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Terms and Conditions

Last updated: March 2026

1. Use of Our Services

By accessing or using the services provided by Strategic AI Architects ("SAA," "we," "our," or "us"), a brand of The Affordable AI LLC, you ("Client," "you," or "your") agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services. These terms constitute a legally binding agreement between you and Strategic AI Architects.

2. SMS Communications

By providing your phone number and opting in to receive SMS messages from Strategic AI Architects, you consent to receive text messages related to our services, including but not limited to appointment reminders, service updates, and promotional messages.

  • You may opt out of SMS communications at any time by replying STOP to any message.
  • For help, reply HELP to any message or contact us at helpdesk@affordablecare.ai.
  • Message and data rates may apply depending on your mobile carrier and plan.
  • Message frequency varies based on your interactions with our services.
  • Carriers are not liable for delayed or undelivered messages.

3. Age Restriction

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

4. Services Description

Strategic AI Architects provides AI-powered solutions and technology services specifically designed for insurance agencies, including but not limited to:

  • AI power dialers and outbound calling systems
  • AI receptionists and inbound call handling
  • Mass conversational SMS and email campaigns
  • CRM development and customization
  • Third-party software integrations
  • Dedicated technology team services
  • HIPAA-compliant communication solutions

5. Service Agreements

Individual projects and ongoing services are governed by separate service agreements, statements of work, or proposals that outline the specific scope, timeline, deliverables, and pricing for each engagement. In the event of a conflict between these Terms and Conditions and a specific service agreement, the service agreement shall prevail.

6. Payment Terms

All fees are as stated in the applicable service agreement or proposal. Unless otherwise specified:

  • Monthly retainer fees are due on the first of each month and are billed in advance.
  • Project-based fees are billed according to the milestone schedule outlined in the service agreement.
  • All payments are in US Dollars (USD).
  • Late payments may incur a fee of 1.5% per month on the outstanding balance.
  • We reserve the right to suspend services for accounts with payments overdue by more than 15 days.

7. Client Responsibilities

To ensure successful delivery of our services, you agree to:

  • Provide accurate and complete information as requested.
  • Grant necessary access to systems, accounts, and platforms required for service delivery.
  • Respond to communications and requests in a timely manner (within 2 business days unless otherwise agreed).
  • Ensure you have the legal rights and permissions for all content, data, and materials provided to us.
  • Comply with all applicable laws, regulations, and industry standards, including but not limited to TCPA, CAN-SPAM, and state insurance regulations.

8. Intellectual Property

  • Client Property: You retain all rights to your data, content, brand assets, and pre-existing intellectual property provided to us during the engagement.
  • SAA Property: We retain all rights to our proprietary systems, frameworks, methodologies, templates, and tools developed independently of client engagements.
  • Custom Work: Custom work product created specifically for you (e.g., custom CRM configurations, custom AI workflows, custom integrations) becomes your property upon full payment of all associated fees.

9. Confidentiality

Both parties agree to keep confidential all proprietary information, trade secrets, business strategies, client data, and technical information shared during the course of the engagement. This obligation survives the termination of the agreement and remains in effect indefinitely for trade secrets and for a period of three (3) years for other confidential information.

10. HIPAA Compliance

For services involving protected health information (PHI):

  • A separate Business Associate Agreement (BAA) will be executed prior to any handling of PHI.
  • Additional security measures and protocols will be implemented as required by HIPAA regulations.
  • Both parties agree to promptly report any suspected security incidents or data breaches.
  • All systems handling PHI will maintain appropriate administrative, physical, and technical safeguards.

11. Limitation of Liability

To the maximum extent permitted by law, Strategic AI Architects shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities, arising out of or related to the use of our services. Our total liability for any claim arising under these terms shall not exceed the total amount paid by you to SAA in the twelve (12) months preceding the claim.

12. Warranties and Disclaimers

We strive to deliver exceptional results, but please understand:

  • We do not guarantee specific results, revenue increases, lead volumes, or conversion rates.
  • Results depend on many factors beyond our control, including market conditions, your team's execution, and your existing business operations.
  • Our services are provided on an "as is" and "as available" basis.
  • We disclaim all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.

13. Termination

  • By Either Party: Either party may terminate the agreement with 30 days' written notice.
  • For Breach: Either party may terminate immediately if the other party commits a material breach and fails to cure it within 14 days of written notice.
  • Upon Termination: All outstanding fees become immediately due and payable. We will provide reasonable assistance to transition your data and services, with a transition period of up to 30 days.

14. Dispute Resolution

Any disputes arising under these terms shall be resolved as follows:

  1. Negotiation: The parties shall first attempt to resolve the dispute through good-faith negotiation within 30 days.
  2. Mediation: If negotiation fails, the parties agree to participate in non-binding mediation.
  3. Arbitration: If mediation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

These terms are governed by and construed in accordance with the laws of the United States.

15. Modifications

We reserve the right to modify these Terms and Conditions at any time. Changes will be communicated via email and/or posted on our website. Continued use of our services after such modifications constitutes your acceptance of the updated terms. Material changes will be accompanied by at least 30 days' notice.

16. Customer Support

For questions, concerns, or support related to our services, please contact us at:

Company: Strategic AI Architects / The Affordable AI LLC

Email: helpdesk@affordablecare.ai

17. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which can be found at /privacy-policy/. By using our services, you acknowledge that you have read and understood our Privacy Policy.