Terms

360 TECHNOLOGIES USA LLC

TERMS AND CONDITIONS

Last Update: August 2026 | Applies to all 360 Technologies USA LLC platforms and services

  1. ACCEPTANCE OF TERMS

By accessing or using any platform, application, or service provided by 360 Technologies USA LLC (“360 Technologies,” “we,” “us,” or “our”), including Live 360, ClickSign 360, Hi360x, Flash Team 360, and any related services, you agree to be bound by these Terms and Conditions (“Terms”).

If you do not agree to these Terms, you must discontinue use of all 360 Technologies services immediately.

These Terms apply universally to all products and services offered by 360 Technologies, unless a separate written agreement has been executed between you and 360 Technologies, in which case that agreement shall govern to the extent it conflicts with these Terms.

  1. ELIGIBILITY

You must be at least 18 years old and legally capable of entering into binding agreements to use our services.

By using our platforms, you represent and warrant that:

  • You are at least 18 years of age
  • You have the legal authority to enter into this agreement
  • You are using the services for lawful business purposes
  • You comply with all applicable laws and regulations
  1. USER ACCOUNTS AND SECURITY

3.1 Account Responsibility

You are solely responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities conducted under your account
  • Notifying us immediately of unauthorized access or security breaches

3.2 Account Information

You agree to:

  • Provide accurate, complete, and current information during registration
  • Maintain and update this information to keep it accurate
  • Not impersonate other users or misrepresent your identity

3.3 Credential Security

You agree not to:

  • Share your account credentials with third parties
  • Use another person’s account without authorization
  • Allow multiple users to share a single account

Limitation: 360 Technologies is not liable for losses arising from unauthorized access resulting from your failure to secure your account or credentials.

  1. PERMITTED USE

You agree to use our platforms solely for lawful business purposes in accordance with these Terms.

4.1 Prohibited Activities

You may not:

  • Use services for fraudulent, harmful, or illegal activities
  • Attempt unauthorized access to systems, networks, or data
  • Interfere with platform functionality, performance, or security
  • Upload malicious code, viruses, or harmful scripts
  • Reverse-engineer, decompile, or disassemble any part of the platform
  • Bypass or circumvent security controls or rate limiting
  • Misuse or exploit features for unintended purposes
  • Engage in automated scraping or excessive data extraction
  • Violate intellectual property, privacy, or other legal rights

4.2 Enforcement

360 Technologies reserves the right to:

  • Monitor account activity for policy violations
  • Suspend or terminate accounts that violate these Terms
  • Pursue legal remedies for violations
  1. DATA OWNERSHIP AND USE

5.1 Your Data

You retain full ownership of all data, content, documents, information, and materials you upload or process through our platforms (“Your Data”).

360 Technologies does not:

  • Sell, rent, trade, or monetize Your Data
  • Use Your Data for marketing purposes
  • Share Your Data with third parties for their direct benefit
  • Use Your Data to compete with your business

5.2 License to 360 Technologies

By using our services, you grant 360 Technologies a limited, non-exclusive, revocable license to process Your Data solely for:

  • Operating and maintaining the platform
  • Providing requested features and workflows
  • Ensuring security, compliance, and reliability
  • Improving service performance and functionality
  • Complying with applicable law

5.3 Data Retention

Your Data is retained:

  • During the term of your subscription for platform operation
  • After termination, you have 30 days to request export
  • After 30 days, data will be securely deleted unless extension is requested
  • Certain data may be retained longer if required by law

5.4 No External Use

We do not use Your Data for:

  • Training AI models or machine learning systems
  • Developing competing services
  • External advertising or third-party marketing
  • Any purpose unrelated to providing our services

Important: 360x AI (described in Section 15) does NOT use your data for model training. Your data is processed by 360x AI solely to provide requested analysis and assistance within Live 360.

  1. PRIVACY AND SECURITY

6.1 Privacy Policy

Your use of our services is governed by our Privacy Policy (available at https://360techusa.com/privacy-policy/), which explains how we collect, use, and protect your information.

6.2 Security Measures

We implement industry-standard security practices to protect Your Data, including:

  • Encryption in Transit: TLS 1.2 or higher for all data transmission
  • Encryption at Rest: AES-256 encryption for all stored data
  • Access Controls: Role-based access control (RBAC) and least-privilege principles
  • Authentication: Multi-factor authentication (MFA) availability
  • Monitoring: Continuous monitoring and threat detection
  • Audit Logging: Comprehensive audit logs of all system access (6-year retention)
  • Backups: Regular backups with disaster recovery protocols
  • Infrastructure: Enterprise-grade cloud infrastructure (AWS) with contractual data protection agreements
Certification Disclosure
360 Technologies USA LLC operates on Amazon Web Services (AWS), which maintains SOC 2 Type II certification for its infrastructure and physical security controls.
360 Technologies USA itself is not SOC 2 certified, and no statement in these Terms shall be interpreted as representing or implying that 360 Technologies USA holds a SOC 2 certification.
We implement internal controls aligned with SOC 2 Trust Services Criteria; however, these controls do not constitute a formal SOC 2 audit or certification.

6.3 Security Limitations

No system can be guaranteed completely secure. 360 Technologies:

  • Makes reasonable efforts to protect Your Data
  • Cannot guarantee protection against all threats
  • Will notify affected users promptly if a breach occurs
  • Maintains an Incident Response Plan for security events

6.4 Your Security Responsibility

You are responsible for:

  • Securing your account credentials
  • Maintaining appropriate security practices on your end
  • Keeping your software and systems updated
  • Following security best practices
  1. SERVICE AVAILABILITY AND MODIFICATIONS

7.1 Service Availability

360 Technologies strives to maintain continuous availability of its platforms; however, we do not guarantee:

  • Uninterrupted service
  • Zero downtime
  • Specific performance levels
  • Particular features or functions

7.2 Service Modifications

We may modify, update, suspend, or discontinue any part of the service at any time, with or without notice, including:

  • Features and functionality
  • User interfaces
  • Pricing (for new subscriptions)
  • System architecture
  • Access methods
  • Technical specifications
  • AI models or 360x AI functionality

7.3 Scheduled Maintenance

360 Technologies may perform scheduled maintenance during hours when we provide advance notice.

7.4 No Liability for Modifications

360 Technologies is not liable for any loss or damage resulting from:

  • Service interruptions or downtime
  • Service modifications or discontinuations
  • Loss of access or data availability
  • Changes to platform features or AI capabilities
  1. THIRD-PARTY SERVICES AND INTEGRATIONS

8.1 Third-Party Providers

Our platforms may integrate with third-party services such as:

  • SMS and email providers
  • Cloud storage services
  • Identity verification tools
  • Payment processors
  • Communication platforms
  • Data analytics services
  • AI Assistant platforms (if using MCP integration)

8.2 Third-Party Liability Disclaimer

360 Technologies is not responsible for:

  • The performance or availability of third-party services
  • Their security practices or data protection
  • Their terms, policies, or compliance obligations
  • Service interruptions or data loss caused by third parties
  • Your use or misuse of third-party services

8.3 Third-Party Terms

Your use of third-party services is subject to their respective terms of service and privacy policies. You are responsible for:

  • Reviewing third-party terms before using their services
  • Complying with third-party restrictions
  • Understanding third-party data handling practices

8.4 Data Transmission to Third Parties

When you integrate 360 Products with third-party services:

  • Your Data may be transmitted to third-party systems
  • Third-party data handling practices apply
  • 360 Technologies is not responsible for third-party data use
  • You are responsible for ensuring third-party compliance with applicable law
  1. INTELLECTUAL PROPERTY

9.1 360 Technologies IP

All software, interfaces, designs, graphics, trademarks, logos, source code, and content provided by 360 Technologies are the exclusive property of 360 Technologies USA LLC.

This includes 360x AI, the 360x AI interface, and all related technology.

9.2 License Grant

360 Technologies grants you a limited, non-exclusive, non-transferable license to use the platforms solely for your own business purposes, subject to these Terms.

9.3 Restrictions

You may not:

  • Copy, modify, or create derivative works of our software
  • Distribute, transmit, or sublicense our services
  • Reverse-engineer, decompile, or attempt to discover the source code
  • Use our trademarks, logos, or brand elements without written permission
  • Remove or alter copyright notices or proprietary markings

9.4 Your Content IP

You retain ownership of all intellectual property in Your Data. By submitting Your Data, you grant 360 Technologies the limited license described in Section 5.2.

  1. PROHIBITED CONDUCT

You agree not to engage in any conduct that:

  • Violates applicable federal, state, or local laws or regulations
  • Harms the platform, 360 Technologies, or other users
  • Attempts to bypass security controls or authentication mechanisms
  • Misrepresents your identity, affiliation, or authorization
  • Abuses communication, automation, or notification features
  • Interferes with system integrity, performance, or security
  • Engages in harassment, discrimination, or abusive behavior
  • Attempts to extract or exfiltrate data beyond authorized use
  • Uses the platform for competitive intelligence or market research
  • Conducts unauthorized load testing or denial-of-service attacks
  • Attempts to reverse-engineer or extract 360x AI technology
  1. COMPLIANCE REQUIREMENTS

11.1 User Obligations

Depending on your industry and use case, you may be subject to regulatory obligations, including but not limited to:

  • HIPAA (Health Insurance Portability and Accountability Act)
  • TCPA (Telephone Consumer Protection Act)
  • GLBA (Gramm-Leach-Bliley Act)
  • FINRA/SEC (Securities Regulation)
  • PCI-DSS (Payment Card Industry Data Security Standard)
  • GDPR (General Data Protection Regulation)
  • CCPA/CPRA (California Consumer Privacy Act)
  • State and local privacy laws

11.2 Your Responsibility

You are responsible for:

  • Determining which regulations apply to your organization
  • Ensuring your use of our platforms complies with applicable law
  • Obtaining necessary consents, authorizations, and approvals
  • Implementing appropriate controls within your organization
  • Maintaining compliance documentation

11.3 360 Technologies Support

360 Technologies provides secure architecture and technical controls to support compliance, but does not assume responsibility for your regulatory obligations. You must:

  • Conduct your own compliance assessments
  • Consult with legal counsel regarding regulatory requirements
  • Implement organizational policies and controls
  • Maintain compliance records and documentation
  1. LIMITATION OF LIABILITY

12.1 Disclaimer of Liability

To the fullest extent permitted by applicable law, 360 Technologies is not liable for:

  • Indirect, incidental, special, or consequential damages
  • Loss of profits, revenue, business, or goodwill
  • Loss, corruption, or unavailability of data
  • Service interruptions, delays, or performance issues
  • Unauthorized access resulting from your actions or negligence
  • Errors or failures caused by third-party services
  • User-generated content or data
  • AI output accuracy or errors, including 360x AI output (see Section 15.6)

12.2 Limitation Cap

Except for liability related to data protection (Section 12.3), 360 Technologies’ total liability for any claim shall not exceed the lesser of:

  • The amount you paid to 360 Technologies for the applicable service in the 12 months preceding the claim, or
  • $1,000

12.3 Data Protection Liability Exception

360 Technologies remains fully liable for:

  • Breaches of data protection obligations outlined in Section 6
  • Failures to implement required encryption or access controls
  • Unauthorized disclosure of Your Data due to 360 Technologies’ negligence or willful misconduct
  • Failure to notify of security incidents as required by Section 6.4
  1. INDEMNIFICATION

13.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless 360 Technologies USA LLC, its affiliates, directors, officers, employees, and agents from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or relating to:

  • Your violation of these Terms
  • Your violation of applicable laws or regulations
  • Your use or misuse of the platforms
  • Your violation of third-party rights (intellectual property, privacy, etc.)
  • Your data or content (including infringement or misuse)
  • Regulatory non-compliance caused by your actions
  • Claims related to AI output or 360x AI-generated content
  • Any unauthorized actions using your credentials

13.2 360 Technologies Indemnification

360 Technologies agrees to indemnify you for third-party claims that the 360 Technologies platform infringes third-party intellectual property rights, provided you:

  • Notify 360 Technologies promptly of the claim
  • Allow 360 Technologies to control the defense
  • Provide reasonable cooperation
  1. HI360X AI SERVICE TERMS

14.1 AI Features and Limitations

Hi360x uses artificial intelligence to provide communications and engagement features. You acknowledge and agree that:

  • AI may produce errors, inaccuracies, or inappropriate content
  • You must review all AI-generated output before use
  • 360 Technologies makes no warranty regarding AI accuracy, completeness, or suitability

14.2 Your Responsibility

You are solely responsible for:

  • All actions taken based on AI output
  • Compliance with applicable laws (TCPA, HIPAA, FINRA/SEC, PCI-DSS, GDPR, CCPA, etc.)
  • Obtaining necessary consents from end users before using AI-generated communications
  • Human oversight and validation of all AI-generated content
  • Maintaining required compliance records

14.3 Data Storage and Governing Law

  • AI processing performed through OpenAI under BAA occurs exclusively within U.S. data centers designated for HIPAA‑aligned workloads.
  • Governed by U.S. federal law and Florida state law
  • Jurisdiction: Broward County, Florida
  • International privacy laws (GDPR, etc.) apply only through executed Data Processing Agreements

14.4 Beta Features

Features labeled “beta,” “pilot,” or “early access” are:

  • Provided “as is” with no warranty
  • May change or be discontinued without notice
  • May have limited or no support
  • Not subject to SLA or uptime guarantees

14.5 AI Liability Limitation

Our total liability for Hi360x is limited to the greater of:

  • The amount you paid in the prior 12 months, or
  • $1,000

We are not liable for:

  • AI errors, inaccuracies, or output failures
  • Lost profits, revenue, or business
  • Consequential, special, or indirect damages
  • Regulatory violations or compliance failures

14.6 Hi360x Indemnification

You agree to indemnify us against claims arising from:

  • Your use of Hi360x, including AI output
  • Regulatory non-compliance related to AI-generated communications
  • Data stored in the United States through Hi360x
  • Third-party claims related to Hi360x usage
  1. ARTIFICIAL INTELLIGENCE FEATURES: 360x AI

15.1 Overview of 360x AI

360 Technologies USA LLC processes insurance data (Protected Health Information and Personally Identifiable Information) as part of its Live 360 platform operations.

Introducing 360x AI: A new intelligent assistant built directly into Live 360, designed to help you work smarter with your data while maintaining enterprise-grade security and privacy protections.

Important Clarification on Data Protection:

360 Technologies implements enterprise-grade security practices to protect your data.

HIPAA & CMS

When customers process Protected Health Information (PHI), 360 Technologies USA LLC acts as a Business Associate under HIPAA (45 CFR 160/164) and CMS beneficiary data handling requirements.
A Business Associate Agreement (BAA) is available upon request and required for PHI‑enabled accounts.

Key Data Protection Commitments:

  • ✅ All data is encrypted in transit (TLS 1.2+) and at rest (AES-256)
  • ✅ All data remains within secure cloud infrastructure
  • ✅ Business Associate Agreement maintained with OpenAI for authorized AI processing.
  • ✅ 360x AI does not use your data for model training
  • ✅ Access controls, audit logging, and monitoring implemented
  • ✅ No data shared with unauthorized third parties
  • ✅ Regular security assessments and incident response procedures

15.2 Products and Data Processing

Live 360:

  • Insurance policy management platform for agents and agencies
  • Processes Protected Health Information (PHI) and Personally Identifiable Information (PII)
  • AI infrastructure: 360x AI (Intelligent Assistant Service)
  • Data protection: Enterprise-grade encryption and access controls
  • AI capability: Intelligent assistant for policy analysis, member communication, workflow automation

ClickSign 360:

  • Electronic document signing platform
  • Processes general business documents and PII
  • AI infrastructure: Internal AI services
  • PHI Prohibition: ClickSign 360 is not authorized to process Protected Health Information (PHI). Users must not upload, transmit, or store PHI in ClickSign 360.

Hi360x:

  • Communications and engagement platform
  • Processes communications and contact information
  • AI infrastructure: Internal AI services
  • PHI Prohibition: Hi360x is not authorized to process Protected Health Information (PHI). Users must not upload, transmit, or store PHI in Hi360x.

15.3 360x AI: How It Works

What is 360x AI?

360x AI is an intelligent assistant built directly into Live 360, powered by advanced AI technology running within secure enterprise infrastructure.

When you ask 360x AI a question about your data:

  1. Your query is transmitted securely (TLS 1.2+) to secure infrastructure
  2. 360x AI processes your query within Live 360’s secure environment
  3. 360x AI generates a response based on your data
  4. The response is returned to you securely
  5. All interactions are logged in audit trails
  6. Your data is never transmitted outside Live 360’s infrastructure

What Can 360x AI Do?

360x AI can help you:

  • Analyze and summarize member or policy information
  • Draft communications and letters
  • Identify trends and patterns in your data
  • Generate task lists and follow-up items
  • Answer questions about your business data
  • Provide insights and recommendations

What 360x AI Cannot Do:

360x AI cannot:

  • Make final underwriting or coverage decisions (requires human judgment)
  • Replace professional compliance review
  • Transmit data to external systems
  • Modify data without your explicit approval
  • Access data it shouldn’t have access to

15.4 360x AI and Data Protection

Data Processing:

  • Your data is processed exclusively within 360 Technologies USA infrastructure and OpenAI under BAA.
  • 360x AI accesses only the data necessary to answer your question
  • Responses are generated in real-time and not retained beyond the conversation
  • Conversation history is stored in your Live 360 account for your reference

Model Training:

  • Your data is NOT used to train, improve, or fine-tune 360x AI models
  • AI models are not updated based on your queries
  • 360 Technologies does not use your conversations for model development

Security:

  • Encryption in transit: TLS 1.2 or higher
  • Encryption at rest: AES-256
  • Access controls: Role-based, least privilege
  • Audit logging: All 360x AI interactions logged (6-year retention)
  • No third-party access: Your data stays within Live 360

15.5 360x AI Accuracy and Limitations

Limitations:

  • 360x AI may produce errors, inaccuracies, or incomplete responses
  • AI-generated outputs should not be used as the sole basis for important decisions
  • Human review and validation of 360x AI output is required
  • 360x AI output may not be suitable for regulatory decision-making without human oversight

Yours Responsibility:

  • Review and validate all 360x AI output before use
  • Use qualified human judgment for important decisions
  • Ensure compliance with applicable regulations
  • Maintain documentation of review and approval processes
  • Report any inaccurate or concerning outputs to 360 Technologies

15.6 External AI Services and Data Restrictions

Important: Do not transmit Your Data from 360 Products to external AI services, including:

  • ChatGPT Pro, Claude Pro, Copilot Pro, or other consumer AI services
  • MCP (Model Context Protocol) connectors to external AI systems (without authorization)
  • Third-party AI platforms or APIs without written authorization

Why: External services typically do not provide equivalent security protections, may use data for model training, and may not comply with your regulatory obligations.

360x AI vs External Services:

  • 360x AI: Secure, private, no model training, audit trail
  • External services: Variable security, potential data usage, limited transparency

Technical Controls:

  • 360 Technologies does not provide credentials for unauthorized integrations
  • API keys are issued only for authorized integrations
  • Usage is monitored for security compliance

15.7 For More Information

For detailed technical information about our security architecture, 360x AI technology, encryption methods, compliance certifications, and data protection procedures, please request our “Data Protection & Security Addendum” at info@360techusa.com.

A complete technical document is available upon request for:

  • Qualified customers and partners
  • Organizations with specific compliance requirements
  • Those conducting security assessments or audits

To Request: Contact info@360techusa.com with organization name, use case, and authorization level of requester. Confidentiality agreements (NDA) available if needed.

The Data Protection & Security Addendum includes:

  • 360x AI architecture and technical specifications
  • Infrastructure and processing details
  • Encryption and key management procedures
  • Audit logging and monitoring procedures
  • Data retention and deletion procedures
  • Compliance mappings (HIPAA, GDPR, CCPA, etc.)
  • Security certifications and assessment results
  1. External AI Integrations Prohibited
    360 Technologies USA LLC does not permit, enable, or support transmission of data to external AI assistants, external AI models, or third‑party agent platforms.
    All AI operations occur exclusively within the 360 Technologies USA AI Gateway or OpenAI under a Business Associate Agreement (BAA).
    External AI integrations, including MCP or similar protocols, are not authorized and must not be used with any 360 Technologies product.
  1. TERMINATION

17.1 Suspension or Termination

360 Technologies may suspend or terminate your access to the services if you:

  • Violate these Terms
  • Engage in harmful or illegal activity
  • Compromise platform security
  • Fail to comply with operational requirements
  • Violate regulatory compliance obligations

17.2 Effect of Termination

Upon termination:

  • Your access to the services will cease immediately
  • You may request export of Your Data within 30 days
  • After 30 days, data will be securely deleted
  • Survival Clause: Sections addressing liability, indemnification, and governing law survive termination
  1. GOVERNING LAW AND JURISDICTION

18.1 Governing Law

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law principles.

18.2 Jurisdiction

Any disputes, claims, or legal actions arising from or relating to these Terms shall be resolved exclusively in the courts located in Broward County or Palm Beach County, Florida.

You consent to the personal jurisdiction of these courts and waive any objection to venue.

18.3 Dispute Resolution

Before initiating litigation, you agree to attempt to resolve disputes through:

  • Good faith negotiation with 360 Technologies
  • Mediation if negotiation fails (cost split equally)
  • Arbitration if mediation fails (if both parties agree)
  1. CHANGES TO THESE TERMS

19.1 Updates

360 Technologies may update these Terms periodically. When changes occur:

  • We will revise the “Last Update” date at the top of this document
  • We will notify users when required by law
  • Material changes will be communicated at least thirty (30) days in advance

19.2 Acceptance

Continued use of the services after the effective date of changes constitutes your acceptance of the updated Terms.

If you do not accept the changes, you may discontinue your subscription during the notice period.

  1. CONTACT INFORMATION

For questions, concerns, or requests regarding these Terms, please contact:

360 Technologies USA LLC
📧 info@360techusa.com
🌐 https://360techusa.com/

For Security Incidents: 📧 info@360techusa.com (Subject: “SECURITY INCIDENT”)
Response Target: 24 hours

For Data Protection & Security Addendum: 📧 info@360techusa.com (Subject: “DATA PROTECTION ADDENDUM REQUEST”)
Response Target: 2 business days

For 360x AI Questions: 📧 info@360techusa.com (Subject: “360x AI INQUIRY”)
Response Target: 2 business days

  1. ADDITIONAL POLICIES

These Terms should be read in conjunction with:

  • Privacy Policy: https://360techusa.com/privacy-policy/
  • Security Information: https://360techusa.com/security/
  • CCPA/CPRA Notice: https://360techusa.com/ccpa-cpra/

In the event of conflict between these Terms and any of the above policies, these Terms shall govern.

360 Technologies USA LLC

Last Updated: August 2026