Effective date: 2026-09-22 Last updated: 2026-09-22
These Terms of Service ("Terms") are an agreement between Capital Commission Management, LLC, a Texas limited liability company doing business as theFurnace.ai ("theFurnace," "we," "us"), and the person or business that accepts them or uses our services ("you," "your," "Client"). If you accept for a business, you confirm you have authority to bind it.
By checking the agreement box at checkout, placing an order, signing up, or using the services, you agree to these Terms, our Privacy Policy, our AI Services Agreement, and the Product Terms for any product you buy or use. The AI Services Agreement, the Privacy Policy, and each Product Terms are part of these Terms. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.
theFurnace.ai provides technology and administrative services for licensed insurance agents: an AI texting assistant (currently named "CHLOE"; we may rename or rebrand it at any time) that sends text messages to your leads in your name, answers replies, and books appointments onto your calendar, together with setup services (A2P/10DLC compliance registration in your business's name, a dedicated phone number, calendar connection, and lead file processing).
Everything the services do, they do at your direction and on your behalf. You are the seller, sender, advertiser, and initiator of every communication sent through your account, to the extent those terms apply under any law, including the Telephone Consumer Protection Act (TCPA). theFurnace supplies technology, standardized message flows, and administrative execution of your instructions; it does not decide whether any particular outreach is lawful for your facts and does not provide legal advice.
We are not an insurance carrier, agency, or licensed producer, and we do not sell insurance to consumers. All insurance advice, quotes, and sales happen between you and the consumer, under your licenses.
We also offer other products, such as our DNC + Litigator Scrub at dnc.thefurnace.ai. Each is governed by these Terms plus its own Product Terms, posted with that product (for the DNC + Litigator Scrub, the Scrub Service Terms at dnc.thefurnace.ai/terms). For that product, if its Product Terms conflict with these Terms, the Product Terms control. Sections of these Terms that describe CHLOE, messaging, leads we arrange, or appointments apply only if you use those services.
CHLOE's message flows, scripts, conversation logic, booking behavior, and features are standardized across our platform. We may add, change, remove, or update message content, flows, models, and features at any time without notice. Custom messaging or behavior changes are available solely at our discretion. By using the services you adopt and approve the message content sent in your name, including future updates to it, as your own communications.
Your "Order" is the checkout page or link you buy through, or a written or electronically signed order we both accept. Your Order sets your price, payment schedule, what's included, quantities, start date, and any special terms of your specific deal. These Terms govern everything your Order doesn't address. A special term in an Order changes only the specific point it names; the rest of these Terms still apply. Published prices may change for future purchases; no change affects an Order already accepted.
The offer types we sell (your Order states which one you bought and at what price):
Starter Pack (one time, limit one per agent). We arrange a stated number of leads for your licensed states, compliance-scrubbed. CHLOE works all of them, and setup and messaging for those leads are included. A full Starter Pack carries the Section 4 appointment guarantee.
Pilot / Bring Your Own Leads (one time, limit one per agent). You send us a lead file you already own. We set you up and CHLOE works your leads up to the count stated in your Order. Messaging and AI usage bills as you go. The Section 4 guarantee does NOT apply to the Pilot.
Subscription (recurring). CHLOE works your leads for a recurring price at the interval stated in your Order. Messaging (SMS) and AI usage bills as you go at the rates disclosed at signup, unless your Order says usage is included. Member rates and member lead pricing are as offered in your Order.
Pay As You Go. No commitment. CHLOE works the contacts you load at the per-contact rate in your Order, plus usage.
Leads we arrange come from third-party lead suppliers at member pricing. theFurnace is not the seller of lead data. When your Order includes leads, you appoint theFurnace as your purchasing agent to order them on your behalf, and you, as the buyer of record, agree to the supplier's terms of sale (for our current supplier, at bulkleads.ai/terms). Once delivered to your account, arranged leads are your lead lists for all purposes under these Terms, including Sections 7 and 8.
On a full Starter Pack we guarantee 25 or more booked appointments, or we work for free until you're there.
Except for the Section 4 guarantee, we do not promise and expressly disclaim any level of appointments, show rates, contact rates, deliverability, conversions, sales, revenue, or income. Appointment counts we publish (for example, "50-75 booked appointments per pack") are typical client results, not a promise. Results depend on your states, your follow-up, your sales ability, lead quality, carrier behavior, and market conditions. Testimonials reflect individual experiences; your results may vary. You assume all responsibility for your business performance.
You agree to:
You are solely responsible for every lead list worked through your account, wherever it came from. For any list you supply, you represent and warrant that you own or have the right to use it and that each person in it gave whatever consent applicable law requires for the outreach you are directing. For leads we arrange, you are the purchaser and user of that data and responsible for its use in your business.
As a courtesy and risk-reduction measure, we scrub lists against do-not-call and known-litigator databases before texting. Scrubbing and every other compliance-related feature of the services are convenience tools only. They may be incomplete or unavailable, they are not legal advice or a compliance certification, and they do not shift any compliance responsibility from you to us. We may decline, pause, or quarantine any list, campaign, or contact that we believe creates legal, carrier, or reputational risk, in our sole discretion, without liability or refund.
You are solely responsible for compliance with all laws, regulations, and carrier and registry requirements that apply to your outreach, including the TCPA, state telemarketing and texting laws, do-not-call rules, and CAN-SPAM. We execute standardized flows that include sender identification, opt-out honoring, and allowed texting hours, and we register your A2P brand and campaign in your business's name; none of that is a warranty of legal compliance for your facts, and we make no representation that your use of the services complies with any law.
Registration fees and carrier fees are passed through and are not refundable, whether or not a carrier or registry approves your registration. Carriers filter and block messages at their own discretion; we do not control and do not guarantee deliverability, and reduced deliverability is not a breach of these Terms or grounds for refund.
Your data is yours: your lead files, your contacts' replies, your business information, your booked appointments. The dedicated phone number we provision for your outreach is part of the service, not your property: on termination it may be released or reassigned, though we'll cooperate on a port-out where carrier rules allow and your account is paid up. Our system is ours: CHLOE, our prompts, scripts, message flows, workflows, automations, software, documentation, and processes, all of which are our confidential and proprietary intellectual property. You may not copy, duplicate, modify, recreate, reverse engineer, scrape, or disclose them, or use the services to build or help a competing service. On termination your access to our systems ends. If you give us feedback or ideas, we may use them freely without compensation or attribution.
We may reference your first name, business results, and messages you send us praising the service in our marketing. Tell us in writing any time that you want out and we'll stop and remove what we reasonably can.
We may suspend or terminate service immediately, without liability, if you fail to pay, breach these Terms, your use creates legal, carrier, or reputational risk, or you abuse our team. You may stop using the service any time; Section 9 governs billing. Sections that by their nature should survive (ownership, amounts owed, disclaimers, liability limits, indemnification, disputes) survive termination.
EXCEPT FOR THE SECTION 4 GUARANTEE, THE SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND WITH ALL FAULTS. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. We rely on third-party platforms (telecom carriers, messaging providers, CRM, AI model providers, compliance data providers, payment processors, calendar providers); we are not responsible for their outages, filtering, policy changes, or acts, and make no warranty for them.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: WE (INCLUDING OUR MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS) WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES IS LIMITED TO THE LESSER OF (A) THE FEES YOU PAID US IN THE ONE (1) MONTH BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) $1,000. These limits do not apply to your payment obligations or where the law does not allow them.
Entity only, no personal recourse. The services are provided solely by Capital Commission Management, LLC. Any claim may be brought only against the company. No member, manager, owner, officer, employee, or agent of the company has any personal liability under these Terms or in connection with the services, and you waive any claim against them individually.
You will defend, indemnify, and hold harmless theFurnace and its members, managers, owners, officers, employees, contractors, and agents from and against all claims, demands, investigations, fines, penalties, losses, judgments, settlements, and costs (including reasonable attorney fees) arising out of or relating to: your lead lists and the consent behind them; any communication sent through your account, including TCPA and telemarketing claims; your business information and registrations; AI-generated content sent or actions taken on your behalf; your violation of law or these Terms; your dealings with consumers on or after appointments; taxes on your transactions; or use of your account by anyone you allow in. We may assume the exclusive defense of any matter subject to indemnification, at your expense, and you will cooperate. These obligations survive termination.
Before filing anything, both sides agree to try to work it out directly for 30 days after written notice. If that fails, any dispute arising out of or relating to these Terms or the services will be resolved exclusively by final and binding individual arbitration under the American Arbitration Association's Commercial Arbitration Rules, in Hillsborough County, Florida (remote hearings allowed). YOU UNDERSTAND THAT WITHOUT THIS PROVISION YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.
BOTH SIDES WAIVE JURY TRIAL AND CLASS ACTIONS. Claims may be brought only in an individual capacity, never as a plaintiff or member of a class, collective, consolidated, or representative proceeding, and arbitrations may not be joined. Either side may instead use small-claims court for a qualifying individual claim, and either side may go to court solely for an injunction protecting intellectual property, confidential information, or system security. No claim may be brought more than one (1) year after the cause of action arose; later claims are permanently barred. If a dispute is found not subject to arbitration, it will be resolved exclusively in the state or federal courts in Hillsborough County, Florida, and both sides consent to their jurisdiction.
Florida law governs these Terms, without regard to conflict-of-law rules.
We may update these Terms at any time. We'll post the new version with a new date and, for material changes, notify you by email or in the service. Continuing to use the service after the effective date means you accept the update.
Checking the agreement box, placing an order, clicking buy or pay, creating an account, e-signing, or using the service counts as your signature. You consent to receive notices, records, and agreements electronically at the email on your account, and you waive any requirement for non-electronic records or original signatures.
These Terms plus your checkout disclosures, the Privacy Policy, the AI Services Agreement, and any Product Terms are the entire agreement and replace prior discussions on the same subject. If any provision is unenforceable, it will be limited to the minimum extent necessary and the rest stand. You may not assign this agreement without our written consent; we may assign it at any time, including in a sale or reorganization. No failure to enforce a right waives it. Neither side is liable for delays caused by events beyond reasonable control, except payment obligations.
Capital Commission Management, LLC d/b/a theFurnace.ai 1600 E 8th Ave, STE A200 Tampa, FL 33605 Email: support@thefurnace.ai Phone: 813-358-8389
Version 2026-09-22 · prior versions: 2026-08-15, 2026-08-28
Privacy Policy · AI Services Agreement · Scrub Service Terms