PRODUCER ADVANTAGE AI™
TERMS OF SERVICE
Effective Date: August 10, 2026
These Terms of Service ("Terms") govern your access to and use of Producer Advantage AI™, Producer Advantage FE™, Producer Advantage AI™ MP, related software, websites, Chrome extensions, applications, funnels, services, products, and related offerings (collectively, the "Services") provided by Producer Advantage Holdings LLC ("Company," "we," "our," or "us").
By accessing or using the Services, you agree to be bound by these Terms.
Producer Advantage FE™ and Producer Advantage AI™ MP are intended for use by licensed insurance professionals and business users and is not intended for consumer financial decision-making.
1. Eligibility
You must:
Be at least eighteen (18) years of age;
Have the legal capacity to enter into binding agreements; and
Use the Services only for lawful purposes.
If you use the Services on behalf of an agency, company, or other organization, you represent and warrant that you have the authority to bind that organization to these Terms.
2. Beta Software
Producer Advantage FE™ and Producer Advantage AI™ MP may be offered as beta software.
Beta software may contain:
Bugs
Errors
Inaccuracies
Incomplete features
Service interruptions
Delays
Unexpected behavior
Compatibility issues
Features may be modified, suspended, discontinued, or removed at any time without notice.
Participation in any beta program is voluntary and at your own risk.
3. No Professional Advice
Producer Advantage AI™, Producer Advantage FE™, and Producer Advantage AI™ MP provide informational coaching assistance only.
Nothing provided by the Services constitutes:
Legal advice
Compliance advice
Tax advice
Financial advice
Insurance advice
Investment advice
Professional advice of any kind
AI-generated recommendations, suggestions, insights, prompts, scripts, rebuttals, and responses are informational only.
Users remain solely responsible for all decisions, actions, recommendations, communications, and business activities.
No attorney-client, fiduciary, advisory, insurance producer-client, or other professional relationship is created by use of the Services.
4. User Responsibilities
You agree to:
Maintain all required licenses and appointments;
Follow carrier guidelines and underwriting requirements;
Follow agency policies and procedures;
Comply with all applicable laws and regulations;
Obtain all required permissions and consents;
Use the Services responsibly and lawfully;
Verify the accuracy of all information before relying upon it;
Exercise independent judgment in all business decisions.
You acknowledge that the Services are intended to assist users and do not replace professional judgment or regulatory obligations.
5. Recording and Communications Compliance
You are solely responsible for determining whether call recording, audio processing, transcription, monitoring, artificial intelligence assistance, and communication activities are permitted under applicable federal, state, local, and international laws.
You represent and warrant that you have obtained all required:
Notices
Disclosures
Authorizations
Permissions
Consents
before utilizing any recording, transcription, monitoring, or AI-assisted functionality.
Producer Advantage Holdings LLC assumes no responsibility for your compliance with recording, privacy, or communications laws.
6. Regulatory Compliance
Users are solely responsible for compliance with all applicable laws, regulations, and industry requirements, including but not limited to:
State insurance laws
Department of Insurance regulations
Carrier guidelines
Licensing requirements
Continuing education requirements
Advertising regulations
Privacy laws
Data protection laws
Telemarketing laws
TCPA requirements
CMS regulations
Call recording laws
Consumer protection laws
Producer Advantage AI™ does not monitor, supervise, guarantee, or ensure compliance with any legal or regulatory requirements.
7. Intellectual Property
Producer Advantage AI™, Producer Advantage FE™, Producer Advantage AI™ MP, trademarks, service marks, logos, branding, software, code, workflows, prompts, methodologies, documentation, content, graphics, designs, training materials, and related materials are the exclusive property of Producer Advantage Holdings LLC and are protected by applicable intellectual property laws.
No ownership rights are transferred to users.
Except as expressly permitted by law, you may not:
Copy
Modify
Reproduce
Distribute
Publish
License
Sell
Create derivative works from
Exploit
any portion of the Services without prior written consent.
8. Feedback Rights
You grant Producer Advantage Holdings LLC a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, transferable, and sublicensable right and license to use, reproduce, modify, adapt, publish, distribute, and incorporate:
Feedback
Suggestions
Recommendations
Ideas
Enhancement requests
Bug reports
Comments
Testimonials
for any lawful purpose without compensation or obligation to you.
9. Testimonials and Case Studies
You authorize Producer Advantage Holdings LLC to use anonymized:
Feedback
Results
Statistics
Success stories
Performance outcomes
Product usage information
for marketing, educational, investor, and business purposes.
We will not publicly use your:
Name
Agency name
Photograph
Logo
Likeness
Other identifying information
without your separate consent.
10. Acceptable Use
You may not:
Reverse engineer the software;
Decompile, disassemble, or attempt to access source code;
Copy proprietary content;
Redistribute the Services;
Circumvent security measures;
Interfere with operation of the Services;
Introduce malicious code;
Use the Services for unlawful purposes;
Misrepresent your identity;
Access the Services without authorization;
Develop competing products using confidential information obtained through beta access;
Use the Services in any manner that could damage the Company or its users.
11. Confidentiality
Users participating in beta programs agree to maintain confidentiality regarding:
Product features
Workflows
Screenshots
Demonstrations
Documentation
Roadmaps
Internal information
Technical information
Proprietary methodologies
Non-public product details
You may not disclose confidential information without prior written authorization from Producer Advantage Holdings LLC.
This confidentiality obligation survives termination of your participation in the beta program.
12. No Warranty
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRODUCER ADVANTAGE HOLDINGS LLC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:
MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
TITLE
NON-INFRINGEMENT
ACCURACY
RELIABILITY
AVAILABILITY
UNINTERRUPTED OPERATION
ERROR-FREE PERFORMANCE
WE DO NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR PRODUCE ANY PARTICULAR RESULTS.
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRODUCER ADVANTAGE HOLDINGS LLC SHALL NOT BE LIABLE FOR:
Lost profits
Lost commissions
Lost sales
Lost opportunities
Lost data
Business interruption
Regulatory penalties
Compliance issues
Reputation damage
Indirect damages
Incidental damages
Special damages
Consequential damages
Exemplary damages
Punitive damages
arising from or relating to the use of the Services.
IN NO EVENT SHALL THE AGGREGATE LIABILITY OF PRODUCER ADVANTAGE HOLDINGS LLC EXCEED THE AMOUNT PAID BY THE USER TO PRODUCER ADVANTAGE HOLDINGS LLC DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
IF NO FEES WERE PAID, THE COMPANY'S MAXIMUM LIABILITY SHALL BE ZERO DOLLARS ($0).
Some jurisdictions do not permit certain limitations of liability. In such jurisdictions, liability shall be limited to the maximum extent permitted by law.
14. Indemnification
You agree to defend, indemnify, and hold harmless Producer Advantage Holdings LLC and its owners, officers, managers, employees, contractors, agents, affiliates, successors, and assigns from and against any claims, liabilities, damages, losses, judgments, penalties, fines, costs, and expenses, including reasonable attorneys' fees, arising from:
Your use of the Services;
Your violation of these Terms;
Your violation of any law or regulation;
Your violation of third-party rights;
Your communications or recordings;
Your insurance activities, recommendations, or sales practices.
15. Suspension and Termination
We may suspend, restrict, disable, or terminate your access to the Services at any time, with or without notice, for any reason, including:
Violation of these Terms;
Suspected unlawful activity;
Security concerns;
Misuse of the Services;
Operational or business reasons.
Termination does not relieve you of obligations that survive termination.
16. Modifications
We may modify these Terms at any time.
Updated Terms become effective upon posting unless otherwise specified.
Your continued use of the Services after modifications constitutes acceptance of the revised Terms.
17. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict of law principles.
18. Arbitration and Dispute Resolution
Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved exclusively through binding arbitration in the State of New Jersey in accordance with the rules of the American Arbitration Association.
Each party waives the right to a jury trial and agrees that arbitration shall be the exclusive remedy for disputes.
Nothing in this section prevents either party from seeking temporary, preliminary, or permanent injunctive relief in a court of competent jurisdiction to protect intellectual property rights, confidential information, or proprietary rights.
To the extent permitted by law, disputes must be brought on an individual basis and not as part of a class action, consolidated action, or representative proceeding.
19. Severability
If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, the remaining provisions shall remain in full force and effect.
20. Entire Agreement
These Terms constitute the entire agreement between you and Producer Advantage Holdings LLC regarding the Services and supersede all prior or contemporaneous communications, understandings, agreements, and representations.
21. Contact Information
Producer Advantage Holdings LLC
Producer Advantage AI™
Producer Advantage FE™
Producer Advantage AI™ MP
Email: [email protected]
By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.