Renewal Book
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Terms of Service

Version 2026-10-01 · effective October 1, 2026

These Terms of Service (“Terms”) are an agreement between FEVO LLC, a Florida limited liability company doing business as Renewal Book (“Renewal Book”, “we”, “us”), and the business that creates an account (“you”, “your agency”). The person who accepts these Terms confirms that they are at least 18 and have authority to accept them for that business. If you don’t agree, don’t use the service.

1. The service

Renewal Book is web software that helps insurance agencies keep track of clients, policies, renewal dates and commissions (the “Service”). We host it, maintain it, back it up and improve it. We may change features over time; we won’t remove a core feature of a plan you pay for without telling you at least 30 days before.

Renewal Book is a tool, not an insurance agency or adviser. It doesn’t place, bind, renew or cancel insurance, give insurance or legal advice, or contact carriers on your behalf. You remain responsible for your clients, your policies and your professional duties, including checking renewal dates and commission amounts against carrier records.

2. Accounts and access

  • Keep sign-in details confidential. Each person uses their own account; don’t share one sign-in between people.
  • Owners and admins decide who in your agency has access and at what level, and are responsible for everything done under your agency’s accounts.
  • Owners and admins must use two-step sign-in. You can require it of everyone in your agency.
  • Tell us promptly at i.shulha@renewal-book.com if you believe an account has been used without permission.

3. Your data

  • Everything you put into the Service stays yours: your clients, policies, documents, notes and other content (“Your Data”).
  • You give us a limited permission to host, copy, process and display Your Data only as needed to provide, secure and support the Service for you, as described in our Privacy Policy and Data Processing Addendum, which form part of these Terms.
  • You confirm that you have the right to put Your Data into the Service, including any notices and consents your clients need, and that doing so complies with the laws that apply to your agency.
  • You can export all of Your Data at any time, on every plan, at no charge.
  • We may use aggregated, de-identified information about how the Service is used (never Your Data itself) to operate and improve it.

4. Plans, trials and payment

  • Trial. A new agency can try every feature free for 30 days. Unless you choose a paid plan, your agency then moves to the free plan. We don’t delete data because a trial ends.
  • Subscriptions. Paid plans are billed in advance, monthly or yearly, by our payment processor, and renew automatically until cancelled. Prices are on our pricing page and exclude applicable taxes, which are added at checkout.
  • Founding Lifetime. A one-time payment for a plan that you keep, with its limits, updates and hosting, for as long as we provide the Service and your account is in good standing. It doesn’t include paid add-ons we may offer later. You may ask for a full refund within 60 days of paying.
  • Failed payments. If a payment fails, your plan stays on for 14 days while you update your card; after that, the account moves to the free plan.
  • Limits. Each plan has limits (such as active policies, people and storage). Over a limit, you can still see, work and export everything; adding more waits until you upgrade.
  • Price changes. We’ll give at least 30 days’ notice of a price change for a subscription; it applies from your next billing period.
  • Refunds. Apart from the Founding Lifetime refund above, and where the law requires otherwise, payments are not refundable. Cancelling stops future charges.

5. Cancelling and closing an account

You can cancel a paid subscription any time in Settings. It stays active to the end of the period you’ve paid for, and then the account moves to the free plan. To close your account and have Your Data deleted, write to us; we’ll confirm and delete it (and it leaves our backups within 14 days), after you’ve had the chance to export it.

We may suspend or close an account that breaks these Terms or the Acceptable Use Policy, that puts the Service or other customers at risk, or where the law requires it. Except in urgent cases, we’ll tell you first and give you a reasonable chance to fix the problem and to export Your Data.

6. Acceptable use

Use the Service lawfully and as our Acceptable Use Policy describes.

7. Availability and support

We work to keep the Service available and fast, and we schedule maintenance outside US business hours where we can. We don’t promise it will be uninterrupted or error-free. Support is by email at i.shulha@renewal-book.com.

8. Confidentiality and security

We treat Your Data as confidential and protect it with the measures described on our Security page and in the Data Processing Addendum. We will tell you without undue delay if we learn that Your Data has been accessed without authorization.

9. Warranties and disclaimers

We provide the Service with reasonable skill and care. Except as stated in these Terms, and to the extent the law allows, the Service is provided “as is” and “as available”, and we disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. Reminders, reports and calculations in the Service (such as renewal dates and commission amounts) depend on the data entered and are aids, not guarantees.

10. Limitation of liability

To the extent the law allows:

  • Neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, commissions or business, even if told they were possible.
  • Each party’s total liability arising out of or relating to these Terms is limited to the amounts you paid us for the Service in the 12 months before the event giving rise to the claim (for a Founding Lifetime plan, the amount you paid for it), or US $100 if greater.

These limits don’t apply to your payment obligations, to either party’s liability for fraud or wilful misconduct, or where the law doesn’t allow them.

11. Indemnity

You’ll defend and indemnify us against third-party claims arising from Your Data or from your use of the Service in breach of these Terms or the law. We’ll defend and indemnify you against third-party claims that the Service, as we provide it, infringes their intellectual property rights.

12. Changes to these Terms

We may update these Terms. For a change that matters, we’ll email account owners at least 30 days before it takes effect. Continuing to use the Service after that date means you accept the updated Terms. The version and date are at the top of this page.

13. General

  • Governing law. These Terms are governed by the laws of the State of Florida, USA, without regard to its conflict-of-law rules. The state and federal courts located in Miami-Dade County, Florida, have exclusive jurisdiction, and both parties consent to it.
  • Entire agreement. These Terms, with the Privacy Policy, the Data Processing Addendum and the Acceptable Use Policy, are the whole agreement between us about the Service.
  • Assignment. You may not transfer these Terms without our consent. We may transfer them to a successor to our business, with notice to you.
  • Events beyond control. Neither party is liable for delays caused by events beyond its reasonable control.
  • Severability and waiver. If a part of these Terms can’t be enforced, the rest stays in effect. Not enforcing a right isn’t a waiver of it.
  • Notices. We send notices to the account owner’s email address. Send notices to us at i.shulha@renewal-book.com.