Ninety Ahead

Terms of Service

Effective October 27, 2026

These Terms govern your agency's use of Ninety Ahead (“Ninety Ahead,” “we,” “us”), including the website at app.ninetyahead.com, the client portal and our email, voice and text-message services. By subscribing or using the service you agree to these Terms and to the Master Services Agreement accepted at checkout.

1. The service

Ninety Ahead provides independent commercial insurance agencies with an exclusive territory of commercial accounts approaching renewal, verified business contact information, outreach sent in the agency's name, reply and call routing, meeting booking, lead alerts and underwriting document preparation. Insurance advice, quoting and binding remain the sole responsibility of your licensed producers.

2. Your account

You are responsible for your team's log-ins, for keeping your producers' information current, and for all activity under your account. Only add team members who are authorized to act for your agency.

3. Subscriptions, cancellation and refunds

Subscriptions renew automatically each monthly or quarterly period until canceled. Subscriptions may be canceled at any time via the self-serve Billing Portal; cancellation is effective immediately upon confirmation, terminates portal access and territory locks immediately, and all monthly/quarterly subscription fees are earned upon territory reservation and are strictly non-refundable with no partial-period credits or prorations.

4. Your responsibilities

  • Hold and maintain the insurance licenses required where you do business, and keep your license numbers current in the portal.
  • Use the service in compliance with applicable insurance, advertising, privacy, anti-spam and telemarketing laws.
  • Upload your existing clients so they are excluded from outreach, and promptly honor any opt-out request you receive directly.
  • Obtain each team member's permission before adding their mobile number for text alerts.

5. Ninety Ahead SMS program

  • Program: Ninety Ahead lead alerts.
  • What you receive: transactional text messages for agency principals and producers about their account — new-lead and hot-lead alerts, booked meetings, prospect reply and voicemail notifications, and account or billing notices. We do not send marketing or promotional messages through this program.
  • How you opt in: your agency adds your mobile number during onboarding or in the portal; we send one text asking you to confirm, and alerts begin only after you reply YES.
  • Message frequency varies with your agency's lead activity.
  • Message and data rates may apply.
  • Help: reply HELP to any message, or email support@ninetyahead.com.
  • Opt out: reply STOP to any message at any time. You will receive one confirmation and no further messages unless you reply YES or START to rejoin.
  • Consent to receive text messages is not a condition of any purchase. Carriers are not liable for delayed or undelivered messages.
  • Mobile information is never shared for marketing purposes; see our Privacy Policy.

6. Acceptable use

Do not use the service to send unlawful, misleading or harassing communications, to resell or redistribute territory data, to contact anyone who has opted out, or to attempt to access other agencies' data or interfere with the service.

7. Data and privacy

Our handling of personal information is described in the Privacy Policy. Territory data is licensed to your agency for its own use during your subscription.

8. Disclaimers and limitation of liability

The service is provided “as is.” Business information comes from public records and third-party sources and may contain errors; we do not guarantee any number of meetings, quotes or bound policies. To the fullest extent permitted by law, our total liability for any claim is limited to the fees you paid for the one month before the claim arose, and neither party is liable for indirect or consequential damages.

9. Changes and contact

We may update these Terms and will post the new effective date on this page; continued use means you accept the update. Questions: support@ninetyahead.com.