Partner Marketplace Agreement

This is the standard agreement text currently used for LunarQuote marketplace partners. It is a preview only. The binding electronic record is created inside the approved partner's secure workspace and includes the partner's exact Commercial Schedule, signer information, timestamps and document hashes.

LUNARQUOTE PARTNER MARKETPLACE AGREEMENT

Version: 2026-09-25-v1
Effective date: September 25, 2026

This Partner Marketplace Agreement (the “Agreement”) is between Jorge Silva, operating LunarQuote (“LunarQuote,” “we,” “us,” or “our”), and the insurance business identified in the electronic signature record (“Partner”). LunarQuote and Partner are each a “Party” and together the “Parties.”

1. PURPOSE AND MARKETPLACE ROLE

LunarQuote operates a technology-enabled lead-generation and referral marketplace focused on businesses seeking information about insurance for artificial-intelligence and emerging-technology risks. LunarQuote is not an insurer, does not underwrite risk, does not bind coverage, and does not provide insurance advice, recommendations, quotes, applications, negotiations, claims handling, or policy placement unless and until a separate written arrangement expressly provides otherwise and all required licenses and authority are in place.

Partner is an independent insurance-market participant and is solely responsible for all regulated insurance activity it performs, including advice, solicitation, applications, quotations, negotiations, placement, binding, servicing, renewals, claims communications, disclosures, and compliance with carrier or wholesaler requirements.

Nothing in this Agreement creates an agency, employment, partnership, joint venture, franchise, fiduciary relationship, or authority for either Party to bind the other.

2. PARTNER ELIGIBILITY; LICENSING; AUTHORITY

Partner represents and warrants throughout the Term that:

(a) Partner and each person who performs regulated insurance activity arising from a LunarQuote referral will hold all licenses, appointments, registrations, authorizations, and carrier or market authority required for the applicable jurisdiction, product, customer, and transaction;

(b) licensing, NPN, agency, appointment, and market-access information supplied to LunarQuote is accurate, current, and not misleading;

(c) Partner will not accept or pursue a referral in a jurisdiction or line of authority where Partner is not legally authorized to act;

(d) Partner will maintain any insurance, including errors-and-omissions coverage, required by law, contract, carrier, or Partner’s normal professional standards; and

(e) Partner will promptly notify LunarQuote of any suspension, revocation, material disciplinary action, lapse, restriction, insolvency, or other event that could materially affect Partner’s ability to service referrals lawfully.

LunarQuote may pause or terminate routing while licensing or authority is being verified.

3. LEADS, MATCHING, AND ROUTING

A “Lead” is a marketplace request submitted by a prospective customer and routed, offered, previewed, or delivered to Partner under the Commercial Schedule.

LunarQuote may use administrative matching rules based on factors such as customer state, Partner licensing information, Partner appetite, product or industry focus, delivery settings, daily capacity, prepaid balance, service history, and marketplace performance. Matching is administrative only. It is not underwriting, a recommendation that a customer purchase insurance from Partner, or a representation that any customer is eligible for any policy.

LunarQuote does not guarantee any minimum lead volume, conversion rate, premium, commission, revenue, bind rate, customer quality, or exclusivity except as expressly stated in the Commercial Schedule.

Partner understands that a Lead may choose not to respond, may already be working with another insurance professional, may provide inaccurate or incomplete information, or may ultimately be ineligible for coverage.

4. COMMERCIAL SCHEDULE

The electronic signature record includes a Commercial Schedule that identifies the economic and routing terms then offered to Partner, which may include:

- delivery mode;
- billing event;
- per-lead fee;
- monthly budget;
- monthly platform fee;
- exclusive or shared distribution;
- maximum shared recipients;
- return window;
- return cap; and
- other written commercial notes.

The Commercial Schedule is incorporated into this Agreement.

The Parties intend fees under the Commercial Schedule to compensate LunarQuote for technology, marketplace access, administrative matching, and Lead delivery or acceptance as expressly stated in the schedule. Unless a separate legally compliant written arrangement expressly provides otherwise, LunarQuote fees are not a percentage of insurance premium, are not contingent on whether a policy is sold or bound, and do not compensate LunarQuote for selling, soliciting, negotiating, recommending, underwriting, or binding insurance. If applicable law in a jurisdiction prohibits or restricts a fee or routing arrangement, the affected arrangement will be suspended or modified before use in that jurisdiction.

A material change to pricing, billing event, delivery mode, lead distribution, return terms, or other commercial terms requires Partner to accept a new Commercial Schedule before those changed terms become active. LunarQuote may make non-material operational changes that do not increase Partner’s payment obligation or materially reduce Partner’s rights.

5. PREPAID CREDITS; FEES; AUTO RELOAD

Where the Commercial Schedule uses prepaid lead delivery, Partner may fund a prepaid balance through Stripe. Lead charges are deducted according to the billing event stated in the Commercial Schedule.

LunarQuote does not store full payment-card numbers or CVC values. Stripe processes payment credentials.

If Partner separately enables Auto Reload, Partner authorizes LunarQuote and Stripe to initiate unscheduled top-up charges using the saved payment method when the prepaid balance falls below Partner’s selected threshold, in Partner’s selected reload amount, subject to Partner’s selected monthly limit. Auto Reload is optional, is off by default, and may be disabled by Partner.

Partner is responsible for keeping payment information current. Failed payments, chargebacks, refunds, or disputes may result in paused lead routing, disabled Auto Reload, or account review.

Unless required by law or expressly stated in the Commercial Schedule, fees paid for valid delivered or accepted Leads are non-refundable except through the Lead Return process below.

6. LEAD RETURNS AND CREDITS

Partner may request a Lead return within the return window and subject to the monthly return cap stated in the Commercial Schedule.

A return request does not automatically create a credit. LunarQuote may review the request and supporting information to determine whether it satisfies the then-current written return criteria.

Approved paid Lead returns are credited back to Partner’s LunarQuote prepaid balance. Starter or free Leads do not create cash-value credits. Credits are marketplace credits unless otherwise required by law or expressly agreed in writing.

Fraudulent, abusive, repetitive, or bad-faith return requests may result in reduced return privileges, account review, suspension, or termination.

7. CUSTOMER CONTACT; TELEMARKETING; MARKETING COMPLIANCE

Partner may use customer information received from LunarQuote only for the purpose of responding to the customer’s insurance-related request and for lawful follow-up reasonably related to that request.

Partner is solely responsible for complying with all laws and industry rules applicable to its communications, including licensing rules, telemarketing and do-not-call requirements, text-message and calling requirements, email marketing requirements, call-recording laws, advertising rules, unfair or deceptive practices laws, and carrier or agency compliance procedures.

LunarQuote does not authorize Partner to make unlawful calls, texts, emails, prerecorded messages, artificial-voice calls, or other communications.

Partner will honor customer opt-outs and will not represent that LunarQuote, an insurer, or any other entity guarantees coverage, pricing, eligibility, or policy issuance.

8. CUSTOMER DATA; CONFIDENTIALITY; SECURITY

Customer information supplied through LunarQuote is confidential and may contain personal information.

Partner will:

(a) use Lead information only for the permitted insurance-related purpose described in this Agreement;

(b) limit access to personnel and authorized service providers who need the information for that purpose;

(c) maintain reasonable administrative, technical, and organizational safeguards;

(d) not sell, rent, publish, scrape, enrich for unrelated resale, or transfer Lead information to unrelated third parties except as reasonably necessary to place or service the customer’s insurance and as permitted by law;

(e) comply with applicable privacy and data-security laws;

(f) promptly stop using information when required by law, a valid customer request, or LunarQuote’s lawful instruction; and

(g) notify LunarQuote without unreasonable delay, and where practicable within seventy-two (72) hours, after discovering unauthorized access to or disclosure of LunarQuote-provided customer information.

Each Party will protect the other Party’s non-public business, pricing, security, customer, and technical information using at least reasonable care.

9. SERVICE STANDARDS AND STATUS UPDATES

Partner will use commercially reasonable efforts to contact Leads promptly and professionally.

Partner will accurately update referral status when the LunarQuote portal provides status controls, including Contacted, Quoted, Bound, Closed, or returned status where applicable. These statuses are operational records only and do not change policy terms or create coverage.

Partner will not knowingly submit false status information to manipulate marketplace performance metrics, billing, or routing.

10. PUBLIC DIRECTORY AND BRAND USE

If Partner opts into the LunarQuote public directory, Partner grants LunarQuote a non-exclusive, revocable, worldwide license during the Term to display Partner’s submitted business name, logo, website, approved description, licensed territories, and stated appetite for the purpose of operating and marketing the marketplace.

Partner represents that it has the right to provide those materials.

Neither Party may imply endorsement, agency, carrier appointment, or affiliation beyond the actual relationship created by this Agreement.

11. RECORDS; AUDIT TRAIL; REGULATORY COOPERATION

LunarQuote may retain records reasonably necessary to document Partner onboarding, licensing attestations, commercial terms, electronic signatures, Lead delivery, billing, credits, returns, and marketplace communications.

Each Party will reasonably cooperate with lawful regulatory, court, insurer, or law-enforcement requests relating to its own conduct, subject to applicable privilege, confidentiality, and law.

12. TERM; SUSPENSION; TERMINATION

This Agreement begins when Partner electronically signs it and continues until terminated.

Either Party may terminate this Agreement on written notice. LunarQuote may immediately suspend or terminate Partner for suspected licensing issues, misuse of customer data, nonpayment, fraud, unlawful marketing, security risk, material breach, reputational or customer-harm concerns, or conduct that could expose customers or LunarQuote to material legal or regulatory risk.

Termination stops new routing. Accrued payment obligations, approved credits, confidentiality duties, data restrictions, dispute terms, and other provisions that by their nature should survive will survive termination.

13. INDEMNIFICATION

Partner will defend, indemnify, and hold harmless LunarQuote and its operator, contractors, and service providers from third-party claims, regulatory proceedings, penalties, losses, damages, and reasonable legal costs to the extent arising from Partner’s:

(a) insurance advice, solicitation, negotiation, placement, binding, servicing, or other regulated activity;
(b) licensing, appointment, or authority failure;
(c) unlawful customer communications or marketing;
(d) misuse or unauthorized disclosure of Lead information;
(e) breach of this Agreement; or
(f) negligence, fraud, or willful misconduct.

LunarQuote will be responsible for third-party claims to the extent finally determined to have been caused by LunarQuote’s own gross negligence, fraud, or willful misconduct.

A Party seeking indemnification must provide reasonably prompt notice and cooperation. The indemnifying Party may control the defense, but may not settle a claim in a manner that admits fault by or imposes non-monetary obligations on the indemnified Party without written consent.

14. DISCLAIMERS

THE LUNARQUOTE SERVICE, LEADS, MATCHING, AND MARKETPLACE TOOLS ARE PROVIDED “AS IS” AND “AS AVAILABLE” TO THE MAXIMUM EXTENT PERMITTED BY LAW.

LUNARQUOTE DOES NOT WARRANT LEAD ACCURACY, CUSTOMER RESPONSIVENESS, INSURABILITY, PREMIUM, PLACEMENT, CONVERSION, REVENUE, OR UNINTERRUPTED AVAILABILITY.

PARTNER IS RESPONSIBLE FOR ITS OWN PROFESSIONAL JUDGMENT, DUE DILIGENCE, LICENSING, CARRIER RELATIONSHIPS, AND INSURANCE TRANSACTIONS.

15. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE TO THE OTHER FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS OR LOST BUSINESS, ARISING FROM THIS AGREEMENT.

EXCEPT FOR PAYMENT OBLIGATIONS, INDEMNIFICATION OBLIGATIONS, FRAUD, WILLFUL MISCONDUCT, BREACH OF CONFIDENTIALITY, OR MISUSE OF CUSTOMER DATA, EACH PARTY’S AGGREGATE LIABILITY ARISING FROM THIS AGREEMENT WILL NOT EXCEED THE AMOUNTS PAID OR PAYABLE BY PARTNER TO LUNARQUOTE DURING THE SIX (6) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

16. COMPLIANCE WITH LAW

Each Party will comply with laws applicable to its own activities.

Partner understands that insurance laws vary by state and transaction and that this Agreement does not grant any license, appointment, producer authority, carrier authority, or exemption from insurance regulation.

17. GOVERNING LAW; VENUE

This Agreement is governed by the laws of the State of Texas, without regard to conflict-of-law rules.

Unless applicable law requires otherwise, the Parties consent to exclusive jurisdiction and venue in the state or federal courts located in Tarrant County, Texas.

Before filing litigation, the Parties will make a good-faith effort to resolve a dispute through written notice and business-level discussion for at least fifteen (15) days, except where immediate injunctive or emergency relief is reasonably necessary.

18. NOTICES

Operational notices may be delivered through the LunarQuote partner portal or to Partner’s registered contact or delivery email.

Legal notices to LunarQuote may be sent to support@lunarquote.com. Partner is responsible for maintaining a current contact email.

Electronic notice is effective when sent, unless the sender receives a delivery-failure notice.

19. ASSIGNMENT

Partner may not assign this Agreement without LunarQuote’s written consent, except in connection with a merger, acquisition, or sale of substantially all relevant business assets where the successor assumes this Agreement and remains properly licensed.

LunarQuote may assign this Agreement in connection with a reorganization, financing, sale, or transfer of the LunarQuote business, provided the successor assumes LunarQuote’s obligations.

20. ENTIRE AGREEMENT; ORDER OF PRECEDENCE

This Agreement, the signed Commercial Schedule, and any written amendments constitute the entire agreement between the Parties regarding LunarQuote marketplace lead services and supersede prior discussions on that subject.

If there is a conflict, a later mutually signed written amendment controls, then the Commercial Schedule controls for economic and routing terms, then this Agreement controls.

Headings are for convenience only. If a provision is unenforceable, the remaining provisions remain effective to the maximum extent permitted by law.

21. ELECTRONIC RECORDS AND SIGNATURES

The Parties agree to conduct this transaction electronically.

Partner consents to receive this Agreement and related records electronically, confirms that Partner can access, download, retain, and print electronic records, and agrees that a typed name, checked acceptance box, or other electronic signing action adopted with intent to sign constitutes Partner’s electronic signature.

The Parties intend electronic records and signatures to have the same legal effect as paper records and handwritten signatures to the maximum extent permitted by applicable law.

LunarQuote will retain an electronic signature record that may include the Agreement version, signer name, title, organization, contact email, signing timestamp, agreement hash, Commercial Schedule snapshot and hash, and security/audit metadata.

Partner may print or save a copy of the signed record from the LunarQuote partner portal.

22. AUTHORITY TO SIGN

The individual signing represents that:

(a) the individual is at least eighteen (18) years old;
(b) the individual has authority to bind Partner;
(c) the individual has reviewed this Agreement and the Commercial Schedule;
(d) the information provided in the signature record is accurate; and
(e) Partner intends to be legally bound.

END OF PARTNER MARKETPLACE AGREEMENT

This standard agreement is a business contract template and does not replace legal advice. Insurance licensing, referral, telemarketing, privacy, compensation and producer rules vary by jurisdiction. LunarQuote may require updated terms as counsel, partners or regulators require.