The agreement
Effective October 22, 2026. These terms are between S2olutions and the agency that licenses Spectre Spaces, and they apply to every person who signs in for that agency. The agency accepts these terms for everyone it lets sign in, and it is responsible for making sure each of them follows them. A Medicare beneficiary who authorizes a connection is covered by the privacy page and by CMS's terms, not bound by these. If your agency has a signed written agreement with us, that agreement controls where it differs from this page. You must be at least 18 and allowed by your agency to use its space.
The product
Spectre Spaces™ is a product, software, and proprietary property of Spectre Software Solutions LLC ("S2olutions"). Copyright © 2026 Spectre Software Solutions LLC. All rights reserved.
Spectre Spaces™ and the hex-S mark are common-law trademarks of Spectre Software Solutions LLC. No federal registration is claimed. Spectre Spaces, the S² lettermark, and the related house marks are trademarks of S2olutions.
You may not copy, reverse engineer, scrape, redistribute, sublicense, or otherwise exploit this software or these marks without a prior written license from S2olutions.
S2olutions whitelists licensed agencies to use Spectre Spaces™. A licensed agency may supply its own logo and agency name for display in front of "Spaces" as a white-label tenant label only. That display does not confer ownership of the software, marks, or product.
Seats and sign-in
Seats are by invitation. The agency is responsible for who it lets in, what each role can do, and removing people who leave. Keep your sign-in private, and tell us right away if you think someone else used it. Everyone must set up two-step sign-in before opening client records.
The agency's data
The agency owns what it puts in its space. The agency lets us host, process, back up, and display that information only to provide and secure Spectre Spaces, to support the agency, and to meet legal duties. We don't sell it, and we don't use it to train or fine-tune AI models. The privacy page explains how we handle it. Medicare records received from CMS stay subject to the beneficiary's authorization and to CMS rules, and are not a license to republish someone's claims.
HIPAA and business associate agreements
An agency covered by HIPAA must sign our business associate agreement (BAA) before putting health information in Spectre Spaces. Under that BAA, we work as the agency's business associate. For protected health information, the BAA controls where it differs from these terms. Pemby's AI model service receives client information only after its own business associate agreement is recorded; the privacy page explains how.
The agency's responsibilities
The agency uses Spectre Spaces under its own licenses and is responsible for following the laws and rules that apply to its business, including:
- insurance licensing and appointment rules, and Medicare marketing rules, including Scope of Appointment requirements and any required third-party marketer disclaimer;
- consent and do-not-call rules for texts and calls (such as the TCPA and state telemarketing laws), and email marketing rules (such as CAN-SPAM);
- privacy and data security laws for its clients' information, including HIPAA where it applies, the Gramm-Leach-Bliley Act, and state insurance privacy and data security laws;
- electronic signature laws when it collects signatures;
- giving its clients the notices, and getting the consents, the law requires before it records, shares, or contacts them, including leads it buys or imports.
S2olutions provides software and, for some agencies, hosts lead pages such as Plan Shop. We don't sell, recommend, or enroll anyone in insurance plans. The agency is responsible for the Medicare marketing rules that apply to its pages and outreach, including any third-party marketing organization disclaimer.
Beneficiary connection
The Medicare Blue Button connection is held and doesn't run today. When it runs, Medicare data enters Spectre Spaces only when the Medicare beneficiary authorizes this application through CMS Blue Button. An agent may not use a Medicare number, Social Security number, or similar identifier as a back door to that history. The beneficiary can revoke this application at Medicare.gov at any time. That stops new data but doesn't delete what is already stored; the beneficiary can ask the agency or us to delete it. When the agency disconnects in Spectre Spaces, the access tokens and stored claim details of that client's most recent connection are removed; a short record of the connection stays, as the privacy page explains.
The data that may arrive is coverage and Explanation of Benefits for Part A, Part B, and Part D claims. Spectre Spaces doesn't ask for demographics. Part C claims are not part of this feed. CMS has to approve production access before real beneficiary data can be requested. When it runs, and until CMS approves production access, the connection uses the CMS sandbox and its synthetic data, or stays closed if Medicare data is turned off or credentials are not configured.
Connected services
HealthSherpa, Google, Microsoft, Meta, Twilio, Lob, Stripe, LiveKit, and other connected services have their own terms, and the agency needs its own account where they require one. The HealthSherpa connection is held. When it runs, send a client's information to HealthSherpa only after the client's written permission naming HealthSherpa is recorded, and send only that client's information. Marketplace quotes are for information; HealthSherpa and the carrier set the final price and eligibility. We aren't responsible for a connected service's availability or for what it does with information it receives.
Drafts and messages
Email composed in the space remains a draft until a person sends it. Where agency texting is configured, broker-initiated sending is subject to consent, approval, and opt-out checks, quiet hours where the person lives, and a written texting consent on an approved form for that number. A Meta lead-form request for a call is permission to call back only. Spectre Spaces does not place calls. The person who sends a text, email, or letter, and their agency, are responsible for its content and for having consent to send it.
Pemby and AI features
Pemby and other AI features help with drafts, lookups, and plans. AI can be wrong. Check its work before you rely on it or send anything, and keep a person in charge of decisions about clients.
Education is not advice
Explanations inside the product, including anything an assistant says about Medicare rules, are general product and reference material. They are not a recommendation of a plan and not legal advice for a person's situation. Plan choice and legal questions belong with a licensed agent or counsel.
Pemby says it this way: "I can explain general product and rule definitions with cites. I cannot give you personal legal advice or tell you which plan to buy. Talk to a licensed agent / counsel for your situation."
Pembys in Spaces
Pembys in Spaces is our name for the AI staff in Spectre Spaces. Today each person has one Pemby, covered by these terms. A team of Pembys for each broker, and any trial, credits, or separate plan for them, are not part of Spectre Spaces yet. We will update these terms before they are.
Spaces Ink
Spaces Ink lets you mark up PDFs and collect handwritten signatures. It can also fill a Scope of Appointment form, attach it to the broker's own email, and keep the signed copy the broker uploads. It is not a certified electronic-signature service, and it doesn't verify who signed. The agency is responsible for confirming signers and for meeting electronic signature laws.
Acceptable use
- Use the space for the agency's own clients and prospects.
- Do not upload information you have no right to hold.
- Do not probe other tenants, scrape the space, or attempt to read tokens.
- Do not send messages without the consent the law requires, or use the space to harass, deceive, or discriminate.
- Do not present Spectre Spaces, or a draft it helps you write, as a government approval, a carrier offer, or personal legal advice.
Fees
Agency subscriptions are billed through Stripe at the price shown when the agency subscribes or in its written agreement, plus any taxes. If a payment fails and isn't fixed, we may pause the space after telling the agency.
Availability and changes
We work to keep the space available. We do not promise uninterrupted service, a particular quote, a carrier appointment, or that CMS will approve production Blue Button credentials. Sandbox data is synthetic. We may improve or change features; if a change takes away something the agency relies on, we'll tell the agency first.
Ending access
An agency can stop using the space at any time. A beneficiary can revoke the Medicare connection. We can suspend access that breaks these terms or puts another tenant's data at risk. When an agency leaves, it can ask us for a copy of its data and for deletion, and we handle that request as the law that applies requires. These records stay even then: the agency's client records, consent records and the documents attached to them as evidence, signed Scope of Appointment copies for their 10 years, each client's activity history, the text log, the audit trail, the accounts of the people who wrote that history or a consent record, and, for a Meta call request added to a book from the Leads page, the dashboard, or Pemby, its call-request line and lead record. Ending access does not erase an audit line that records the fact of a connection.
Liability
Spectre Spaces is provided as it is and as available, to the extent the law allows. To the extent the law allows, S2olutions is not liable for lost profits, a plan the agency recommended, or a decision made from records the agency chose to rely on, and our total liability for any claim is limited to what the agency paid us in the 12 months before it. The agency is responsible for the advice it gives its clients and for claims caused by its own messages or breaking the law, and will cover our reasonable costs for those claims. Nothing here limits liability that cannot legally be limited.
Governing law
Ohio law governs these terms. Disputes go to the state or federal courts serving Lorain County, Ohio, unless the agency's written agreement says otherwise.
Changes
When these terms change, the date at the top changes with it. If a change is significant, we'll tell agency admins by email or in the app before it takes effect.
Contact
Spectre Software Solutions LLC, Lorain, Ohio
privacy@s2olutions.com
Website terms for s2olutions.com are a separate page: s2olutions.com/terms.