Terms of Service + Purchase Terms (“Terms”)

Effective Date: 7/8/2025
Last Updated: 1/20/2026

These Terms of Service (“Terms”) govern your access to and use of the IUL.org platform and services. These Terms form a binding agreement between Media Holding Group LLC d/b/a IUL.org (“IUL.org,” “we,” “us,” or “our”) and you (“Customer,” “you,” or “your”).

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THE PLATFORM.

1. SCOPE AND BUSINESS USE ONLY

1.1 B2B Platform

IUL.org provides business-to-business software, CRM infrastructure, and lead delivery services intended exclusively for licensed insurance professionals and agencies.

1.2 No Consumer Use

The Platform is not intended for personal, household, or consumer use.

1.3 No Legal Advice

IUL.org does not provide legal advice. Any information, tools, or features related to compliance are provided for operational convenience only. You are solely responsible for determining lawful use of Leads and communications.

2. DEFINITIONS

“Account” means your IUL.org master account.

“Location” means an individual CRM environment created within the Platform and associated with a specific Customer or agency.

“Platform” means the IUL.org CRM, lead delivery system, communications infrastructure, and related services.

“Platform Infrastructure” means IUL.org-provided phone numbers, calling systems, SMS/MMS systems, email systems, workflows, and logs.

“Lead” means a consumer record delivered to a Location.

“Lead Record” means any data received from a third-party source related to a Lead, which may include timestamp, IP address, form identifier, source identifier, and consent language (when provided).

3. PLATFORM AUTHORIZATION MODEL

3.1 Location Authorization

Each Location created within the Platform is deemed authorized by IUL.org to receive and contact Leads as of the Location creation timestamp.

Authorization is limited to:

  • The specific Location

  • Leads generated after the Location is created

  • Contact conducted through Platform Infrastructure only

3.2 No Retroactive Authorization

A Location is not authorized to contact Leads generated prior to its creation.

3.3 No Partnership or Agency

Nothing in these Terms creates a partnership, joint venture, employment relationship, or agency relationship between you and IUL.org. You are an independent business using a platform.

4. LEADS AND CONSENT DISCLAIMERS

4.1 Third-Party Sources

Leads are obtained from third-party publishers. IUL.org does not control publisher forms, disclosures, or consent language.

4.2 No Warranty of Consent

IUL.org does not warrant that any Lead includes valid, sufficient, or legally compliant consent for any particular outreach method.

Consent language may vary by source, form, jurisdiction, and time.

4.3 Customer Responsibility

You may contact a Lead only if you have independently determined that:

  • The Lead Record, combined with any other consent or relationship you hold, supports your intended outreach under applicable law, and

  • Your outreach complies with TCPA, TSR, CAN-SPAM, state telemarketing laws, carrier rules, and insurance regulations

You acknowledge that you are solely responsible for compliance determinations.

5. PLATFORM-ONLY CONTACT REQUIREMENT

5.1 Authorized Contact Methods

You are authorized to contact Leads only through Platform Infrastructure, unless expressly approved in writing by IUL.org.

5.2 Prohibited Conduct

You may not:

  • Export Leads for external dialing or texting

  • Copy or manually transfer Lead data for off-platform outreach

  • Route Leads to external systems to avoid platform controls

5.3 Suppression and Opt-Outs

Opt-out handling and suppression are managed at the Location level.

When a Lead opts out through Platform Infrastructure, IUL.org will suppress that Lead for the applicable Location only.

You remain independently responsible for:

  • Maintaining your own suppression lists

  • Honoring all opt-out requests regardless of source

  • Ceasing outreach when a consumer expresses disinterest

IUL.org does not provide global suppression across all Locations.

6. BILLING AND USAGE

6.1 Fees

You agree to pay all fees shown at checkout and all usage-based charges incurred through your Location.

6.2 Usage-Based Charges

Calls, texts, emails, workflows, and other features are billed based on actual usage as displayed within the Platform.

6.3 No Refunds for Usage

Usage charges are non-refundable once incurred.

7. ACCEPTABLE USE

You may not:

  • Use Leads for non-insurance purposes

  • Misrepresent your identity or affiliation

  • Engage in deceptive, abusive, or harassing conduct

  • Circumvent Platform restrictions or safeguards

  • Share access credentials

Violations constitute material breach.

8. SUSPENSION AND TERMINATION

IUL.org may suspend or terminate access immediately if:

  • You violate these Terms

  • Your activity creates legal or carrier risk

  • Excessive complaints arise

  • Payment fails

Upon termination:

  • Access ends immediately

  • Remaining Leads may be forfeited

  • Outstanding charges remain due

9. DISCLAIMERS

THE PLATFORM AND LEADS ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

IUL.org DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IUL.ORG’S TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE SIX (6) MONTHS PRECEDING THE CLAIM.

IN NO EVENT SHALL IUL.ORG BE LIABLE FOR INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless IUL.org from all claims arising from:

  • Your outreach to Leads

  • Alleged TCPA, TSR, CAN-SPAM, or state law violations

  • Consumer complaints

  • Your misuse of the Platform

This includes attorneys’ fees and defense costs.

12. GOVERNING LAW AND DISPUTES

These Terms are governed by Delaware law.

Disputes shall be resolved by binding arbitration, except where prohibited by law.

Class actions are waived to the maximum extent permitted.

13. GENERAL

These Terms constitute the entire agreement.
IUL.org may update these Terms at any time.
Continued use constitutes acceptance.