Terms of Service

1. Overview

These Terms of Service ("Terms") govern your access to and use of the Nowzer website, application, and related services (the "Service"), operated by Nowzer.com ("Nowzer," "we," "us," or "our"). By creating an account or using the Service, you agree to these Terms.

If you use the Service on behalf of a company, agency, carrier, or other organization, you represent that you are authorized to accept these Terms on its behalf and that the organization accepts responsibility for your use of the Service.

2. Service Description

Nowzer is a social media scheduling platform designed primarily for insurance agencies and other regulated businesses. The Service helps you connect your own social accounts, create and store content, and schedule posts to supported platforms such as Facebook, Instagram, LinkedIn, X, and Google Business Profile. Nowzer only posts content the user schedules and access can be revoked by the user at any time

Features may include AI-assisted content generation, content review tools, analytics, and other functionality that may change over time. We may add, modify, or remove features, and may introduce plan limits or usage thresholds. We will act reasonably when changing features that materially affect existing paying customers.

Nowzer does not provide legal, regulatory, or compliance advice. Any compliance-aware suggestions or checks are informational only. You remain fully responsible for verifying that your content and marketing practices comply with applicable laws, regulations, and carrier or firm guidelines.

3. Eligibility & Accounts

The Service is intended for adults acting on behalf of a business or organization. By using the Service, you confirm that you are at least 18 years old and have authority to bind the business or organization you represent.

You must provide accurate and complete account information and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. If you believe your account has been compromised, you must notify us promptly at .

4. Acceptable Use

You agree to use the Service only for lawful purposes and in a way that is consistent with these Terms and all applicable laws, regulations, and social platform rules. You agree not to:

• Post or schedule content that is unlawful, deceptive, harassing, hateful, or otherwise objectionable.
• Make promises or claims about insurance products, coverage, or results that you are not authorized to make.
• Infringe or violate the rights of others, including privacy and intellectual property rights.
• Attempt to bypass technical or usage limits, security controls, or access restrictions.
• Use the Service for spamming or other abusive marketing practices.
• Reverse engineer or attempt to derive the source code of the Service, except where allowed by applicable law.

You represent and warrant that all content you create, upload, schedule, or publish through the Service — including testimonials, endorsements, reviews, claims, and any activity conducted through connected social media accounts — complies with all applicable laws, regulations, carrier marketing guidelines, broker-dealer or firm compliance requirements, and the terms of service of each social media platform to which you post. You are solely responsible for substantiating any claims made in your content and for obtaining any necessary permissions, consents, or approvals before publishing.

5. AI Features & Compliance Responsibility

The Service may include AI-assisted drafting, rewriting, and compliance-aware checks. These tools attempt to reflect common regulatory themes and carrier expectations, but they will not capture every rule or nuance and may produce incorrect or incomplete suggestions.

You must treat AI-generated content and compliance suggestions as starting points only. You are solely responsible for reviewing content, applying your own judgment, and obtaining any necessary approvals from carriers, broker-dealers, compliance officers, or regulators before publishing.

Nowzer does not guarantee the accuracy, completeness, or timeliness of compliance rules or suggestions. Compliance rules within the Service are sourced from publicly available regulatory materials, including federal statutes, state insurance codes, NAIC model provisions, and regulatory guidance. There may be additional statutes, regulations, regulatory guidance, attorney general opinions, court decisions, carrier-specific requirements, broker-dealer policies, or other sources of law applicable to your content that are not reflected in the Service's compliance database.

The compliance review feature is an advisory tool designed to help identify potential concerns. It does not constitute a compliance audit, legal review, or regulatory approval. Nowzer does not guarantee approval by CMS, FINRA, any state department of insurance, any carrier compliance department, any broker-dealer, or any social media platform. You must independently validate all compliance suggestions and AI-generated content before reliance, publication, or action. You assume all risks associated with reliance on AI-generated content and compliance suggestions. You should consult qualified compliance professionals or legal counsel for definitive guidance.

6. Plans, Billing & Refunds

Some features of the Service require a paid subscription. Plan details and pricing are described on our website or within the Service and may be updated over time. Unless otherwise stated, subscriptions renew automatically at the end of each billing period unless canceled before renewal.

You authorize us and our payment processor to charge your selected payment method for applicable fees and taxes. We currently offer a 7-day money-back guarantee for new paid subscriptions. If you are not satisfied, you may contact within seven (7) days of your initial paid subscription charge to request a refund of that first payment.

From time to time we may offer promotional pricing, including launch or early-adopter rates ("Promotional Pricing"). Promotional Pricing applies only for as long as the subscription it was applied to remains continuously active and in good standing. If you cancel your subscription or allow it to lapse for any reason, the Promotional Pricing is forfeited. Any subsequent subscription will be charged at the standard rate in effect at the time of resubscription. Nowzer reserves the right to modify or discontinue any promotional offer at any time.

7. Social Platforms & Third Parties

The Service connects to third-party platforms and providers, including social networks, analytics tools, payment processors, and hosting providers. When you connect your accounts or authorize Nowzer to act on your behalf, you grant us permission to access and use data from those services as needed to operate the Service (for example, to publish scheduled posts or retrieve page information).

Each social platform remains a separate service and is the controller of content and data on its systems. Nowzer does not control, and is not responsible for, the availability or data practices of those platforms. Your use of third-party services is governed by their own terms and policies, which you are responsible for reviewing.

Third-party services currently integrated with or used by Nowzer include: Facebook (Meta Platforms), Instagram (Meta Platforms), LinkedIn (Microsoft), X/Twitter, Google Business Profile (Google), Stripe (payment processing), Amazon Web Services (email delivery and infrastructure), Cloudflare (file storage), Sentry (error monitoring), and AI service providers including OpenAI, Anthropic, and Google (for content generation and compliance review features). This list may change as we add or remove integrations.

Use of Nowzer's compliance review features does not guarantee that your content will be accepted, approved, or not flagged by any social media platform, advertising network, carrier compliance department, broker-dealer, or regulatory body. Platform algorithms, content policies, and regulatory interpretations may change without notice and may differ from the compliance guidance provided by the Service.

8. Data & Privacy

Our handling of personal information in connection with the Service is described in our Privacy Policy, which is incorporated into these Terms. By using the Service, you acknowledge that we will process personal information as described in the Privacy Policy.

9. Intellectual Property

You retain ownership of the content you create, upload, or schedule through the Service ("Your Content"). You grant Nowzer a limited, non-exclusive license to host, process, and display Your Content as needed to provide and improve the Service.

The Service itself, including its software, design, and branding, is owned or licensed by Nowzer and protected by intellectual property laws. Except for the rights expressly granted in these Terms, we reserve all rights in and to the Service. You may not use the Nowzer name or logo without our permission, other than to identify Nowzer as the tool you are using.

10. Termination

You may stop using the Service at any time and may request account closure by contacting . We may suspend or terminate your access to the Service if we reasonably believe you have materially breached these Terms, created security or legal risk, or if we are required to do so by law or by a platform provider.

When your account is closed, we will handle associated data in accordance with our Privacy Policy and Data Deletion page.

11. Disclaimers & Limitation of Liability

To the fullest extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express or implied. We specifically disclaim any implied warranties of merchantability, fitness for a particular purpose, and non-infringement, and any warranties arising from course of dealing or usage of trade.

To the fullest extent permitted by law, Nowzer and its owners, employees, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, or data, arising out of or related to your use of the Service, even if we have been advised of the possibility of such damages. Our total liability for all claims arising out of or relating to the Service or these Terms will not exceed the amount you paid to us for the Service during the three (3) months before the event giving rise to the claim, or one hundred (100) U.S. dollars, whichever is greater.

12. Indemnification

You agree to indemnify, defend, and hold harmless Nowzer and its owners, employees, contractors, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Service; (b) content you create, upload, schedule, or publish through the Service, including testimonials, endorsements, and claims; (c) your violation of these Terms; (d) your violation of any applicable law, regulation, carrier guideline, broker-dealer or firm rule, or third-party right; (e) compliance decisions you make based on information provided by the Service; (f) any regulatory investigation, enforcement action, fine, or penalty brought by any federal, state, or local regulatory body arising from your content or use of the Service; (g) any claim by a carrier, broker-dealer, or social media platform arising from content published or activity conducted through your connected accounts; or (h) any claim by a third party, including clients, prospects, or competitors, arising from content you published through the Service.

13. Governing Law

These Terms and any disputes arising out of or related to these Terms or the Service will be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to conflict of law principles. You agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Bexar County, Texas for the resolution of any disputes.

14. Dispute Resolution

Before initiating any formal legal action, you agree to first contact us at and attempt to resolve the dispute informally for at least thirty (30) days. If we cannot resolve the dispute informally, either party may pursue formal proceedings in accordance with the Governing Law section above.

15. Changes to These Terms

We may update these Terms from time to time to reflect changes in the Service, our business, or applicable law. When we make material changes, we will update the "Last updated" date above and may provide additional notice, such as by email or in-app message.

Your continued use of the Service after updated Terms take effect constitutes your acceptance of the changes. If you do not agree to the updated Terms, you should discontinue use of the Service.

16. Contact

If you have questions about these Terms or the Service, you can contact us at: