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.

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 support@nowzer.com.

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.

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.

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 support@nowzer.com within seven (7) days of your initial paid subscription charge to request a refund of that first payment.

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.

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 support@nowzer.com. 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. 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.

13. Contact

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

• Email: support@nowzer.com
• Mailing address:
• Nowzer.com
  215 W Bandera Road, Suite 114242
  Boerne, Texas 78006
  United States