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.
"Lead" means a consumer who meets IUL.org's qualification criteria, has submitted an opt-in to receive marketing calls and text messages from IUL.org and its Authorized Representatives, and is delivered to your CRM sub-account. Every Lead is described by their demographic and/or the product being marketed to them. As with any lead source, interest and purchase decisions vary and are not guaranteed. Examples:
Demographic and product descriptions are commonly combined. For example, a Homeowner IUL Lead is a Homeowner Lead who will receive IUL marketing.
"Authorized Representative" means a Customer or other person granted access to the IUL.org CRM. An Authorized Representative is authorized to contact Leads delivered to their CRM sub-account, consistent with the consent those consumers provided to IUL.org and its Authorized Representatives.
"CRM" means the customer relationship management software, environment, and related access made available to you as part of your order.
"Script" means the IUL phone script made available to you as part of your order. The Script is provided for operational convenience only and is not legal, compliance, or results advice.
"IUL Education System" means the automated email education sequence made available as part of your order, which delivers IUL educational content to your Leads under your brand on a recurring basis for the purpose of soliciting engagement and surfacing interest over time. Engagement, interest, reply, and unsubscribe rates vary and are not guaranteed.
Each CRM sub-account you create within the platform is authorized by IUL.org to receive and contact Leads delivered to that sub-account after its creation timestamp.
Authorization is limited to:
A sub-account is not authorized to contact Leads delivered prior to its creation.
Authorization under this Section is platform permission to use the system. It is not a determination that your outreach is lawful and is not a substitute for your own consent and compliance determination under Section 5.5.
You are an independent business using a platform. Except as stated in this Section, nothing in these Terms creates a partnership, joint venture, employment relationship, or general agency relationship between you and IUL.org.
Solely for the limited purpose of contacting Leads delivered to your CRM sub-account, and solely to give effect to the consent those consumers provided to IUL.org and its Authorized Representatives, you act as an Authorized Representative of IUL.org. This limited status applies only to that purpose and does not make you IUL.org's agent for any other matter.
By submitting payment to IUL.org, you acknowledge and agree that all amounts paid are final and non-refundable. This includes, without limitation:
You acknowledge that the results you achieve using the platform depend on factors outside of IUL.org's control, including but not limited to your sales skill, licensing status, follow-up cadence, market conditions, and your compliance with applicable law. IUL.org makes no guarantee of any specific business outcome, contact rate, appointment rate, engagement rate, or revenue result. Your inability to achieve a particular outcome does not entitle you to a refund.
If you cancel your account, terminate your subscription, or your account is suspended or terminated by IUL.org for any reason, you are not entitled to any cash refund, prorated or otherwise. Treatment of prepaid but undelivered Leads is addressed in Sections 7.3 and 9.
IUL.org does not offer refunds based on Customer dissatisfaction, change of mind, change in business circumstances, failure to use the platform, or any reason not expressly provided by applicable non-waivable law.
By completing any purchase, you affirmatively accept this no-refund policy and waive any claim to refund of any payment made to IUL.org, except where such waiver is prohibited by applicable law.
Each Lead is collected through an opt-in in which the consumer provides prior express written consent, by electronic signature, authorizing IUL.org and its Authorized Representatives to contact them by phone call and text message at the number they provided, including by autodialer and prerecorded, artificial, or AI voice, even if the number is on a state or federal Do Not Call list. The controlling consent for any Lead is the consent record captured at the time of collection, including its TrustedForm certificate. Email outreach to Leads must comply with CAN-SPAM, including honoring every unsubscribe request.
The TrustedForm certificate for each Lead is sent to you by email when the Lead is delivered. You are responsible for keeping your own copies of these certificates and any other consent records for every Lead you contact.
If a Lead asks not to be contacted, by any reasonable means, you must stop contacting them promptly. If IUL.org receives such a request, it may suppress the Lead in your sub-account and notify you.
Every Lead is generated through a consumer opt-in designed to capture the consent described in Section 5.1, and is delivered with its TrustedForm certificate. IUL.org relies on its lead generation systems and vendors to capture and record consent and does not individually review each certificate. The TrustedForm certificate is the record of what each consumer agreed to. Consent is described only as of the moment the Lead was generated. IUL.org makes no promise that it remains valid afterward, including if the consumer later revokes it or their number is disconnected or reassigned, or that it is sufficient for any particular outreach method or use. Lead replacement, if any, is available only under IUL.org's Partner Guarantee at iul.org/partnerguarantee and only to the extent that guarantee applies to your order. Leads in your initial order are not eligible for replacement.
For all outreach you conduct to Leads, whether through the platform or through your own systems, you are the "seller" and "telemarketer" as those terms are defined under the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule (TSR), and analogous state telemarketing laws. You are the party responsible to consumers and regulators for the lawfulness of your outreach.
You may contact a Lead only if you have independently determined that:
You acknowledge that you are solely responsible for compliance determinations.
You may contact Leads through platform infrastructure or, at your election, export Leads and contact them through your own systems, subject to this Section.
If you export Leads or contact them outside the platform, you are solely responsible for that contact, including:
Platform opt-out handling and suppression do not apply to contact made outside the platform. Your indemnification obligations under Section 12 apply in full to any off-platform contact.
Opt-out handling and suppression within the platform are managed at the sub-account level.
When a lead opts out through platform infrastructure, IUL.org will suppress that lead for the applicable sub-account only.
You remain independently responsible for:
IUL.org does not provide global suppression across all sub-accounts.
Lead data is licensed, not sold, to the Customer, solely for the Customer's own insurance marketing, sales, and servicing. To protect the chain of consent under which each consumer agreed to be contacted by IUL.org and its Authorized Representatives, you may not resell, broker, share, or redistribute lead data to any third party, or use it for any purpose unrelated to insurance services. The license for lead data delivered under an order terminates immediately if that order is refunded, reversed, or charged back, or if your account is terminated for breach of these Terms. Any retention, export, or use of that lead data after termination is unauthorized and constitutes a material breach of these Terms, except that you may keep consent records you are required by law to retain or need to defend a claim, and use them only for those purposes. Leads from orders that were paid and not reversed remain licensed to you after you cancel or your CRM access ends, provided you are not in breach of these Terms.
IUL.org and its service providers may access and analyze activity within your CRM sub-account, including logins, feature usage, lead delivery, call and text volume, and email delivery, open, click, reply, and unsubscribe data, to operate and support the platform, measure and improve performance, provide coaching and recommendations, and detect violations of these Terms. IUL.org may use this data in aggregated or de-identified form, including for benchmarks and performance reporting. IUL.org will not access the content of your communications or contacts you add outside of Leads except as needed for support you request, security, or legal compliance.
You agree to pay all fees shown at checkout and all usage-based charges incurred through your account. Your order includes the first year of CRM access. CRM access then renews automatically each year at $100 per year, charged to your payment method on file, until canceled. All charges are non-refundable as set forth in Section 4.
Usage means actions you take in the CRM and actions the CRM takes on your behalf, including emails, email verification, calls, texts, workflows, and other features. Usage is billed based on actual usage at the rates published at iul.org/usage and as displayed within the platform.
If an order is refunded, reversed, charged back, canceled, or otherwise voided, the order is considered terminated as of the reversal timestamp. Upon termination of an order, the Customer forfeits any claim to Leads not yet delivered under that order.
Nothing in these Terms limits or waives any right you may have to dispute a charge with your financial institution. However, if any payment is reversed, charged back, or refunded to you after the corresponding Leads, access, or services were delivered or made available, the underlying amount remains contractually owed to IUL.org as a debt, independent of the outcome of any payment-processor dispute. You remain responsible for any amount ultimately determined to be owed for products or services received.
Upon a reversal or chargeback, IUL.org may suspend or terminate your account and associated sub-accounts and may cease further delivery of Leads or services. Amounts owed under this Section remain due and payable in full, together with interest and collection costs under Section 7.7.
IUL.org is not liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to outages or failures of upstream service providers (such as CRM, telephony, messaging, or email vendors), carrier blocking, internet infrastructure issues, acts of God, labor disputes, governmental action, or other force majeure events. Service interruptions caused by such events do not entitle Customer to a refund, credit, or other remedy.
Payments under these Terms are processed through OKEC LLC, which acts as the authorized payment processor and merchant of record on behalf of Media Holding Group LLC d/b/a IUL.org. Charges may appear on your card or bank statement as OKEC LLC, IUL.org, or a related descriptor.
Your contractual relationship for the platform and services is with Media Holding Group LLC. Media Holding Group LLC and OKEC LLC are affiliated entities. Each is an intended third-party beneficiary of these Terms and each has the independent right to enforce these Terms, including the right to invoice, collect, and recover any amount owed and to exercise any remedy available under these Terms.
Payment made to OKEC LLC satisfies your corresponding payment obligation to Media Holding Group LLC. You agree not to dispute a charge solely on the basis that it was processed or billed by OKEC LLC rather than Media Holding Group LLC, or solely on the basis of the name shown in any billing descriptor.
Any amount that remains due and unpaid constitutes a past-due debt owed to IUL.org. This includes, without limitation, outstanding usage charges, fees, and balances, and any charge that is reversed, charged back, or refunded to the Customer and not repaid.
For any past-due amount, IUL.org may, at its sole discretion and without further notice:
Past-due amounts accrue interest at the rate of 1.5% per month, or the maximum rate permitted by applicable law, whichever is lower, from the date the amount became due until paid in full. The Customer is responsible for all costs of collection, including collection agency fees, court costs, and reasonable attorneys' fees.
Upon activation, the following services are enabled by default as part of IUL.org's standard process: (a) email verification of Leads delivered to your sub-account and of any contacts you upload, and (b) the IUL Education System. Both generate usage-based charges at the rates published at iul.org/usage.
Usage-based charges are deducted from a prepaid balance in your account. When the balance runs low, your payment method on file is automatically charged in increments of $10, or a higher amount you select. By completing your order, you authorize these recurring automatic charges. Each reload appears as a separate charge on your statement, and every usage charge is itemized in your account's billing tab. A reload charge is not a duplicate or unauthorized charge.
Each Lead is sold to one customer per product. IUL.org never sells your Lead to another customer for the same product, but the same consumer may be sold to other customers for other products.
IUL.org cannot guarantee that another agent will not eventually market the same product to your Lead, especially if your Lead independently researches it on search or social platforms. For example, an IMO may have a 'bounty lead' program that releases your client information to other agents after you leave the IMO.
You may not:
Violations constitute material breach.
IUL.org may suspend or terminate access immediately if:
Upon termination:
If a Customer initiates a lawsuit, court proceeding, or formal legal claim against IUL.org, other than a permitted arbitration under Section 13.2 or a protected report under Section 9.2, IUL.org may immediately terminate the Customer's account and all associated sub-accounts at its sole discretion. Such termination is deemed termination for cause, and IUL.org has no obligation to continue providing platform access, lead delivery, or any other service during or after such a dispute.
Upon termination under this Section:
The exercise of any termination right under this Section does not waive any other right or remedy available to IUL.org under these Terms or applicable law.
Nothing in these Terms prevents, restricts, or penalizes you from reporting suspected violations of law, or providing information or testimony, to any government agency, regulator, or law enforcement body, including any state department of insurance, the Federal Trade Commission, the Federal Communications Commission, or any attorney general. IUL.org will not terminate, suspend, retaliate against, or assert breach against a Customer solely for making such a protected report. This Section does not limit IUL.org's rights under Section 9.1 with respect to a lawsuit or arbitration demand.
You agree to defend, indemnify, and hold harmless IUL.org from all claims to the extent 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 the laws of the State of Delaware, without regard to its conflict of laws principles.
Except for the carve-outs in this Section, any dispute, claim, or controversy arising out of or relating to these Terms or the services, including their formation, interpretation, breach, or termination, that cannot be resolved informally shall be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted before a single arbitrator, seated in Collin County, Texas, and judgment on the award may be entered in any court of competent jurisdiction.
Carve-outs: Either party may bring a qualifying individual claim in small claims court. Notwithstanding this Section, IUL.org may bring an action in court, as provided in Sections 13.4 and 13.5, to collect past-due or owed amounts, to seek injunctive or equitable relief, or to protect its intellectual property or platform. Nothing in this Section limits your right to make a protected report to a regulator under Section 9.2.
Informal resolution: Before initiating arbitration, the party raising a dispute will send the other party written notice describing the dispute and the relief sought, and will allow thirty (30) days to resolve it informally. Filing a permitted arbitration after that period does not constitute a lawsuit, court proceeding, or legal claim for purposes of Section 9.
To the maximum extent permitted by law, Customer waives any right to participate in a class action, collective action, or representative action against IUL.org. All claims must be brought in the Customer's individual capacity, whether in arbitration or in court.
For any claim, action, or proceeding permitted to be brought in court under these Terms, venue shall lie exclusively in the state or federal courts located in Collin County, Texas. Customer consents to personal jurisdiction and venue in those courts and waives any objection to such venue, including any objection based on forum non conveniens.
Notwithstanding Section 13.4, for any court action initiated by IUL.org, including actions to recover unpaid or owed amounts, enforce these Terms, or pursue counterclaims arising from a Customer dispute, IUL.org may elect, at its sole discretion, to bring such action in any court of competent jurisdiction, including in any jurisdiction where the Customer resides, holds a professional license, or transacts business.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect. If the class action waiver in Section 13.3 is held unenforceable as to any claim, that claim shall be severed and proceed in court, while all other claims shall remain subject to the individual-claim requirement.
The following sections survive any termination or expiration of these Terms: Section 4 (No Refunds), Section 6.2 (Off-Platform Contact), Section 6.4 (Lead Data License), Section 7 (Billing and Usage, including Section 7.4 Reversed and Disputed Charges, Section 7.6 Payment Processing, Section 7.7 Collections, Section 7.9 Prepaid Balance and Automatic Reloads, and all outstanding balances), Section 8 (Acceptable Use, as applied to post-termination conduct), Section 10 (Disclaimers), Section 11 (Limitation of Liability), Section 12 (Indemnification), Section 13 (Governing Law and Disputes), and any other provision that by its nature is intended to survive termination.
These Terms, together with any order documents and policies incorporated by reference, constitute the entire agreement between Customer and IUL.org and supersede all prior agreements, proposals, or representations, written or oral, regarding the subject matter.
IUL.org may update these Terms at any time. Material changes will be communicated by email to the Customer's account email address or by notice within the platform. Continued use of the platform after such notice constitutes acceptance of the updated Terms.
Customer may not assign or transfer these Terms or any rights under them without the prior written consent of IUL.org. IUL.org may assign these Terms without restriction.
The failure of IUL.org to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.