Insora — Terms of Service

Last updated: May 27, 2026

Welcome to Insora. These Terms of Service ("Terms") are a binding agreement between you and New Reign Capital, LLC ("Insora", "we", "us") governing your use of the Insora mobile app and the website at insorains.com (together, the "Service"). By creating an account or otherwise using the Service, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old to use Insora. Insora is intended for use by insurance professionals, firms, MGAs, TPAs, carriers, and the vendors who serve them. Insora is not a consumer-facing service for purchasing insurance coverage; nothing posted on Insora constitutes the offer or sale of an insurance policy.

2. Your account

You are responsible for keeping your credentials confidential and for any activity that occurs under your account. Notify us immediately at support@insorains.com if you suspect unauthorized access. You may not share your account, impersonate another person, or misrepresent your affiliation with any company or regulator.

3. Acceptable use

You agree not to:

  • Post content that is illegal, defamatory, fraudulent, obscene, hateful, infringing of intellectual property, or designed to harass or harm others.
  • Post personal information of third parties (clients, claimants, insureds) without consent.
  • Use the Service to send spam, run schemes, sell credentials, or scrape the platform at scale.
  • Impersonate a regulator, carrier, or another individual; use false employer affiliations to gain access.
  • Circumvent platform fees, route payments off-platform after they originate inside Insora, or share off-platform contact information inside a paid message thread.
  • Reverse-engineer, decompile, or extract the source code of the apps except as permitted by applicable law.

We may suspend or terminate accounts that violate these rules in our reasonable discretion.

4. Payments and earnings

Insora is free to join. Some features involve payments:

  • Wallet top-ups — you can add credits to your Insora wallet via Stripe Checkout. Credits are pre-paid and have no cash value outside the Service except via a withdrawal request.
  • Paid direct messages — recipients with a posted rate are paid for replying. Senders are charged when they send the message; funds are held in escrow and released when the recipient replies within the response window (currently 7 days). If the recipient does not reply, the sender is automatically refunded.
  • Event tickets — sold via Stripe Checkout with funds routed through Stripe Connect to the host. Refund policy is shown at purchase and is set by the host.
  • Opportunity sponsorships — sponsorship tiers purchased from the host's wallet are non-refundable after the host confirms.
  • Circle subscriptions — where offered, billed monthly via Stripe. Cancel any time; access continues through the end of the current billed period.

Platform fees: 30% on paid direct messages, paid Circle subscriptions, and opportunity sponsorships; 10% on event tickets. The remainder is paid to the host through their Stripe Connect account. Stripe charges additional payment-processing fees that are passed through transparently at checkout.

Wallet withdrawals go to your connected Stripe bank account, usually within 2–3 business days. Insora does not charge a withdrawal fee; Stripe's standard payout fees apply.

5. Content ownership and license

You retain ownership of the content you post (posts, comments, messages, photos, video, profile copy). By posting, you grant Insora a worldwide, non-exclusive, royalty-free license to host, display, reformat, and distribute that content within the Service so we can show it to the audience you select. We do not claim ownership of your content. You may delete your content at any time, after which we will remove it from the live Service within a reasonable period (backups are purged within 90 days).

6. Third-party services

The Service relies on Stripe, Apple, LinkedIn, Postmark, Render, Anthropic, and other providers (see our Privacy Policy). Their availability and their own terms apply when you use their portions of the Service.

7. Disclaimers

Insora is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation.

Information posted by other users is not professional advice. Do not rely on the Service as a substitute for legal, regulatory, financial, tax, or compliance counsel for your specific situation.

8. Limitation of liability

To the maximum extent permitted by law, Insora, New Reign Capital, LLC, our officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your access to or use of the Service. Our aggregate liability for any claim arising out of or relating to these Terms or the Service is limited to the greater of (a) the amounts you paid to Insora in the twelve months preceding the claim and (b) US $100.

9. Indemnity

You agree to indemnify and hold harmless Insora and New Reign Capital, LLC from claims brought by third parties arising out of (i) your content, (ii) your use of the Service in violation of these Terms or applicable law, or (iii) your violation of the rights of any third party.

10. Dispute resolution and governing law

These Terms are governed by the laws of the State of California, USA, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in San Francisco, California. You and Insora each waive the right to a jury trial and to participate in a class action. Either party may seek injunctive relief in a court of competent jurisdiction to protect intellectual property or confidential information.

11. App store terms (Apple-required)

If you obtained the Insora app from the Apple App Store, you acknowledge that:

  • These Terms are between you and Insora only, not with Apple. Apple is not responsible for the app or its content.
  • Apple has no obligation to provide maintenance or support for the app.
  • If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the app (currently $0); Apple has no other warranty obligation.
  • Claims relating to the app (product liability, conformity with legal requirements, consumer-protection claims) are the responsibility of Insora, not Apple.
  • You represent that you are not located in a US-embargoed country and are not on any US Government list of prohibited or restricted parties.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and have the right to enforce them against you.

12. Termination

You may stop using the Service and delete your account at any time from /account. We may suspend or terminate your account if we reasonably believe you have violated these Terms or applicable law. The sections that by their nature should survive termination (intellectual property, disclaimers, limitation of liability, indemnity, dispute resolution) will continue in effect.

13. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced in-app and by email at least 14 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance.

14. Contact

New Reign Capital, LLC
Support: support@insorains.com
Legal: legal@insorains.com

← Back