Effective October 9, 2026
These terms govern use of DarkHorse AMS and darkhorseams.com, provided by Dark Horse Entities (“DarkHorse”, “we”, “us”). An Agency's signed service agreement with us, if any, controls where it differs from these terms. By using the service you agree to these terms on behalf of yourself and the Agency you work for.
The service
DarkHorse AMS is agency management software for insurance agencies, including client and policy records, quoting tools, commissions, document handling, email and campaign features, and optional integrations. We may improve and change features over time; we will not materially reduce the core service during a paid term without notice.
Accounts
The Agency is responsible for who it gives access to, for keeping logins secure, and for everything done under its accounts. Tell us promptly at [email protected] if you suspect unauthorized access.
Agency data
The Agency owns the data it puts into DarkHorse AMS. The Agency grants us the rights needed to host, process and transmit that data to provide and support the service, as described in our Privacy Policy. The Agency is responsible for having the right to use the data it enters, for the consents its communications require (including email and text-message marketing rules), and for its own regulatory obligations as an insurance agency.
Acceptable use
- No unlawful, fraudulent or deceptive use, and no spam or messages sent without the consent the law requires.
- No attempts to break, probe or overload the service, or to access other customers' data.
- No reselling or copying of the software except as we agree in writing.
Third-party services
Integrations such as Microsoft 365, carriers and rating services are provided by their owners under their own terms. We are not responsible for third-party services, their availability or their changes, though we will work to keep our integrations running.
Fees
Fees, billing and payment terms are set out on our pricing page or in the Agency's service agreement. If payment fails and is not resolved after notice, we may suspend access until it is.
Disclaimers
The service is provided “as is” and “as available”. Quotes, rates, appetite and other information from carriers and third parties are provided for the Agency's convenience; the Agency remains responsible for confirming coverage, eligibility and pricing with the carrier and for its advice to clients. To the extent the law allows, we disclaim all implied warranties, including merchantability and fitness for a particular purpose.
Limitation of liability
To the extent the law allows, neither party is liable for indirect, incidental, special or consequential damages, or lost profits. Our total liability for any claim is limited to the fees the Agency paid us in the twelve months before the claim.
Ending service
An Agency may stop using the service under the terms of its agreement. We may suspend or end access for serious or repeated breach of these terms. When service ends we will make the Agency's data available for export for a reasonable period before deleting it.
Governing law
These terms are governed by the laws of the Commonwealth of Kentucky, and disputes will be handled in the state or federal courts located in Fayette County, Kentucky.
Changes
We may update these terms. If we make material changes, we will update the date above and notify customers.
Contact
Dark Horse Entities
525 Darby Creek Rd, Ste 29, Lexington, KY 40509
[email protected]
See DarkHorse AMS running
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