Terms of Service

By creating an account, accessing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service. You represent that you are at least 18 years old, that you are a licensed insurance professional (or are acting under the supervision of one), and that you have authority to enter this agreement. If you use the Service on behalf of an agency or organization, you represent that you are authorized to bind it, and “you” includes that entity.

The Service is a self-service software tool for organizing prospects, policies, tasks, and production records. It is an administrative aid only. We are not an insurance carrier, agency, broker, IMO/FMO, broker-dealer, law firm, accounting firm, or compliance service, and we do not sell, solicit, negotiate, or service insurance.

No professional advice. Nothing in the Service constitutes legal, tax, accounting, compliance, suitability, or investment advice. You are solely responsible for your licensing, appointments, continuing education, carrier and IMO requirements, suitability and replacement analysis, advertising review, record retention, errors-and-omissions coverage, and compliance with all applicable laws and regulations, including insurance regulations, TCPA, CAN-SPAM, and state do-not-call rules.

The Service displays commissions, points, target premium, projections, cash-flow forecasts, acquisition and incentive progress, and similar figures based on data you enter and on compensation schedules, rates, and assumptions that you or your organization supply or select. These figures are illustrative estimates only. They are not statements of what you have earned, will earn, or are owed.

You must independently verify all compensation, points, and policy status against your carrier and IMO statements of record. Company is not responsible for any decision made, or any loss incurred, in reliance on figures displayed by the Service.

Carrier, IMO, and third-party names, marks, product names, telephone numbers, and links that appear in the Service (including but not limited to F&G, Corebridge Financial, and Legacy Leadership Group) are the property of their respective owners and are used for identification and convenience only. Their appearance does not imply affiliation, sponsorship, endorsement, partnership, or approval, in either direction. We are not responsible for third-party products, websites, rates, phone lines, or services, including any linked lead vendor, E&O provider, or fulfillment service.

You own your content. As between you and Company, you retain all rights to the data you enter or import (“Your Content”). You grant us a limited, non-exclusive license to host, process, transmit, back up, and display Your Content solely to operate, secure, and support the Service.

You are the controller of your clients' data. You are solely responsible for the personal information you enter about third parties, including client names, dates of birth, contact details, and policy information. You represent and warrant that you have all necessary rights, notices, consents, and a lawful basis to collect that information and to have us process it on your behalf, and that your use of the Service complies with applicable privacy, data-protection, and insurance-privacy laws (including, where applicable, the Gramm-Leach-Bliley Act and state analogues).

Do not upload what the Service is not built for. Do not enter payment card numbers, Social Security numbers, government-issued ID numbers, medical or health records, or other sensitive categories of data beyond what the Service's fields are designed to collect.

Certain features (for example voice debrief, transcription, and document scanning) use third-party artificial-intelligence services to interpret content you submit. AI output can be inaccurate, incomplete, or misleading. All AI-generated content is a draft for your review — you are responsible for reviewing and correcting it before relying on it, saving it, or acting on it. Do not submit content through AI features that you are not permitted to disclose to a third-party processor.

You agree not to: use the Service for unlawful, deceptive, or abusive purposes; send unsolicited or non-compliant marketing; upload malicious code; probe, scan, or circumvent security or access controls; scrape or bulk-export data other than through provided export features; resell, sublicense, or provide the Service to third parties outside your organization; share one account among multiple agents; reverse engineer or copy the Service; or misrepresent your licensure, appointments, or identity.

Paid plans, prices, billing intervals, and included features are shown at purchase. Subscriptions renew automatically at the then-current rate until cancelled. Cancelling stops future charges; your plan runs through the period already paid for. Except where required by law, payments are non-refundable and we do not provide refunds or credits for partial periods, unused features, or downgrades. We may change pricing with at least 30 days' notice; continued use after the change takes effect constitutes acceptance. You are responsible for applicable taxes. Failed or disputed payments may result in suspension.

Deleting individual records. You may delete records inside the app at any time. Deleted records may persist in encrypted backups for up to 90 days before being overwritten.

Closing your account. You may close your account at any time from within the app or by emailing us. On closure: (a) your subscription stops renewing; (b) you may export Your Content for 30 days; (c) after that window we delete or irreversibly anonymize Your Content from active systems within 30 days; and (d) residual copies in encrypted backups are purged on our normal backup rotation, within 90 days of deletion from active systems.

Deletion requests. You may request deletion at any time by emailing support@legacypipeline.app from your account email. We will confirm and complete verified requests within 30 days. If a request concerns one of your clients, you remain responsible for responding to that individual; we act on your instructions as your processor.

What we may retain. We may retain records where required by law or where reasonably necessary to resolve disputes, prevent fraud or abuse, enforce these Terms, or maintain billing and tax records. We may retain aggregated or de-identified data that cannot reasonably be used to identify you or any individual.

Inactive accounts. We may delete data associated with accounts that have been closed, unpaid, or inactive for more than 12 months, after reasonable notice to the account email.

The Service is provided “as is” and “as available”, with all faults and without warranty of any kind. To the maximum extent permitted by law, Company disclaims all warranties, express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and any warranties arising from course of dealing or usage of trade. Company does not warrant that the Service will be uninterrupted, timely, secure, or error-free, that data will be accurate or preserved without loss, or that defects will be corrected.

You are responsible for maintaining your own independent records. Do not use the Service as your sole system of record for information you are required to retain.

To the maximum extent permitted by law, Company and its owners, officers, employees, contractors, licensors, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, commissions, revenue, business, opportunity, goodwill, clients, or data, however caused and under any theory of liability, whether in contract, tort (including negligence), strict liability, or otherwise, even if advised of the possibility of such damages.

Company's total aggregate liability for all claims arising out of or relating to these Terms or the Service will not exceed the greater of (a) the total amounts you actually paid Company for the Service in the twelve (12) months immediately before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

These limitations apply even if a limited remedy fails of its essential purpose, and form an essential basis of the bargain between us. Some jurisdictions do not allow certain exclusions or limitations, so some of the above may not apply to you; in that case our liability is limited to the greatest extent permitted by law.

You agree to defend, indemnify, and hold harmless Company and its owners, officers, employees, contractors, and agents from and against any and all claims, demands, actions, investigations, liabilities, damages, losses, judgments, settlements, penalties, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to:

(a) Your Content and your collection, use, disclosure, or retention of any personal information, including your clients' information; (b) your use or misuse of the Service; (c) your breach of these Terms or of any representation or warranty you make; (d) your violation of any law, regulation, or carrier, IMO, or agency requirement, including insurance, privacy, and telemarketing rules; (e) your professional acts or omissions, including any policy sold, recommended, replaced, or serviced; (f) any dispute between you and a client, carrier, IMO, upline, downline, or other agent; and (g) your infringement or misappropriation of any third-party right.

We will notify you of any claim subject to indemnification and may, at our option, control its defense with counsel of our choosing at your expense. You may not settle any claim in a way that imposes obligations or admits fault on our part without our prior written consent.

Informal resolution first. Before filing any claim, you agree to contact us at support@legacypipeline.app and attempt to resolve the dispute informally for at least 30 days.

Binding arbitration. Except for claims that qualify for small-claims court and claims seeking injunctive relief for infringement or misuse of intellectual property, any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by the American Arbitration Association (“AAA”) under its applicable consumer or commercial rules, seated in Los Angeles County, California. Judgment on the award may be entered in any court of competent jurisdiction.

You and Company agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims. You and Company waive any right to a jury trial.

Time limit. Any claim must be brought within one (1) year after it arises, or it is permanently barred, to the extent permitted by law.

These Terms and any dispute arising from them are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to Section 13, you and Company consent to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California, and waive any objection to that venue.

You may stop using the Service at any time. We may suspend or terminate access immediately if we reasonably believe you have violated these Terms, created risk or legal exposure for us or other users, or failed to pay. Where practical we will give notice. Sections 3, 4, 5, 8, and 10 through 18 survive termination.

The Service is under active development. We may add, change, suspend, or discontinue features at any time. We do not guarantee any particular uptime, backup frequency, or retention period unless stated in a separate written agreement signed by us. Scheduled and unscheduled downtime, data migration, and third-party outages (including hosting, database, payment, and AI providers) may affect availability.

Features identified as beta, preview, or early access are provided for evaluation, may be changed or removed without notice, and are excluded from any commitment or warranty. Use them at your own risk.

These Terms, together with the Privacy Policy, are the entire agreement between you and Company regarding the Service and supersede prior understandings. If any provision is found unenforceable, it will be limited or severed and the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets. Notices to you may be sent to your account email; notices to us must be sent to AJJ Vela Inc. at support@legacypipeline.app. Force majeure events excuse performance.

We may update these Terms. Material changes will be announced in the app or by email at least 30 days before taking effect, except where a shorter period is needed for legal or security reasons. Continued use after the effective date constitutes acceptance. Questions: support@legacypipeline.app.