Terms of Service

These Terms of Service ("Terms") govern your access to and use of the SteadyFlow platform ("Service"), operated by SteadyFlow App LLC ("SteadyFlow," "we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

The Service is offered solely to residents of the United States. By accessing or using the Service, you represent that you are located in the United States. We do not offer the Service to users outside the United States.

1. Nature of the Service

SteadyFlow is a software platform designed to assist licensed insurance agents with running their book of business. The Service bundles a white-labeled customer relationship management (CRM) workspace — including conversations, calendars, contacts, and pipelines — provided by Go High Level/LeadConnector, together with SteadyFlow utilities for exporting leads from third-party lead portals and generating client-facing documents such as summary sheets. SteadyFlow App LLC is not an insurance agency, broker, or carrier. We do not sell, underwrite, or advise on insurance products.

Nothing generated by this platform constitutes insurance advice, legal advice, or financial advice, nor a guarantee of any outcome. Documents and outputs produced by the Service are based solely on inputs you provide and are starting points only — you are solely responsible for reviewing, correcting, and using any output appropriately.

2. Agent Eligibility and Responsibilities

To use this Service, you represent and warrant that you:

• Are a licensed insurance agent in good standing in your state(s) of operation
• Will comply with all applicable federal, state, and local laws and regulations governing your insurance practice
• Will comply with the terms of service of any third-party lead portal whose credentials you save to SteadyFlow, and that you have the right to access the leads you export
• Will treat lead contact information obtained through the platform in accordance with applicable privacy and consumer protection laws
• Are at least 18 years of age and have the legal capacity to enter into this agreement
• Are responsible for all activity that occurs under your account, and for keeping your account credentials secure

3. Subscription, Payment, and Cancellation

Access to SteadyFlow requires a paid subscription. By subscribing, you agree to the following:

• Subscription fees are billed monthly in advance at the rate displayed at the time of signup
• Payment is processed by Stripe. By providing payment information, you authorize Stripe to charge your payment method on a recurring basis
• If a payment fails, we will attempt to retry the charge. Access to the Service may be suspended until payment is resolved
• You may cancel your subscription at any time through the platform settings. Cancellation takes effect at the end of your current billing period, and you will not be billed again
• We reserve the right to change subscription pricing with 30 days' advance notice to your account email

No Refunds: All subscription fees are non-refundable, including the first month and any partial months of usage. Cancelling your subscription stops future billing but does not entitle you to a refund of fees already paid, except as required by applicable law. You retain access to the Service through the end of the billing period you last paid for. SteadyFlow makes no guarantee of specific results, leads, or revenue from use of the platform.

4. Lead Data and Outreach Compliance

When you export leads from a third-party portal through SteadyFlow, the lead records are delivered to you as a CSV file. From that point forward, you are the data controller for that information and are solely responsible for how it is used. You agree to:

• Handle lead data in compliance with applicable privacy laws
• Comply with TCPA, CAN-SPAM, and any state-level Do Not Call requirements before calling, texting, or emailing leads
• Maintain appropriate records of consent as required by law
• Not share, sell, or transfer lead data exported through SteadyFlow to third parties for marketing purposes
• Comply with the terms of service of the lead portal from which the data originates

You also acknowledge that as a licensed agent, all marketing or advertising material you produce — whether or not it relates to data exported through SteadyFlow — must comply with applicable insurance advertising laws and regulations, including state insurance department guidelines, NAIC model advertising regulations, CAN-SPAM, TCPA, and FTC guidelines on endorsements and testimonials.

5. TCPA & Messaging Compliance

SteadyFlow includes a white-labeled Go High Level ("GHL") workspace through which you may send SMS, MMS, voice, and email communications. By using these capabilities, you represent and warrant that every recipient of such communications has provided prior express written consent as defined under the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227 and its implementing regulations.

You are solely responsible for obtaining, documenting, and retaining proof of consent for every contact you message. SteadyFlow does not, and cannot, verify consent on your behalf. You also agree to comply with the SteadyFlow Acceptable Use Policy, which is incorporated into these Terms by reference and which sets out additional required and prohibited conduct (including SHAFT-C restrictions, opt-out handling, and carrier rules).

6. A2P Brand Registration on Agent's Behalf

Wireless carriers in the United States require Application-to-Person (A2P) 10DLC brand and campaign registration through The Campaign Registry (TCR) before SMS messages can be delivered. By using SteadyFlow, you authorize us to submit A2P 10DLC brand and campaign registrations to TCR and connected carriers using:

• Information about the insurance carrier you are contracted with (e.g. American Income Life Insurance Company), including its legal business name, EIN, registered business address, industry classification, and website
• Your personal contact details (email and phone), used as the brand contact-of-record
• Your business mailing address, used for sub-account billing and profile data
• A description of the messaging use case, sample messages from the SteadyFlow Snapshot template, and opt-in language

You represent and warrant that you are an actively contracted, appointed, and licensed agent with the carrier you identify in onboarding, and that you have authority to conduct outreach on behalf of that carrier's products. You agree to update your carrier and license information promptly if your appointment status changes. SteadyFlow may suspend or terminate your account if your carrier appointment lapses or if the carrier objects to your use of its identity for A2P registration.

7. Telephony Billing

Your $150/month subscription to SteadyFlow includes the SteadyFlow software tools, the white-labeled GHL workspace, and the A2P registration assistance described above. It does not include telephony usage. Phone numbers, SMS message segments, voice minutes, and email sends are billed directly by GHL/LeadConnector at pass-through rates (no SteadyFlow markup) to a payment method you add inside your GHL sub-account. SteadyFlow is not party to that billing relationship and does not reimburse, refund, or otherwise mediate disputes about telephony usage charges. If you fail to maintain a valid payment method with GHL, your messaging capability may be suspended by GHL independent of your SteadyFlow subscription status.

8. Third-Party Lead Portals

When you save credentials for a third-party lead portal (such as Planet) to your SteadyFlow account, you authorize SteadyFlow to log into that portal on your behalf and retrieve the leads assigned to your account. You acknowledge and agree that:

• You have the right and authorization to access the relevant portal account
• SteadyFlow has no relationship, affiliation, or endorsement with or from the operators of any third-party lead portal
• The third-party portal's own terms of service and policies apply to your use of that portal, and SteadyFlow is not responsible for changes the portal makes to its layout, login system, or rate limits
• SteadyFlow is not responsible for the accuracy, quality, or compliance of leads provided by a third-party portal
• You are responsible for any consequences (including account suspension by the portal) resulting from your use of automated access

9. Intellectual Property

The SteadyFlow platform, including its design, code, and underlying technology, is owned by SteadyFlow App LLC and protected by intellectual property laws. You may not copy, reverse engineer, resell, or create derivative works from any part of the platform.

Documents and other content you generate through the platform using your inputs are owned by you. You grant SteadyFlow a limited, non-exclusive license to store and display that content solely for the purpose of providing the Service to you. We do not claim ownership of your content and we do not use your content to train AI models.

10. Prohibited Uses

You may not use the Service to:

• Access or attempt to access lead-portal accounts that you do not own or are not authorized to use
• Violate the terms of service of any third-party lead portal
• Violate any applicable law or regulation, including TCPA, CAN-SPAM, state insurance regulations, or consumer privacy laws
• Impersonate any person or entity
• Attempt to reverse engineer, copy, or resell any part of the platform
• Use automated scripts, bots, or other unauthorized means to access or interact with the platform
• Interfere with or disrupt the integrity or performance of the Service

11. Indemnification

You agree to indemnify, defend, and hold harmless SteadyFlow App LLC and its officers, directors, employees, affiliates, and agents (each, an "Indemnified Party") from and against any and all claims, liabilities, damages, losses, costs, fines, penalties, and expenses (including reasonable attorneys' fees and the costs of investigation, defense, and settlement) arising out of or related to:

• Your messaging activity, including any SMS, MMS, voice, or email communication initiated through the SteadyFlow platform or your GHL sub-account
• Any violation of the TCPA, CAN-SPAM, state telemarketing laws, state Do-Not-Call rules, NAIC or state insurance department advertising regulations, or CTIA, TCR, or carrier rules
• Any misrepresentation of your licensure status, carrier appointment, or authority to conduct outreach on behalf of a carrier
• Any breach of the SteadyFlow Acceptable Use Policy
• Your use, handling, or sharing of lead data exported through the Service
• Your violation of any third-party lead portal's terms of service
• Any claim that the carrier identity you authorized SteadyFlow to use for A2P registration was used without authority
• Your violation of these Terms or any applicable law or regulation

SteadyFlow may, at its option, control the defense of any matter for which it is entitled to indemnification, in which case you will cooperate fully. This indemnification obligation survives the termination or expiration of these Terms and your account.

12. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, that lead-portal exports will always succeed, or that generated documents will be suitable for your purposes. Use of the Service is at your own risk.

13. Limitation of Liability

To the maximum extent permitted by law, SteadyFlow App LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to regulatory fines, lost business, lost revenue, or claims arising from your handling of lead data or any outreach you conduct. Our total cumulative liability to you for any claim arising out of or related to these Terms or the Service shall not exceed the greater of (a) the fees you paid us in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred dollars ($100).

The foregoing limitations do not apply to: (i) damages arising from our gross negligence or willful misconduct; (ii) our breach of confidentiality obligations; or (iii) liability that cannot be limited under applicable law. Your indemnification obligations under Section 11 are not subject to this cap.

14. Force Majeure

SteadyFlow shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, government action, outages of third-party services (including Stripe, Vercel, Turso, Resend, or Browserbase), or internet infrastructure failures.

15. Right to Suspend

SteadyFlow reserves the right to suspend or terminate your access to the Service — including your GHL sub-account and any A2P brand or campaign registrations submitted on your behalf — immediately and without prior notice, for any conduct that:

• Violates the Acceptable Use Policy
• Generates excessive consumer complaints, opt-outs, spam reports, or carrier flags
• Results in carrier sanction, A2P brand-reputation harm, or risk of removal from TCR
• That SteadyFlow reasonably determines exposes SteadyFlow, its other agents, or any partner carrier to legal, regulatory, or operational risk

Suspensions resulting from a violation of these Terms or the Acceptable Use Policy are non-refundable, and you remain liable for any damages or claims arising before suspension. SteadyFlow may decline to reinstate any sub-account that has been suspended for cause.

16. Termination

We reserve the right to suspend or terminate your access to the Service at any time for violation of these Terms, with or without notice. You may cancel your account at any time through the platform settings. Upon termination, your right to use the Service ceases immediately, and your associated GHL sub-account is suspended at termination and scheduled for deletion approximately 30 days later if not reactivated. Sections 9, 11, 12, 13, 17, 18, and 19 survive termination.

17. Governing Law and Disputes

These Terms are governed by the laws of the State of Ohio, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Service shall be resolved exclusively in the state or federal courts located in Ohio, and you consent to personal jurisdiction in those courts.

Before initiating any legal action, you agree to contact us at legal@steadyflowapp.com and give us 30 days to attempt to resolve the dispute informally. This informal resolution requirement does not apply to claims involving intellectual property rights, injunctive relief, or unpaid invoices and payment disputes (including chargebacks).

18. Electronic Acceptance

By creating an account, clicking an "I agree" button, or otherwise using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. You consent to receive all communications, agreements, notices, disclosures, and other records from us electronically, and you agree that such electronic communications satisfy any legal requirement that those communications be in writing.

19. General Provisions

• Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and SteadyFlow App LLC regarding the Service and supersede all prior agreements or understandings.
• Severability. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
• No Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
• Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.
• Notices. We may deliver legal notices to you via the email address associated with your account or by posting a notice within the Service. You are responsible for keeping your account email current. Notices to SteadyFlow must be sent to legal@steadyflowapp.com.

20. Changes to These Terms

We may update these Terms from time to time, including when we add or remove features. We will notify you of material changes via email at least 14 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

21. Contact

For questions about these Terms, contact us at: legal@steadyflowapp.com

SteadyFlow App LLC
United States