Terms of Use

Last updated: 14/09/2026

0. PROVIDER

GuardiaCRM is provided by Panayiotis Eleftheriou (sole trader), Nicosia, Cyprus — info@guardiacrm.eu.

1. ACCEPTANCE

By creating an account or using GuardiaCRM you accept these terms. If you do not agree, do not use the service.

2. THE SERVICE

GuardiaCRM provides: (a) in the agent app, tools to manage clients, policies, payments, documents, reminders and communication; (b) in the client app, access to that person's own policies, documents, payments and communication with their agent. GuardiaCRM is an organisation tool — it is NOT an insurance company, it does not give insurance or investment advice, and it takes no part in arranging insurance contracts.

Emails to clients: on behalf of and in the name of the agent, the service can send the agent's clients emails about their policies (new policy and renewal confirmations with documents, payment receipts, signature requests, renewal reminders and, if the agent enables it, an annual review email for life policies). Emails to clients are included in the Pro and Premium plans, not in Basic.

3. ACCOUNT

You are responsible for safeguarding your credentials and for every action taken from your account. One agent account corresponds to one user. You must be over 18.

4. AGENT OBLIGATIONS

The agent declares that: they hold the required insurance intermediation licences; they have a lawful basis (e.g. consent or contract) for entering their clients' data; they use the communication channels (WhatsApp/SMS/email) in accordance with the law. For their clients' data, the agent is the Data Controller.

The agent is responsible for the accuracy of their clients' email addresses and other details, for having a lawful basis to send these emails, and for respecting any objection a client raises (the agent can mark a client as not wanting informational emails). Where the app treats life policies as paid by bank standing order, the agent remains responsible for confirming the actual payment status with the insurer.

DATA PROCESSING (ARTICLE 28 GDPR). For client data, these terms constitute the processing agreement between the agent (Controller) and us (Processor). We process client data only to provide the service and on the agent's documented instructions given through their use of the app; we ensure that anyone with access is bound by confidentiality; we apply the security measures described in the Privacy Policy; we use only the sub-processors listed in the Privacy Policy and inform agents in the app before adding or replacing one, giving them the opportunity to object; we assist the agent in responding to data subject requests; we notify the agent without undue delay after becoming aware of a personal data breach; at the end of the service we delete the data as described in the Privacy Policy, unless the law requires otherwise; and we make available the information needed to demonstrate compliance.

5. SUBSCRIPTION AND PAYMENTS

The agent app runs on a subscription through your device's app store, with a free 14-day trial. The subscription renews automatically unless cancelled in your account's subscription settings at least 24 hours before it ends. Refunds are governed by the terms of the store where the purchase was made. After cancellation the account switches to read-only mode for up to 2 months and the data is then deleted. The client app is free.

Features differ by plan (Basic, Pro, Premium) as shown in the app at the time of purchase. Introductory or promotional prices, where offered, apply under the conditions stated at the time of purchase.

6. ELECTRONIC SIGNATURES

The signing feature records the client's signature with an audit trail (date/time, account). The legal effect of an electronic signature depends on the type of document and the applicable law (eIDAS Regulation); it is the agent's responsibility to judge whether it is appropriate in each case.

7. AI FEATURES

The artificial intelligence features (document reading, suggestions, summaries, answers from the library) are ASSISTIVE and INDICATIVE. No action is carried out without the agent's explicit confirmation.

AI systems may produce inaccurate, incomplete or outdated results, even when those results look convincing. The agent must check EVERY result before accepting it, saving it, or passing it to a client.

NOT ADVICE. Nothing the app produces constitutes insurance, legal, tax or investment advice, nor an offer of cover, nor confirmation of insurance. The app is an organisation tool; it does not carry out insurance intermediation and does not replace the licensed intermediary.

8. INSURANCE COMPANY DOCUMENT LIBRARY

Where offered, the library contains third-party documents (policy wordings, guides, procedures). Those documents belong to the issuing companies and may have been amended, replaced or withdrawn without our knowledge.

Answers generated from them are machine extracts and interpretations. They do NOT replace the terms of the individual policy, which always prevail. Before making any commitment to a client, the agent must verify the information in the official, current document or directly with the insurance company.

We have no relationship of representation, partnership or endorsement with the insurance companies whose documents the agent uploads. The agent declares that they are entitled to use the documents they upload.

9. INDEMNITY

The agent releases and indemnifies us against any third-party claim — including from their clients and from insurance companies — arising from their use of the service, from information they passed on without verifying it, or from breach of their obligations as a licensed intermediary and as Data Controller.

10. ACCEPTABLE USE

The following are prohibited: unlawful use, entering data without a lawful basis, attempting unauthorised access, reselling the service, sending unsolicited messages.

11. LIMITATION OF LIABILITY

The service is provided "as is", without warranty of accuracy, completeness or fitness for a particular purpose. To the fullest extent permitted by law, we are not liable for indirect damages, loss of revenue, clients or data, nor for damages arising from failures of reminders, notifications, electronic signatures or AI features, nor for a decision taken on the basis of an AI result without verification. Nothing in these terms excludes liability that cannot lawfully be excluded (wilful misconduct, gross negligence). The agent remains solely responsible for their professional obligations (renewals, deadlines, informing clients). Our total liability is limited to the subscription amounts of the last 12 months.

12. TERMINATION

You may delete your account at any time from Settings. We reserve the right to suspend accounts that breach these terms.

13. CHANGES

We may update these terms; for material changes you will be notified inside the app. Continued use constitutes acceptance.

14. GOVERNING LAW

These terms are governed by the law of the Republic of Cyprus; the courts of Cyprus have jurisdiction. If you use the service as a consumer resident in another European Union member state, this choice does not deprive you of the protection of the mandatory provisions of the law of your country of residence.

Contact: info@guardiacrm.eu