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Terms of Service

Last updated: August 13, 2026

1. Agreement to These Terms

These Terms of Service ("Terms") are a binding agreement between you ("you," "your," or "Subscriber") and Thomas Mariano, a sole proprietor doing business as LapseWatch ("LapseWatch," "we," "us," or "our"), concerning your access to and use of the getlapsewatch.com website, the LapseWatch web application, and any related services, data, emails, and content (collectively, the "Services").

By accessing the Services, creating an account, or subscribing, you agree that you have read, understood, and accepted these Terms. If you do not agree, you may not use the Services.

We may modify these Terms from time to time. Where a change is material, we will notify subscribers by email or by posting a prominent notice on the Services. Your continued use of the Services after a change takes effect constitutes acceptance of the revised Terms.

2. The Services

LapseWatch is a subscription data service for commercial insurance agents in California. Each week we compile publicly available California Contractors State License Board records and deliver a filtered list of licensed contractors in the subscriber's chosen territory whose workers' compensation policy or contractor license is approaching its expiration date. Each record includes the business name, business phone number, mailing address, trade classification, current workers' compensation carrier, and expiration date. Subscribers configure their territory by county, trade, and expiration window, and receive their list by email and through a web dashboard.

The Services are provided for your internal business use only. They are not intended for personal, household, or consumer purposes.

3. Nature and Accuracy of the Data

The Services provide information compiled from public records published by California state agencies. We do not create, verify, or control the underlying records, and we make no representation that any record is complete, current, or accurate.

An expiration date shown in the Services reflects the date published in the most recent available public record. It does not indicate that any contractor is uninsured, unlicensed, out of compliance, or in violation of any law, and a renewal or update may not yet be reflected in the source records.

You are solely responsible for verifying any information before acting on it, and for ensuring that your use of the data complies with all laws applicable to you, including telemarketing, do-not-call, and insurance advertising regulations.

4. Eligibility

You must be at least 18 years old to use the Services. By using the Services, you represent and warrant that you are at least 18, that you have the legal capacity to enter into these Terms, and that you will use the Services in compliance with all applicable laws.

If you are using the Services on behalf of a business or other entity, you represent that you have authority to bind that entity to these Terms.

5. Accounts and Account Security

You must create an account to use the Services. You agree to provide accurate and complete information and to keep it current. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

You must notify us promptly at hello@getlapsewatch.com of any unauthorized use of your account or any other breach of security.

We reserve the right to suspend or terminate any account that we reasonably believe is being used in violation of these Terms.

6. Subscriptions, Billing, and Cancellation

Subscription plans. The Services are offered on a monthly subscription basis. The features, record limits, territory limits, and other entitlements associated with each plan are described on our pricing page and are enforced by the Services.

Automatic renewal. Subscriptions renew automatically each month until cancelled. By subscribing, you authorize us and our payment processor to charge your payment method on a recurring monthly basis at the then-current rate for your plan, together with any applicable taxes, until you cancel.

Payment. We accept Visa, Mastercard, American Express, and Discover, along with other payment methods supported by our payment processor. All amounts are stated and charged in United States dollars. Payment processing is handled by Stripe; we do not collect, receive, or store your full payment card details.

Price changes. We may change subscription pricing. Any change will apply to billing periods beginning after we give you notice, and we will provide reasonable advance notice by email before a price change takes effect.

Cancellation. You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period, and you will retain access to the Services through the end of that period.

No refunds. All payments are non-refundable. We do not provide refunds or credits for partial billing periods, unused portions of a subscription, or periods during which you did not use the Services. This does not limit any right to a refund that cannot be waived under applicable law.

Failed payments. If a payment fails, we may suspend or terminate your access to the Services until payment is successfully processed.

7. Intellectual Property

The Services, including the website, application, compilations, layouts, selection and arrangement of data, software, text, graphics, logos, and design elements, are owned by or licensed to us and are protected by intellectual property laws. The LapseWatch name and mark are our property.

The underlying public records are not owned by us. However, our compilation, filtering, enrichment, formatting, and presentation of those records constitute protectable work.

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services and to use the data provided through the Services for your own internal business prospecting during the term of your subscription. No other rights are granted.

8. Prohibited Activities

You may not use the Services for any purpose other than that for which we make them available. Specifically, you agree not to:

  • Resell, redistribute, sublicense, publish, or otherwise make available to any third party the lead records, lists, exports, or data provided through the Services, whether in original or modified form. Subscribers may use the data only for their own internal business prospecting.
  • Access the Services through automated means, including scraping, crawling, or bots, or attempt to bulk-extract data beyond the export functionality provided by your subscription tier.
  • Share account credentials or allow any person outside your organization to access the Services under your subscription.
  • Sell or otherwise transfer your account or profile to another party.
  • Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that limit use or copying of content or that enforce subscription tier limits.
  • Attempt to gain unauthorized access to the Services, other accounts, or any systems or networks connected to the Services.
  • Use the Services in any way that violates any applicable law or regulation, including telemarketing, do-not-call, anti-spam, and insurance advertising rules.
  • Upload or transmit any viruses, malware, or other material that interferes with the operation of the Services.
  • Use the Services to harass, abuse, defame, or harm any person or business, including any contractor whose records appear in the Services.
  • Reverse engineer, decompile, or disassemble any part of the Services, except to the extent that restriction is prohibited by law.
  • Make any unauthorized use of the Services, including collecting usernames or email addresses of other users, or using the Services to compete with us.
  • Misrepresent your identity or affiliation, or impersonate another person or entity.

9. Third-Party Websites and Content

The Services may contain links to websites or resources operated by third parties, including state agency websites and our service providers. We do not control and are not responsible for the availability, accuracy, or content of those websites, and inclusion of a link does not imply endorsement. Your access to and use of third-party websites is at your own risk and subject to their own terms and policies.

10. Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand how we collect, use, and share information.

11. Term and Termination

These Terms remain in effect for as long as you use the Services.

You may terminate at any time by cancelling your subscription and, if you wish, requesting deletion of your account by contacting us.

We may suspend or terminate your access to the Services at any time, without notice or liability, if we reasonably believe you have breached these Terms or applicable law, or if we discontinue the Services.

Upon termination, your right to access the Services ceases immediately. Sections concerning intellectual property, prohibited activities, disclaimers, limitation of liability, dispute resolution, and any other provisions that by their nature should survive, will survive termination.

12. Modifications to the Services

We reserve the right to modify, suspend, or discontinue all or any part of the Services at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Services. We do not guarantee that the Services will be available at all times, and we may experience interruptions for maintenance, updates, or reasons outside our control.

13. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DATA PROVIDED THROUGH THE SERVICES IS ACCURATE, COMPLETE, OR CURRENT. WE MAKE NO WARRANTY REGARDING ANY BUSINESS RESULTS, LEADS, POLICIES BOUND, OR REVENUE THAT MAY OR MAY NOT RESULT FROM YOUR USE OF THE SERVICES.

YOU ASSUME ALL RISK ARISING FROM YOUR USE OF THE SERVICES AND YOUR RELIANCE ON ANY DATA PROVIDED THROUGH THEM.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, OR LOSS OF DATA, ARISING FROM OR RELATING TO YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO US DURING THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the greatest extent permitted by law.

15. Indemnification

You agree to defend, indemnify, and hold us harmless from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees, made by any third party arising from or relating to your use of the Services, your breach of these Terms, your violation of any law, or your use of any data obtained through the Services, including any claim arising from your contact with any contractor or business whose records appear in the Services.

16. Dispute Resolution

Informal negotiations. To expedite resolution and control costs, you and we agree to attempt to resolve any dispute, controversy, or claim arising out of or relating to these Terms or the Services (each, a "Dispute") informally for at least thirty (30) days before initiating arbitration. Informal negotiations begin upon written notice from one party to the other.

Binding arbitration. If a Dispute is not resolved through informal negotiations, it will be finally and exclusively resolved by binding arbitration administered in Palm Beach County, Florida, United States, in accordance with the rules of a recognized arbitration provider. The arbitrator's award will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Arbitration fees. If the arbitration fees and costs are determined to be excessive in relation to the value of the Dispute, we will pay as much of those fees and costs as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive.

Exceptions. The following are not subject to arbitration: disputes seeking to enforce or protect intellectual property rights; claims of theft, piracy, invasion of privacy, or unauthorized use; and claims that may be brought in small claims court.

No class actions. To the fullest extent permitted by law, any proceeding will be conducted only on an individual basis, and not as a class, consolidated, or representative action.

Litigation venue. If a Dispute proceeds in court rather than arbitration, you and we agree that it will be brought exclusively in the state or federal courts located in Palm Beach County, Florida, and you consent to personal jurisdiction and venue there.

Time limit. To the fullest extent permitted by law, any cause of action or claim you may have arising out of or relating to these Terms or the Services must be commenced within one (1) year after the cause of action accrues, or it will be permanently barred.

17. Governing Law

These Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

18. General Provisions

Entire agreement. These Terms, together with the Privacy Policy and any policies posted on the Services, constitute the entire agreement between you and us regarding the Services and supersede all prior agreements.

Severability. If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be severed and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms will not operate as a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

No agency. No joint venture, partnership, employment, or agency relationship is created between you and us as a result of these Terms or your use of the Services.

Electronic communications. By using the Services, you consent to receive communications from us electronically, and you agree that electronic notices, agreements, and records satisfy any legal requirement that such communications be in writing.

19. Contact

For questions about these Terms, or to give us notice under them, contact us at:

Thomas Mariano (d/b/a LapseWatch)
300 Avenue of Champions, Unit 230
Palm Beach Gardens, FL 33418
United States
hello@getlapsewatch.com
https://getlapsewatch.com/contact

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