This Subscriber Agreement ("Agreement") is entered into between:
This Agreement is formed when you complete registration on the platform and is supplemented by the Terms of Service, which apply to all platform users and are incorporated into this Agreement by reference. In the event of any conflict between this Agreement and the Terms of Service, this Agreement prevails in respect of the commercial relationship between us.
QuoteBridge operates an online insurance lead generation marketplace that connects consumers seeking insurance cover with licensed Providers. We are not an insurer or insurance broker. We do not bind coverage, issue policies, or handle premiums.
In this Agreement:
Subject to payment of the Subscription Fee and compliance with this Agreement, we grant the Subscriber a non-exclusive, non-transferable right to access and use the Platform for the purposes of receiving Lead Requests and submitting Indicative Quotes during the Subscription Period.
The Subscriber may authorise staff members to access the Platform under its account. The Subscriber is responsible for all activity carried out by its authorised users and must ensure they comply with the Terms of Service and this Agreement.
Subscription access is granted for the territory or territories selected at registration. Lead Requests will only be routed to the Subscriber for territories in which they are active and hold the required regulatory approvals. Additional territories may be added subject to agreement and any applicable fee adjustment.
QuoteBridge operates a multi-provider marketplace. Subscription does not confer any exclusive rights to Lead Requests. Multiple Providers may receive and respond to the same consumer enquiry.
The Subscriber warrants that it holds and will maintain throughout the term of this Agreement all licences, registrations, and approvals required by the applicable financial services regulatory authority in each territory where it operates. The Subscriber must notify us promptly if any required licence is suspended, revoked, or not renewed.
All Indicative Quotes submitted through the Platform must be made in good faith and based on a genuine assessment of the risk data provided. Quotes must not be submitted speculatively or as a mechanism to collect consumer data without genuine intent to offer coverage.
The Subscriber acknowledges that Consumer Data received through the Platform:
The Subscriber acts as an independent data controller in respect of Consumer Data it receives. QuoteBridge is not responsible for the Subscriber's data handling practices following receipt of a Lead Request.
The Subscriber acknowledges that QuoteBridge does not rank, weight, or promote any Indicative Quote over another. The Subscriber must not attempt to manipulate the display or sequencing of quotes through any technical or other means.
The Subscriber must ensure that its company profile on the Platform is accurate and kept up to date, including any changes to company name, contact details, regulatory status, or territories of operation.
Subscription Fees are charged monthly in accordance with the following standard rates:
| Subscriber Type | Territory | Monthly Fee | Currency |
|---|---|---|---|
| Insurer | Barbados | BDS $2,500 | Barbados Dollar |
| Insurer | All other territories | USD $1,250 | US Dollar |
| Broker | Barbados | BDS $2,000 | Barbados Dollar |
| Broker | All other territories | USD $1,000 | US Dollar |
Where a Subscriber is part of a parent organisation with multiple territory subscriptions, a group discount may apply as agreed in writing with QuoteBridge.
Value Added Tax (VAT) at the applicable Barbados rate will be added to fees charged to Barbados-registered subscribers once QuoteBridge is registered for VAT with the Barbados Revenue Authority. We will provide reasonable notice before VAT is applied to invoices.
Invoices are generated automatically on the first day of each calendar month for the month ahead. Invoices are sent by email to the billing email address registered on the Subscriber's account. It is the Subscriber's responsibility to ensure the billing email address is current.
Payment is due within 14 days of the invoice date. Payment details are provided on each invoice. The Subscriber is responsible for any bank charges or transfer fees associated with payment.
Where an invoice remains unpaid, the following escalation schedule applies:
| Days Overdue | Action |
|---|---|
| Day 1 | Invoice status changes to Overdue |
| Day 7 | Payment reminder email sent |
| Day 14 | Suspension notice email sent |
| Day 21 | Account suspended (access to Lead Requests paused) |
A suspended account continues to accrue monthly invoices. Suspension does not constitute termination. Access is restored upon payment of all outstanding amounts. We reserve the right to write off or cancel an invoice at our discretion, but have no obligation to do so.
We reserve the right to revise the Subscription Fee with a minimum of 30 days written notice. Continued use of the Platform after the effective date of a fee change constitutes acceptance of the revised fee.
All Platform software, design, systems, and documentation remain the exclusive property of Project 3 Consultants and Logistics Inc. and its licensors. This Agreement does not transfer any intellectual property rights to the Subscriber.
The Subscriber retains ownership of any proprietary pricing models, underwriting criteria, or business information it inputs into or generates through the Platform. By submitting Indicative Quotes, the Subscriber grants us a limited licence to display that information to the relevant consumer on the Platform.
Each party agrees to keep confidential any non-public information received from the other party in connection with this Agreement, and to use such information only for the purposes of performing its obligations under this Agreement.
This obligation does not apply to information that: (a) is or becomes publicly available other than through breach of this clause; (b) was already known to the receiving party at the time of disclosure; or (c) is required to be disclosed by law or regulatory authority.
Consumer Data is not the confidential information of QuoteBridge for the purposes of this clause; it is subject to the data protection obligations in clause 4.3.
QuoteBridge is a technology marketplace. We do not warrant the accuracy or completeness of consumer-submitted risk data, and we are not responsible for any underwriting decision made by the Subscriber on the basis of information received through the Platform.
To the fullest extent permitted by law, our total liability to the Subscriber in connection with this Agreement shall not exceed the total Subscription Fees paid by the Subscriber in the three months preceding the claim. We are not liable for any indirect, consequential, or special loss, including loss of business, loss of revenue, or reputational damage.
Nothing in this clause limits liability for fraud, death, or personal injury caused by our negligence.
The Subscriber may terminate this Agreement by giving us 30 days written notice to support@eqicaribbean.com. Fees already invoiced for the current Subscription Period remain payable and will not be refunded.
We may suspend or terminate a Subscriber's account immediately without notice if:
On termination, the Subscriber's access to the Platform ceases immediately. All outstanding invoices become immediately due and payable. The obligations in clauses 4.3 (Consumer Data), 7 (Confidentiality), and 8 (Limitation of Liability) survive termination.
We may update this Agreement from time to time. We will provide at least 30 days written notice of material changes by email to the Subscriber's registered billing address. Continued use of the Platform after the effective date of any change constitutes acceptance of the revised Agreement.
The current version of this Agreement is always available at insurance.eqicaribbean.com/subscriber-agreement/.
This Agreement and the Terms of Service together constitute the entire agreement between us in relation to the Subscriber's use of the Platform and supersede all prior representations and understandings.
This Agreement is governed by the laws of Barbados. Any dispute that cannot be resolved informally shall be referred to the exclusive jurisdiction of the courts of Barbados.
Failure by either party to exercise any right under this Agreement shall not constitute a waiver of that right.
If any provision of this Agreement is found to be unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force.
The Subscriber may not assign or transfer any rights under this Agreement without our prior written consent. We may assign our rights and obligations to any successor entity without the Subscriber's consent, provided we give reasonable notice.
| Purpose | Contact |
|---|---|
| Billing queries | billing@eqicaribbean.com |
| Platform support | support@eqicaribbean.com |
| Legal and compliance | legal@eqicaribbean.com |
| General enquiries | info@eqicaribbean.com |
Registered office: Project 3 Consultants and Logistics Inc., #42 Durette Gardens, Gemswick, St Philip, Barbados. Company Registration No. 52770.