Independent insurance agencies
Applied Epic, AMS360, HawkSoft and EZLynx data: what the agency management system terms say
On this page
The short answer
Applied Epic, AMS360, HawkSoft and EZLynx data stays the agency's under every set of published terms we read today: Vertafore says the customer exclusively owns its Customer Data, Applied's EZLynx terms make no claim of ownership in it, and HawkSoft says Client Data remains the customer's sole ownership. None of those terms forbids licensing an exported copy.
The limits are about access and time. All of them bar bots, scripts, unapproved APIs or SDK pulls, vendor AI outputs carry their own restrictions, and the window to get a copy after you cancel runs from 30 to 180 days. Your staff run the export, before notice.
Why your agency management system contract matters to a data license
For an independent agency, the AMS is the record. Account notes, activities, attachments, policies, endorsements, certificates, claims and accounting entries all live there, often for 10 to 20 years. Buyers that name insurance list exactly those record types, and at least one names Applied Epic, EZLynx, HawkSoft, AMS360 and Vertafore among the systems it works with (source: program terms, Regulr buyer directory). Each program description is a program's own published term; our buyer directory lists the programs and links to their published terms.
Owning the data is not the same as being free to pull it any way you like. AMS vendors protect their software, their APIs and their own de-identified datasets, and the terms say how records may leave. Getting this wrong is the most avoidable way for an agency data deal to fail. For the wider picture of what buyers want and who qualifies, see our insurance agency data licensing guide.
Agency management system data terms side by side
| Terms | Who owns agency data | Access limits | After you cancel |
|---|---|---|---|
| Vertafore Standard Terms (Aug 2026) | Customer exclusively owns Customer Data (§4.2) | No automated machine or robotic process (§2.4(viii)) | 30 days to request a copy; deletion may begin day 31; extraction at professional services rates (§9.6) |
| EZLynx Terms of Service (Jan 2025), covering Primary Software such as Applied Epic and EZLynx | Applied makes no claim of ownership in Customer Data (§5.3) | No integrations through tools, utilities, APIs or SDKs without written consent (§6) | Copy on request after balances and costs; deleted no later than 180 days (§12.3) |
| Applied Product Terms (May 2026) | Not addressed | No use of SDK modules to export data to third parties (§5) | Not addressed |
| HawkSoft agreement (Sep 2026) | Client Data remains the sole ownership of the Customer (§8.6) | No automated or programmatic extraction (Schedule 2, §2.5) | Final backup at no added cost if paid in full (§8.5); deletion allowed 30 days after termination (§12.5) |
Vertafore terms for AMS360, Sagitta, QQCatalyst and AgencyZoom data
Vertafore's Standard Terms are incorporated into each order a customer signs, and its terms page lists additional Solution Terms for some products, including AMS360 (source: Vertafore Standard Terms, updated August 2026 (2.4, 2.8, 4.1 to 4.3, 9.6, 15), Vertafore Solution Terms index). The August 2026 version says:
- Ownership. “Customer exclusively owns all right, title and interest in and to the Customer Data” (§4.2). Vertafore may use Customer Data to perform the agreement “and for any other lawful internal business purpose”, including developing its products, subject to confidentiality.
- De-identified data. Vertafore may compile customer information into De-Identified Data (§4.3) and exclusively owns it (§4.1). The definition requires removing personally identifiable information and the identity of any employer, insured, insurer or other entity (§15). Its terms page lists Aggregated Data terms covering PL Rating Aggregated Data, Market Basket Data and RiskMatch (source: Vertafore Solution Terms index).
- No bots. Customers may not use “an automated machine or robotic process to access or use the Vertafore Solutions” (§2.4(viii)).
- After termination. “Customer shall have thirty (30) days to request a copy of the Customer Data”; Vertafore may securely delete from the 31st day; and any extraction is performed “at Vertafore's then current rates for Professional Services”, possibly with advance payment (§9.6) (source: Vertafore Standard Terms, updated August 2026 (2.4, 2.8, 4.1 to 4.3, 9.6, 15)).
For an AMS360 data export aimed at a license, that means your staff use the reports and exports the product provides, or you order an extraction from Vertafore and pay for it. A buyer's script logging in as a user is exactly what §2.4(viii) rules out.
Applied Epic and EZLynx data terms, and the Epic Data Lake
Applied does not post its Epic master agreement. Three published documents fill in most of the picture.
EZLynx Terms of Service. Applied's terms, updated January 1, 2025, define Primary Software as Applied software that automates core agency operations, “e.g. Applied Epic, EZLynx”. They say “Applied makes no claim of ownership in or to any Customer Data” (§5.3), bar other integrations “through the use of tools, utilities, APIs, or SDKs” without Applied's prior written consent (§6), let Applied own the results when it anonymizes, aggregates or de-identifies Customer Data (§9.5), and delete Customer Data “no later than 180 days” after termination, with a copy available on request once balances and reasonable costs are paid (§12.3) (source: EZLynx Terms of Service, updated Jan 1, 2025 (5.3, 6, 9.5, 12.3)).
Applied Product Terms. The May 2026 Product Terms let a licensee run the SDK only to operate the module it came with, and bar using a module or SDK to export data, configurations, stored procedures and data views from Applied databases to any third party (§5) (source: Applied Systems Product Terms, revised May 14, 2026 (section 5)).
The Epic Data Lake. Agencies can subscribe to an Applied Data Lake that copies Epic data into a cloud repository. Applied's amended complaint against Comulate quotes the Data Lake Terms of Use as granting “a non-transferable, non-exclusive, terminable, and limited license to export Licensee Data solely from Applied Epic” to the repository “to create custom reports and analytic solutions” (para. 85) (source: Applied Systems v. PBC Consulting and Comulate, amended complaint, N.D. Ill. No. 1:25-cv-14251 (Jan 2, 2026)). That language is about reporting, not delivery to a third party, so ask Applied in writing before you treat the Data Lake as the export route for a license.
Two Applied statements on AI point different ways
Applied's AI marketing page says “Applied prohibits the use of any information to train a third-party AI model” (source: Applied Systems, artificial intelligence for agents). Its AI Features terms, last revised October 30, 2025, have the licensee “expressly” consent to Applied using Licensee Data to “improve AI Features, models, software and services” (source: Applied Systems AI Features terms, last revised Oct 30, 2025). The first reads as a statement about Applied's own practices; the second is contract language. Neither, in our reading, speaks to an agency licensing its own exported records, but your signed agreement is what governs.
HawkSoft data export and terms
HawkSoft's published terms are the most direct about agency ownership. Its agreement, revised September 16, 2026, says “Client Data remains the sole ownership of the Customer” and that HawkSoft does not claim ownership at any point (§8.6). On termination, if the account is paid in full and in good standing, the customer can obtain a final backup at no additional cost (§8.5), and HawkSoft may delete Client Data 30 days after termination (§12.5) (source: HawkSoft agreement, revised Sep 16, 2026 (8.5, 8.6, 12.5, Schedule 2)).
HawkSoft's data page says independent agencies are the owners of their agency data, and that admins can create an export “in CSV/SQL format” of the agency's data at any time. Those exports leave out attachments, which need a request to Product Support, and cannot be used to restore a HawkSoft database (source: HawkSoft, data retention and security).
The limit is in the acceptable use policy. Schedule 2, §2.5 prohibits customers, their API users and third-party service providers from accessing, querying or extracting data from HawkSoft software through “any automated or programmatic means” (source: HawkSoft agreement, revised Sep 16, 2026 (8.5, 8.6, 12.5, Schedule 2)). So the admin export is the route, not a buyer's connector. For agencies comparing HawkSoft vs Applied Epic or AMS360 on this point, HawkSoft is the only one of the three whose published materials we read that describe a self-service admin export.
The Applied Systems v. Comulate lawsuit, and what it means for agency owners
Applied Systems sued Comulate and PBC Consulting in the US District Court for the Northern District of Illinois on November 21, 2025 (No. 1:25-cv-14251). Applied alleges Comulate used a fake insurance agency to gain access to Applied Epic, reverse engineer it and misappropriate trade secrets; the amended complaint of January 2, 2026 added claims including the Computer Fraud and Abuse Act (source: Applied Systems, Applied v. Comulate case page, Applied Systems v. PBC Consulting and Comulate, amended complaint, N.D. Ill. No. 1:25-cv-14251 (Jan 2, 2026)). It alleges automated and manual crawling and scraping of the Epic UI (para. 43) and quotes the SDK schedule's bar on exporting data to third parties (para. 82) (source: Applied Systems v. PBC Consulting and Comulate, amended complaint, N.D. Ill. No. 1:25-cv-14251 (Jan 2, 2026)).
According to Applied's case page, the court granted Applied a preliminary injunction on February 11, 2026 and, on September 1, 2026, denied most of Comulate's motion to dismiss (source: Applied Systems, Applied v. Comulate case page). That page is Applied's own account of the case.
The case is about a software company, not an agency licensing its records. The lesson for owners is narrower and practical: AMS vendors watch how their systems are accessed and will enforce their terms. A data deal that keeps every buyer and vendor out of the AMS, and moves only files your staff exported, never comes near that problem.
Vendor AI clauses and the de-identified data vendors already sell
Two vendor rights affect what you can license and how buyers price it.
- AI feature outputs. Vertafore treats AI inputs and outputs as Customer Data (§2.8.1) but bars using its AI Features or any Output “to develop, train or improve any AI or machine learning models” (§2.8.3(b)) (source: Vertafore Standard Terms, updated August 2026 (2.4, 2.8, 4.1 to 4.3, 9.6, 15)). Summaries, drafted emails or fields your AMS's AI generated are usually stripped from a licensed set.
- Vendor-owned aggregate data. Vertafore owns the De-Identified Data it compiles (§4.1), Applied owns the anonymized or de-identified results it creates from EZLynx and Primary Software data (§9.5) (source: Vertafore Standard Terms, updated August 2026 (2.4, 2.8, 4.1 to 4.3, 9.6, 15), EZLynx Terms of Service, updated Jan 1, 2025 (5.3, 6, 9.5, 12.3)), and Zywave sells “millions of anonymized premium and quote records” drawn from its broker-facing platforms (source: Zywave, Market Basket). Your license cannot promise a buyer exclusivity over what a vendor already holds, so describe exclusivity as covering your exported records, not every aggregate built from them.
How to export agency management system data for a license
- Agree the scope first. Decide which record types, lines of business and years are in, and what is out, before anyone runs an export. The rules that shape the exclusions are in our guide to GLBA, NAIC Model 672 and what stays out of an agency license.
- Use native tools, run by your staff. AMS reports and exports, HawkSoft's admin export, or a paid extraction from the vendor. No buyer credentials, no scripts, no new API connections.
- Separate commercial from personal lines and benefits at the export step, so excluded material never leaves.
- Pull attachments deliberately. Many exports skip attachments; ACORD applications, market summaries and certificates often live there, and carrier documents in the same folders need sorting out.
- De-identify, then review a sample yourself. Read what is actually going out, not a summary of it.
- Time it before any cancellation or sale. Vertafore's 30-day and HawkSoft's 30-day post-termination windows are short. If a sale is coming, see our guide to selling an insurance agency and licensing records first.
When the export plan is clear, the next question is which buyers want it. See what your agency's records could qualify for, or check the factors that move price with our data value checker. Firms on other practice systems face similar questions; our guide to law firm practice management data export covers Clio and its peers.
How Regulr is paid, and how we write these pages
Regulr is a sell-side advisor. When a business we introduce signs a license, we may be paid a fee by the buyer or through a program's referral terms. We list every program we can verify whether or not it pays us, order is never set by fees, and every figure is the company's own advertised term with a link to where it says so. Regulr has not closed a data deal yet, so nothing here describes our results.
Frequently asked questions
Who owns the data in Applied Epic, the agency or Applied?
The Applied Epic master agreement is not public, so we cannot quote it. Applied's EZLynx Terms of Service, which define Primary Software to include Applied Epic and EZLynx, say Applied makes no claim of ownership in or to any Customer Data, while Applied owns the results when it anonymizes, aggregates or de-identifies that data. Your signed Epic agreement governs.
Does Vertafore own my AMS360 data?
No. Vertafore's Standard Terms, updated August 2026, say the customer exclusively owns all right, title and interest in its Customer Data. The same terms let Vertafore use Customer Data for any lawful internal business purpose and say Vertafore exclusively owns De-Identified Data it compiles from customer information, which it already offers as aggregated data products.
How do I export data from HawkSoft?
HawkSoft says admins can create an export of the agency's HawkSoft data in CSV or SQL format at any time from Agency Setup. Those exports do not include attachments, which need a request to Product Support, and they cannot be used to restore a HawkSoft database. On termination, HawkSoft provides a final backup at no added cost if the account is paid in full and in good standing.
What is the Applied Epic Data Lake, and can I use it to export data for a license?
The Data Lake is a paid Applied subscription that copies Epic data into a cloud repository. As quoted in Applied's amended complaint against Comulate, its terms of use grant a limited license to export Licensee Data from Epic to the Data Lake to create custom reports and analytic solutions. Whether that route suits an AI license is a question to put to Applied in writing before you rely on it.
Can an AI data buyer connect to my AMS through an API?
Not without the vendor's consent, under the terms we read. Vertafore bars any automated machine or robotic process, HawkSoft bars automated or programmatic extraction, EZLynx bars integrations through tools, utilities, APIs or SDKs without Applied's written consent, and Applied's Product Terms bar using its SDK to export data to third parties. Keep buyers out of the AMS and deliver an export your staff ran.
What happens to my AMS data after I cancel?
The windows are short. Vertafore gives 30 days after termination to request a copy and may begin deleting on day 31, with extraction billed at professional services rates. EZLynx provides a copy on request after balances and costs are paid and deletes no later than 180 days after termination. HawkSoft may delete 30 days after termination. Export before you give notice.
What is the Applied v. Comulate lawsuit about?
Applied Systems sued Comulate and PBC Consulting in the Northern District of Illinois in November 2025, alleging that Comulate used a fake insurance agency to gain access to Applied Epic and misappropriate trade secrets; the amended complaint added a Computer Fraud and Abuse Act claim. Applied reports a preliminary injunction in February 2026 and, on September 1, 2026, the denial of most of Comulate's motion to dismiss. For agency owners, it shows how seriously AMS vendors treat access outside the contract.
Can I license data from Vertafore or Applied AI features?
Usually not. Vertafore's terms treat AI inputs and outputs as Customer Data but bar using the AI Features or any Output to develop, train or improve AI models. Applied's AI Features terms have the customer expressly consent to Applied using Licensee Data to improve AI Features, models, software and services. AI-generated summaries and fields are usually stripped from a licensed set.
Sources
Vertafore, Applied, EZLynx, HawkSoft and Zywave pages, the Applied v. Comulate case page and the amended complaint read on their own pages or PDFs on October 18, 2026. Program terms checked October 15, 2026; our buyer directory lists the programs and links to their published terms.
- Vertafore Standard Terms, updated August 2026 (2.4, 2.8, 4.1 to 4.3, 9.6, 15)
- Vertafore Solution Terms index
- EZLynx Terms of Service, updated Jan 1, 2025 (5.3, 6, 9.5, 12.3)
- Applied Systems Product Terms, revised May 14, 2026 (section 5)
- Applied Systems AI Features terms, last revised Oct 30, 2025
- Applied Systems, artificial intelligence for agents
- Applied Systems, Applied v. Comulate case page
- Applied Systems v. PBC Consulting and Comulate, amended complaint, N.D. Ill. No. 1:25-cv-14251 (Jan 2, 2026)
- HawkSoft agreement, revised Sep 16, 2026 (8.5, 8.6, 12.5, Schedule 2)
- HawkSoft, data retention and security
- Zywave, Market Basket
- program terms, Regulr buyer directory
Brian Boesen · Founder, Regulr AI
Brian runs Regulr AI, which works for established businesses that want to license de-identified records to AI companies. He checks each program's published terms against its own pages and updates these guides when they change. Last updated October 18, 2026.
This page is general information, not legal advice, and Regulr is not a law firm. Rules vary by state, by profession and by contract, and they apply to your facts, not to a category. You approve exactly what is in scope before anything is shared.
Keep reading