Effective 2026-09-15 · replaces version 2026-04-24-draft · published at /legal/terms

1. Scope and parties

These Terms of Service ("Terms") are a binding agreement between the customer identified at signup ("Customer", "you") and Desk Plus LLC, a Florida limited liability company doing business as WYN Studio ("WYN Studio", "we", "us"), for the WYN Agent Portal software service (the "Service"). By creating an account, clicking to accept, or using the Service, you agree to these Terms, the Acceptable Use Policy, the Data Processing Addendum and the Privacy Policy, each incorporated by reference. If you accept on behalf of an agency or company, you represent that you have authority to bind it.

These Terms are written in English. Any translation is provided as a courtesy and has no legal effect; the English text controls.

2. Definitions

• Authorized User: an employee, contractor or agent of Customer whom Customer invites to the Service under one of its user roles.
• End Customer: a client, insured, prospect or lead of Customer whose information Customer stores in the Service or who uses the client portal.
• Customer Data: all data, files, messages, recordings and content that Customer or its Authorized Users or End Customers submit to the Service.
• Input: Customer Data and prompts that Customer submits to an AI feature. Output: text, summaries, extracted values, scores, drafts or audio that an AI feature produces for Customer.
• Beta Feature: any feature we label beta, preview, early access, or that we enable for a limited set of customers.
• Plan: the subscription tier selected at signup or later changed in billing settings. Usage Charges: metered charges for consumption-priced features.
• Connected Service: a third-party account or service that Customer links to the Service using Customer's own credentials.

3. Account, eligibility and security

The Service is for business use by insurance agencies and similar organizations. You must be at least 18 years old and able to form a binding contract. You are responsible for all activity under your account and your Authorized Users' credentials, for keeping credentials confidential, and for promptly notifying us at security@wynstudio.io if you suspect unauthorized access. We may require multi-factor authentication for owner and administrator roles and for any role you designate.

Our support staff may access your account in a read-only support mode to diagnose problems, verify security events, or assist you at your request. Support access cannot change your data, and every support session is logged.

4. The Service and Plans

The Service is a web-based agency management platform that includes customer relationship management, communications, automation, commission tracking, e-signature, reporting and AI assistance. Plan tiers, included features and current prices are published on our pricing page (https://wynstudio.io/en/agent-portal/pricing) and feature catalog, which we may update. We may improve, add or retire features; where a change materially reduces functionality of a paid Plan, we will give at least 30 days' notice.

Some features are available only on certain Plans, require separate enablement, or are offered as Beta Features. We do not warrant that any Beta Feature or any feature described as planned or coming soon is available.

5. Free Plan and founding rate

The free Plan ("On Us") has no time limit and no automatic upgrade. We may change the free Plan for new signups at any time. We will give existing free Plan customers at least 90 days' notice before any change reduces what their free Plan includes.

Founding rate. If you subscribe to a paid Plan while the founding rate is displayed for that Plan on our pricing page, the recurring price of that Plan is locked for as long as your subscription to that Plan remains continuously paid. The lock ends if your subscription lapses for more than 30 days, if you downgrade, or if you cancel. The lock applies to the Plan price only; Usage Charges follow the current rate catalog.

6. Fees, Usage Charges and payment

Paid Plans are billed in advance each month and renew automatically at the end of each monthly term until cancelled. Usage Charges are billed by consumption at the rates published in our rate catalog (https://wynstudio.io/en/agent-portal/pricing) and are paid from a prepaid balance ("Wallet"). Metered features do not run when the Wallet balance is insufficient. The minimum Wallet top-up is $25. Rates for metered features may change on 30 days' notice on the rate catalog page.

Wallet balances do not expire while your account is open. Cash top-ups that remain unused when you close your account are refundable on request made within the 30-day closure period; promotional or courtesy credits are not refundable and are forfeited at closure.

Payments are processed by our payment processor. You authorize us to charge your payment method for all fees due. Fees exclude taxes; you are responsible for applicable sales, use and similar taxes other than taxes on our income. Except as stated in section 5 for Wallet balances, or where required by law, fees are non-refundable and there are no refunds or credits for partial periods, downgrades, or unused features. We may correct pricing errors.

7. Non-payment, suspension and read-only access

If a payment fails, we will notify you and retry. If the failure is not resolved within 3 days, your account becomes read-only: you and your Authorized Users can view data, download record exports, and access billing settings, but cannot create or change records or send communications, until payment is made. If payment remains unresolved for 60 days, we may terminate the subscription; termination starts the 30-day closure period in section 19, during which the account stays read-only for export.

We may also suspend the Service, in whole or in part, if we reasonably believe that your use violates the Acceptable Use Policy, threatens the security or integrity of the Service or other customers, or exposes us to legal liability. We will notify you and, where practical, give you an opportunity to cure before suspending.

8. Customer obligations

You will use the Service only in compliance with these Terms, the Acceptable Use Policy and applicable law, including insurance, privacy, telemarketing and messaging laws. You are the sender of record for every message, call and email you or your automations send through the Service. You are responsible for obtaining and documenting any consent required to contact End Customers, for honoring opt-outs and do-not-call requests, for registering your messaging brand and campaigns where required, and for configuring call recording, transcription and AI disclosures as the law of your jurisdictions requires. The Service provides tools that help with these obligations; the tools do not replace your own compliance.

You will ensure that your Authorized Users and End Customers are bound by terms at least as protective of us as these Terms, and you are responsible for their acts and omissions.

9. Input, Output and AI features

You own your Input and, as between you and us, your Output. You are responsible for the accuracy, quality and legality of your Input and for having the rights and consents needed to submit it. AI features can produce Output that is incomplete, inaccurate or unsuitable. You are responsible for reviewing Output before relying on it or sending it to anyone. Output is not legal, financial, tax, medical or insurance advice.

We do not use your Input or Output to train or fine-tune machine learning models, and we contractually require our AI providers not to use it to train theirs. We may use aggregated, de-identified usage information to operate and improve the Service. AI voice features place and answer calls using synthetic voices; Luna identifies itself as an AI assistant at the start of every call and in the voice widget. You may not disable, remove or instruct Luna to contradict that disclosure. You remain responsible for any additional disclosure your jurisdictions require.

10. Connected Services and customer-supplied credentials

You may connect third-party services, including email and calendar accounts, messaging and telephony accounts, e-signature and automation platforms, and AI providers, using your own credentials. Connected Services are governed by their own terms and privacy policies. We access them only as needed to provide the features you enable, and we are not responsible for their availability, security or data practices. You represent that you are authorized to connect each Connected Service and to grant us the access you configure.

11. Beta Features

Beta Features are provided as-is for evaluation, may be changed or withdrawn without notice, may not be covered by support commitments, and are excluded from any service commitment. You use Beta Features at your own risk and agree to provide reasonable feedback if we ask.

12. Support and service levels

We provide support by email and in-product ticket. Response times are targets, not guarantees. Any uptime or service-level commitment is available only under a separately signed enterprise agreement.

13. Intellectual property and feedback

We and our licensors own the Service, its software, design, documentation and all related intellectual property. You receive a limited, non-exclusive, non-transferable right to use the Service during the term for your internal business purposes. You may not copy, modify, reverse engineer, resell, sublicense, frame or create derivative works of the Service, or use it to build a competing product, except as the law expressly allows. If you provide feedback or suggestions, we may use them without obligation to you.

14. Confidentiality

Each party will protect the other's confidential information with at least reasonable care, use it only to perform under these Terms, and disclose it only to personnel and advisors who need it and are bound by confidentiality. Confidential information excludes information that is public through no fault of the recipient, already known to the recipient, independently developed, or rightfully received from a third party. A party may disclose confidential information as required by law after giving reasonable notice where permitted.

15. Data protection

We process Customer Data as your service provider and processor under the Data Processing Addendum at /legal/dpa, which forms part of these Terms. Our Privacy Policy at /legal/privacy describes how we handle personal information as a business in our own right. Our subprocessors are listed by category at /legal/subprocessors.

16. Warranty disclaimer

Except as expressly stated in these Terms, the Service is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title and non-infringement, and any warranty that the Service will be uninterrupted, error-free or free of harmful components, or that Output will be accurate.

17. Limitation of liability

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or goodwill, arising out of these Terms, however caused and under any theory of liability, even if advised of the possibility. Except for the excluded claims below, each party's total liability arising out of these Terms is limited to the greater of (a) the fees paid or payable by Customer to us in the 12 months before the event giving rise to the claim and (b) $500. Excluded claims: a party's indemnification obligations, Customer's payment obligations, either party's breach of confidentiality, and liability that cannot be limited by law.

18. Indemnification

You will defend and indemnify us against third-party claims, including claims by End Customers and regulators, arising from Customer Data, your Input or Output, communications sent from your account, your Connected Services, or your breach of these Terms, the Acceptable Use Policy or applicable law, and will pay resulting damages, penalties, costs and reasonable attorneys' fees. We will defend and indemnify you against third-party claims that the Service, as provided by us and used as permitted, infringes a United States patent, copyright or trademark or misappropriates a trade secret, and will pay resulting damages and costs; we may modify or replace the Service or, if neither is commercially reasonable, terminate the affected Service and refund prepaid unused fees. The indemnified party must give prompt notice, sole control of the defense and settlement, and reasonable cooperation.

19. Term, termination and data return

These Terms apply from acceptance until your account is closed. You may cancel a paid Plan at any time; cancellation takes effect at the end of the current billing period. An account owner may close the account from account settings. Closure starts a 30-day period during which the account is read-only and you may export Customer Data in CSV format and download your uploaded files. After that period we schedule deletion of Customer Data from active systems, except data we must retain under applicable record-keeping requirements or a legal hold, and residual copies in backups that expire on their normal schedule. Either party may terminate for material breach uncured 30 days after written notice, or immediately if the other party becomes insolvent. We may terminate immediately for a violation of the Acceptable Use Policy that threatens the Service or other customers. Sections that by their nature should survive, including 6, 9, 13, 14, 16, 17, 18, 21 and 22, survive termination.

20. Amendments

We may update these Terms. We will post the new version at this address with a new effective date and, for material changes, notify account owners by email or in-product notice at least 30 days before the effective date. Continued use of the Service after the effective date is acceptance of the updated Terms. If you do not agree, you may cancel before the effective date. Prior versions are published at this address.

21. Governing law and disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute arising out of these Terms or the Service that cannot be resolved informally within 30 days of written notice will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Miami-Dade County, Florida, before a single arbitrator. Claims must be brought individually; class, collective and representative proceedings are waived. Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in the state or federal courts located in Miami-Dade County, Florida, which the parties agree have jurisdiction for that purpose and for any matter not subject to arbitration.

22. Final provisions

These Terms, with the documents they incorporate and any order or enterprise agreement signed by both parties, are the entire agreement and supersede prior agreements on the subject. If a signed enterprise agreement conflicts with these Terms, the signed agreement controls. Neither party may assign these Terms without the other's consent, except to a successor in a merger, acquisition or sale of substantially all assets. Notices to us go to legal@wynstudio.io; notices to you go to the account owner's email. Neither party is liable for failure caused by events beyond its reasonable control. If any provision is unenforceable, the rest remains in effect. No waiver is effective unless in writing. The parties are independent contractors.

Contact: Desk Plus LLC d/b/a WYN Studio, 3750 NW 87th Ave Suite 700, Doral, FL 33178. legal@wynstudio.io or hello@wynstudio.io.