Terms and Conditions

Effective Date: June 20, 2026

These Terms and Conditions ("Terms") are a contract between you ("User," "you," or "your") and Insurance Life Advisors LLC, a Florida limited liability company that owns and operates the CASSI platform ("CASSI," "Company," "we," "us," or "our"). These Terms govern your access to and use of the CASSI website, software, and services (collectively, the "Platform").

1. Acceptance of Terms

By accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must discontinue use of the Platform.

2. Services and Pricing

Setup Fee. A one-time fee of $2,500 is required to initiate your account.

Subscription Fee. A recurring fee of $300 per week or $1,200 per month, billed in advance.

Ad Budget Tiers and Campaign Types. Your subscription includes ad management for monthly ad budgets up to $6,000 per single campaign type. For each additional $6,000 per month (or portion thereof) in ad budget per campaign type, an additional $297 per month applies. For each additional campaign type up to $6000 per month (or portion thereof), an additional $297 per month applies.

Service Inclusions. Your subscription includes: CRM, marketing automation and nurturing, AI appointment-booking assistant, ad creative and copy, ad optimization, an agent scheduling page, a website, and a dedicated A2P-compliant phone number.

Usage Charges. Call and SMS charges are billed through the telephony provider as pre-purchased credits and are automatically reloaded when depleted. Email usage charges, where applicable, are likewise billed as pre-purchased credits and automatically reloaded when depleted.

AI Usage. AI usage and tokens are included in your Subscription Fee, subject to fair and reasonable use.

3. Payment Terms

Billing Cycle. All fees are charged automatically and in advance on a weekly or monthly cycle.

No Refunds. All payments are final and non-refundable, including for any unused portion of a billing period.

Cost Responsibility. You are solely responsible for all ad spend and all Platform usage costs, including call, text message, and email costs. If you terminate your subscription with the service you are liable for and must pay any and all outstanding ad spend. CASSI is within its rights to without access to your leads until any outstanding ad spend is paid.

4. Lead Ownership and Use

Marketing Agent Disclosure. CASSI acts solely as a marketing agent on your behalf. As between you and the Company, you are the owner of any leads generated through your own campaigns while using the Platform ("Your Leads").

Restriction on Resale and Transfer. Notwithstanding your ownership, you agree, as a condition of using the Platform, that Your Leads are for your exclusive use only and may not be sold, transferred, shared, sublicensed, assigned, or otherwise repurposed for any third-party use under any circumstance. They are for your exclusive use only.

Departure Policy. If you cancel the service, you may export Your Leads for your own continued use, assuming compliance with applicable laws and regulations; provided any outstanding balances to either CASSI or ad media channels have been paid.

5. External Leads and Communication Compliance

You may not import into the Platform, or use the Platform to communicate with, any leads that were not directly generated through your own CASSI campaign, unless all of the following are true:

- You are the sole legal owner of those leads;

- The leads were acquired in compliance with all applicable privacy, A2P, and insurance-marketing laws;

- You maintain opt-out rates below 3% and keep proper records of consent.

- You are solely responsible for ensuring that all leads and communications comply with applicable federal and state marketing laws, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM, and A2P 10DLC requirements.

- You are solely responsible for any

6. Intellectual Property

The Platform, including advertising profiles, ad accounts, ad copy, creative assets, scheduling pages, and all related intellectual property, remains the sole property of the Company.

All workflows, automations, prompts, AI assistant configurations, campaign structures, ad copy, headlines, descriptions, images, videos, email and sms content, CRM configurations, software logic, system architecture, documentation, templates, scripts, integrations, and operational processes provided through or used by the Platform are proprietary to the Company and may not be copied, reproduced, modified, reverse engineered, disclosed, transferred, or used outside the Platform without the Company's prior written consent.

Unauthorized copying, reproduction, modification, disclosure, transfer, reverse engineering, or use of any materials, systems, workflows, automations, prompts, configurations, or Platform components is strictly prohibited.

7. Reverse Engineering, Third-Party Access, and Competitive Use

You may not, directly or indirectly:

- Reverse engineer, decompile, disassemble, inspect, copy, or attempt to derive the source code, structure, architecture, workflows, prompts, automations, systems, processes, or underlying logic of the Platform;

- Scrape, crawl, extract, harvest, or copy data, content, configurations, prompts, workflows, templates, campaigns, automations, or system behavior from the Platform;
- Bypass, disable, interfere with, or attempt to circumvent any security, access control, usage limitation, or technical protection measure;
- Use the Platform, or any information obtained through the Platform, to build, train, improve, benchmark, or support a competing product, service, software, AI system, marketing system, CRM system, automation system, or lead-generation platform;
- Permit, authorize, share access with, or otherwise enable any third party to access, view, evaluate, test, audit, copy, inspect, analyze, or use the Platform for any reason whatsoever — without the Company's prior written consent;

- Reproduce, modify, adapt, translate, create derivative works from, or otherwise exploit any part of the Platform without the Company's prior written consent.

Any violation of this Section may result in immediate suspension or termination of access, without refund, and the Company reserves all rights and remedies available at law or equity.

8. Indemnification

You agree to fully indemnify, defend, and hold harmless the Company, Insurance Life Advisors LLC, and their officers, members, employees, and affiliates from and against any claims, damages, liabilities, losses, or expenses, including reasonable attorneys' fees, arising from or relating to:

- Your misuse of the Platform;

- Your failure to comply with any applicable law or regulation;

- Your communication with leads in violation of these Terms or applicable privacy laws;

- Your unauthorized access, copying, disclosure, reverse engineering, competitive use, or third-party sharing of the Platform or any Company materials, systems, workflows, automations, prompts, configurations, or intellectual property.

9. User Conduct

You agree to:

- Treat Company staff with respect and professionalism;

- Not abuse, harass, or threaten any staff member;

- Use the Platform only for lawful and authorized purposes;
- Not share, transfer, sublicense, resell, or otherwise provide Platform access to any third party without the Company's prior written consent;
- Not use the Platform in any way that violates these Terms or harms the Company's business, systems, legal standing, reputation, clients, staff, or intellectual property.

10. Termination and Cancellation

The Company reserves the right to suspend or terminate your account at any time for any violation of these Terms or if your use is deemed harmful to our business or legal standing.

The Company may immediately suspend or terminate access, without refund, if we suspect unauthorized sharing, copying, reverse engineering, competitive use, misuse, unlawful conduct, or third-party access to the Platform.

You may cancel at any time by notifying us. Upon cancellation, access to the Platform will terminate at the end of the then-current billing cycle.

11. Modifications to Terms

We may update these Terms at any time. When we do, we will revise the Effective Date above. Your continued use of the Platform after any change takes effect signifies your agreement to the revised Terms.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida. All disputes shall be resolved by binding arbitration in Florida, administered by the American Arbitration Association under its applicable rules.

13. Right to Refuse Service

The Company reserves the right to refuse or discontinue service at our sole discretion, including, without limitation, in cases involving:

- Harassment of staff;

- Suspected misuse of the Platform;

- Unauthorized third-party access or sharing;

- Suspected copying, reverse engineering, or competitive use;

- Failure to comply with compliance and legal obligations.

14. Privacy and Data Protection

Your use of the Platform is also governed by our Privacy Policy, which explains how we collect, use, and protect your data.

For any questions or concerns regarding these Terms or the Platform, please contact:

Insurance Life Advisors

777 Brickell Ave, STE 500-95981

Miami Florida 33131