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.

1. Nature of the Service

SteadyFlow is a software tool designed to assist licensed insurance agents with appointment scheduling, lead management, and advertising copy generation. 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 a guarantee of any outcome. All advertising copy generated by our AI tools is provided as a draft starting point and must be reviewed and approved by the agent before use.

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
• Have the legal right to advertise the insurance products you promote
• Will comply with all applicable federal, state, and local laws and regulations
• Will comply with the advertising guidelines of any platform (Meta, TikTok, YouTube, etc.) you use
• Are solely responsible for the content and compliance of any advertisements you publish
• Are at least 18 years of age and have the legal capacity to enter into this agreement

3. Subscription and Payment

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

• Subscription fees are billed monthly in advance and are non-refundable except as required by law
• 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 the current billing period
• We reserve the right to change subscription pricing with 30 days' advance notice to your account email

4. Insurance Advertising Compliance

Insurance advertising is regulated by state insurance departments and federal agencies. You, as the licensed agent, are solely responsible for ensuring that all advertisements you publish comply with applicable insurance advertising laws and regulations, including but not limited to:

• State insurance department advertising guidelines
• NAIC model advertising regulations
• CAN-SPAM Act for email communications
• TCPA for telephone and text communications
• FTC guidelines on endorsements and testimonials
• Meta, TikTok, and Google advertising policies for financial products

SteadyFlow provides AI-generated copy as a drafting tool only. We make no representation that any generated content is compliant with the laws applicable to your specific state, license type, or the products you sell. Always review generated content with your compliance guidelines or a licensed compliance professional before publishing.

5. Meta and Third-Party Platform Compliance

Insurance products are classified as a Special Ad Category by Meta. If you connect your Meta Ads account to SteadyFlow, you acknowledge that:

• You are responsible for selecting the correct Special Ad Category for your campaigns
• Targeting restrictions apply to Special Ad Categories including limitations on age, gender, and location targeting
• Violations of Meta's advertising policies may result in suspension of your ad account
• SteadyFlow is not responsible for ad account restrictions, bans, or policy violations resulting from campaigns you create or publish

6. Lead Data and TCPA

When leads submit their information through your booking page, you become the data controller responsible for that information. You agree to:

• Handle lead data in compliance with applicable privacy laws
• Only contact leads for purposes consistent with what was disclosed at the time of booking
• Comply with TCPA requirements before calling or texting leads
• Maintain appropriate records of consent as required by law

7. Intellectual Property

The SteadyFlow platform, including its design, code, and underlying technology, is owned by SteadyFlow App LLC and protected by intellectual property laws.

Ad copy and content you generate through the platform using your inputs is 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 ad copy or use it to train AI models without your consent.

8. Prohibited Uses

You may not use the Service to:

• Create misleading, deceptive, or fraudulent advertising
• Advertise insurance products you are not licensed to sell
• Collect lead information for purposes other than legitimate insurance sales activity
• Violate any applicable law or regulation
• Impersonate any person or entity
• Attempt to reverse engineer, copy, or resell any part of the platform

9. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that AI-generated content will be accurate, compliant, or suitable for your purposes. Use of the Service and any content generated through it is at your own risk.

10. 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, ad account suspensions, lost business, or claims arising from advertising content you publish. Our total liability for any claim shall not exceed the amount you paid us in the 30 days preceding the claim.

11. 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. Sections 7, 9, 10, and 12 survive termination.

12. Governing Law and Disputes

These Terms are governed by the laws of the state in which SteadyFlow App LLC is organized, 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 that jurisdiction, 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.

13. Changes to These Terms

We may update these Terms from time to time. 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.

14. Contact

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

SteadyFlow App LLC