Caxper Terms & Conditions

Effective Date: April 16, 2026 Version 1.0 | Multiservicios Elite, LLC d/b/a Caxper

These Terms & Conditions ("Terms") are a legally binding agreement between Multiservicios Elite, LLC, doing business as Caxper ("Caxper," "Company," "we," "us," or "our") and the individual or entity that accesses, registers for, purchases, or uses the Caxper website, platform, and related services (collectively, the "Platform"). If you are using the Platform on behalf of a business, agency, or other organization, you represent that you are authorized to bind that organization to these Terms. By clicking to accept, creating an account, starting a trial, purchasing a subscription, or otherwise using any part of the Platform, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not access or use the Platform.

1. ELIGIBILITY AND AUTHORITY

To use the Platform, you must be at least 18 years old and legally capable of entering into a binding agreement. If you use the Platform to sell, solicit, service, advise on, or manage insurance-related business, you are solely responsible for maintaining all licenses, appointments, authorizations, and registrations required by law. You agree to provide accurate, current, and complete information and to keep that information updated. We may request information reasonably necessary to verify identity, account ownership, business affiliation, or licensing status, and we may suspend or terminate access if required information is inaccurate, incomplete, misleading, or cannot be verified.

2. ACCOUNT REGISTRATION, ACCESS, AND SECURITY

You must create an account to access certain features. You are responsible for all activity that occurs under your account, whether or not authorized by you, unless prohibited by law. You must keep credentials confidential, use reasonable security practices, and notify us promptly at support@caxper.com if you suspect unauthorized access, compromise, fraud, or misuse. We may use authentication measures, session controls, rate limits, activity monitoring, or other security tools to protect the Platform. We may suspend access, require credential resets, or take other protective action if we believe an account, device, integration, or dataset presents a security, legal, or operational risk.

3. ELECTRONIC COMMUNICATIONS

By using the Platform, you consent to receive notices, disclosures, records, receipts, alerts, and other communications from us electronically, including by email, through the Platform, or by other electronic means permitted by law. You are responsible for maintaining a current email address and for checking your account and inbox for important notices.

4. SUBSCRIPTIONS, BILLING, TAXES, AND TRIALS

Certain features require a paid subscription. Subscription terms, prices, included features, usage limits, and billing cycles will be described at the time of signup or purchase. Unless expressly stated otherwise in a separate written agreement, subscriptions are billed in advance and automatically renew at the end of each billing period until canceled. You authorize us and our payment processor to charge the payment method associated with your account for recurring subscription fees, applicable taxes, and other authorized charges.

Unless a different refund policy is stated at the time of purchase or required by law, fees are nonrefundable and non-creditable, including for partial billing periods, unused time, downgrades, or failure to cancel before renewal. If a subscription is canceled, access to paid features may continue through the end of the then-current paid billing period unless the account is separately suspended or terminated under these Terms. We may offer free trials, promotional pricing, or credits at our discretion. We may modify, withdraw, or limit any promotion at any time to the extent permitted by law. We may change pricing, packaging, or feature availability prospectively. If we materially increase the price of a current paid plan, we will provide advance notice before the new price takes effect for a future renewal. You are responsible for any sales, use, VAT, GST, or similar taxes associated with your subscription, except taxes based on our net income.

5. LIMITED LICENSE TO USE THE PLATFORM

Subject to your continued compliance with these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Platform solely for your internal business purposes in connection with your lawful insurance-related operations. This license does not transfer any ownership interest in the Platform or any related intellectual property. You may not rent, lease, sublicense, resell, white-label, timeshare, distribute, or otherwise commercially exploit the Platform except as expressly authorized by us in writing.

6. CUSTOMER DATA; YOUR RESPONSIBILITIES; LIMITED PROCESSING RIGHTS

As between you and Caxper, you retain ownership of the information, files, and records you or your authorized users submit to the Platform ("Customer Data"). You grant us a limited, non-exclusive right to host, copy, process, transmit, display, back up, modify, and otherwise use Customer Data as reasonably necessary to provide, secure, maintain, support, and improve the Platform, to prevent abuse, to comply with law, and to enforce these Terms. You represent and warrant that you have all rights, notices, permissions, and legal authority necessary to submit Customer Data to the Platform and to instruct us to process it on your behalf. You are solely responsible for the legality, accuracy, quality, integrity, and appropriateness of Customer Data, as well as for your compliance with insurance, privacy, consumer protection, licensing, telemarketing, and recordkeeping laws applicable to your business. Caxper is a software tool. It is not an insurance carrier, general agency, law firm, accounting firm, compliance consultant, records custodian, or fiduciary for your business operations. Your use of the Platform does not transfer your regulatory, licensing, privacy, or recordkeeping obligations to us.

7. ACCEPTABLE USE

You agree to use the Platform only for lawful purposes and in a manner consistent with these Terms. You will: Maintain accurate account and business records to the extent reasonably required for your use of the Platform. Use the Platform in a way that does not violate any applicable law, contract, professional duty, or third-party right. Use reasonable efforts to prevent unauthorized access by your employees, contractors, assistants, or invited users. Promptly notify us of security incidents, suspected fraud, or material misuse involving your account or Customer Data.

8. PROHIBITED ACTIVITIES

You may not, and may not permit others to: Use the Platform for illegal, deceptive, fraudulent, abusive, infringing, or unauthorized purposes. Upload, transmit, or store malware, ransomware, spyware, malicious scripts, or harmful code. Attempt to gain unauthorized access to the Platform, other accounts, infrastructure, APIs, or related systems. Probe, scan, scrape, benchmark, copy, mirror, frame, or data-mine the Platform except as expressly allowed by us in writing. Reverse-engineer, decompile, disassemble, translate, or otherwise attempt to discover source code, trade secrets, or underlying ideas except to the limited extent such restriction is prohibited by law. Interfere with the operation, integrity, security, availability, or performance of the Platform. Use the Platform to send unlawful spam, unsolicited bulk messages, or communications that violate CAN-SPAM, TCPA, telemarketing laws, carrier rules, or similar requirements. Use the Platform in a way that infringes privacy, publicity, intellectual property, confidentiality, or other rights of any person or entity. Upload or store PHI in the Platform unless we have expressly agreed in a separate written agreement to support such processing and, if legally required, executed a Business Associate Agreement. Misrepresent Caxper as providing legal, tax, accounting, regulatory, compliance, or carrier-specific approval of your business activities.

9. THIRD-PARTY SERVICES AND INTEGRATIONS

The Platform may interoperate with, link to, or rely on third-party products and services, including payment processors, email providers, calendar providers, communications tools, cloud infrastructure providers, analytics tools, carrier portals, or other external services. We do not control and are not responsible for third-party services, their availability, accuracy, security, data handling, or terms. Your use of any third-party service is governed by that third party's own terms and policies. We may add, remove, disable, or modify integrations at any time. Third-party integrations may change without notice, may become unavailable, may require separate accounts or fees, and may affect data flows outside our control.

10. NO LEGAL, TAX, COMPLIANCE, OR INSURANCE ADVICE

The Platform and any content, reports, reminders, automations, calculations, dashboards, AI-assisted outputs, templates, summaries, or other materials made available through the Platform are provided for general informational and operational purposes only. They do not constitute legal advice, tax advice, accounting advice, regulatory advice, compliance certification, insurance advice to consumers, or professional advice of any kind. You are solely responsible for reviewing and validating all data, reports, reminders, automations, calculations, exports, and AI-generated outputs before relying on them. Automated or AI-assisted outputs may be incomplete, inaccurate, outdated, or inappropriate for your circumstances.

11. HIPAA AND RESTRICTED DATA

Unless we expressly agree otherwise in a separate written agreement, the Platform is not offered as a HIPAA-compliant environment for storing or processing Protected Health Information. You must not use the Platform as a repository for PHI, medical records, diagnosis information, treatment information, claims data containing PHI, or other data requiring a Business Associate Agreement. If you submit restricted or prohibited data in violation of these Terms, you do so at your own risk. We may remove such data, suspend access, or require remediation as a condition of continued use.

12. OWNERSHIP; FEEDBACK; RESERVATION OF RIGHTS

The Platform, including its software, architecture, databases, interfaces, text, visual design, workflows, know-how, trademarks, service marks, logos, and all related intellectual property, is owned by Multiservicios Elite, LLC and/or its licensors and is protected by applicable intellectual property and unfair competition laws. If you provide suggestions, ideas, enhancement requests, comments, or other feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use, modify, implement, display, reproduce, and exploit that feedback for any lawful purpose without restriction or compensation, provided that we are not required to publicly identify you.

13. AVAILABILITY, MAINTENANCE, CHANGES, AND BETA FEATURES

We may modify, update, suspend, or discontinue any feature, function, content, plan, integration, or part of the Platform at any time. We do not guarantee that all features will remain available, that any feature will operate error-free, or that the Platform will be available at all times or in all locations. From time to time, we may offer experimental, preview, beta, or early-access features. Such features may be incomplete, unstable, or changed without notice and are provided entirely at your own risk unless otherwise required by law.

14. PRIVACY

Our collection and use of information is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you acknowledge that Customer Data and personal information may be processed as described in the Privacy Policy and as reasonably necessary to provide the Platform.

15. SUSPENSION AND TERMINATION

We may suspend, restrict, or terminate your access immediately, with or without prior notice, if we reasonably believe that: (a) you violated these Terms or applicable law; (b) your use creates a security, legal, or operational risk; (c) your payment method fails or fees remain unpaid; (d) your account information is materially inaccurate; (e) your conduct exposes us, our users, or third parties to liability; or (f) continued service is no longer commercially or technically feasible. You may stop using the Platform at any time and may cancel any subscription through available account controls or by contacting us, subject to any then-applicable billing commitments. Upon termination or expiration, your right to access the Platform ends, but sections that by their nature should survive will remain in effect. We may, but are not obligated to, make limited data export options available for a reasonable period after termination. We are not responsible for retaining Customer Data indefinitely and may delete or anonymize Customer Data in accordance with our retention practices, legal obligations, and backup cycles.

16. DISCLAIMERS OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM IS PROVIDED "AS IS," "AS AVAILABLE," AND WITH ALL FAULTS. CAXPER DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, OR THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL CODE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE PLATFORM WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY PARTICULAR BUSINESS RESULT, ENSURE REGULATORY COMPLIANCE, PREVENT LOSS, OR PRESERVE DATA WITHOUT INTERRUPTION OR ERROR.

17. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL CAXPER, MULTISERVICIOS ELITE, LLC, OR THEIR OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THE PLATFORM OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US FOR THE PLATFORM DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US $100.00). The exclusions and limitations in this section apply regardless of the form of action, whether in contract, tort, negligence, strict liability, statute, or otherwise, and survive even if any limited remedy fails of its essential purpose.

18. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Caxper, Multiservicios Elite, LLC, and their officers, directors, members, managers, employees, contractors, affiliates, licensors, and service providers from and against any third-party claims, demands, actions, proceedings, damages, judgments, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Platform; (b) Customer Data; (c) your violation of these Terms; (d) your violation of law, regulation, or third-party rights; or (e) any dispute between you and your customers, prospects, employees, assistants, contractors, carriers, agencies, or regulators. We reserve the right, at our expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our reasonable requests in connection with that defense.

19. GOVERNING LAW; ARBITRATION; CLASS ACTION WAIVER

These Terms are governed by the laws of the State of Florida and the Federal Arbitration Act, without regard to conflict-of-law rules. Before filing a claim, the parties agree to attempt in good faith to resolve the dispute informally by providing written notice and allowing at least thirty (30) days to discuss the matter. Except for claims that qualify for small claims court and claims seeking injunctive or equitable relief to protect intellectual property, confidential information, or security, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform shall be resolved by final and binding arbitration administered by the American Arbitration Association under its applicable rules, in Miami-Dade County, Florida, or by remote proceedings if permitted by the arbitrator.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EACH PARTY AGREES TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION OR PROCEEDING. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to resolve that party's individual claim. If any part of this arbitration or class action waiver section is found unenforceable as to a particular claim or remedy, that claim or remedy shall proceed in a court of competent jurisdiction in Miami-Dade County, Florida, and the remainder of this section shall remain in effect to the fullest extent permitted by law.

20. CHANGES TO THESE TERMS

We may revise these Terms from time to time. When we make material changes, we may update the Effective Date, post the revised Terms on the Platform, and provide additional notice where required by law or where we determine it is appropriate. Your continued use of the Platform after revised Terms become effective constitutes your acceptance of the updated Terms.

21. MISCELLANEOUS

These Terms, together with the Privacy Policy and any additional written terms we expressly incorporate by reference, constitute the entire agreement between you and Caxper regarding the Platform and supersede prior or contemporaneous understandings on that subject. You may not assign or transfer these Terms, in whole or in part, without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, asset sale, financing, or by operation of law. Failure to enforce any provision will not constitute a waiver. If any provision is held unenforceable, the remaining provisions will remain in full force to the maximum extent permitted by law. We are not liable for delay or failure caused by events beyond our reasonable control, including acts of God, labor disputes, internet or telecommunications failures, infrastructure failures, cyberattacks, governmental actions, war, terrorism, civil unrest, or natural disasters.

22. CONTACT INFORMATION

For questions regarding these Terms, please contact:

Email: support@caxper.com Company: Multiservicios Elite, LLC d/b/a Caxper Platform: caxper.com

© 2026 Multiservicios Elite, LLC d/b/a Caxper. All rights reserved.