1. Acceptance of Terms
By accessing, browsing, or utilizing the LifeAgent Hub platform, enrolling in the Fiduciary Life Insurance Masterclass, or integrating our CRM snapshots, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any portion of these terms, you must discontinue using our website and services immediately.
2. Educational & Informational Disclaimer
LifeAgent Hub, its masterclasses, case studies, and training materials are designed for professional development and educational purposes only:
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No Legal or Tax Advice: Content provided in courses, guides, and templates does not constitute legal, CPA, tax, or direct actuarial advice. Professionals must consult local state compliance officers and carrier guidelines.
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Independent Illustration Responsibility: Life insurance illustrations, cap rate scenarios, and cash value projections shown are strictly hypothetical examples. Advisors remain solely responsible for client suitability analysis and approved carrier illustrations.
3. User Accounts & Platform Access
When creating an account or subscribing to our CRM automation tools:
- You are responsible for safeguarding your login credentials and portal passwords.
- Multi-agent licensing or account sharing outside your contracted seats is strictly prohibited.
- You agree to use CRM messaging, SMS, and email engines in full compliance with TCPA, CAN-SPAM, and A2P 10DLC regulations.
4. Intellectual Property Rights
All curriculum outlines, video recordings, proprietary discovery frameworks, sales scripts, e-books, logos, and custom code modules remain the exclusive intellectual property of LifeAgent Hub. Enrolled members receive a non-transferable, revocable license to utilize the assets solely within their own active insurance practice.
5. Billing, Cancellations & Refund Policy
We strive for complete transparency in all membership and software subscriptions:
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30-Day Guarantee: Standalone digital masterclasses carry a 30-day satisfaction guarantee from the original date of purchase unless otherwise stated during checkout.
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Software Subscriptions: Ongoing CRM subscription fees are billed on a recurring monthly or annual basis. You may cancel renewal anytime via your billing dashboard prior to the next billing cycle.
6. Limitation of Liability
LifeAgent Hub and its instructors shall not be held liable for any indirect, incidental, or consequential damages resulting from platform downtime, carrier policy changes, or marketing outcomes.