers, account numbers, payment notes
• Health and underwriting information — medical notes, medication notes, health history, underwriting notes
• Carrier and application information — policy numbers, application numbers, underwriting documents

The following must never be stored in PolicyDesk OS under any circumstances:

• Full payment card numbers or CVV codes — use a carrier-approved or PCI-compliant payment system
• Carrier login passwords or credentials — use an approved password manager or secure credential system
• Any information you are not authorized to collect, store, or process

Use approved carrier, agency, and compliance systems for official applications, signed documents, medical records, banking information, compliance files, and official policy records whenever possible.

7a. Security Limitation

PolicyDesk OS uses reasonable administrative, technical, and organizational safeguards designed to protect user data. No system can guarantee absolute security. Users are responsible for using strong account security practices, limiting access, protecting credentials, and promptly removing information they no longer need.

8. HIPAA and Health Information

PolicyDesk OS does not represent, certify, or guarantee HIPAA compliance. PolicyDesk OS is not a HIPAA Business Associate or covered entity by design.

If you work with health, Medicare, supplemental health, long-term care, disability, or related products and handle protected health information, you are responsible for determining your HIPAA obligations and using appropriate carrier, agency, compliance, and privacy-approved systems for sensitive health information.

Health-related notes used for licensed workflow purposes (such as follow-up reminders or product interest tracking) may be entered only when authorized, necessary, and handled in accordance with applicable requirements.

9. AI-Assisted Features

PolicyDesk OS may include AI-assisted features, summaries, import mapping, scripts, prompts, training suggestions, review prompts, or workflow suggestions.

AI-assisted output may be incomplete, inaccurate, outdated, or inappropriate.

You are responsible for reviewing, editing, verifying, and approving any AI-assisted output before using it.

PolicyDesk OS does not guarantee that AI-assisted output is accurate, complete, compliant, suitable, or appropriate for any client, sale, product, carrier, or situation.

10. Third-Party Services and Integrations

PolicyDesk OS may connect to or reference third-party services such as Stripe, Google, Calendly, or other tools.

PolicyDesk OS is not responsible for third-party services, outages, pricing, errors, data handling, privacy policies, security practices, or terms.

Your use of third-party services is at your own risk and subject to their terms and policies.

11. User Responsibility

You are responsible for:

• maintaining account confidentiality
• entering accurate and appropriate information
• reviewing all imported or AI-assisted data
• following applicable laws and regulations
• following carrier and agency rules
• following licensing requirements
• following privacy and data-security obligations
• using approved systems for official records
• ensuring your client communications are accurate and compliant
• ensuring your sales, marketing, telemarketing, and product discussions are compliant

12. No Guarantee of Results

PolicyDesk OS does not guarantee sales, commissions, production, policy placement, lead conversion, client retention, business growth, compliance outcomes, tax outcomes, or financial results.

Your outcomes depend on your actions, market conditions, licensing, carrier rules, compliance requirements, client needs, and other factors outside PolicyDesk OS.

13. Limitation of Liability

PolicyDesk OS is provided "as is" and "as available."

To the fullest extent permitted by law, PolicyDesk OS is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, revenue, business, goodwill, data, or use, arising out of or related to your use of PolicyDesk OS.

14. Contact

Questions about this Disclaimer may be submitted through the Support page.