Terms of Service

These terms govern your use of The Place for Life OS, provided by The Place for Life LLC ("we"), Trenton, Illinois. By creating an account you agree to them.

Who may use it

The software is for licensed insurance producers. You confirm that the National Producer Number and state licences you give us are yours and are current, and that you will keep them current while you use the software.

Subscription and billing

The subscription is $200 per month, billed in advance and renewing monthly until cancelled. You may cancel at any time; cancellation takes effect at the end of the period you have paid for, and we do not prorate partial months. Fees are exclusive of taxes.

Some features cost money to run beyond the subscription — outbound calls, text messages and advertising. Those are funded separately from a balance you top up, and are shown to you before you enable them. If you turn on automatic top-ups, you authorise us to charge your card on file when the balance falls below the threshold you set. You can change or disable that at any time in your settings.

Where you run advertising campaigns through us, a platform fee of 5% is charged on top of the campaign budget you set. The fee is shown with the budget before you confirm a campaign, and is charged with it.

Your data

The information you and your clients put into the software remains yours. We process it to provide the service, as described in our Privacy Policy. You can export your data while your account is active.

Your responsibilities when contacting consumers

The software can call and text the people in your pipeline. You are the sender of those communications and you are responsible for them. You agree that you will only load contacts you are lawfully permitted to contact, that you will honour opt-out requests, and that you will comply with the Telephone Consumer Protection Act, state telemarketing and do-not-call rules, and the advertising and suitability rules of the carriers you represent and the states you are licensed in.

We provide tools that help — consent capture, do-not-call screening, quiet-hours enforcement and geographic limits — but they assist your compliance, they do not replace it.

Acceptable use

Do not use the software to send unlawful, deceptive or harassing messages; to impersonate anyone; to share your account with someone who has not agreed to these terms; or to attempt to access another customer's data. We may suspend an account that puts our messaging or advertising infrastructure at risk.

Availability

We work to keep the software available but do not guarantee uninterrupted service. Parts of the platform depend on third parties — payment, telephony, email, calendar and advertising providers — whose outages can affect it.

No insurance or financial advice

We are a software company. We do not sell insurance, do not underwrite, and do not provide legal, tax or financial advice. Commission, persistency and tax figures in the software are calculated from the data you enter and are for your own planning; verify them against your carrier and your accountant.

Termination

You may cancel at any time. We may suspend or terminate an account for non-payment, for a breach of these terms, or where required by law. On termination your access ends; ask us before then if you need an export.

Liability

To the extent the law allows, our total liability arising out of these terms is limited to the amount you paid us in the twelve months before the claim, and we are not liable for lost profits, lost commissions or indirect or consequential damages. Nothing here limits liability that cannot lawfully be limited.

Changes

We may update these terms. Material changes will be notified to account holders, and continuing to use the software after they take effect means you accept them.

Governing law

These terms are governed by the laws of the State of Illinois.

Contact

The Place for Life LLC, Trenton, Illinois — theplaceforlifeos@gmail.com