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Terms of Service

Last updated: March 14, 2026

1. Introduction and Acceptance

These Terms of Service (“Terms”) govern your access to and use of the FastFPI platform and related services provided by Heffernan QT Insurance Services LLC DBA QuieTrack Insurance Services (“FastFPI,” “we,” “us,” or “our”). By accessing or using our platform, you agree to be bound by these Terms. If you do not agree, you may not use our services.

We may update these Terms from time to time. Your continued use of the platform after any changes constitutes acceptance of the revised Terms.

2. Description of Services

FastFPI is a technology platform that enables lenders to obtain force-placed (lender-placed) hazard insurance on collateral properties when borrowers fail to maintain adequate coverage. Our platform facilitates insurance quoting, binding, policy document generation, surplus lines tax calculation, billing, and compliance documentation.

3. Account Registration

To use FastFPI, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

We reserve the right to suspend or terminate accounts that provide false information, violate these Terms, or are used for unauthorized purposes.

4. Acceptable Use

You agree not to:

  • Use the platform for any unlawful purpose or in violation of any applicable law or regulation
  • Attempt to gain unauthorized access to our systems, other user accounts, or data
  • Interfere with or disrupt the integrity or performance of the platform
  • Reverse engineer, decompile, or disassemble any aspect of the platform
  • Use automated means (bots, scrapers) to access the platform without our prior written consent
  • Submit false, misleading, or fraudulent information in insurance applications or claims

5. Insurance Disclaimer

FastFPI is a technology platform that facilitates force-placed insurance. We are not an insurance carrier or underwriter. All force-placed insurance policies obtained through our platform are underwritten by Lloyd's of London syndicates.

Our platform is not a substitute for professional insurance advice. You should consult with a licensed insurance professional or legal counsel regarding your specific insurance needs and regulatory obligations. We do not guarantee the availability, pricing, or terms of any insurance coverage.

You are responsible for complying with all applicable federal, state, and local laws governing force-placed insurance, including notice requirements, disclosure obligations, and premium pass-through rules.

6. Payment Terms

Insurance premiums, surplus lines taxes, and platform fees are billed through Stripe. Invoices are issued with net-30 payment terms. Payment methods include ACH direct debit, credit/debit card, and bank wire transfer.

You are responsible for the timely payment of all invoices. Late payments may result in suspension of your ability to bind new coverage. Premiums are typically passed through to borrowers under the terms of the applicable loan agreement.

Refunds for cancelled policies are issued on a prorated basis for the unused portion of the policy term, subject to the terms of the underlying insurance policy.

7. Intellectual Property

All content, software, designs, logos, trademarks, and other intellectual property associated with FastFPI are owned by or licensed to Heffernan QT Insurance Services LLC DBA QuieTrack Insurance Services. You may not copy, modify, distribute, or create derivative works from our intellectual property without our prior written consent.

You retain ownership of any data you submit to the platform. By submitting data, you grant us a limited license to use that data solely for the purpose of providing our services to you.

8. Limitation of Liability

To the maximum extent permitted by applicable law, FastFPI and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or related to your use of or inability to use the platform.

Our total aggregate liability for all claims arising out of or related to these Terms or the platform shall not exceed the total fees paid by you to FastFPI during the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless FastFPI and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the platform, your violation of these Terms, or your violation of any applicable law or regulation.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.

11. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the platform shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in the State of California. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property rights or confidential information.

12. Termination

Either party may terminate the use of services at any time. We may suspend or terminate your access to the platform immediately, without prior notice, if you breach these Terms, engage in fraudulent activity, or if required by law.

Upon termination, your right to use the platform ceases immediately. Provisions that by their nature should survive termination (including limitation of liability, indemnification, governing law, and dispute resolution) shall survive.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page with a revised “Last updated” date. Your continued use of the platform after any changes constitutes acceptance of the revised Terms.

14. Contact

If you have questions about these Terms of Service, please contact us:

Heffernan QT Insurance Services LLC DBA QuieTrack Insurance Services
A California LLC Licensed by the California Department of Insurance #6004499