Platform Terms
Review draft ยท September 21, 2026
These terms govern the customer-relationship management platform provided to you as a contracted Direct 130 agent. They sit alongside your producer agreement and the Website Terms. Where your signed producer agreement and these terms conflict, the producer agreement controls.
Your access
On approval of your application you are provisioned an account on the platform at no separate charge, for your own use in writing and servicing business through Direct 130. Access is personal to you. It is a permission to use the platform, not a sale, licence to copy, or transfer of any ownership in it.
Access lasts for as long as you are contracted with Direct 130 and ends when that contract ends, including on release, termination, resignation, non-renewal, or if your insurance licence lapses or is revoked. We may suspend access immediately to investigate suspected abuse, to protect information, or to comply with law.
The platform is operated by a third-party technology provider and is supplied under that provider's own terms and privacy notice, which apply to your use of it in addition to these terms.
Acceptable use
You may use the platform to record and manage business you are properly licensed and appointed to write. You must not:
- share your credentials, or let anyone who is not you use your account. If you have staff who need access, ask us rather than sharing a login.
- enter information about a person you have no authority to hold information about.
- export, scrape, or bulk-extract records other than your own book, or use automated tools against the platform.
- upload malware, attempt to bypass access controls, probe the platform's security, or access another agent's records.
- use the platform, or anything you obtain through it, for anything other than servicing your Direct 130 business, including any other agency's business, any list-building, or any resale of data.
- record information you do not need. In particular, do not enter a client's Social Security number, payment-card number, or medical records into a free-text field.
You remain responsible for everything done under your account.
Client data
Information you enter about your clients remains your clients' information. As between you and Direct 130, you are responsible for having the authority and permissions needed to collect it and put it into the platform, and for the accuracy of what you enter.
We process that information to operate the platform, support you, meet our own legal and recordkeeping obligations, and as described in the Privacy Notice. We do not sell it, and we do not use your client records to market to your clients on our own behalf.
Your clients have privacy rights. If a client asks you to access, correct, or delete what you hold, you must handle it, and we will help you where the information sits in the platform. Tell us promptly if you receive a request you cannot resolve, or if you believe information in the platform has been exposed.
Some records cannot simply be deleted on request. Insurance and financial recordkeeping obligations may require a transaction record to be retained for a period set by law and by the carrier, regardless of who asks.
Your security duties
- Keep your credentials confidential and use a password you do not use anywhere else.
- Use a device with a screen lock and current software. Do not leave a session open on a shared computer.
- Tell us immediately if you suspect your account has been accessed by anyone else.
- Do not move client records out of the platform into personal storage, messaging apps, or spreadsheets on unprotected devices.
A client's information ending up somewhere it should not be is, in practice, almost always a device or a password rather than a breach of the platform.
When your access ends
Export your book before it does. Access ends with your contract, and we will provide a reasonable opportunity and a standard export of your own client and case records. Ask before your last day, not after.
After access ends we retain records as required for insurance and financial recordkeeping, to administer commissions that remain payable, and to meet legal obligations. Retention periods are stated in the Privacy Notice.
A record kept only in this platform is not a substitute for the client file your own licensing, carrier, and recordkeeping obligations require you to hold. Keep your own records.
Ending access does not end obligations that are meant to survive, including confidentiality, your responsibility for what was done under your account, and any obligation in your producer agreement.
Availability and liability
The platform is provided as it is. We do not promise it will be uninterrupted or error-free, and it may be unavailable for maintenance or because of a problem at the provider. Report an apparent error in a case, commission, or client record before relying on it.
We may change, add, or remove features. If a change materially reduces what the platform does for you, we will tell you before it takes effect where we reasonably can.
Nothing here limits a liability that cannot lawfully be limited, an insurer's obligations under a policy, or your clients' rights. Any limitation of liability, indemnity, or dispute provision in your signed producer agreement applies according to its terms.
Changes to these terms
If these terms change materially, we will tell you and record your acceptance of the new version before you continue using the platform. The date at the top shows the version in force.
Contact
Platform and account questions: support@thaloslife.com. Privacy questions and client requests: privacy@thaloslife.com.