Last updated: Oct 22, 2026

1. Agreement to These Terms

These Terms of Service ("Terms") are a binding agreement between you and Whole Co Services Inc., a Delaware corporation with offices at 594 Dean Street, Floor 2, Brooklyn, NY 11238 ("Whole Co," "we," "us," or "our"). They govern your use of our website at whole.co, the Whole Co Wholesaler platform, and any related services we provide (together, the "Services").

“Privacy Policy” means Whole Co’s privacy policy governing its collection, use, and sharing of personal information.

Whole Co Services Inc. was formerly known as Semsee Corp. The change is to our legal name only. Any agreement you entered into with Semsee Corp. remains in effect with Whole Co Services Inc. on the same terms.

By accessing or using the Services, you agree to these Terms and to our Privacy Policy. If you are using the Services on behalf of a business, such as an insurance agency, you represent that you have authority to bind that business, and "you" includes that business. If you do not agree, do not use the Services.

Important: Section 12 contains a binding arbitration agreement and a class action waiver that affect how disputes are resolved.

2. Eligibility and Accounts

The Services are intended for businesses and insurance professionals, not for consumers seeking personal insurance. You must be at least 18 years old and able to form a binding contract to use them.

Some Services require an account. When you register, you agree to:

• Provide accurate, current, and complete information, and keep it up to date
• Keep your username and password confidential and not share your account with anyone else
• Notify us promptly at privacy@whole.co of any unauthorized use of your account

You are responsible for all activity under your account. We may refuse registration, or suspend or close an account, if information provided is inaccurate or if we reasonably believe the account is being misused.

3. The Wholesaler Platform

The Wholesaler platform lets licensed insurance professionals submit risks, request quotes, and complete insurance transactions. Before you may transact business through it, you must sign a separate written agreement with Whole Co, such as a producer or broker agreement (a "Platform Agreement").

If these Terms conflict with your Platform Agreement, the Platform Agreement controls the matters it covers.

While using the platform, you represent and agree that:

• You and anyone using your account hold all insurance licenses and appointments required in each state where you transact business, and you will tell us promptly if any license lapses or is suspended
• You will use the platform only for legitimate insurance business on behalf of your clients
• You are responsible for your own compliance with insurance laws, including any surplus lines diligent-effort, disclosure, and filing requirements that apply to you

4. Our Role, Quotes, and Binding

Whole Co acts as a wholesale intermediary between retail insurance professionals and insurance carriers and underwriters. We do not issue insurance policies, and we do not provide legal, tax, or coverage advice to you or your clients. Determining whether coverage meets a client's needs is your responsibility.

Indications and quotes shown through the Services depend on the information submitted and on the carrier's underwriting decisions. They are not offers of coverage and may change or be withdrawn. No coverage is bound until the carrier or its authorized representative confirms binding in writing. Policy terms are governed solely by the policy the carrier issues.

We are not responsible for a carrier's decision to decline, rate, cancel, or non-renew a risk, or for a carrier's financial condition or claims handling.

5. License and Acceptable Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes.

You agree not to:

• Copy, modify, distribute, sell, or lease any part of the Services, or reverse engineer or attempt to extract their source code
• Use bots, scrapers, or other automated means to access the Services or collect data from them, except through interfaces we provide
• Interfere with, overload, or bypass the security of the Services, or access accounts or data you are not authorized to access
• Submit false, misleading, or fraudulent information, or use the Services to misrepresent a risk to a carrier
• Upload malicious code, or use the Services in violation of any law, including insurance, privacy, anti-spam, and sanctions laws
• Use the Services to build a competing product, or resell access to them

We may monitor use of the Services to enforce these Terms and protect our users.

6. Your Submissions and Data

You grant Whole Co a non-exclusive license to use, copy, and share Submissions as needed to provide the Services, including sending them to carriers and underwriters to obtain quotes and place coverage. We may also use Submissions in de-identified or aggregated form on a perpetual, irrevocable basis to operate, improve, and develop the Services.

You represent that your Submissions are accurate and complete to the best of your knowledge, and that you have obtained any notices and consents required by law to share your clients' information with us. You are responsible for correcting inaccurate Submissions promptly.

We handle personal information in Submissions as described in our Privacy Policy and any Platform Agreement.

7. Communications and Privacy

By creating an account or giving us your contact details, you agree that we may send you electronic communications about your account and transactions. These communications satisfy any legal requirement that they be in writing. You may opt out of marketing emails at any time through the unsubscribe link, but you will continue to receive service-related messages while you have an account.

If you opt in to text messages, the text message terms in our Privacy Policy apply. Message frequency varies; message and data rates may apply, and you can reply STOP to opt out at any time. Consent to receive texts is not a condition of doing business with Whole Co.

Our Privacy Policy explains how we collect, use, and share information and is part of these Terms.

8. Intellectual Property and Feedback

The Services, including their software, design, text, graphics, logos, and the Whole Co and Wholesaler names and marks, are owned by Whole Co or its licensors and are protected by intellectual property laws. Except for the limited license in Section 5, these Terms grant you no rights in them, and we reserve all rights not expressly granted.

If you send us suggestions or feedback about the Services, we may use them for any purpose without restriction, obligation, or payment to you.

9. Third-Party Services and Fees

The Services may connect to or display information from carriers, data providers, and other third parties. We do not control and are not responsible for third-party services, content, or websites, and your use of them may be subject to their own terms.

Access to the public website is free. Commissions, fees, premium handling, and payment terms for transactions through the Wholesaler platform are governed by your Platform Agreement and the applicable binder or policy documents. If we introduce paid features, we will provide advance written notice of the option to subscribe to such features.

10. Disclaimers and Limitation of Liability

Disclaimers. THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WHOLE CO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY RATING, QUOTE, OR OTHER INFORMATION IS ACCURATE OR COMPLETE.

Limitation of liability. TO THE FULLEST EXTENT PERMITTED BY LAW, WHOLE CO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST COMMISSIONS, LOST DATA, OR LOSS OF BUSINESS, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THEIR POSSIBILITY.

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID DIRECTLY TO WHOLE CO FOR THE SERVICES IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) ONE THOUSAND U.S. DOLLARS ($1,000).

Some jurisdictions do not allow certain warranty exclusions or liability limits, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited by law, and your Platform Agreement may set different limits for transactions it covers.

11. Indemnification and Termination

Indemnification. You will defend, indemnify, and hold harmless Whole Co and its officers, directors, employees, and agents from any claims, losses, damages, and expenses, including reasonable attorneys' fees, arising from (a) your use of the Services, (b) your Submissions, including any inaccurate or misrepresented information, (c) your violation of these Terms or any law, including insurance licensing laws, or (d) your dealings with your clients. We will notify you of any such claim and may, at our option, take part in or assume control of the defense with counsel of our choosing. You may not settle any claim without our prior written consent.

Termination. You may stop using the Services at any time. We may suspend or end your access, with or without notice, if you breach these Terms, if your required licenses lapse, if required by law, or if we discontinue the Services. Ending access does not affect transactions already bound, which remain governed by the applicable policy and Platform Agreement. Sections 4 through 13 of this Agreement survive termination.

12. Disputes

Governing law. These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules, and by the Federal Arbitration Act.

Informal resolution first. Before starting arbitration, you and Whole Co agree to try to resolve any dispute informally. Send a written description of the dispute to legal@whole.co or to our mailing address. If it is not resolved within 30 days, either party may begin arbitration.

Binding arbitration. Any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, in New York County, New York, or by video conference. Judgment on the award may be entered in any court with jurisdiction. Either party may bring an individual claim in small claims court, or seek an injunction or other equitable relief in court to protect its intellectual property or to enforce Sections 5 or 6.

Class action waiver. Disputes will be resolved only on an individual basis. Neither you nor Whole Co may bring a claim as a plaintiff or class member in any class, collective, or representative proceeding.

Opt-out. You may opt out of this arbitration agreement by emailing privacy@whole.co within 30 days after you first accept these Terms. If you opt out, or if this Section is found unenforceable, disputes will be heard exclusively in the state or federal courts located in New York County, New York, and both parties consent to that jurisdiction.

13. General Terms and Contact

Changes. We may update these Terms from time to time. We will post the updated Terms on this page and change the "Last updated" date, and for material changes we will also notify you by email or through the Services at least 15 days before they take effect. Continued use after changes take effect means you accept them.

Entire agreement. These Terms, our Privacy Policy, and any Platform Agreement are the entire agreement between you and Whole Co you assign to Whole Co all rights in them, and its reasonable control.

Contact. Questions about these Terms can be sent to:

Whole Co Services Inc. (f/k/a Semsee Corp.)
Attn: Legal
594 Dean Street, Floor 2
Brooklyn, NY 11238
privacy@whole.co