These Terms of Service (“Terms”) are a legally binding agreement between you and Raro (“Raro,” “we,” “us,” or “our”) governing your access to and use of the Raro CRM platform and related services (collectively, the “Service”).
By creating an account, accessing the Service, or clicking “I agree,” you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you are accepting these Terms on behalf of an organization, you represent that you have authority to bind that organization.
If you do not agree to these Terms, do not use the Service.
Raro CRM is a multi-tenant sales customer relationship management platform designed for life insurance representatives and teams. The Service includes lead management, click-to-call and SMS outreach tools (powered by Telnyx), KPI tracking, team dashboards, and calendar integration (Google Calendar).
We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time with reasonable notice, except where required by law or where immediate action is necessary to protect the Service or other users.
To use the Service, you must: (a) be at least 18 years old; (b) have the legal capacity to enter into binding contracts in your jurisdiction; and (c) not be prohibited from using the Service under applicable law.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at justin@tryraro.com if you suspect unauthorized access.
Each organization that signs up creates a separate workspace. All users within an organization are bound by these Terms. The manager or organization owner is responsible for ensuring that all users in their organization comply.
You agree to use the Service only for lawful purposes and in compliance with all applicable laws and regulations. Without limiting the foregoing, you expressly agree to the following:
You must not:
You retain all ownership rights to data you upload or create in the Service (“Customer Data”), including your lead and contact information.
You grant Raro a limited, non-exclusive license to store, process, and transmit Customer Data solely as necessary to provide the Service to you, including transmitting data to subprocessors identified in our Privacy Policy. We will not use Customer Data for any purpose other than delivering and improving the Service.
You represent and warrant that: (a) you have all rights necessary to upload Customer Data to the Service; (b) Customer Data does not violate any law or third-party rights; and (c) you have obtained all consents required by law with respect to the individuals whose data you upload, including any consents required for calling or texting those individuals.
Upon termination of your subscription, you may request an export of Customer Data. Customer Data is deleted within 24 months of account closure or a deletion request, per our Privacy Policy.
Raro offers subscription plans priced at $250–$300 per user seat per month (or an alternative 8% revenue share arrangement as agreed in writing). Current pricing is displayed on the billing page within the application. Prices are in USD.
Payment is processed via Stripe or, for certain customers, through a manual invoicing arrangement. By providing payment information, you authorize Raro (or its billing provider) to charge your payment method on the applicable billing cycle. All fees are non-refundable except as expressly stated herein or required by law.
Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. To cancel, contact justin@tryraro.com. Cancellation takes effect at the end of the current paid period; you will retain access until then. No partial-period refunds are provided unless otherwise agreed.
If payment fails, we will attempt to notify you and provide a reasonable cure period. If payment remains outstanding, we may suspend or terminate access to the Service.
Subscription fees are exclusive of applicable taxes. You are responsible for all taxes, duties, and similar charges arising from your purchase of the Service.
Raro and its licensors own all right, title, and interest in the Service, including all software, design, trademarks, trade names, logos, and documentation. Nothing in these Terms grants you any ownership interest in the Service.
Subject to your compliance with these Terms and timely payment of applicable fees, Raro grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during your subscription term.
If you provide feedback or suggestions about the Service, you grant Raro a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without compensation to you.
Each party agrees to keep confidential any non-public information of the other party that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and circumstances of disclosure (“Confidential Information”). Each party agrees to use Confidential Information only for the purposes of this agreement and to protect it with at least the same care used for its own confidential information, but no less than reasonable care.
This obligation does not apply to information that: (a) is or becomes publicly known through no fault of the receiving party; (b) was rightfully known before disclosure; (c) is independently developed without use of Confidential Information; or (d) must be disclosed by law, provided the receiving party gives reasonable prior notice where permitted.
The service is provided “as is” and “as available” without warranty of any kind. To the fullest extent permitted by law, Raro disclaims all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade.
Raro does not warrant that the service will be uninterrupted, error-free, or free of harmful components. You use the service at your own risk.
To the fullest extent permitted by applicable law, in no event shall Raro, its officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including loss of profits, loss of data, loss of goodwill, business interruption, or cost of substitute services, arising out of or related to your use of or inability to use the service, even if advised of the possibility of such damages.
Raro's total cumulative liability to you for any claims arising out of or related to these terms or the service shall not exceed the greater of: (a) the total fees paid by you to Raro in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred US dollars ($100).
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain damages. In such jurisdictions, Raro's liability is limited to the maximum extent permitted by applicable law.
You agree to defend, indemnify, and hold harmless Raro and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:
Either party may terminate these Terms: (a) by providing written notice if the other party materially breaches these Terms and fails to cure the breach within 30 days of written notice; or (b) immediately if the other party becomes insolvent, makes an assignment for the benefit of creditors, or is subject to bankruptcy proceedings.
Raro may also immediately suspend or terminate your access without notice if: (a) you violate Section 4 (Acceptable Use); (b) continued access poses a risk to other users or the Service; or (c) required by law or a governmental authority.
Upon termination, your license to use the Service ends immediately. Provisions that by their nature should survive termination (including Sections 5, 7, 8, 9, 10, 11, 13, and 14) will survive.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles. [Note: Raro should confirm or update this to match its actual state of incorporation and consult counsel regarding venue selection before public launch.]
Any dispute arising out of or relating to these Terms or the Service that cannot be resolved through good-faith negotiation within 30 days shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, conducted in English. The arbitration shall take place in the state identified above. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm.
Class action waiver. You agree that any arbitration or court proceeding shall be conducted only on an individual basis and not as a class, consolidated, or representative action.
Questions or notices regarding these Terms should be directed to: