Get Started
Follow these simple steps to get started.
- 1
- 2
- 3
Create Account: Step 1 of 3
Updated Sep 18, 2026.
These Terms of Service govern your use of the website located at https://totalcsr.com, the Total CSR platform, and any related services provided by Total CSR, Inc. (collectively, the “Product Offering”). These Terms of Service also apply to the use of the Product Offering by you (the “Customer”).
By accessing or using https://totalcsr.com or any related services, you agree to abide by these Terms of Service and comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing the website or any services provided by Total CSR, Inc.
We, Total CSR, Inc., reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. For material changes, we will provide at least thirty (30) days’ notice via email or platform notification, except where immediate changes are required to comply with law. Continued use of the Product Offering after the effective date constitutes acceptance of the updated Terms.
“Product Offering” means the Total CSR platform, including its features, modules, design, workflows, integrations, and underlying infrastructure, as made available to the Subscriber under their current subscription, together with any updates, enhancements, or modifications made in the ordinary course of business.
“Core Functionality” means essential platform operations, user access management, primary insurance training content, and assessment capabilities integral to the contracted service.
“Customer Content” means training materials, data, files, and other content submitted to the Service by or for Customer (including uploads and custom course materials).
“Provider Content” means all content provided by Total CSR through the Service, including courseware, documentation, templates, questions, assessments, explanations, images, video, audio, text, and any derivatives or updates.
“Documentation” means usage guides and written policies made available by Total CSR.
“User” means an individual employee or individual contractor of Customer authorized by Customer to access the Service.
“Competitor” means any entity offering insurance-training software, libraries, or services substantially similar to the Service.
“LicenseTRAQ” means the Total CSR license-tracking feature that retrieves insurance producer licensing information from the Producer Database.
“NIPR” means the National Insurance Producer Registry, a Missouri nonprofit corporation. “Producer Database” means the NIPR Producer Database and the information made available from it through LicenseTRAQ.
By using this website and/or the Product Offering, you warrant on behalf of yourself, your users, and other parties you represent that you will not:
In addition, you agree not to (a) scrape, spider, crawl, or systematically harvest Provider Content; (b) automate access or exceed documented rate limits; (c) share or reuse credentials or permit concurrent use of a single credential; (d) publish, disclose, or misrepresent benchmarks or performance tests; (e) conduct security testing (e.g., penetration testing) without our prior written authorization; or (f) use the Service to build or assist in building a competing product or service.
By using this website, you warrant on behalf of yourself, your users, and other parties that you represent that you:
The Service is not offered to (i) Competitors; (ii) outsourcing/BPO/VA firms delivering training to third parties; or (iii) resellers or content aggregators, unless expressly approved in writing by Total CSR. Total CSR may suspend or terminate accounts created or used in violation of this Section.
Customer shall not, and shall not permit any third party to: (i) use Provider Content, Service outputs, or any portion of the Service to train, fine-tune, retrain, or improve any machine learning model, large language model, foundation model, generative AI, embedding system, or similar technology; (ii) perform or permit text-and-data mining, dataset creation, corpus building, or embedding generation on Provider Content or Service outputs; or (iii) input, upload, or expose Provider Content or Service outputs to any third-party AI/LLM service (including via API, plugin, agent, or prompt) except to the extent Total CSR expressly enables such feature within the Service and identifies a subprocessor contractually prohibited from training on such data.
Breach of this Section constitutes irreparable harm, and Total CSR may seek injunctive relief in addition to other remedies. On reasonable notice, Customer will certify compliance and cooperate with investigations of suspected breaches; if Provider Content or outputs were used for model training in violation of this Section, Customer will cease such use, require implicated third parties to purge any resulting data/models/embeddings, and certify remediation in writing.
The intellectual property in the materials contained in this website and the Product Offering are owned by or licensed to Total CSR, Inc. and are protected by applicable copyright and trademark law.
Subject to these Terms and timely payment, Total CSR grants Customer a limited, non-exclusive, non-transferable, non-sublicensable right during the Term Length to access and use the Service and Provider Content solely for Customer’s internal training of its own Users and solely up to the quantities/roles purchased.
Customer shall not disclose, distribute, display, transmit, or make available any Provider Content to any third party (including affiliates, vendors, consultants, virtual assistants, outsourcers, or the public) except to Customer’s individual contractors who are bound in writing to confidentiality and use restrictions at least as protective as these Terms and solely to perform services for Customer’s internal business. Posting Provider Content to public or shared sites, repositories, or LLM prompts is prohibited.
Total CSR may monitor usage and audit seat counts on reasonable notice; excess usage will be invoiced at then-current rates and may be charged retroactively to the date of over-use.
Except as expressly permitted, Customer will not (a) copy, modify, translate, create derivative works of, or frame the Service or Provider Content; (b) reverse engineer or access the Service to build a competing product; (c) remove proprietary notices; (d) scrape, harvest, or bulk export Provider Content; or (e) publish benchmarks without Total CSR’s prior written consent.
Notwithstanding any other provision in this agreement, Total CSR, Inc. acknowledges and agrees that any custom training content, proprietary materials, or intellectual property submitted by the client for use within the Total CSR platform shall remain the sole and exclusive property of the client.
Total CSR shall not use, reproduce, distribute, sublicense, or disclose such content for any purpose other than delivering services to the client, and will not incorporate such content into its general offerings or make it available to any third party without the client’s prior written consent.
Total CSR may modify, enhance, or discontinue any aspect of the Product Offering, including design, workflows, and features, at any time. Changes that do not materially 2
diminish the Core Functionality shall not constitute grounds for termination or fee adjustment.
Subscription fees cover access to features available at the time of purchase. Total CSR reserves the right to introduce new features, modules, or integrations that may require separate subscriptions or additional fees, which will be clearly communicated prior to availability.
From time to time, Total CSR may offer features or modules labeled as “Beta” or “Trial.” Such features are provided “as is,” may be modified or discontinued at any time, and are excluded from any warranties.
Total CSR may perform scheduled or emergency maintenance at any time and will use reasonable efforts to minimize downtime. Total CSR shall not be liable for unavailability of the Product Offering due to maintenance, force majeure events, or factors outside its reasonable control.
Our website and the Product Offering are provided on an “as is” basis. To the extent permitted by law, Total CSR, Inc. makes no warranties, expressed or implied, and hereby disclaims all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
In no event shall Total CSR, Inc. or its suppliers be liable for any consequential loss suffered or incurred by you or any third party arising from the use or inability to use this website or the Product Offering, even if Total CSR, Inc. or an authorized representative has been notified of the possibility of such damage.
“Consequential loss” includes any indirect loss, loss of profit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use, and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity, or otherwise.
Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
The materials appearing on our website are not comprehensive and are for general information purposes only. Total CSR, Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this website or otherwise relating to such materials or on any resources linked to this website.
Training content is educational only and does not constitute legal, accounting, or coverage advice; Customer is responsible for validating coverage decisions and policy interpretations.
Total CSR, Inc. has not reviewed all the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval, or control by Total CSR, Inc. Use of any such linked site is at your own risk, and you should make your own investigations as to the suitability of those sites.
We may suspend or terminate your right to use our website or the Product Offering, and terminate these Terms of Service, immediately upon written notice for any breach of these Terms.
Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.
For residents in Virginia, we adhere to the Virginia Insurance Continuing Education Course Introduction Statement for the purposes of providing Continuing Education Credit to agents licensed in Virginia. By accepting these terms, you confirm that Total CSR has provided you with this Introduction Statement in accordance with the Virginia Department of Insurance’s Continuing Education requirements.
This Section applies to every Customer that has access to LicenseTRAQ. Total CSR provides LicenseTRAQ under a license agreement with NIPR. That agreement requires the language below to appear in Total CSR’s agreements with its Customers. In this Section and in Exhibits C(1) and C(2), “Licensee” means Total CSR, Inc. and “this Agreement” means these Terms of Service. Exhibits C(1) and C(2) are attached to and form part of these Terms of Service.
Customer represents and warrants it is engaged in the business of insurance and has a permissible purpose for obtaining consumer reports, as defined by Section 604 of the Federal Fair Credit Reporting Act (15 U.S.C. § 1681b) as amended by the Consumer Credit Reporting Reform Act of 1996 or as may hereafter be amended, hereinafter called “FCRA”. Customer certifies it will comply with the provisions of the FCRA when requesting and using a consumer report from the Producer Database. A Notice to Users of Consumer Reports, as prescribed by the Consumer Financial Protection Bureau (“CFPB”) is attached hereto as Exhibit C(1).
For purposes of this Agreement, the term “consumer report” and “Consumer Report for Employment Purposes” shall have the same meaning as given to these terms by the FCRA.
Customer agrees it will not request a Consumer Report for Employment Purposes unless: (a) a clear and conspicuous disclosure is first made in writing to the individual who is the subject of the consumer report before the report is obtained, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; (b) the individual who is the subject of the consumer report has authorized in writing the procurement of the report; (c) Customer complies with the FCRA in the event it takes adverse action in whole or in part based upon the consumer report and (d) information from the consumer report will not be used in violation of any applicable federal or state equal opportunity law or regulation. For purposes of Customer’s notice obligations in regards to taking adverse action, a Summary of Consumer Rights, as prescribed by the CFPB, is herein attached as Exhibit C(2) and will be made available to Customer each time it signs off the Producer Database.
Customer agrees it will maintain copies of all written authorizations required herein for a minimum of three (3) years from the date of inquiry. Customer agrees it shall use a consumer report for a one-time use only, and will not disclose the information in the report to any third parties except those involved in the current decision affecting the individual who is the subject of the consumer report.
Customer agrees to indemnify, defend and hold harmless Licensee and the National Insurance Producer Registry, a Missouri nonprofit corporation (a/k/a NIPR) from and against any liability or claim of any persons that is attributable to Customer’s failure to comply with the applicable provisions of the FCRA.
These Terms of Service are governed by and construed in accordance with the laws of California. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.
By creating a user account on Total CSR, you agree to our Terms and Conditions, including our Marketing Communications Policy.
By registering for an account, you are automatically opted in to receive marketing communications, including newsletters, promotions, and service updates via email. If you wish to opt out, you must submit a written request via email to [email protected].
Opting out of marketing communications does not affect transactional or account-related emails.
During the account creation process, users will be required to acknowledge and agree to these Terms by selecting a checkbox that states:
“By creating a user account, I agree to the Total CSR Terms and Conditions.”
This ensures that all users, including those who do not directly make the purchase, are bound by these Terms.
The subscription terms and conditions are governed by those specified in the accompanying proposal. Following the initial term outlined therein, the subscription will automatically renew for successive twelve (12)-month periods unless canceled in writing at least thirty (30) days before the renewal date.
Renewal pricing and terms may change, including adjustments for inflation based on a recognized consumer price index or similar measure, with notice provided in advance. Multi-year renewals may be available upon request, and annual pricing adjustments may apply to reflect inflation or other market factors.
The Federal Fair Credit Reporting Act (FCRA) requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. This first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. The FCRA, 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission’s Internet web site (http://www.ftc.gov).
OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS
Congress has limited the use of consumer reports to protect consumers’ privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 of the FCRA contains a list of the permissible purposes under the law. These are:
In addition, creditors and insurers may obtain certain consumer report information for the purpose of making unsolicited offers of credit or insurance. The particular obligations of users of this “prescreened” information are described in Section V below.
Section 604(f) of the FCRA prohibits any person from obtaining a consumer report from a consumer reporting agency (CRA) unless the person has certified to the CRA (by a general or specific certification, as appropriate) the permissible purpose(s) for which the report is being obtained and certifies that the report will not be used for any other purpose.
The term “adverse action” is defined very broadly by Section 603 of the FCRA. “Adverse actions” include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact – such as unfavorably changing credit or contract terms or conditions, denying or canceling credit or insurance, offering credit on less favorable terms than requested, or denying employment or promotion.
If a user takes any type of adverse action that is based at least in part on information contained in a consumer report, the user is required by Section 615(a) of the FCRA to notify the consumer. The notification may be done in writing, orally, or by electronic means. It must include the following:
If a person denies (or increases the charge for) credit for personal, family, or household purposes based either wholly or partly upon information from a person other than a CRA, and the information is the type of consumer information covered by the FCRA, Section 615(b)(1) of the FCRA requires that the user clearly and accurately disclose to the consumer his or her right to obtain disclosure of the nature of the information that was relied upon by making a written request within 60 days of notification. The user must provide the disclosure within a reasonable period of time following the consumer’s written request.
If a person takes an adverse action involving insurance, employment, or a credit transaction initiated by the consumer, based on information of the type covered by the FCRA, and this information was obtained from an entity affiliated with the user of the information by common ownership or control, Section 615(b)(2) requires the user to notify the consumer of the adverse action. The notification must inform the consumer that he or she may obtain a disclosure of the nature of the information relied upon by making a written request within 60 days of receiving the adverse action notice. If the consumer makes such a request, the user must disclose the nature of the information not later than 30 days after receiving the request. (Information that is obtained directly from an affiliated entity relating solely to its transactions or experiences with the consumer, and information from a consumer report obtained from an affiliate are not covered by Section 615(b)(2).)
If information from a CRA is used for employment purposes, the user has specific duties, which are set forth in Section 604(b) of the FCRA. The user must:
Investigative consumer reports are a special type of consumer report in which information about a consumer’s character, general reputation, personal characteristics, and mode of living is obtained through personal interviews. Consumers who are the subjects of such reports are given special rights under the FCRA. If a user intends to obtain an investigative consumer report, Section 606 of the FCRA requires the following:
Section 604(g) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report. In the case of medical information being sought for employment purposes, the consumer must explicitly consent to the release of the medical information in addition to authorizing the obtaining of a consumer report generally.
The FCRA permits creditors and insurers to obtain limited consumer report information for use in connection with unsolicited offers of credit or insurance under certain circumstances. Sections 603(l), 604(c), 604(e), and 615(d). This practice is known as “prescreening” and typically involves obtaining a list of consumers from a CRA who meet certain pre-established criteria. If any person intends to use prescreened lists, that person must (1) before the offer is made, establish the criteria that will be relied upon to make the offer and to grant credit or insurance, and (2) maintain such criteria on file for a three-year period beginning on the date on which the offer is made to each consumer. In addition, any user must provide with each written solicitation a clear and conspicuous statement that:
Section 607(e) of the FCRA requires any person who obtains a consumer report for resale to take the following steps:
Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619
Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
o a person has taken adverse action against you because of information in your credit report;
o you are the victim of identity theft and place a fraud alert in your file;
o your file contains inaccurate information as a result of fraud;
o you are on public assistance;
o you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact:
TYPE OF BUSINESS: | CONTACT: |
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates | a. Consumer Financial Protection Bureau 1700 G Street, N.W. Washington, DC 20552 |
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: | b. Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357 |
2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks | a. Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 |
b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act. | b. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480 |
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations | c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106 |
d. Federal Credit Unions | d. National Credit Union Administration Office of Consumer Financial Protection (OCFP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314 |
3. Air carriers | Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590 |
4. Creditors Subject to the Surface Transportation Board | Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423 |
5. Creditors Subject to the Packers and Stockyards Act, 1921 | Nearest Packers and Stockyards Administration area supervisor |
6. Small Business Investment Companies | Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., Suite 8200 Washington, DC 20416 |
7. Brokers and Dealers | Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 |
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations | Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090 |
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above | Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357 |