Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement between you and Override Tech LLC, doing business as Override Agency (“Override Agency,” “we,” “us,” or “our”). These Terms govern your access to and use of the website located at overrideagency.com (the “Site”) and all related services, including our insurance lead qualification and appointment-setting platform (collectively, the “Services”).

By accessing or using our Site or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must discontinue use of our Site and Services immediately.

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1. Description of Services

Override Agency operates an insurance lead qualification and appointment-setting service for licensed insurance producers (“Agents”). Our proprietary systems qualify consumer prospects, collect relevant information, and schedule appointments on behalf of subscribing Agents.

Our Services include:

• Delivery of pre-qualified consumer leads with complete qualification data
• Appointment scheduling directly to your calendar
• Access to a fully configured customer relationship management (CRM) platform with pipeline tracking, automated sequences, and prospect data
• Training resources and community access

Override Agency does not sell insurance policies, provide insurance advice, act as an insurance broker, or make underwriting decisions. All insurance products are offered, quoted, and sold exclusively by independently licensed Agents and carriers. Override Agency facilitates the connection between qualified prospects and Agents — nothing more.

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2. Eligibility

To subscribe to our Services, you must:

• Be at least 18 years of age
• Hold a valid, active insurance license in the state(s) where you intend to conduct business
• Maintain appointments with authorized insurance carriers
• Provide accurate and complete information during the application process
• Comply with all applicable federal, state, and local laws and regulations governing insurance sales and marketing

We reserve the right to verify your credentials and to deny or revoke access to our Services if you fail to meet these requirements at any time.

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3. Account Registration and Access

3.1 Application

Access to our Services requires submission of an application through the Site. Acceptance is at our sole discretion. Meeting the eligibility requirements does not guarantee acceptance.

3.2 Account Credentials

Upon acceptance, you will receive credentials to access our CRM platform. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Promptly notifying us at [email protected] of any unauthorized access or use

Account credentials are non-transferable and may not be shared with any other individual or entity.

3.3 License and Compliance Standing

You must keep your insurance license and carrier appointments current and in good standing throughout the duration of your subscription. You agree to notify us within 5 business days of any suspension, revocation, or material change to your licensure status.

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4. Lead and Appointment Delivery

4.1 Qualification Process

We employ proprietary systems to qualify consumer prospects before delivery. Each lead undergoes screening that may include contact verification, financial assessment, health pre-screening, coverage need identification, and appointment scheduling.

4.2 No Guarantee of Outcomes

You acknowledge and agree that:

• We do not guarantee that any lead or appointment will result in a sale, policy issuance, or any specific outcome
• Conversion depends on factors outside our control, including but not limited to your sales approach, carrier underwriting, and consumer decisions
• While we employ a rigorous qualification process, we do not guarantee that every prospect will be reachable, interested, or eligible for coverage at the time of your appointment
• Lead quality may vary based on market conditions, lead source, and other factors

4.3 Lead Exclusivity

Lead exclusivity terms, if any, are specified in your individual service agreement.

4.4 Your Obligations

You agree to:

• Contact assigned leads and honor scheduled appointments in a professional and timely manner
• Treat all prospects with respect and professionalism
• Not misrepresent Override Agency, its Services, or the nature of your relationship with us to prospects
• Not contact prospects delivered through our Services for purposes unrelated to the insurance inquiry that generated the lead
• Comply with all applicable laws governing your interactions with prospects, including but not limited to telemarketing, consumer privacy, and insurance regulations
• Honor all consumer opt-out and Do Not Call requests

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5. Payment Terms

5.1 Subscription Fees

Subscription fees are outlined in your individual service agreement and are billed on a recurring basis. By subscribing, you authorize us to charge the payment method on file at the agreed-upon intervals.

5.2 Lead Allocation

Your lead allocation per billing cycle is specified in your service agreement. Allocation resets upon successful payment at the start of each billing cycle.

5.3 Late and Failed Payments

• Late or failed payments may result in immediate suspension of lead delivery and platform access
• After three consecutive payment failures, your account may be suspended and lead allocation set to zero
• Reinstatement of a suspended account requires payment of all outstanding balances

5.4 Chargebacks and Disputes

Filing a chargeback or payment dispute against Override Agency will result in immediate suspension of your account. Disputes should be raised directly with us at [email protected] before contacting your payment provider.

5.5 Pricing Changes

We will provide a minimum of 30 days’ written notice before any change to subscription pricing takes effect.

5.6 Refunds

Payments are non-refundable unless otherwise specified in your individual service agreement.

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6. Intellectual Property

All content, materials, software, workflows, branding, qualification methodologies, and proprietary systems available through our Site and Services are the exclusive property of Override Tech LLC or its licensors and are protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use our Site and Services solely for their intended purposes and in accordance with these Terms. You may not:

• Copy, modify, distribute, sell, or lease any part of our Services or included content
• Reverse-engineer, decompile, or attempt to extract the source code of any software or systems
• Use our branding, trademarks, or proprietary materials without prior written consent
• Scrape, crawl, or use automated means to access our Site or Services without authorization
• Resell, sublicense, or redistribute any leads, data, or access obtained through our Services

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7. Confidentiality

You acknowledge that through your use of the Services, you may receive confidential and proprietary information belonging to Override Agency, including but not limited to qualification processes, business methods, pricing structures, and technology. You agree to:

• Maintain the confidentiality of all proprietary information
• Not disclose proprietary information to any third party without our prior written consent
• Use proprietary information solely in connection with your authorized use of the Services

This confidentiality obligation survives termination of your subscription.

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8. Communications Consent

By subscribing to our Services and providing your contact information, you consent to receive communications from Override Agency via:

• Email: Account updates, lead delivery notifications, service announcements, and operational notices
• SMS/Text messages: Lead alerts, appointment notifications, and service-related messages
• Phone: Account-related calls

Message and data rates may apply to text messages. You may opt out of non-essential SMS communications by replying STOP to any message or contacting us at [email protected]. Opting out of operational communications (such as lead delivery notifications) may affect your ability to use the Services effectively.

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9. Prohibited Conduct

You agree not to:

• Use the Site or Services for any unlawful purpose
• Provide false, misleading, or fraudulent information to us or to any prospect
• Interfere with or disrupt the operation of the Site, Services, or CRM platform
• Attempt to gain unauthorized access to any systems, accounts, or data
• Harass, threaten, or harm any prospect, Override Agency employee, or other Agent
• Misrepresent your licensure status, carrier appointments, or professional qualifications
• Engage in any deceptive, predatory, or high-pressure sales practices with prospects delivered through our Services
• Share, resell, or transfer leads or prospect data obtained through the Services to any third party

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10. Disclaimers

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11. Limitation of Liability

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12. Indemnification

You agree to indemnify, defend, and hold harmless Override Tech LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Site or Services
• Your violation of these Terms
• Your violation of any applicable law, regulation, or industry standard
• Any inaccurate or misleading information you provide
• Any interaction with a prospect delivered through our Services, including but not limited to any insurance advice, quote, sale, application, or claim arising therefrom
• Any allegation that your sales practices violate applicable consumer protection laws

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13. Dispute Resolution

13.1 Informal Resolution

Before initiating any formal proceedings, you agree to contact us at [email protected] to attempt to resolve any dispute informally. We will make reasonable efforts to resolve the matter within 30 days.

13.2 Binding Arbitration

If a dispute cannot be resolved informally, you and Override Agency agree to resolve the dispute through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration shall take place in Hudson County, New Jersey, or at another mutually agreed location. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

13.3 Class Action Waiver

13.4 Exceptions

Notwithstanding the above, either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of intellectual property rights.

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14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of laws principles. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in Hudson County, New Jersey.

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15. Termination

15.1 By Override Agency

We may suspend or terminate your access to the Site or Services at any time, with or without notice. Grounds for immediate termination include, but are not limited to:

• Violation of these Terms
• Fraudulent, deceptive, or illegal activity
• Suspension or revocation of your insurance license
• Three or more consecutive payment failures
• Filing a chargeback or payment dispute
• Conduct detrimental to Override Agency’s reputation, operations, or relationships with prospects

15.2 By You

You may cancel your subscription in accordance with the terms of your individual service agreement, subject to a minimum notice period of 14 days. To initiate cancellation, contact us at [email protected].

15.3 Effect of Termination

Upon termination:

• Your right to access and use the Services and CRM platform will cease immediately
• You remain responsible for any outstanding payment obligations
• You must cease all use of Override Agency’s proprietary information and intellectual property
• Sections of these Terms that by their nature should survive termination — including Intellectual Property, Confidentiality, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, and Governing Law — shall survive

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16. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the “Last Updated” date at the top of this page and provide notice to active subscribers via email or through the platform at least 30 days before the changes take effect. Your continued use of the Site or Services after the effective date of any modification constitutes acceptance of the updated Terms.

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17. General Provisions

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

Entire Agreement

These Terms, together with the Privacy Policy and any individual service agreement, constitute the entire agreement between you and Override Agency regarding the subject matter hereof and supersede all prior agreements and understandings.

Assignment

You may not assign or transfer these Terms or any rights hereunder without our prior written consent. We may assign these Terms without restriction.

Force Majeure

Override Agency shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, government actions, or failures of third-party systems or infrastructure.

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18. Contact Us

If you have any questions about these Terms, please contact us: