Terms of Service

These Terms of Service govern your use of PEO Tools and the white-label PEO tax engine provided by PEO Tools ("we," "us," or "our"). By signing up for or using the Service, you agree to these terms.

1. The Service

PEO Tools provides a white-label computational engine that independent insurance brokers embed on their own websites. The engine accepts financial inputs from prospects and computes projected federal and state tax treatment under current law, along with an estimated comparison of employer costs inside and outside of a PEO structure, using the broker's own rate cards.

The Service is a computation tool, not a tax or financial advisory service. Nothing produced by the engine constitutes tax advice, financial advice, legal advice, or a recommendation to enter or avoid any PEO arrangement. All output is produced from inputs you or your prospects supply, applied to enacted statute, and presented for informational purposes only.

2. Broker Accounts

To use the Service you must create a broker account. You agree to:

• Provide accurate, current information at signup and keep it updated.
• Maintain the security of your account credentials.
• Load only rate card data you are authorized to use (i.e., premiums and fees from PEO contracts you actually carry or represent).
• Use the embed only on domains registered under your account.
• Not attempt to manipulate, reverse-engineer, or alter the engine's tax computation logic.

3. Rate Cards and Accuracy

The tax computation is sourced to current enacted federal and state law and is maintained by us. The carrier-side numbers - admin fees, plan premiums, and other broker-controlled inputs - come from the rate cards you load. You are solely responsible for the accuracy, currency, and authorization of your rate card data. We apply your data to the engine; we do not verify it.

4. Lead Data

Lead data generated through your embedded deployment belongs to you. We do not sell it, share it, route it to any third party, or use it for any purpose other than operating the Service on your behalf. We do not operate a broker directory or a competing lead marketplace. See our Privacy Policy for full details.

5. Billing and Free Period

The Service is free until the engine delivers your first phone-verified lead. Billing then begins at your selected plan rate (Solo $149/mo, Firm $349/mo, Agency from $1,500/mo), charged monthly. Plans are month-to-month with no minimum commitment unless otherwise agreed in writing. If you exceed your plan's monthly verified lead cap, leads continue to deliver and you will be prompted to upgrade; you will not be cut off mid-month.

Refunds are not issued for partial months. Cancellation takes effect at the end of the current billing period.

6. Prohibited Uses

You may not use the Service to:

• Present engine output as a guarantee, quote, or binding commitment of any kind.
• Embed the engine on a site you do not own or control.
• Attempt to extract, scrape, or replicate the underlying tax computation logic.
• Violate any applicable law, including state insurance producer licensing requirements.

7. Intellectual Property

The engine, its computation logic, and the PEO Tools platform are our intellectual property. Your rate card data, your brand, and your leads remain yours. We grant you a limited, non-exclusive, non-transferable license to use the Service as described in these terms.

8. Limitation of Liability

To the maximum extent permitted by law, PEO Tools is not liable for any indirect, incidental, special, or consequential damages arising from use of the Service, including reliance on engine output by your prospects or their advisors. Our total liability to you for any claim under these terms is limited to the fees you paid us in the three months preceding the claim.

The Service is provided "as is." We do not warrant that it will be error-free, uninterrupted, or that its output will be accurate for any specific prospect's tax situation.

9. Changes to These Terms

We may update these terms. We will notify active broker accounts by email at least 14 days before material changes take effect. Continued use after the effective date constitutes acceptance.

10. Governing Law

These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute will be resolved in the state or federal courts of Delaware.

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Questions? Contact us.