Company
Licenses
Insurance Licenses
Warp Insurance Services LLC
NPN: 22074328
Last updated January 1, 2026
This Employer Terms of Service ("Agreement" or "Terms") is a legally binding contract between Employer (as defined below) and Poaster Technologies, Inc., including its subsidiaries and affiliates ("Warp," "Company," "we," "us," or "our"). This Agreement governs Employer's access to and use of Warp's workforce management platform, applications, websites, software, and related support services (the "Platform"), through which Warp provides various products and services (the "Services").
"Employer" refers to the business entity, organization, or company on whose behalf this Agreement is accepted. If you are accepting this Agreement as an agent or authorized representative of Employer, you represent and warrant that you have the authority to bind Employer to these Terms.
By accessing or using the Platform or any Services, Employer agrees to be bound by these Terms, any applicable supplemental terms, Warp's Acceptable Use Policy, and Warp's Privacy Policy. For employees, contractors, or other personnel of Employer ("Members") granted access to the Platform, the Member Terms of Service govern their individual use.
This Agreement contains a mandatory arbitration provision (see Section 13) requiring all disputes between Employer and Warp to be resolved exclusively through final and binding arbitration. By accepting these Terms, Employer waives the right to a jury trial, the right to participate in any class or representative action, and the right to litigate disputes in court.
Access to Services requires establishing an employer account ("Employer Account"), which is owned exclusively by Employer and contains proprietary information including payroll data and business expenses. Employer must designate at least one authorized administrator ("Administrator") to manage the Employer Account. Each Administrator accesses the account through a designated profile with unique login credentials and must maintain strict confidentiality of all security credentials.
Employer may designate third-party professionals (including accountants and bookkeepers) as administrators ("Professional Administrators"). By designating a Professional Administrator, Employer explicitly authorizes such individual or entity to act as Employer's authorized representative on the Platform, including providing information regarding the Employer Account, banking information, and payment matters.
Based on assigned permissions, Administrators may be authorized to input and modify information, process and approve payroll, enroll in Services, accept additional terms on Employer's behalf, and perform other account-related functions. Employer shall regularly review Administrator access, ensure only authorized individuals maintain account access, and ensure all Administrators comply with these Terms.
Employer assumes full responsibility for the security of all account credentials, protection of information accessible through the Employer Account, compliance with security protocols, and implementation of appropriate security measures. Employer bears full responsibility for all actions and transactions executed through the Employer Account, regardless of Employer's knowledge or explicit authorization.
Employer accepts all risks associated with unauthorized access. If Employer suspects any compromise to the Employer Account or credentials, Employer must immediately notify Warp. Warp reserves the right to suspend the Employer Account without prior notice upon reasonable suspicion of compromise. Employer is strictly prohibited from granting access to or sharing credentials with any third party that attempts to harvest or scrape information from the Platform, is a competitor of Warp, seeks to reverse engineer the Platform, or attempts to harm Warp's business interests.
In accordance with federal laws designed to combat terrorism financing and money laundering, Warp is required to obtain, verify, record, and monitor identifying information for Employer's business entity, authorized Administrators, and designated responsible party.
Employer must maintain compliance with all applicable tax and financial regulations, including:
During onboarding and periodically thereafter, Warp will require Employer to provide identifying information including full legal name and entity details, physical address, date of birth for relevant individuals, taxpayer identification number, business entity ownership documentation, and other information necessary for verification. Warp may also require government-issued identification documents such as passports or driver's licenses.
Employer must link at least one United States-based bank account to facilitate payment processing and Service Fee collection, unless otherwise authorized by Warp in writing. Employer represents and warrants that it has proper authority to share all identification and banking information, that all provided information is truthful, current, accurate, and complete, and that information is not being submitted on behalf of any third party.
Warp maintains comprehensive account controls in compliance with the Bank Secrecy Act, FinCEN's Customer Due Diligence Rule, and Warp's internal KYC program. Warp prohibits the provision of Services to businesses operating in certain high-risk industries, including but not limited to: adult entertainment, cannabis-related businesses, cryptocurrency, multi-level marketing, gambling, firearms manufacturing or sales, tobacco or vaping, alternative financial services, political campaigns, debt collection, precious metals dealers, and affiliate marketing-based businesses.
As required by OFAC regulations, Warp reserves the right to place a hold on Employer's funds or terminate this Agreement immediately without notice if Employer or any Administrator is designated as a Specially Designated National, falls within the scope of any country-based sanctions program, or attempts to transmit funds to a sanctioned country or recipient.
Warp reserves the right to immediately terminate this Agreement and suspend all Services if Employer provides false, misleading, or fraudulent information at any time. Failure to provide requested information in a timely manner may result in Service interruption or immediate termination without notice.
"Employer Data" encompasses all content and information uploaded through the Platform, including files, employment documents, messages, and personal information about Members or Administrators. Employer bears sole responsibility for ensuring all collection and processing of Employer Data complies with applicable laws, and represents that it has obtained all necessary rights, consents, and authorizations to make such data available on the Platform.
Employer may manage Employer Data through various Platform functions, including enabling or disabling integrations, managing permissions, and granting access rights. As a financial institution, Warp must comply with state and federal data retention requirements, and certain Employer Data may not be eligible for removal. Warp assumes no responsibility for the removal, deletion, or preservation of Employer Data.
All Employer Data transmitted to or processed through the Platform will be handled in accordance with Warp's Privacy Policy, which is incorporated into this Agreement by reference. Employer agrees to:
Warp maintains comprehensive security controls and industry-standard security measures but no system is completely secure. In the event of a security incident affecting Employer Data, Warp will provide notification in accordance with applicable law.
Employer shall comply with all Platform and Service-related instructions provided by Warp and furnish accurate and complete information necessary for Warp's performance of the Services in a timely manner. Warp's provision of Services is contingent upon information provided by Employer, including Employer Data, tax information, payroll information, benefits information, and employment information.
Warp is entitled to rely on all information provided by Employer without independent verification or correction obligations. Employer assumes sole responsibility for any liability arising from failure to correct or update such information, and must promptly verify the accuracy of any Warp-generated content based on Employer-provided information.
Employer shall promptly notify Warp of any third-party notices (including communications from the IRS, government agencies, or insurance carriers) that may affect Warp's ability to provide Services or increase the likelihood of a claim against either party.
Employer agrees to pay all fees as specified in Warp's published pricing schedule or as otherwise agreed upon, including fees for exceptions processing, setup, special services, and optional add-ons (collectively, "Service Fees"). Service Fees accrue for any full or partial calendar month of enrollment, regardless of actual Service usage.
Service Fees are non-refundable unless explicitly stated otherwise. Warp reserves the right to modify Service Fees upon thirty (30) days' advance notice. Continued use of the Platform following such modification constitutes acceptance of the changed fees.
In the event of payment default or unauthorized payment reversals, Warp may:
Prior to deactivation, Warp will provide notice of default to Employer's designated contact. Deactivation does not relieve Employer of the obligation to pay any outstanding amounts. Employer may authorize a Professional Administrator to pay Service Fees on Employer's behalf, which creates joint and several liability for unpaid fees.
Warp may offer various discounts and promotional pricing on Services in accordance with our Incentive Campaign Terms. Certain insurance products and services may be provided through Warp's affiliated entities. Employer is not required to purchase any insurance products from Warp or its affiliates to receive non-insurance Services or to qualify for any promotions or discounts.
Warp offers three service tiers: Basic, Pro, and Premium. Employer may switch between plans subject to the following:
Employer may also enroll in or remove individual Services separate from Service Plans, unless otherwise specified in applicable Additional Terms. New enrollments take effect immediately; removed Services remain accessible through the end of the current calendar month.
Warp and its licensors maintain exclusive ownership of the Platform, Services, and all content therein (excluding Employer Data and third-party services), including all modifications, enhancements, and updates, and all intellectual property rights related thereto (copyrights, trademarks, trade secrets, and patents, whether registered or unregistered).
This Agreement grants Employer no rights except those expressly stated herein. Employer is specifically prohibited from:
Any feedback, suggestions, or recommendations provided by Employer are given voluntarily. Employer grants Warp an unlimited, irrevocable, perpetual, sublicensable, transferable, royalty-free license to use such feedback without obligation, compensation, or restriction.
Through use of the Platform, Employer may gain access to confidential and proprietary information of Warp, including software architecture, algorithms, business processes, pricing methodologies, customer lists, and trade secrets ("Warp Confidential Information"). Employer agrees to maintain strict confidentiality, not disclose Warp Confidential Information to any third party, not use it for any purpose other than authorized use of the Platform, and return or destroy all such information upon termination. These confidentiality obligations survive termination for five (5) years and are enforceable through injunctive relief without the need to post bond or prove monetary damages.
Warp grants Employer a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access, use, and view the Employer-facing components of the Platform and Services solely as necessary for intended use and in accordance with this Agreement.
Use of the Platform and Services is at Employer's sole risk. Unless explicitly stated in applicable Additional Terms, the Platform, Services, and all content are for informational purposes only. No content constitutes legal, regulatory, tax, financial, accounting, employment, or other professional advice, and customer support communications should not be construed as professional guidance.
Employer bears sole responsibility for ensuring compliance with applicable laws and regulations, seeking appropriate professional counsel when needed, and making informed decisions independent of Platform content. Warp makes no guarantees regarding specific outcomes from Platform usage, results of implementing any recommendations, or success of any particular business strategy. Professional consultation with qualified advisors is strongly recommended.
Employer may terminate the Employer Account at any time through the Platform. Service Fees will not be prorated, and accounts terminated mid-month will incur full monthly charges for all active Services. Employer remains solely responsible for compliance with all applicable wage and hour, taxation, and employment regulations following termination.
Warp may terminate or suspend Services immediately and without prior notice if:
"Competitor" means any entity that provides or develops payroll processing, HR management, workforce management, benefits administration, or related financial services software. Warp reserves the right to monitor account usage patterns and implement additional security measures for accounts associated with competitive entities.
Upon termination, all access rights to subscribed Services automatically terminate. The Employer Account becomes available in a limited, read-only capacity subject to Agreement compliance. Warp bears no liability for costs, losses, damages, or expenses arising from termination.
Following standard cancellation, Employer Data will be retained for thirty (30) days. If Employer opts for continued tax services, data will be retained until four (4) months after the new calendar year. Upon termination, responsibility for quarterly and end-of-year tax filings (including W-2 issuance) transfers to Employer's new provider. Should Employer elect to have Warp continue managing tax obligations for the remainder of the calendar year, the following fees apply:
The following provisions survive termination: payment obligations, privacy rights and obligations, anti-money laundering compliance, use restrictions, indemnity obligations, warranty disclaimers, and liability limitations.
To the fullest extent permitted by applicable law, the Platform, Services, and all Warp content are provided "as is" and "as available," without warranty of any kind. Warp disclaims all warranties, express or implied, including warranties of fitness for a particular purpose, merchantability, data loss, and non-infringement. Warp makes no warranties regarding the accuracy, reliability, timeliness, completeness, or quality of the Services or any information or content.
Warp does not warrant that the Platform or Services will meet Employer's expectations, be completely secure or free from errors, bugs, viruses, or other harmful components, or be free from interruption, theft, or destruction. Warp makes no representations regarding Platform uptime, availability, or geographical permissibility. Platform access may be interrupted during scheduled or emergency maintenance, and third-party provider changes may affect access. No oral or written information from Warp representatives shall create additional warranties or expand existing ones.
Employer agrees to indemnify and hold harmless Warp and its officers, directors, employees, successors, assigns, representatives, subsidiaries, affiliates, and agents (the "Indemnified Parties") from and against any losses, damages, expenses, claims, actions, disputes, suits, proceedings, and demands (including reasonable legal and accounting fees), regardless of merit, arising from:
Employer acknowledges and agrees that Warp shall not be liable for any damages, losses, or liabilities arising directly or indirectly from: Employer Data or reliance thereon, resulting errors (as defined below), Employer's failure to provide necessary information, Employer's non-compliance with applicable laws, unauthorized account access, negligent acts or omissions by Employer or Members, claims that could have been reasonably mitigated, actions taken at Employer's request, non-compliance with Warp's instructions, or use or inability to use the Platform.
To the maximum extent permitted by applicable law, Warp and all parties involved in the creation, production, or delivery of the Platform, Services, or content disclaim liability for any and all incidental, special, exemplary, or consequential damages, including lost profits, data loss, goodwill diminution, service disruption, computer impairment, system failure, and costs of substitute services, whether arising from warranty, contract, tort (including negligence), product liability, or any other legal theory, even if Warp has been advised of potential damages.
Warp's maximum aggregate liability for any claims arising from or relating to this Agreement or the use of the Platform shall not exceed the total amounts paid by Employer to Warp in the six (6) months immediately preceding the event giving rise to such claim.
"Resulting Errors" means any inaccuracies, delays, penalties, or liabilities arising from incomplete, inaccurate, or untimely Employer Data, Employer's failure to implement Warp-provided corrections, or Employer's contravention of applicable law or these Terms. Warp shall not be liable for Resulting Errors.
All disputes, claims, or controversies arising out of or relating to this Agreement, the Platform, or Services shall be resolved exclusively through final and binding arbitration, and not through litigation in any court.
By entering into this Agreement, Employer expressly and irrevocably waives, to the fullest extent permitted by applicable law:
Any dispute must be raised within six (6) months of the date the cause of action accrues, after which such claims are forever barred. All claims must be brought individually and Employer may not consolidate claims with those of other parties.
All arbitrations shall be conducted in English before a single arbitrator under the Commercial Arbitration Rules of the American Arbitration Association ("AAA"), including its Procedures for Large, Complex Commercial Disputes where applicable. The seat of arbitration shall be New York, New York. The Federal Arbitration Act, 9 U.S.C. sections 1-16, governs interpretation and enforcement. The arbitrator shall apply New York law, without regard to conflicts-of-law principles.
Each party shall bear its own attorneys' fees. The arbitrator may apportion AAA administrative fees and arbitrator compensation based upon relative fault or frivolity of claims. The prevailing party in any arbitration or action to compel arbitration may recover reasonable costs, including attorneys' fees, incurred in enforcing this provision.
Either party may seek emergency relief before the AAA's Emergency Arbitrator or, solely for provisional injunctive relief to prevent irreparable harm, in a court of competent jurisdiction in New York County, provided such court action is ancillary to arbitration and any merits determination remains within the exclusive purview of the arbitrator.
All arbitration proceedings, filings, and awards shall be confidential except to the extent disclosure is required to enforce an arbitral award or by applicable law.
Warp shall not be liable for any delay or failure in performance arising from circumstances beyond its reasonable control, including acts of God, governmental actions, regulatory changes, embargoes, wars, terrorist acts, natural disasters, pandemics, power failures, telecommunications disruptions, Internet outages, cyber attacks, system failures, third-party provider failures, or acts or omissions of Employer. Such events shall not constitute a breach, and Warp shall use commercially reasonable efforts to restore normal operations.
This Agreement, together with any Additional Terms and the Privacy Policy, constitutes the complete and exclusive agreement between Warp and Employer regarding the Platform and Services, superseding all prior agreements, proposals, or communications.
Employer shall not assign, transfer, delegate, or sublicense this Agreement or any rights hereunder without Warp's prior written consent. Any attempted assignment in violation hereof shall be null and void. Warp may freely assign this Agreement without restriction.
All notices under this Agreement shall be provided by Warp through email to Employer's designated Administrator email address, notifications posted on the Platform, or written communication to Employer's address of record. Employer is responsible for maintaining current contact information in the Platform.
Warp's failure to enforce any right or provision under this Agreement shall not constitute a waiver of such right or provision. Any waiver must be express, in writing, and signed by an authorized officer of Warp. No waiver of any breach shall operate as a waiver of any subsequent breach.
Employer consents to the use of electronic signatures, electronic records, and electronic communications for all purposes under the E-SIGN Act and relevant state Uniform Electronic Transactions Acts. Electronic signatures shall be deemed original for all intents and purposes. Warp will maintain electronic records in accordance with its standard backup and archival policies. Maintaining separate copies or printouts of records is Employer's sole responsibility.
Where the processing of Employer Data is subject to the EU GDPR, UK GDPR, or similar legislation, the Warp Data-Processing Addendum governs such processing. For cross-border transfers from the EEA, UK, or Switzerland to jurisdictions lacking an adequacy decision, the EU Commission's Standard Contractual Clauses (Module 2: Controller-to-Processor) shall apply, with Warp acting as Processor of Employer Data.
Warp may amend the dispute resolution and supplemental provisions of this Agreement at any time upon thirty (30) days' advance notice. Employer's continued use of the Services after the effective date constitutes acceptance. If any provision of this Agreement is held unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable or, if not possible, severed without affecting the remainder.
Warp maintains comprehensive security controls and follows industry-standard practices to protect Employer Data, including regular security assessments, continuous monitoring, subprocessor vendor-risk assessments, third-party penetration testing, and vulnerability scanning. Warp maintains a documented incident-response plan. Security incidents affecting Employer Data are triaged promptly and, where classified as a data breach, reported to Employer without undue delay and in accordance with applicable law.
Employer acknowledges that the foregoing security practices satisfy any right to audit Warp's information-security program. Any onsite audit or penetration test by Employer requires Warp's prior written consent, shall be at Employer's sole cost, conducted under an NDA, and limited to once per twelve-month period. Confidentiality obligations regarding security documentation survive termination for five (5) years.
For questions regarding this Agreement or the Platform, Employer may contact Warp through the following channels:
Employers are encouraged to use the in-Platform Pylon support feature for direct assistance and optimal response times. For urgent matters affecting payroll processing or Platform access, please indicate the time-sensitive nature of your inquiry. Warp does not accept or process inquiries at its physical locations; all communications must be directed through the channels listed above.
Warp Insurance Services LLC
NPN: 22074328
