Terms & Conditions

Last Modified: July 22, 2026

These Terms apply to Droplets, PitCrew, TrustDocs, and related Droplets services.

When you use Droplets services, you are trusting us with your information and workflows. We understand that responsibility and work to protect your data, provide secure services, and give customers clear control over their use of the platform.

End User License Agreement

IMPORTANT – PLEASE READ THESE TERMS CAREFULLY. THIS IS A LEGAL AND ENFORCEABLE CONTRACT BETWEEN YOU AND DROPLETS CORPORATION.

This End User License Agreement, together with any applicable order form, quotation, statement of work, service level agreement, privacy policy, acceptable use policy, data processing agreement, or other written agreement referencing these terms (collectively, the “Agreement”), governs access to and use of software, hosted applications, compliance systems, secure document tools, electronic signature services, artificial intelligence features, insurance referral workflows, third-party integrations, and related offerings provided by Droplets Corporation (“Droplets,” “we,” “our,” or “us”), including PitCrew, TrustDocs, and other Droplets products and services (collectively, the “Services”).

By clicking “I Accept,” creating an account, subscribing, purchasing, signing an order form, accessing the Services, or otherwise using any Droplets Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement. If you are accepting this Agreement on behalf of a company or other legal entity, you represent that you have authority to bind that entity. If you do not agree, do not access or use the Services.

Any purchase order or similar document issued by you is for administrative convenience only and does not modify this Agreement unless expressly agreed in writing by Droplets. If there is a conflict between this Agreement and a mutually executed order form or statement of work, the executed document controls only to the extent of that conflict.

1. Services

1.1 Subscription services. During the applicable subscription term and subject to this Agreement, Droplets will make the purchased Services available to Subscriber for internal business purposes, as described in the applicable order form, quotation, statement of work, or online purchase flow.

1.2 One-Time Purchases. Where Subscriber purchases a Service or software product on a one-time, perpetual, or non-recurring basis (rather than a subscription) as described in the applicable order form, quotation, or online purchase flow, Droplets will make such Service or product available to Subscriber for internal business purposes on a perpetual, non-exclusive basis, subject to Subscriber’s continued compliance with this Agreement. Unless otherwise specified in the applicable order form, one-time purchases do not include ongoing support, maintenance, updates, or platform enhancements, which may be purchased separately.

1.3 Support and Maintenance. Droplets may provide support, maintenance, updates, and platform enhancements during the subscription term in accordance with the applicable order form, service level agreement, support policy, or statement of work.

1.4 Modifications. Droplets may modify, enhance, update, or discontinue features of the Services from time to time, provided that Droplets will not materially reduce the core functionality of paid Services during an active subscription term without reasonable notice or a commercially reasonable alternative.

1.5 No professional advice. Unless expressly agreed in writing, Droplets does not provide legal, tax, accounting, regulatory, insurance, compliance consulting, or other professional advisory services.

2. Definitions

“Customer Data” means data, documents, forms, files, records, content, images, personal information, transaction information, workflows, metadata, and other information submitted to or processed through the Services by or on behalf of Subscriber or its users.

“Software” means any software, SaaS, hosted application, application programming interface, workflow, integration, or platform functionality provided by Droplets.

“Services” means the Droplets platform and related products and services, including PitCrew, TrustDocs, compliance workflow support, artificial intelligence features, integrations, analytics, and support services.

“Subscriber,” “you,” or “Customer” means the individual, company, or entity accessing or using the Services, including authorized users acting on its behalf.

“Users” means employees, contractors, representatives, agents, customers, consumers, recipients, signers, administrators, or other individuals authorized by Subscriber to access or use the Services.

3. Fees and Payment

Subscriber agrees to pay all fees set forth in the applicable order form, quotation, statement of work, invoice, subscription plan, or online purchase flow. Unless otherwise stated, fees are due in U.S. dollars and are exclusive of taxes. Subscriber is responsible for all applicable sales, use, excise, value-added, withholding, customs, duties, and other governmental taxes or charges, except taxes based on Droplets’ net income. Referral fees facilitated under Section 10 are not fees payable to Droplets and are governed by that Section.

Overdue amounts may accrue interest at 1.5% per month or the maximum amount permitted by law, whichever is lower. Droplets may recover reasonable costs of collection, including attorneys’ fees. Droplets may suspend access to paid Services for non-payment after providing reasonable notice where commercially practicable.

4. License and Access Rights

Subject to payment of applicable fees and compliance with this Agreement, Droplets grants Subscriber a limited, revocable, non-exclusive, non-transferable, non-sublicensable right for authorized Users to access and use the Services during the term for Subscriber’s internal business purposes and only in accordance with applicable documentation, order limits, and this Agreement.

The Services are licensed, not sold. Droplets and its licensors retain all rights, title, and interest in and to the Services, software, platform, workflows, designs, APIs, models, templates, know-how, and intellectual property. No rights are granted except as expressly stated in this Agreement.

5. License Restrictions and Ownership

Subscriber may not, and may not permit any third party to:

Reverse engineer, decompile, disassemble, or attempt to discover source code, architecture, models, prompts, algorithms, or underlying structures of the Services except to the extent permitted by law;

Copy, modify, translate, create derivative works, rent, lease, resell, sublicense, distribute, or otherwise make the Services available to third parties except as expressly permitted by Droplets;

Remove or obscure proprietary notices, trademarks, copyright notices, or branding;

Use the Services in excess of purchased seats, usage limits, subscription tiers, data limits, or scope restrictions;

Use the Services for benchmarking or competitive analysis intended for publication without Droplets’ prior written consent;

Use the Services to violate law, infringe third-party rights, commit fraud, transmit malware, or engage in prohibited conduct described in this Agreement.

If Subscriber provides suggestions, ideas, requests, feedback, or recommendations concerning the Services, Droplets may use them without restriction or compensation. Subscriber retains ownership of Customer Data, subject to the licenses and processing rights necessary for Droplets to provide, secure, support, analyze, and improve the Services as described in this Agreement and the Privacy Policy.

5.1 No legal advice. TrustDocs, PitCrew, and the Droplets platform are technology services only. Droplets is not a law firm, accounting firm, insurance agency, compliance consultant, or regulatory authority and does not provide legal, compliance, tax, accounting, insurance, or regulatory advice.

5.2 No compliance guarantee. Use of the Services does not guarantee compliance with any law, regulation, industry standard, licensing requirement, governmental obligation, audit requirement, or third-party requirement.

5.3 Customer responsibility. Subscriber remains solely responsible for the accuracy, legality, quality, integrity, and appropriateness of Customer Data and for determining whether Subscriber’s use of the Services satisfies applicable business, legal, regulatory, and compliance requirements.

5.4 Fair sse. Droplets reserves the right to limit, suspend, or terminate excessive, abusive, automated, or abnormal usage that negatively impacts platform performance, availability, security, or other customers.

5.5 Beta features. Droplets may offer beta, preview, experimental, or early-access features. Such features are provided “as is,” may be modified or discontinued at any time, and are excluded from warranties and service commitments unless expressly stated otherwise.

6. Term

The initial term of the Services will be stated in the applicable order form, quotation, statement of work, subscription plan, or online purchase flow. Unless otherwise stated, subscriptions may renew for successive periods as specified in the applicable ordering document or online subscription terms. Renewal fees may be charged at the then-current rates unless otherwise agreed in writing. Unless a different period is stated in the applicable ordering document, either party may elect not to renew by giving written notice at least thirty (30) days before the end of the then-current term. Droplets will give at least forty-five (45) days’ prior written notice of any increase in renewal fees, and any increase exceeding seven percent (7%) over the prior term requires Subscriber’s written consent.

7. Termination

Either party may terminate this Agreement or an applicable order as stated in the applicable ordering document. Unless otherwise stated, either party may terminate at the end of the then-current subscription term by providing written notice before renewal. Droplets may terminate or suspend access immediately if Subscriber breaches Sections 4, 5, 18, or any security, payment, or unlawful-use obligation, or if suspension is necessary to protect the Services, customers, users, or third parties.

Upon termination, Subscriber may request export of Customer Data in a standard format during any applicable post-termination access period stated in the order form or agreed by Droplets. After that period, Droplets may delete Customer Data in accordance with its retention policies, contractual obligations, and applicable law.

8. Effect of Termination

Upon termination or expiration, Subscriber’s right to access paid Services will cease, all unpaid fees become due, and Droplets may disable accounts or restrict access. Sections intended to survive, including ownership, confidentiality, payment obligations, data rights, referral fee and funds-handling obligations under Sections 10.2 through 10.7, disclaimers, limitations of liability, indemnity, dispute resolution, and provisions reasonably intended to survive, will remain in effect.

9. Confidential Information and Data Integrity

9.1 Confidential information. Each party may receive proprietary or confidential information from the other party, including business plans, technical information, product information, pricing, customer information, software, systems, and non-public materials. The receiving party will use confidential information only to perform under this Agreement and will protect it using reasonable care.

9.2 Exceptions. Confidential information does not include information that is publicly available without breach, already known without obligation of confidentiality, independently developed without use of confidential information, or rightfully received from a third party without confidentiality obligations.

9.3 Data integrity. Subscriber is responsible for the accuracy, legality, quality, integrity, reliability, and right to use Customer Data. Droplets is not responsible for inaccuracies in Customer Data or business decisions made based on Customer Data or Subscriber configurations.

9.4 Privacy Policy. Droplets’ Privacy Policy describes how Droplets collects, uses, discloses, and protects information. Droplets may update its Privacy Policy from time to time and may provide notices required by law or contract concerning material changes.

9.5 Security incidents. If Droplets becomes aware of a confirmed security incident affecting Customer Data, Droplets will notify impacted Subscribers without undue delay after Droplets confirms the incident and provide information reasonably available regarding the nature of the incident, affected data, mitigation steps, and recommended actions, consistent with applicable law and contractual obligations.

9.6 Subprocessors and DPA. Subscriber acknowledges that Droplets may use third-party service providers and subprocessors to provide the Services. A current list of subprocessors will be made available upon request where applicable. If required by law or contract, the parties may enter into a data processing agreement.

10. Insurance Referrals and Quote Requests

If a user indicates that they are interested in obtaining insurance coverage, requesting an insurance quote, comparing insurance products, or being connected with an insurance professional, that user expressly authorizes Droplets to share the information submitted through the Services with one or more licensed insurance agents, insurance agencies, brokers, carriers, or other insurance partners for the purpose of evaluating the request and contacting the user regarding available insurance products and services.

By submitting an insurance inquiry or requesting insurance-related assistance through the Services, the user agrees that:

Information submitted by the user may be shared with licensed insurance professionals or insurance partners;

Those parties may contact the user by phone, email, text message, or other lawful communication methods regarding the request;

Droplets is acting as a technology platform facilitating connections and is not acting as an insurance producer, broker, carrier, or agency unless expressly stated otherwise;

The user is responsible for reviewing and agreeing to any applicable terms, notices, policies, and disclosures provided by the relevant insurance professional, agency, carrier, broker, or partner.

10.1 Referral fee facilitation. Where an insurance agent, agency, or broker (an “Agent”) and a dealership or other referring business (a “Referring Partner”) agree that a referral fee is payable in connection with a lead referred through the Services, the Agent may fund that fee through Droplets’ third-party payment processor, Stripe, Inc. (“Stripe”), for disbursement to the Referring Partner. Droplets provides this capability solely as a technology and administrative convenience. Droplets is not a party to the underlying referral arrangement, does not solicit, negotiate, or sell insurance, does not set or guarantee the amount or payability of any referral fee, and receives no compensation that is contingent on the sale of any insurance product.

10.2 Referral fee structure. Referral fees facilitated through the Services are flat, per-lead amounts that do not exceed the maximum configured in the Services or stated in the applicable order form. A referral fee is earned upon delivery of a qualifying lead. It is not contingent on whether the referred consumer applies for, is offered, purchases, or binds any insurance product, and it is not calculated by reference to premium, commission, or the volume or profitability of business placed. The Referring Partner may not solicit, negotiate, or sell insurance, may not discuss the specific terms, conditions, benefits, limitations, exclusions, or pricing of any insurance product with a referred consumer, and may not hold itself out as licensed to transact insurance. The Referring Partner’s role is limited to identifying and referring a consumer who has consented to be contacted. Droplets may modify, cap, or restrict the referral fee configuration, including on a per-jurisdiction basis, where Droplets determines it is necessary to comply with applicable law.

10.3 Nature of funds held. Funds provided by an Agent for referral fees are held in an account maintained with or through Stripe for the benefit of the Referring Partner entitled to receive them and do not constitute assets, revenue, or property of Droplets. Droplets will not commingle referral fee funds with its general operating funds, will not lend, pledge, invest, or otherwise use such funds for its own account, and will not pay interest on funds held. Droplets holds such funds solely as agent of the payee, for the limited purpose of receiving and remitting them, and receipt by Droplets or Stripe discharges the Agent’s obligation to the Referring Partner to the extent of the amount received.

10.4 Disbursement, deductions, and reversals. Droplets will disburse referral fees in accordance with the instructions and schedule configured in the Services, subject to Stripe’s processing times, verification requirements, and account limits. Droplets may withhold, offset, delay, or reverse a disbursement to the extent reasonably necessary to correct an error, resolve a dispute between the parties, satisfy a chargeback, refund, or reversal, comply with applicable law or a lawful request, or address suspected fraud or misuse, including duplicate, fabricated, incentivized, or otherwise non-qualifying leads. Each recipient is responsible for negative balances, chargebacks, and reversals attributable to its transactions, and authorizes Droplets and Stripe to recover such amounts from future disbursements or by other lawful means.

10.5 Stripe terms and onboarding. Payment processing is provided by Stripe and is subject to the Stripe Connected Account Agreement and Stripe Services Agreement, which each Agent and Referring Partner must accept as a condition of sending or receiving funds. Each such party must complete Stripe’s identity verification and onboarding requirements and provide accurate business, beneficial ownership, and tax information. Droplets is not responsible for Stripe’s acts, omissions, holds, account suspensions, or determinations, and Droplets may suspend referral fee facilitation for any party that fails to satisfy Stripe’s requirements.

10.6 Tax reporting and unclaimed funds. Each recipient is solely responsible for determining and satisfying its own tax obligations with respect to referral fees received, including income and information reporting. Droplets and Stripe will issue information returns only to the extent required by applicable law. If Droplets is unable to disburse funds because a Referring Partner has not completed onboarding, has provided invalid payout details, or is unreachable, Droplets will make reasonable efforts to contact the Referring Partner and will thereafter handle the funds in accordance with applicable unclaimed property law.

10.7 Compliance responsibility for referral compensation. Each Agent and Referring Partner represents and warrants that the referral arrangement, and any fee paid or received under it, complies with all applicable insurance laws and regulations in each applicable jurisdiction, including producer licensing, commission-sharing, anti-rebating, and referral compensation restrictions, and with all applicable consumer disclosure requirements. Each Agent is responsible for confirming that referral compensation is permitted in each jurisdiction in which it operates and that the configured amount does not exceed any applicable statutory or regulatory limit. Droplets does not provide legal or regulatory advice concerning referral compensation, makes no representation that any referral arrangement is lawful, and may suspend or terminate referral fee facilitation at any time.

11. Electronic Signatures and TrustDocs

TrustDocs enables users to facilitate electronic signatures, document execution, workflow automation, secure document sharing, and document storage. Droplets does not provide legal advice concerning enforceability, does not guarantee enforceability in any jurisdiction, does not independently verify signer identity beyond the authentication controls selected by the customer, and does not act as a witness, notary, attorney, or legal representative.

Subscriber is solely responsible for determining whether documents executed through TrustDocs satisfy applicable legal requirements, including the ESIGN Act, UETA, eIDAS, and other applicable electronic signature laws. Subscriber is also responsible for document content, signer authority, consent to electronic records, retention practices, and any required disclosures.

12. Compliance Disclaimer

Droplets provides technology tools designed to assist organizations with compliance-related workflows, recordkeeping, document execution, communications, and operational processes. The Services do not constitute legal advice, compliance certification, regulatory approval, audit approval, or professional consulting services.

Subscriber remains solely responsible for determining applicable legal and regulatory requirements, maintaining compliant business practices, ensuring the accuracy of information entered into the platform, providing required notices or consents, and satisfying all obligations applicable to its business. Use of the Services does not guarantee compliance with any law, regulation, industry standard, audit obligation, or governmental requirement.

13. Artificial Intelligence Features

Droplets may offer artificial intelligence and machine-learning features that assist with compliance workflows, document review, data extraction, form completion, regulatory support, workflow automation, business process recommendations, customer engagement analytics, and related productivity features.

AI-generated content, summaries, classifications, recommendations, scores, analytics, or outputs are intended to support, not replace, human judgment. AI outputs may be inaccurate, incomplete, biased, outdated, or unsuitable for a specific purpose. Subscriber is solely responsible for independently reviewing, validating, and approving AI outputs before relying on or acting upon them.

13.1 Ownership of inputs and outputs. Subscriber retains ownership of Customer Data submitted to the Services. Subject to this Agreement, Subscriber also retains ownership of AI-generated outputs produced from Customer Data. Droplets retains all rights to the underlying software, algorithms, models, prompts, workflows, system architecture, analytics, and platform technology used to generate outputs.

13.2 Training and improvements. Droplets may use aggregated, anonymized, and de-identified information to improve platform functionality, analytics, artificial intelligence systems, security, and product performance. Droplets will not use Customer Data in a manner that identifies a customer, user, consumer, dealership, insurance agency, or organization without consent unless otherwise permitted by contract or law.

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