Your subscription is access: an active license key signs you into the Member Downloads page, where every skill in the library — and every update and new skill we ship — is available to download. Each download is complete and self-contained. Skills perform no license checks and fetch nothing at runtime; all instructions and reference content are in the files you download and can review.
The Property Data skill's lookups run through our data service (we pay for the underlying data so you don't need your own account). Those requests send the property address being looked up plus your license key, and are subject to a fair-use daily limit. No other skill communicates with our servers at all.
Your clients' data never touches our servers. Skills that connect to your AMS/CRM use credentials you hold, talking directly to those vendors.
Downloads are licensed for use inside the subscribing agency and are personalized to your subscription; redistribution isn't permitted. Cancel anytime — installed skills keep working, and the downloads page and future updates require an active subscription.
Skills are licensed to the subscribing agency for its own insurance work. Don't redistribute them, resell them, share your license key outside the agency, or use them to build a competing product. Don't use them for anything unlawful, or in a way that breaches your obligations to a carrier, a client, or your state's insurance regulations. Skills that connect to a vendor run under your account with that vendor and are subject to that vendor's own terms and rate limits.
These skills draft, fill, calculate and summarize — they do not decide. Quotes are not bound coverage, generated forms are not filed documents, and an assessment or profile is not a hiring decision. Review anything a skill produces before it goes to a client, a carrier, or a regulator. Nothing here is legal, tax, or compliance advice, and the agency of record remains responsible for the accuracy of its own work.
The skills are provided "as is", without warranty of any kind, express or implied, including fitness for a particular purpose. Third-party systems change without notice and a skill can stop working or return something wrong. To the fullest extent the law allows, our liability for any claim relating to the skills is limited to what you paid in the twelve months before the claim, and we are not liable for lost business, lost commission, or other indirect or consequential loss. Some states don't allow certain exclusions, so parts of this may not apply to you.
We may suspend or end a subscription — with notice where practical, immediately where not — for non-payment, redistribution or key sharing, abuse of the included data lookups, or use that is unlawful or that puts our vendor relationships at risk. You can cancel anytime; access to downloads and updates ends with the subscription, and skills you have already installed keep working. We may change the library, these terms, or the price, and material changes will be posted here.
cj@hutsenpillerinsurance.com