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Agent Platform Terms & Conditions

Effective Date: The date the Agent completes their subscription purchase on the Platform.

These Terms & Conditions (“Terms”) govern your access to and use of The Miliare Group agent
platform, including agent landing pages, directory listings, subscription services, and any related
tools or services (collectively, the “Platform”).

By creating an account, subscribing, or using the Platform, you agree to be bound by these
Terms.

1. Eligibility & Agent Verification

The Miliare Group financial professionals help many of the industry’s top financial services and insurance companies bring their products to families throughout North America.

1.1 Licensed Agents Only

The Platform is available exclusively to individuals who are properly licensed and authorized to conduct insurance and/or financial services business through World Financial Group–affiliated entities (“WFGIA”), as applicable.

1.2 Accurate Information Required

You represent and warrant that all information you provide—including name, location, licensing status, agent codes, and contact details—is accurate, current, and truthful.

1.3 Verification & Suspension

The Miliare Group reserves the right to:
● Verify your eligibility at any time
● Request documentation or clarification
● Suspend or terminate access if eligibility cannot be confirmed or if false information is
provided

2. Nature of the Platform

2.1 Marketing & Visibility Platform Only

The Platform provides:
● A professional agent landing page
● Inclusion in a public agent directory
● Optional Google Workspace email services
● Basic SEO support and visibility tools

The Platform does not:
● Provide financial, tax, or legal advice
● Guarantee leads, income, performance, or results
● Replace compliance obligations imposed by WFGIA, regulators, or law

3. Agent Content Responsibilities

3.1 User-Editable Content

Agents may edit only approved sections of their landing page, such as:
● Personal bio
● Contact details
● Social links
● Booking links
● Profile photo

All other sections (including disclosures, services, layouts, SEO templates, and compliance language) are locked and controlled by The Miliare Group.

3.2 Compliance & Accuracy

You are solely responsible for ensuring that all content you submit:
● Is truthful, accurate, and not misleading
● Does not include guarantees, promises, or performance claims
● Does not provide tax or legal advice
● Does not misrepresent credentials, licensing, or authority
● Complies with all applicable laws, regulations, and WFGIA policies

4. AI Moderation & Editorial Control

4.1 Automated Moderation

All agent-submitted content is subject to automated AI moderation for:
● Compliance risks
● Prohibited language or claims
● Inappropriate or unsafe imagery
● Grammar, spelling, and clarity

4.2 Hold for Review

If content is flagged, it may be:
● Temporarily held from publication
● Returned for revision
● Reviewed manually by The Miliare Group

4.3 Editorial Authority

The Miliare Group reserves the right to:
● Edit, remove, or refuse publication of any content
● Enforce compliance standards at its sole discretion
● Suspend pages that pose regulatory or reputational risk

5. Subscription, Billing & Termination

Subscription Term

All Platform services are provided on a month-to-month subscription basis, unless otherwise stated at checkout.

Automatic Renewal

Subscriptions automatically renew each billing cycle unless canceled prior to the next billing date.

Payment Obligation

Agents agree to maintain a valid payment method on file and authorize recurring charges for the selected subscription plan.

Late or Failed Payments

If a payment is not successfully processed on the due date:
● The Agent’s landing page may be unpublished and removed from the public directory
● Agent login access may be restricted or suspended
● Any associated Google Workspace email account may be suspended

Termination for Non-Payment

Failure to resolve a missed or failed payment within the applicable grace period will result in automatic termination of the subscription, without further notice.

Reactivation

Services may be restored upon successful payment, subject to availability and compliance review. The Miliare Group does not guarantee reinstatement of prior page content, rankings, or email data.

No Refunds

All subscription fees are non-refundable except where required by law.

6. Google Workspace Services (If Selected)

6.1 Service Nature

Workspace services are provided as a convenience and include access to tools such as email, calendar, and collaboration software.

6.2 No Guarantee of Continuity

Workspace services:
● Are tied to your active subscription
● May be suspended or terminated if your subscription ends
● Are subject to third-party provider availability and terms

6.3 Data Responsibility

You are responsible for maintaining backups of any Workspace data. The Miliare Group is not liable for data loss.

7. SEO & Visibility Disclaimer

7.1 No Performance Guarantees

While basic SEO best practices are applied:
● Rankings, traffic, leads, or inquiries are not guaranteed
● Search engine performance depends on many external factors beyond our control

8. Agent Independence & Relationship

8.1 Independent Agents

Agents using the Platform are independent contractors, not employees, partners, or representatives of The Miliare Group.

8.2 No Authority to Bind

You may not:
● Bind The Miliare Group contractually
● Represent yourself as an official spokesperson
● Imply ownership or partnership with The Miliare Group

9. Intellectual Property

9.1 Platform Ownership

All platform software, templates, layouts, branding, and system logic are the exclusive property of The Miliare Group.

9.2 Limited License

You are granted a limited, revocable license to use the Platform solely for its intended purpose while your subscription is active

10. Termination

10.1 By Agent

You may cancel your subscription at any time.

10.2 By The Miliare Group

We may suspend or terminate access:
● For violation of these Terms
● For compliance concerns
● For misuse of the Platform
● To protect legal, regulatory, or reputational interests

11. Limitation of Liability

To the maximum extent permitted by law:
● The Miliare Group is not liable for indirect, incidental, or consequential damages
● Total liability shall not exceed the fees paid by you in the prior 12 months

12. Indemnification

You agree to indemnify and hold harmless The Miliare Group from any claims, damages, or
liabilities arising from:
● Your content
● Your representations to clients or the public
● Your use or misuse of the Platform

13. Modifications to Terms

The Miliare Group may update these Terms from time to time. Continued use of the Platform constitutes acceptance of any revised Terms.

14. Governing Law

These Terms shall be governed by the laws of the State of California, without regard to conflict of law principles.