Terms of Service

These Terms of Service ("Terms") are a legally binding agreement between you ("Agent," "you") and The Place for Life LLC, an Illinois limited liability company ("Company," "we," "us"), governing your use of the The Place for Life OS platform and all related tools, sites, pages, numbers, domains, and services (together, the "Platform"). By creating an account, clicking to accept, or using the Platform, you accept these Terms. If you do not agree, do not use the Platform.

PLEASE READ SECTION 16 CAREFULLY. IT REQUIRES INDIVIDUAL BINDING ARBITRATION AND WAIVES JURY TRIALS AND CLASS ACTIONS.

The Platform is business software for licensed insurance producers: a CRM, booking pages, phone numbers, an AI calling and texting assistant, email tools, lead intake, advertising management, and a financial back office. The Company is a software company. The Company is not an insurance producer or agency; it does not sell, solicit, or negotiate insurance; it does not give insurance, legal, tax, investment, or financial advice; and nothing in the Platform is such advice. You are solely responsible for your insurance business, your professional conduct, and your compliance with insurance laws and carrier agreements.

• You must be a licensed insurance producer (or their authorized staff) and at least 18 years old
• The identifying information you provide — including your name, NPN, and states of licensure — must be accurate, and you must tell us promptly if your license lapses, is suspended, or is revoked
• Access is by approval. We verify license information before granting access and may decline or revoke access at our discretion
• You are responsible for your credentials and for everything done under your account. Do not share accounts. Two-factor authentication is required where offered
• We may suspend an account to protect the Platform, consumers, carriers, or other users

3.1 Price. The Platform costs $200.00 per month per account, or $2,000.00 per year per account if you choose annual billing, plus usage charges described in 3.4, unless a different written arrangement applies to your account.

3.2 AUTOMATIC RENEWAL DISCLOSURE. YOUR SUBSCRIPTION RENEWS AUTOMATICALLY AT THE END OF EACH BILLING PERIOD (MONTHLY, OR YEARLY IF YOU CHOSE ANNUAL BILLING) AND YOUR PAYMENT METHOD (BANK DEBIT OR CARD) WILL BE CHARGED $200.00 PER MONTH OR $2,000.00 PER YEAR, PLUS ANY USAGE CHARGES AND TAXES, ON EACH RENEWAL DATE UNTIL YOU CANCEL. YOU MAY CANCEL AT ANY TIME ONLINE IN THE PLATFORM (Settings → Payment → Manage plan) OR BY EMAILING theplaceforlifeos@gmail.com. CANCELLATION TAKES EFFECT AT THE END OF THE CURRENT BILLING PERIOD; YOU KEEP ACCESS THROUGH THE PERIOD YOU PAID FOR.

3.3 Payment. Payments are processed by Stripe. You authorize recurring charges to your chosen payment method. ACH bank debits are subject to your bank agreement and NACHA rules. Fees are stated exclusive of taxes; you are responsible for applicable taxes.

3.4 Usage wallets. Calls, texts, AI usage, leads you purchase, and advertising you fund are paid from prepaid balances ("wallets") you top up. If you enable automatic reload, you authorize us to charge your saved payment method the reload amount whenever your balance falls below your chosen threshold, until you disable it. An advertising platform fee of 5% applies to ad spend routed through the Platform. Wallet balances are prepayments for services, are not deposits, bear no interest, and — except where required by law — are refundable on account closure only for the unused prepaid remainder, less amounts owed.

3.5 No refunds. Except as expressly stated in these Terms or required by law, all fees are non-refundable, including for partial months.

3.6 Failed payments. If a renewal payment fails, we will retry and notify you. Your account enters a grace period of up to 30 days; if payment is not cured, the account is suspended and Section 11 (termination and offboarding) applies.

3.7 Price changes. We may change prices with at least 30 days' notice; changes apply from your next renewal after the notice period.

The Platform can place calls and send texts and emails on your behalf, including with automated and artificial-intelligence technology. Laws including the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule, federal and state Do-Not-Call laws, state "mini-TCPA" telemarketing laws, and CAN-SPAM impose serious liability — including statutory damages per call or text — for noncompliant outreach. As between you and the Company, YOU are the sender and seller for your outreach, and you agree that you will:

• Obtain PRIOR EXPRESS WRITTEN CONSENT that meets legal requirements from each consumer before using automated calls or texts, or artificial/prerecorded/AI voice, to contact them, and use the Platform's consent-capture features so proof is retained
• Keep, and produce to us on request, proof of consent for any lead — our carriers and vendors require us to obtain it from you, and you authorize us to provide it to them
• Never purchase, rent, or transfer "consent," and never contact lists without valid consent obtained for you as the seller
• Honor opt-outs immediately; never disable, bypass, or instruct around the Platform's opt-out, quiet-hours, do-not-call, consent, or AI-disclosure features
• Identify yourself truthfully in every message; no misleading sender information or subject lines; include your physical address in commercial email and do not remove the Platform's compliance footers
• Comply with carrier and registry rules applicable to your registered messaging campaigns; your traffic rides registrations made in your name and ours, and conduct that endangers those registrations endangers every user

The Platform's compliance features (consent capture, opt-out handling, quiet hours, DNC screening, disclosures) ASSIST your compliance but DO NOT GUARANTEE compliance with any law, and are not legal advice. We may suspend, throttle, or block any traffic or account that we believe endangers legal compliance, carrier standing, or consumers, with or without notice.

You represent that every lead you import, purchase through the Platform, or connect through advertising was collected lawfully, and that any certification you make about a lead (including attestations about consent documentation) is true. Leads that fail the Platform's verification gates may be restricted to manual outreach.

Parts of the Platform use artificial intelligence, including a voice and text assistant that speaks with consumers on your behalf. You understand and agree that:

• AI outputs may be inaccurate, incomplete, or unexpected despite our safeguards; you are responsible for reviewing your configuration, your scripts and pages, and the assistant's conduct on your behalf, and for correcting anything wrong
• The assistant is designed to identify itself as an AI/virtual assistant and to disclose call recording; you must not remove, disable, or instruct around those disclosures
• Where a law requires disclosure of AI use to consumers, you are responsible for that disclosure being made for your business
• AI output is not professional advice

The Platform can provision phone numbers and internet domains for your use (including a landing-page domain and a matching email domain purchased by the Company for you).

• During your subscription, you have the exclusive use of the numbers and domains provisioned for your account. The Company is the registrant, account holder, or subscriber of record and pays the registration and carrier costs included in your plan
• Numbers and domains remain the Company's property DURING the subscription so we can manage registration, compliance, and replacement — but they are provisioned FOR YOU, and we will not repoint them to another user while your account is in good standing
• If your account terminates in good standing, we will, at your written request within 30 days of termination, transfer the domains to a registrar account you control and cooperate in porting your numbers to a carrier account you control. You pay renewal, transfer, and carrier costs from that point forward. Assets unclaimed after the 30-day window may be released or reused
• We may decline transfer where the account was terminated for fraud or abuse, where amounts remain unpaid, or where a registry, registrar, or carrier rule prevents it

8.1 You own your data. As between you and the Company, you own the data you and your automation put into the Platform, including your Client Data.

8.2 Our license. You grant us a worldwide, non-exclusive license to host, copy, process, transmit, display, and adapt your data solely to operate, secure, support, and improve the Platform and to comply with law. This license ends when your data is deleted after termination.

8.3 The Data Processing Agreement is part of these Terms and governs our processing of Client Data.

8.4 Aggregated data. We may create and use data that is aggregated and de-identified so that it does not identify you or any consumer (for example, platform-wide booking rates), including to operate, improve, and market the Platform. We will never sell or disclose your identifiable data for marketing.

8.5 Export. Self-serve export of your data is available in the Platform, and remains available for 30 days after termination (90 days after an involuntary suspension), after which Section 5 of the Privacy Policy governs deletion.

You will not: use the Platform for unlawful, deceptive, or harassing activity; send content that is illegal or that carriers prohibit; misrepresent your identity or licensure; interfere with or probe the Platform's security; access another tenant's data; resell, sublicense, or white-label the Platform without a written agreement; reverse engineer except where law permits; use the Platform to build a competing product; or exceed reasonable usage designed to circumvent metering. We may investigate violations and suspend or terminate offending accounts.

The Platform depends on third-party services — including Stripe, Twilio, Retell, Anthropic, Amazon Web Services, email relays, Google, Meta, registrars, registries, and telecom carriers. Their availability, rules, and pricing can change outside our control; their outages are not our breach; and pass-through fees they impose (for example carrier fees and registration fees) may be passed through to you. Your use of connected third-party services is governed by their terms.

• These Terms apply while you have an account. You may cancel per Section 3.2
• We may terminate or suspend immediately for material breach, for conduct endangering compliance, carriers, consumers, or other users, for nonpayment after the grace period, or if required by law; otherwise we will give 30 days' notice
• On termination: your subscription ends per Section 3; export per Section 8.5; asset transfer per Section 7; deletion per the Privacy Policy and DPA. Sections that by their nature survive (including 3 for amounts owed, 8.4, 12–17) survive

The Platform, including its software, design, and content (excluding your data), is owned by the Company and its licensors and is protected by law. We grant you a limited, non-exclusive, non-transferable right to use it under these Terms. Feedback you give us may be used without obligation.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT AI OUTPUT WILL BE ACCURATE, OR THAT USE OF THE PLATFORM WILL ENSURE COMPLIANCE WITH ANY LAW OR PRODUCE ANY BUSINESS RESULT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST COMMISSIONS, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY; AND (B) THE COMPANY'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE PLATFORM IS LIMITED TO THE GREATER OF THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE OR $100. THESE LIMITS DO NOT APPLY TO YOUR PAYMENT OBLIGATIONS, YOUR INDEMNIFICATION OBLIGATIONS, OR LIABILITY THAT CANNOT BE LIMITED BY LAW.

You will defend, indemnify, and hold harmless the Company and its members, officers, employees, and agents from and against claims, damages, penalties, fines, and expenses (including reasonable attorneys' fees) arising out of: (a) your outreach and communications, including claims under the TCPA, TSR, CAN-SPAM, do-not-call laws, and state telemarketing or privacy laws; (b) the provenance, consent status, or content of your leads and data; (c) your insurance business, professional conduct, or violation of insurance law or carrier requirements; (d) consumer disputes with you; or (e) your breach of these Terms. We will give you prompt notice and reasonable cooperation, and may participate with our own counsel at our expense.

16.1 Informal first. Before filing any claim, the complaining party must send a written description of the dispute to the other (to us: theplaceforlifeos@gmail.com) and allow 30 days to resolve it informally.

16.2 Binding individual arbitration. Any dispute arising out of or relating to these Terms or the Platform that is not resolved informally shall be finally resolved by BINDING ARBITRATION administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Clinton County, Illinois (with the option of remote/video proceedings). Judgment on the award may be entered in any court of competent jurisdiction. Each party bears its own attorneys' fees except where the arbitrator awards them under applicable law.

16.3 CLASS ACTION WAIVER. ALL CLAIMS MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING, AND THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS. BOTH PARTIES WAIVE TRIAL BY JURY. If the class waiver is held unenforceable as to a claim, that claim (and only that claim) shall proceed in court in Clinton County, Illinois.

16.4 Carve-outs. Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court for intellectual-property infringement, unauthorized access, or misuse of confidential information.

16.5 Time limit. To the extent permitted by law, any claim must be filed within ONE YEAR after it accrued, or it is permanently barred.

These Terms are governed by Illinois law, without regard to conflicts rules. You may not assign these Terms without our consent; we may assign to an affiliate or successor. Notices to you may be given by email to your account address or in the Platform; notices to us go to theplaceforlifeos@gmail.com. If a provision is unenforceable, the rest remains in effect. These Terms, the Privacy Policy, and the DPA are the entire agreement about the Platform. We may update these Terms; material changes will be presented in the Platform with at least 30 days' notice before taking effect, and continued use after the effective date is acceptance.

Contact: The Place for Life LLC, Trenton, Illinois 62293 · theplaceforlifeos@gmail.com