These Terms of Service govern your access to and use of agentbridgesystems.com and any related websites, forms, resources, communications, products, programs, and services offered by AgentBridge.

By accessing the website, submitting a form, downloading a resource, scheduling a call, or otherwise using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. About AgentBridge

AgentBridge provides business-development resources, operational systems, technology support, educational materials, consulting, and partnership opportunities intended primarily for insurance agents, agency owners, and other insurance professionals.

Information available through the website is provided for general business and educational purposes. The specific features, services, responsibilities, compensation arrangements, and requirements of an AgentBridge partnership may be governed by a separate written agreement.

If these Terms conflict with a separately signed agreement between you and AgentBridge, the signed agreement will control with respect to that conflict.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Services.

By using the Services on behalf of a company, agency, or other organization, you represent that you have authority to bind that organization to these Terms.

Certain AgentBridge services may be limited to properly licensed insurance professionals or agencies that satisfy additional eligibility, compliance, production, contracting, or operational requirements.

Submitting an application does not guarantee acceptance into AgentBridge or access to any particular carrier, product, technology, lead source, compensation arrangement, or service.

3. No Offer or Guarantee of Partnership

Information on the website is an invitation to learn more about AgentBridge and does not constitute:

• A binding offer

• Acceptance into a partnership

• A carrier appointment

• An employment offer

• A franchise offering

• A guarantee of contracting

• A guarantee of leads or production

• A guarantee of income, profit, growth, or business results

AgentBridge may accept or decline any application in its discretion, subject to applicable law.

Final partnership terms must be confirmed in a separate written agreement where applicable.

4. Insurance Licensing and Compliance

You are solely responsible for maintaining all licenses, appointments, certifications, continuing education, errors-and-omissions coverage, business registrations, and other credentials required for your insurance activities.

You are also responsible for complying with all applicable:

• Federal and state insurance laws

• Carrier rules and contracts

• Medicare marketing and communications requirements

• Centers for Medicare & Medicaid Services requirements

• Privacy and data-security requirements

• Advertising and telemarketing laws

• Do-Not-Call requirements

• Email and text-message marketing rules

• Recordkeeping obligations

• Professional and ethical standards

AgentBridge does not authorize you to engage in any activity that is unlawful, misleading, unlicensed, noncompliant, or prohibited by a carrier or regulator.

5. No Legal, Tax, Accounting, or Regulatory Advice

AgentBridge may provide templates, workflows, scripts, educational resources, marketing ideas, operational guidance, and other business information.

This information does not constitute legal, tax, accounting, investment, actuarial, or regulatory advice.

You are responsible for obtaining advice from qualified professionals regarding your specific circumstances and for independently verifying that your practices comply with applicable laws, regulations, carrier requirements, and contractual obligations.

6. No Insurance Advice to Consumers

The public AgentBridge website is primarily intended for insurance professionals and agency owners.

Unless expressly stated otherwise, website content is not intended to:

• Recommend a particular insurance policy or carrier

• Provide individualized insurance advice

• Replace consultation with a licensed insurance professional

• Determine a consumer’s eligibility for coverage

• Describe every policy term, exclusion, limitation, or benefit

Insurance availability, benefits, premiums, commissions, eligibility, and coverage terms may vary by carrier, product, jurisdiction, and individual circumstances.

7. Applications and Information You Submit

When submitting an application, inquiry, form, or other information, you agree to provide information that is accurate, current, and complete.

You must not:

• Impersonate another person or business

• Submit false production, revenue, licensing, or agency information

• Misrepresent your professional experience or authority

• Submit information you are not authorized to disclose

• Submit beneficiary or policyholder data through unauthorized channels

• Use another person’s contact information without permission

AgentBridge may rely on the information you provide when determining whether to contact you, offer services, or consider a partnership.

8. Sensitive and Client Information

Do not submit sensitive consumer, beneficiary, applicant, employee, or policyholder information through public website forms.

This includes:

• Social Security numbers

• Medicare identification numbers

• Medical records

• Protected health information

• Financial-account information

• Payment-card information

• Insurance application data

• Policy numbers

• Login credentials

• Other confidential personal information

You may only submit such information through systems expressly approved by AgentBridge for that purpose and in accordance with applicable law and your contractual obligations.

You are responsible for obtaining all necessary permissions before disclosing information relating to another person.

9. Permitted Use

You may use the website and Services only for lawful professional and business purposes.

Subject to these Terms, AgentBridge grants you a limited, revocable, nonexclusive, nontransferable right to access and use publicly available website materials for your own internal evaluation and legitimate business use.

No ownership rights are transferred to you.

10. Prohibited Conduct

You may not:

• Use the Services for an unlawful, fraudulent, deceptive, or abusive purpose

• Misrepresent your relationship with AgentBridge

• Claim to be an employee, partner, representative, or authorized spokesperson unless expressly authorized

• Copy, resell, sublicense, distribute, or commercially exploit AgentBridge materials without permission

• Share proprietary materials with unauthorized persons

• Remove copyright, trademark, confidentiality, or ownership notices

• Attempt to reverse engineer, scrape, crawl, extract, or reproduce the website or its systems

• Use automated tools to access the website in a manner that creates an unreasonable burden

• Introduce malware, harmful code, or security threats

• Attempt to bypass access controls

• Interfere with website operation or another person’s use

• Use AgentBridge materials to create a competing product, program, or service

• Submit spam, unsolicited promotions, or misleading communications

• Violate carrier, licensing, privacy, advertising, or telemarketing requirements

AgentBridge may suspend or terminate access for suspected violations.

11. Intellectual Property

The website and its contents are owned by AgentBridge or its licensors and are protected by applicable intellectual-property laws.

Protected materials may include:

• The AgentBridge name and logo

• Website design and copy

• Graphics and branding

• Guides and playbooks

• Scripts and workflows

• Training materials

• Templates

• Technology configurations

• Dashboards

• Process documentation

• Videos and presentations

• Proprietary methods and systems

You may not reproduce, distribute, modify, publish, sell, license, or create derivative works from these materials without prior written permission.

Downloading a resource does not transfer ownership or grant you permission to redistribute it.

12. User Feedback

If you provide suggestions, ideas, comments, testimonials, or other feedback relating to AgentBridge, you grant AgentBridge a nonexclusive, worldwide, perpetual, irrevocable, royalty-free right to use and incorporate that feedback without restriction or compensation.

AgentBridge will not publicly identify you in connection with a testimonial or endorsement without permission where permission is required.

13. Third-Party Tools and Services

The Services may integrate with or link to third-party platforms, including:

• Customer relationship management systems

• Scheduling tools

• Email and communication platforms

• Lead providers

• Dialers

• Analytics tools

• Carrier systems

• Commission-tracking platforms

• Social media platforms

• Payment processors

• Other software providers

AgentBridge does not control third-party services and is not responsible for their availability, accuracy, security, terms, privacy practices, performance, or conduct.

Your use of a third-party platform may be governed by separate terms between you and that provider.

AgentBridge does not guarantee that any integration or third-party service will remain available, compatible, or unchanged.

14. Lead Sources and Marketing Opportunities

AgentBridge may provide access to, information about, or introductions to third-party lead sources and marketing vendors.

Unless expressly agreed in writing, AgentBridge does not guarantee:

• Lead volume

• Lead exclusivity

• Contact rates

• Conversion rates

• Lead accuracy

• Cost per acquisition

• Availability in a particular territory

• Compliance by a third-party vendor

• Profitability from purchased leads

You are responsible for evaluating lead sources, confirming permitted uses, obtaining required consent, and ensuring your outreach complies with applicable law.

15. Business and Earnings Disclaimer

Business performance depends on numerous factors outside AgentBridge’s control, including:

• Your experience and skill

• Market conditions

• Lead quality and cost

• Carrier availability

• Product suitability

• Licensing and appointments

• Sales activity

• Follow-up

• Retention

• Staffing

• Advertising

• Chargebacks

• Compliance

• Economic conditions

Any examples, projections, testimonials, case studies, revenue figures, conversion rates, or production results are illustrative only.

They do not guarantee that you will achieve the same or similar results.

AgentBridge makes no promise that use of its systems will produce a particular level of revenue, commissions, profitability, growth, retention, or business value.

Material limitations and qualifying information should be presented clearly when necessary to prevent marketing claims from being misleading.

16. Communications Consent

By providing your contact information, you authorize AgentBridge to contact you regarding your inquiry, application, scheduled appointment, requested resource, or potential business relationship.

Communications may occur by:

• Email

• Telephone

• Text message

• Voicemail

• Social media

• Other contact methods you provide

Where required, AgentBridge will obtain appropriate consent before sending automated or promotional communications.

Consent to receive promotional calls or text messages is not a condition of purchasing a service.

You may opt out of promotional emails using the unsubscribe link and may opt out of marketing texts by replying STOP.

Commercial emails remain subject to applicable identification, opt-out, and processing requirements under the CAN-SPAM Act.

17. Availability and Modifications

AgentBridge may modify, suspend, replace, restrict, or discontinue any part of the website or Services at any time.

We do not guarantee that:

• The website will always be available

• The Services will be uninterrupted or error-free

• Every feature will remain available

• Content will always be current

• Third-party integrations will continue to function

• Errors will always be corrected immediately

We may update website content and service descriptions without notice.

18. Disclaimer of Warranties

To the fullest extent permitted by law, the website, content, resources, and Services are provided “as is” and “as available.”

AgentBridge disclaims all warranties, express or implied, including warranties of:

• Merchantability

• Fitness for a particular purpose

• Noninfringement

• Accuracy

• Availability

• Security

• Reliability

• Business performance

• Compatibility

AgentBridge does not warrant that the Services will meet your requirements or produce any particular business result.

Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.

19. Limitation of Liability

To the fullest extent permitted by law, AgentBridge and its owners, officers, employees, contractors, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes damages arising from:

• Lost profits

• Lost commissions

• Lost revenue

• Lost leads

• Lost business opportunities

• Chargebacks

• Loss of data

• Business interruption

• Carrier decisions

• Regulatory action

• Reliance on website information

• Third-party services

• Unauthorized access

• Website outages

To the fullest extent permitted by law, AgentBridge’s total liability arising from the public website or freely provided resources will not exceed $100.

For paid or contracted services, any separate signed agreement may establish a different liability limitation.

Some jurisdictions do not allow certain limitations of liability, so portions of this section may not apply to you.

20. Indemnification

You agree to defend, indemnify, and hold harmless AgentBridge and its owners, officers, employees, contractors, affiliates, licensors, and service providers from claims, damages, losses, liabilities, penalties, judgments, and expenses, including reasonable attorneys’ fees, arising from:

• Your use or misuse of the Services

• Your violation of these Terms

• Your insurance or marketing activities

• Your violation of law or regulation

• Your infringement of another party’s rights

• Information or materials you submit

• Unauthorized disclosure of client or beneficiary information

• Misrepresentations made by you

• Actions taken through your accounts or systems

This obligation applies to the extent permitted by law.

21. Suspension and Termination

AgentBridge may restrict, suspend, or terminate your access to the Services if we reasonably believe that you:

• Violated these Terms

• Engaged in fraudulent or unlawful conduct

• Created security or reputational risk

• Misused proprietary materials

• Failed to satisfy applicable professional requirements

• Used the Services in a way that may harm AgentBridge, its partners, clients, or third parties

Upon termination, rights granted to you under these Terms will end immediately.

Provisions that by their nature should survive termination will remain in effect, including intellectual-property, disclaimer, limitation-of-liability, indemnification, and dispute provisions.

22. Governing Law

These Terms are governed by the laws of the State of [STATE], without regard to conflict-of-law principles.

Any legal proceeding not subject to arbitration must be brought exclusively in the state or federal courts located in [COUNTY, STATE], and you consent to the jurisdiction of those courts.

23. Dispute Resolution

Before filing a formal claim, you agree to contact AgentBridge and attempt to resolve the dispute informally for at least 30 days.

Send written notice to:

[LEGAL EMAIL ADDRESS]

The notice should describe the dispute and the requested resolution.

Optional arbitration clause

Do not publish this subsection without legal review:

Any dispute arising from these Terms or the Services will be resolved through binding individual arbitration administered by the American Arbitration Association under its applicable rules. Claims may not be brought as a plaintiff or class member in a class, consolidated, or representative proceeding.

Arbitration provisions and class-action waivers can materially affect legal rights and should be customized by an attorney for AgentBridge’s entity, state, audience, and contracts.

24. Changes to These Terms

AgentBridge may update these Terms periodically.

When changes are made, the effective date at the top will be revised. Material changes may also be communicated through the website or another appropriate method.

Your continued use of the Services after updated Terms become effective constitutes acceptance of the revised Terms.

25. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

The unenforceable provision will be modified only to the minimum extent necessary to make it enforceable where permitted.

26. Waiver

AgentBridge’s failure to enforce a provision of these Terms does not waive its right to enforce that provision later.

A waiver is effective only when made in writing by an authorized representative of AgentBridge.

27. Assignment

You may not assign or transfer your rights or obligations under these Terms without AgentBridge’s prior written consent.

AgentBridge may assign these Terms in connection with a merger, acquisition, reorganization, financing, sale of assets, or transfer of business operations.

28. Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between you and AgentBridge regarding use of the public website and supersede prior discussions concerning that use.

Separate signed partnership, service, licensing, compensation, confidentiality, or carrier agreements remain independently enforceable.