Legal Disclaimer & State Disclosures
Connecticut · Massachusetts · New Jersey — Draft v0.1 (June 2026)
1. Who we are — and who we are not
agent.chat is a technology product of Coework LLC. It is a lead-intake, triage, and routing tool. agent.chat is not an insurance company, not an insurance agency, and not a licensed insurance producer, broker, or adviser in Connecticut, Massachusetts, New Jersey, or any other state, unless and until a license is obtained and displayed here. All insurance advice, coverage interpretations, quotations, binding, and policy servicing are performed exclusively by licensed insurance professionals to whom your information is routed.
[PLACEHOLDER — if Coework LLC or an affiliate obtains a producer or agency license in any state, list legal entity name, license type, license number, and NPN here, per state requirements.]
2. No coverage advice; non-binding indications
- Nothing presented by the agent.chat AI assistant constitutes insurance, legal, tax, or financial advice.
- agent.chat does not interpret policy language or determine whether a loss is covered. Coverage questions are referred to a licensed professional.
- Any premium figures, savings estimates (including bundling estimates), or "close probability" indicators shown are illustrative, non-binding indications only. Final eligibility, pricing, and terms are determined solely by the insurer through underwriting.
- Data enrichment shown during a conversation (vehicle, property, or business details) may be estimated, incomplete, or — during the beta — simulated, and should be verified with your agent.
3. How we are compensated
Coework LLC may receive fees from participating agents or agencies for delivering qualified leads. This compensation does not change the premium you pay. agent.chat is carrier-agnostic: routing decisions are based on risk-profile fit (standard vs. complex), not on compensation.
4. Contact consent (TCPA) and credit information (FCRA)
You will only be contacted if you provide your contact information and give affirmative consent under the Telephone Consumer Protection Act (TCPA), which is recorded verbatim with a timestamp. You may revoke consent at any time (e.g., by replying STOP to texts). If consumer-report information is used in connection with your application, only a soft inquiry is performed during triage, your authorization is requested first, and the Fair Credit Reporting Act (FCRA) — including Adverse Action notice rights — applies.
5. Connecticut residents
agent.chat operates in Connecticut subject to Title 38a of the Connecticut General Statutes and the regulations of the Connecticut Insurance Department. In Connecticut:
- Insurance may be solicited, negotiated, and sold in Connecticut only by persons licensed under Conn. Gen. Stat. § 38a-702 et seq. Leads captured by agent.chat are delivered to such licensed producers; agent.chat itself does not solicit, negotiate, or sell insurance.
- Connecticut consumers have rights under the Connecticut Unfair Insurance Practices Act (CUIPA, Conn. Gen. Stat. § 38a-815 et seq.) and the Connecticut Unfair Trade Practices Act (CUTPA).
- Connecticut's Data Privacy Act (CTDPA) may grant you rights to access, correct, delete, and opt out of certain processing of your personal data. Contact privacy@agent.chat to exercise these rights.
- Questions or complaints may be directed to the Connecticut Insurance Department, Consumer Affairs Division.
6. Massachusetts residents
agent.chat operates in Massachusetts subject to M.G.L. c. 175 and c. 175A and the regulations of the Massachusetts Division of Insurance. In Massachusetts:
- Only persons licensed by the Division of Insurance may act as insurance producers in the Commonwealth (M.G.L. c. 175, § 162H et seq.). agent.chat routes your inquiry to such licensed professionals and does not itself quote, bind, or sell insurance.
- Massachusetts consumers are protected by M.G.L. c. 93A (Consumer Protection Act) and M.G.L. c. 176D (Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance).
- Telemarketing contact is subject to the Massachusetts Do Not Call registry and 201 CMR telemarketing regulations in addition to the federal TCPA.
- Personal information of Massachusetts residents is safeguarded consistent with the data-security standards of 201 CMR 17.00.
- Questions or complaints may be directed to the Massachusetts Division of Insurance, Consumer Services Unit.
7. New Jersey residents
agent.chat operates in New Jersey subject to the New Jersey Insurance Producer Licensing Act (N.J.S.A. 17:22A-26 et seq.) and the regulations of the New Jersey Department of Banking and Insurance (DOBI). In New Jersey:
- Only licensed insurance producers may sell, solicit, or negotiate insurance in New Jersey. agent.chat delivers your information to such licensed producers and does not itself sell, solicit, or negotiate insurance.
- New Jersey consumers are protected by the New Jersey Consumer Fraud Act (N.J.S.A. 56:8-1 et seq.) and the Trade Practices provisions of the insurance code (N.J.S.A. 17:29B-1 et seq.).
- If your inquiry relates to regulated industries such as sports wagering, note that agent.chat provides insurance triage only and is not licensed by, affiliated with, or endorsed by the New Jersey Division of Gaming Enforcement.
- Questions or complaints may be directed to DOBI's Consumer Inquiry and Response Center.
8. Privacy
agent.chat collects only the information needed to triage and route your request, plus the compliance records (consent text, timestamp, IP address, device user-agent) required to document your consent. We do not sell your leads or your personal information. To exercise privacy rights available in your state, contact privacy@agent.chat.
9. Beta status
agent.chat is currently in beta. Conversations may use simulated data for demonstration, no real contact information is collected while the demo notice is displayed, and the service is provided "as is" without warranty of any kind during the beta period.
10. Changes to this page
We may update this page from time to time. Material changes will be reflected in the version and date shown at the top. Continued use of agent.chat after changes are posted constitutes acceptance of the updated terms, where permitted by law.
Contact: legal@agent.chat · Coework LLC