LIT Insurance Technologies LLC - Last updated: October 10, 2026
These terms explain trials, subscriptions, renewals, cancellations, refunds, taxes, and account responsibility. They apply whether you use LIT-AMS on the website or in the mobile apps.
Individual Lite is free and does not authorize recurring charges. Optional Individual Plus costs $29.95 USD per month; Team costs $69.95 USD per month. Paid plans are charged at checkout and renew monthly until canceled. Applicable taxes and any prorated charge for a plan change are shown before confirmation. Canceling Individual Plus preserves the free workspace after paid access ends.
Paid plans are sold only on our website, through Stripe-hosted checkout. The LIT-AMS mobile apps are free to download, do not sell subscriptions or show prices, and creating an account in an app never creates a paid subscription or authorizes a charge. Purchases made on the website are not billed by Google or Apple, and their refund processes do not apply to them.
Individual Lite includes a public Web Profile with QR code and license documents, plus core sales, statements, reconciliation, commissions and chargeback tracking. Only the Insurance Estimator and payment reminders receive a 30-day preview measured from account creation. Lead tracking, lead integrations including WhatsApp, and ad tracking require an eligible paid plan from the start. Team supports routing to sales associates; distributing leads between insurance agents requires Enterprise. The preview does not automatically convert into a paid subscription or authorize a charge.
We reserve the right to change plan prices and fees. New prices may apply to new purchases when displayed before checkout. For an existing paid subscription, we will provide at least 30 days of advance notice by email or a prominent account notice before a price increase takes effect at a subsequent renewal, and any additional notice required by applicable law. A price increase will not change the price of a period already paid for. You may cancel before the effective renewal to avoid the new price. A free account will not become a paid subscription without your affirmative purchase authorization. A separate written enterprise agreement controls if it provides different pricing or notice terms.
Self-serve plans are billed or tracked at the account level unless a separate enterprise agreement says otherwise. Enterprise plans may be handled through a custom agreement, invoice, or sales-led onboarding process.
Plan features, limits, pricing, billing interval, trial terms, and promotional terms are shown at signup, invitation acceptance, checkout, or in account settings on the website.
If a trial or promotional offer is provided, the trial length, price, plan, and conversion terms will be shown before activation. Trial availability may vary by user, invite, company, plan, or prior use.
Unless otherwise stated, a trial provides temporary access and may end automatically if purchase or payment confirmation is not completed.
Paid subscriptions renew automatically unless canceled before the renewal date. You authorize us and our payment processor to charge the payment method on file for recurring fees, applicable taxes, plan changes, and authorized add-ons.
We will provide billing disclosures and cancellation methods designed to satisfy applicable subscription and auto-renewal requirements.
Use Billing in your account on the website to open the billing portal and manage or cancel your self-serve subscription. If you cannot access cancellation, contact support@lit-ams.com for assistance. Cancellation stops future renewals; access continues through the paid period unless otherwise stated or required by law. After paid access ends, your account moves to the free Individual Lite plan and your data is kept. Canceling a plan is different from closing your account, which is described in the Terms of Service and Privacy Policy.
Enterprise or invoiced subscriptions may be subject to the cancellation terms in the applicable order form, invoice, or written agreement.
30-day money-back guarantee. If you are not satisfied with your first paid Individual Plus or Team subscription, request a refund within 30 calendar days after your first successful payment. We will refund that initial charge in full, including applicable tax, even if you have used the service. Available once per customer or business; reactivation, additional accounts and plan changes do not restart the window. Separate plan-change charges and later renewals are not included in this guarantee.
Subscriptions are charged at checkout and renew monthly until canceled. Ordinary cancellation stops future renewals and preserves access until the end of the paid period; it does not automatically issue a refund. Outside the guarantee, used periods and partial months are generally non-refundable. We will correct duplicate, incorrect or post-effective-cancellation charges. If a material failure of the purchased service prevents its use and we cannot resolve it, we will refund the affected unprovided period. We may grant additional goodwill refunds.
Request a refund through your in-account Support Center or support@lit-ams.com with your account email and charge date; never send a full card number. We aim to respond within two business days and initiate approved refunds within five business days after approval. Refunds return to the original payment method; your bank determines when the credit appears. A request received within the window remains eligible if processed later.
When approving a guarantee refund, we will stop future renewals and confirm when paid access ends; your free account and retained data remain subject to our account and retention terms. Partial or earlier-period refunds do not automatically cancel another paid period. Open bank disputes are handled through that process to avoid duplicate reimbursement. A signed Enterprise agreement may provide different terms disclosed before payment. Nothing here limits non-waivable legal rights or applicable payment-network rights.
If a payment fails, access may be limited, suspended, or downgraded until payment is resolved. You are responsible for taxes, duties, and government charges associated with your subscription unless the law requires us to collect them directly.
Questions about these policies? Contact webmaster@lit-ams.com.
