Simahi Agent Hub – Terms & Conditions

Last Updated: November 9, 2025

These Terms & Conditions (“Terms”, “Terms of Service”) govern your access to and use of Simahi Agent Hub (the “Service”), operated by Dot H Digital (“Dot H Digital”, “Simahi”, “we”, “us”, or “our”). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

The Service is designed for licensed insurance and financial professionals and their organizations. It is not intended for personal or consumer use by the general public.

1. Relationship & Definitions

Simahi Agent Hub is a product of Dot H Digital. References in these Terms to “Simahi”, “we”, “us”, or “our” refer to Dot H Digital, operating the Simahi Agent Hub platform.

In these Terms:

• “Subscriber” means the individual or organization that purchases or registers for a Simahi subscription.
• “User” means any person who accesses the Service under the Subscriber’s account (e.g., agents, staff).
• “Customer Data” means data about your clients, leads, policies, and related records that you or your users input into the Service.
• “Documentation” means any online help, guides, or documentation we provide about the Service.

2. Eligibility, Accounts & Responsibilities

• You must be at least 18 years old and have the authority to enter into these Terms on behalf of yourself or your organization.
• You are responsible for ensuring that all registration and billing information is accurate and kept up to date.
• You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. If you suspect unauthorized access, you must notify us promptly.
• If you are an organization, you are responsible for the actions of your users and for configuring roles and permissions appropriately within your Simahi workspace.

3. Services Provided

Simahi Agent Hub provides a cloud-based software platform for Canadian insurance and financial professionals, including:

• Customer and lead management (CRM)
• Policy and quote tracking
• Task, reminder, and appointment management
• Email and calendar integrations (where enabled)
• Optional lead-generating websites and online quoting tools
• Analytics and reporting features

We may add, modify, or discontinue features from time to time. Your purchases are not contingent on the delivery of any future functionality or on any oral or written statements regarding future features.

4. Confidentiality & Data Protection

We treat your Customer Data and business information as confidential. We will:

• Use Customer Data only to provide, maintain, secure, and improve the Service, or as otherwise permitted in these Terms or by you in writing.
• Limit access to Customer Data to authorized personnel and subcontractors who need it to perform their duties and who are bound by confidentiality obligations.
• Implement reasonable technical and organizational measures designed to protect Customer Data from unauthorized access, loss, or disclosure.

For more details on how we handle personal information, please review our Privacy Policy.

5. Data Processing & Regulatory Addenda

Our customers may be subject to various privacy and data protection laws (such as PIPEDA, provincial privacy laws, or GDPR if you serve EU/EEA clients). Where applicable:

• Upon request, we may enter into a Data Processing Agreement (DPA) or similar addendum that governs our role as a service provider / data processor.
• If you require a formal DPA or similar contract to comply with your regulatory obligations, contact us at privacy@dothdigital.com.
• In the absence of a separate DPA, these Terms and our Privacy Policy together form the core agreement governing our handling of Customer Data.

6. Use of the Service & Acceptable Use

You agree to use the Service only for lawful business purposes and in compliance with all applicable laws and regulations, including insurance, privacy, anti-spam, and telemarketing laws.

You agree not to:

• Use the Service to send unlawful, misleading, or unsolicited bulk communications.
• Upload or transmit any content that is illegal, harmful, defamatory, harassing, or infringing.
• Attempt to gain unauthorized access to the Service, accounts, or underlying systems.
• Reverse engineer, decompile, or otherwise attempt to derive the source code of the Service, except where permitted by law.
• Use the Service to build a competing product or to benchmark for purposes of competition.

7. Fees, Billing & Taxes

• Subscription fees, setup fees, and any add-on services will be billed in accordance with the pricing you agreed to (e.g., pricing page, proposal, or order form).
• Unless otherwise stated, fees are payable in advance and are non-refundable, except as expressly provided in these Terms.
• You authorize us (and our payment processors, such as Stripe) to charge your chosen payment method for all applicable fees on a recurring basis.
• You are responsible for all applicable taxes (such as HST/GST/PST). If we are required to collect taxes, they will be added to your invoices.
• We may suspend or limit access to the Service if your account is past due, after reasonable notice.

8. Free Trials, Subscription Term & Cancellations

From time to time, we may offer a 14-day free trial or other promotional period. The specific terms of any trial or promotion will be communicated when you sign up.

• Unless otherwise specified, paid subscriptions are billed on a monthly or annual basis and automatically renew at the end of each billing period.
• You may cancel auto-renewal by updating your billing settings or by contacting us at least the number of days stated in your plan or invoice before the renewal date.
• If you cancel before the end of a billing period, your access will continue until the end of that period, and fees already paid are non-refundable, except where required by law or explicitly agreed otherwise.
• We reserve the right to adjust pricing or plan structures on renewal with reasonable prior notice.

9. Customer Data Ownership & Export

As between you and us, you retain ownership of Customer Data you input into the Service. You grant us a limited, non-exclusive license to use, host, copy, and process Customer Data solely as necessary to provide and support the Service.

You are responsible for ensuring you have the necessary rights and consents to input Customer Data into Simahi and for complying with all applicable privacy and recordkeeping laws.

Before terminating your subscription, you are responsible for exporting any Customer Data you wish to retain. After a reasonable retention period (for example, 60–90 days) following termination, we may delete or anonymize Customer Data from our active systems, subject to legal obligations to retain certain records.

10. Intellectual Property

We (and our licensors) own all right, title, and interest in and to the Service, including all software, code, designs, interfaces, graphics, trademarks, and Documentation. Except for the limited rights expressly granted to you in these Terms, no other rights are granted.

You agree not to claim any ownership of the Service or its underlying intellectual property and not to use our trademarks or brand assets without our prior written permission.

11. Third-Party Services & Integrations

The Service may integrate with or rely on third-party services such as email providers, calendars, telephony/SMS services, payment processors, and analytics tools. Your use of those third-party services is subject to their own terms and privacy policies.

We are not responsible for any third-party services and do not guarantee their continued availability. If a third-party provider ceases to provide a service or changes its terms, this may impact your use of certain features in Simahi.

12. Email & Electronic Communications

• By creating an account, you and your authorized users consent to receive electronic communications from us, including service updates, administrative notices, onboarding guidance, and security alerts.
• You may opt out of non-essential marketing communications using unsubscribe links, but we may still send transactional or service-related messages that are necessary for your account and the Service.
• You are responsible for ensuring your own communications (email, SMS, calling) with your clients comply with applicable anti-spam and telemarketing laws (such as CASL in Canada).

13. Warranties & Disclaimers

We aim to provide a reliable and secure Service, but there are some things we cannot promise.

• The Service is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
• We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components, or that it will meet all of your specific regulatory or business requirements.
• You are responsible for verifying that the Service is suitable for your specific needs, including regulatory obligations in your jurisdiction.

14. Limitation of Liability

To the maximum extent permitted by law:

• Neither party will be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or business opportunities, even if advised of the possibility of such damages.
• Our total aggregate liability arising out of or relating to the Service or these Terms will be limited to the amount of fees actually paid by you to us for the Service in the twelve (12) months preceding the event giving rise to the claim.

15. Indemnification

You agree to indemnify and hold harmless Simahi / Dot H Digital and our directors, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Service in violation of these Terms or applicable law.
• Your Customer Data, including any claim that Customer Data infringes or misappropriates the rights of a third party.
• Any misuse of the Service by your users or clients under your control.

16. Suspension & Termination

• We may suspend or restrict access to the Service if we reasonably believe there is a security risk, misuse, non-payment, or violation of these Terms.
• Either party may terminate the subscription at the end of the then-current term in accordance with Section 8 (Cancellations), or earlier if the other party materially breaches these Terms and fails to cure within a reasonable period after written notice.
• Upon termination, your right to use the Service will cease, and we may disable access to your account. You remain responsible for any outstanding fees.

17. Changes to the Service or These Terms

We may update the Service and these Terms from time to time, for example to reflect new features, improvements, or legal requirements. When we make material changes to these Terms, we will update the “Last Updated” date and, where appropriate, provide additional notice (such as email or in-app notification).

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you should stop using the Service.

18. Governing Law & Disputes

These Terms and any disputes arising out of or relating to them or the Service will be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

The parties agree to submit to the exclusive jurisdiction of the courts located in Ontario, Canada for the resolution of any dispute, claim, or controversy arising out of or relating to these Terms or the Service.

19. Miscellaneous

• Entire Agreement: These Terms, together with any applicable order forms and our Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements or understandings.
• Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of our business or assets.
• Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
• No Waiver: Our failure to enforce any provision of these Terms will not be considered a waiver of our right to enforce such provision in the future.

20. Contact Us

If you have any questions about these Terms or the Service, you can contact us at:

Simahi Agent Hub / Dot H Digital

Address: 302 West Tower, 2233 Argentia Rd, Mississauga, ON L5N 6A6, Canada

Email (general): info@dothdigital.com

Email (privacy & security): privacy@dothdigital.com