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").
IUL.org provides business-to-business software, CRM infrastructure, and lead delivery services intended exclusively for licensed insurance professionals and agencies.
The Platform is not intended for personal, household, or consumer use.
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.
"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).
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:
A Location is not authorized to contact Leads generated prior to its creation.
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.
Leads are obtained from third-party publishers. IUL.org does not control publisher forms, disclosures, or consent language.
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.
You may contact a Lead only if you have independently determined that:
You acknowledge that you are solely responsible for compliance determinations.
You are authorized to contact Leads only through Platform Infrastructure, unless expressly approved in writing by IUL.org.
You may not:
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:
IUL.org does not provide global suppression across all Locations.
You agree to pay all fees shown at checkout and all usage-based charges incurred through your Location.
Calls, texts, emails, workflows, and other features are billed based on actual usage as displayed within the Platform.
Usage charges are non-refundable once incurred.
Leads are delivered exclusively to the active Location associated with the order at the time of delivery. Exclusivity applies only while the order remains active and in good standing.
If an order is refunded, reversed, charged back, canceled, or otherwise voided, the order is considered terminated as of the refund timestamp. Upon termination of an order, the Customer forfeits any claim to Leads associated with that order.
Customer acknowledges that individuals who submit their information through IUL.org have requested contact from an authorized representative within the IUL.org network. To ensure those requests are handled, IUL.org may reassign, redistribute, or otherwise reallocate Leads associated with a refunded or voided order to another authorized Location, customer, or partner within the network.
Lead reassignment after refund does not constitute lead sharing and does not affect the exclusivity of Leads delivered to active orders.
Initiating a chargeback, payment reversal, or dispute with a payment processor or financial institution in connection with any charge from IUL.org constitutes a material breach of these Terms, regardless of the outcome of that dispute. Upon IUL.org's discovery of a chargeback or reversal attempt, IUL.org may immediately suspend or terminate the Customer's Account and all associated Locations without notice, without refund of any kind, and without further obligation to deliver Leads or services. Outstanding balances remain due and payable in full.
You may not:
Violations constitute material breach.
IUL.org may suspend or terminate access immediately if:
Upon termination:
If a Customer initiates, threatens, or communicates an intent to pursue any legal claim, lawsuit, arbitration demand, regulatory complaint, or formal dispute of any kind against IUL.org, IUL.org may immediately terminate the Customer's Account and all associated Locations at its sole discretion. Such termination is deemed termination for cause.
Upon termination under this section:
The exercise of any termination right under this section does not constitute a waiver of any other right or remedy available to IUL.org under these Terms or applicable law.
IUL.org has no obligation to continue providing Platform access, Lead delivery, or any other service to a Customer who has threatened or initiated legal action against IUL.org, regardless of the nature or validity of such claim.
You agree to defend, indemnify, and hold harmless IUL.org from all claims arising from:
This includes attorneys' fees and defense costs. IUL.org reserves the right to pursue recovery of defense costs and attorneys' fees as an affirmative claim in any proceeding, including proceedings initiated by the Customer.
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.
Notwithstanding any other provision of these Terms, for any claim, action, or proceeding initiated by IUL.org, including but not limited to actions to recover unpaid balances, enforce these Terms, or pursue counterclaims arising from a Customer dispute, IUL.org may elect, at its sole discretion, to bring such action in Collin County, Texas. Customer consents to personal jurisdiction and venue in Collin County, Texas for any such IUL.org-initiated proceeding.
These Terms constitute the entire agreement.
IUL.org may update these Terms at any time.
Continued use constitutes acceptance.