Terms of Service

1. About Prospect

Prospect is a software-as-a-service (SaaS) platform that helps independent insurance agencies create, launch, and manage Meta (Facebook/Instagram) advertising campaigns and mobile-optimized quiz funnels for the purpose of lead generation. Prospect is a tool — we do not manage your advertising accounts, spend your budget, or guarantee leads or results.

2. Eligibility

To use Prospect, you must:

• Be at least 18 years of age
• Operate a lawful business in the United States
• Have the authority to bind your business to these Terms
• Comply with Meta's Terms of Service, Advertising Policies, and any applicable laws

By using Prospect, you represent and warrant that you meet all of the above requirements.

3. Account Registration

You must create an account to access the platform. You are responsible for:

• Keeping your login credentials confidential
• All activity that occurs under your account
• Promptly notifying us of any unauthorized use at aaryan@hireremedy.com

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Lifetime Deal — Special Terms

Prospect offers a one-time lifetime access plan ("Lifetime Deal") at a fixed price of $50 USD. The Lifetime Deal is subject to the following terms:

4.1 What's Included

The Lifetime Deal grants you access to all core features of the Prospect platform as available at the time of purchase and in future updates, excluding any features that require AI services (such as AI chatbots, AI-generated ad copy, or AI-driven optimization tools). AI features, if added in the future, will be available only through separately priced plans.

4.2 No Refunds

ALL PURCHASES OF THE LIFETIME DEAL ARE FINAL AND NON-REFUNDABLE. By completing your purchase, you acknowledge that you have reviewed the product, understand what is included, and agree that no refunds will be issued under any circumstances, including but not limited to dissatisfaction, change of mind, or business closure.

4.3 No Guarantee of Perpetual Access

While we intend to honor lifetime access for as long as the platform operates, Remedy Marketing LLC does not guarantee that Prospect will remain available indefinitely. In the event that the platform is discontinued, we will make reasonable efforts to provide advance notice but will not be obligated to issue refunds.

4.4 One Account Per Purchase

Each Lifetime Deal purchase is for one workspace/account. It is non-transferable and may not be resold.

5. Subscription Plans and Billing

5.1 Free Trial

When Prospect launches publicly, new users will receive a 14-day free trial with full access to the platform. No payment information may be required to start a trial. At the end of the trial period, you must select a paid plan to continue using Prospect. If you do not subscribe, your account will be paused and you will lose access to platform features (your data will be retained for a reasonable period).

5.2 Paid Subscription Plans

After your free trial, Prospect is available on a monthly subscription basis. Your billing cycle begins on the date you subscribe to a paid plan ("Billing Date"). You will be charged on your Billing Date each month going forward.

5.3 Price Changes

We reserve the right to change subscription pricing at any time. However, we will provide you with at least 30 days' advance written notice (by email) before any price increase takes effect on your account. If you do not wish to continue at the new price, you may cancel your subscription before the new price takes effect and you will not be charged the higher amount.

5.4 Cancellation

You may cancel your subscription at any time from your account settings or by contacting us at aaryan@hireremedy.com. If you cancel, your subscription will remain active through the end of your current paid billing period and will not renew. You will not be charged for the following month. For example, if your billing date is the 1st of each month and you cancel in November, you will not be charged for December and your access will continue through the end of November.

5.5 Plan Upgrades

If you upgrade from one subscription plan to a higher-tier plan, your new Billing Date will reset to the date of the upgrade. You will be charged the full amount of the new plan on the day you upgrade, and then again on that same date each month going forward. For example, if you originally subscribed on January 1st and upgrade to a higher plan on January 15th, you will be charged the new plan rate on January 15th, and your next charge will be February 15th. We do not currently offer prorated credits for mid-cycle upgrades. By upgrading, you acknowledge and agree to this billing structure.

5.6 Plan Downgrades

If you downgrade to a lower-tier plan, the change will take effect at the start of your next billing cycle. You will retain access to your current plan features through the end of the billing period in which you request the downgrade.

5.7 Failed Payments

If a payment fails, we will notify you by email and attempt to retry the charge. If payment is not resolved within a reasonable period, we reserve the right to suspend your account until the outstanding balance is settled.

6. Permitted Use

You may use Prospect to:

• Build and publish quiz funnels for lead generation purposes
• Create and manage Meta ad campaigns through your connected Meta account
• Capture and export lead contact information
• Track attribution and campaign performance

You may NOT use Prospect to:

• Violate any applicable law, regulation, or third-party terms of service (including Meta's policies)
• Create funnels that contain false, misleading, or deceptive content
• Collect data from minors under the age of 13
• Send unsolicited communications (spam) to leads captured through the platform
• Attempt to reverse-engineer, copy, or resell the Prospect platform
• Use the platform for any unlawful purpose including insurance fraud

7. Meta Integration and Advertising

Prospect integrates with Meta's Marketing API to allow you to create and manage advertising campaigns. By connecting your Meta account:

• You authorize Prospect to act on your behalf within the permissions you grant
• You remain solely responsible for all ad spend, targeting decisions, creative content, and compliance with Meta's advertising policies
• You acknowledge that Meta's platforms are third-party services and we are not responsible for Meta's actions, API availability, or policy changes
• You agree to comply with all applicable advertising laws including the FTC's guidelines on endorsements and truthful advertising

Insurance advertising on Meta is subject to special ad category rules. You are responsible for properly categorizing your campaigns and complying with all applicable regulations, including state insurance advertising laws and CMS guidelines for Medicare-related products.

8. Funnels and Lead Data

8.1 Your Responsibility as the Data Controller

When you create a funnel using Prospect and deploy it to collect leads, you are the data controller for any personal information collected from end users (insurance consumers). You are responsible for:

• Posting your own Terms of Service and Privacy Policy on all funnels you create
• Obtaining proper consent from end users where required by law
• Compliance with applicable data privacy laws (including TCPA, CAN-SPAM, CCPA, and any state-specific insurance regulations)
• Ensuring your funnels comply with CMS guidelines if you are collecting Medicare-related leads

Prospect is a technology tool. We are not responsible for how you collect, use, store, or share the leads generated through your funnels.

8.2 CRM and Third-Party Integrations

Prospect may allow you to connect third-party CRM or lead management tools to receive your funnel leads. You are responsible for ensuring those integrations comply with all applicable laws and the privacy policies of those third-party services. Prospect is not responsible for any third-party service's handling of your data.

9. Approvals Workflow

Prospect includes an optional client approval workflow that allows you to route campaigns for review before launch. This feature is provided as a convenience tool only. Prospect does not review, validate, or approve the content of your campaigns. Final responsibility for campaign content and compliance rests with you.

10. Intellectual Property

All software, design, templates, and content comprising the Prospect platform are owned by Remedy Marketing LLC and protected by applicable intellectual property laws. Your use of the platform does not grant you ownership of any Prospect intellectual property.

You retain ownership of content you create using Prospect, including your funnel content, ad copy, and lead data. By using Prospect, you grant us a limited license to host, transmit, and process your content solely to provide the service.

11. Privacy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy carefully.

12. Disclaimers

PROSPECT IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT IT WILL MEET YOUR SPECIFIC BUSINESS OBJECTIVES. WE DO NOT GUARANTEE ANY PARTICULAR ADVERTISING RESULTS, LEAD VOLUME, OR LEAD QUALITY.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, REMEDY MARKETING LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF PROSPECT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM (OR $50 FOR LIFETIME DEAL USERS).

14. Indemnification

You agree to indemnify, defend, and hold harmless Remedy Marketing LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from: (a) your use of the platform; (b) your funnel content or advertising campaigns; (c) your violation of these Terms; (d) your violation of any applicable law or third-party rights; or (e) any data you collect from end users.

15. Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms, abusive behavior, or fraudulent activity. Upon termination, your right to use the platform ceases immediately. Provisions that by their nature should survive termination will do so, including Sections 10, 12, 13, and 14.

16. Modifications to Terms

We may update these Terms at any time. We will notify you of material changes by email or through the platform. Your continued use of Prospect after changes become effective constitutes acceptance of the new Terms.

17. Governing Law and Dispute Resolution

17.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any court proceedings permitted under these Terms shall be brought exclusively in the state or federal courts located in New York County (Manhattan), New York, and you consent to personal jurisdiction in those courts.

17.2 Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except as provided in Section 17.3 below, any dispute, claim, or controversy arising out of or relating to these Terms or your use of Prospect (including questions about the existence, validity, or termination of these Terms) shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in New York County, New York, or remotely at the arbitrator's discretion. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

17.3 Small Claims and Injunctive Relief Carve-Out

Notwithstanding Section 17.2, either party may bring an individual claim in small claims court if the claim qualifies. Either party may also seek emergency injunctive or equitable relief from a court of competent jurisdiction to prevent irreparable harm pending arbitration, without waiving the right to arbitrate the underlying claim.

17.4 CLASS ACTION WAIVER

YOU AND REMEDY MARKETING LLC EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, BOTH PARTIES WAIVE ANY RIGHT TO A JURY TRIAL.

17.5 Arbitration Opt-Out

You may opt out of binding arbitration within 30 days of first accepting these Terms by emailing aaryan@hireremedy.com with the subject line "Arbitration Opt-Out" and your account name. If you opt out, disputes will be resolved in the courts specified in Section 17.1 above.

18. TCPA and Telephone Compliance

Agency Users are solely and exclusively responsible for compliance with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, applicable state telemarketing laws, and any other laws governing how they contact leads captured through Prospect funnels. This includes but is not limited to:

• Obtaining proper prior express written consent before sending any text messages or making autodialed or prerecorded calls to leads
• Maintaining and honoring do-not-call (DNC) lists
• Including required opt-out mechanisms in all communications
• Compliance with any state-specific calling or texting regulations

Prospect is a technology platform that facilitates lead capture. We do not send any communications to leads on your behalf, and we have no control over how you contact or follow up with leads you collect. Any TCPA violation, regulatory action, fine, or lawsuit arising from your outreach to leads is your sole responsibility. You agree to indemnify and hold harmless Remedy Marketing LLC from any claims, penalties, or damages arising from your TCPA or telemarketing compliance failures.

19. Platform Content and Funnel Liability Shield

Prospect is a passive technology platform. We do not create, review, edit, approve, or endorse the content of any funnels, ads, landing pages, or other materials that Agency Users create using the platform. Agency Users are solely responsible for:

• All content published in their funnels, including questions, copy, imagery, and offers
• Ensuring their funnel content is truthful, non-deceptive, and compliant with applicable advertising and insurance regulations
• Compliance with CMS guidelines for any Medicare Advantage, Medicare Supplement, or ACA-related funnels
• Compliance with state insurance advertising laws in every state where their funnels are distributed

Remedy Marketing LLC expressly disclaims any liability for the content of user-created funnels. If a third party brings a claim arising from the content of your funnel, that claim is your responsibility entirely. We reserve the right to remove any funnel content that we determine, in our sole discretion, violates these Terms or applicable law, without prior notice and without liability to you.

20. Service Availability and Uptime

Prospect is provided on an "as available" basis. We do not guarantee any specific level of uptime, availability, or performance. The platform may experience downtime for scheduled maintenance, unscheduled outages, third-party infrastructure failures (including Netlify, Supabase, or Meta API disruptions), or other reasons beyond our control. We are not liable for any lost leads, lost revenue, or other damages arising from platform downtime or unavailability. Downtime does not entitle you to a refund, credit, or fee reduction unless we explicitly offer one in writing. We may introduce a formal Service Level Agreement (SLA) for higher-tier plans in the future, but no such SLA exists at this time.

21. Force Majeure

Remedy Marketing LLC shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from any cause beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemics, war, terrorism, civil unrest, government actions, internet or telecommunications outages, third-party service failures (including Meta, Netlify, Supabase, or payment processors), cyberattacks, or changes in applicable law or regulation. In such events, our obligations will be suspended for the duration of the force majeure event, and we will use commercially reasonable efforts to resume normal operations as soon as practicable.

22. Data Breach Notification

In the event of a confirmed data breach affecting personal information stored on Prospect's systems, we will notify affected Agency Users in accordance with applicable law. We will make reasonable efforts to notify you within 72 hours of becoming aware of a breach that is likely to result in a risk to your rights or the rights of your end users, where technically feasible.

You acknowledge and agree that:

• Our breach notification obligation applies only to data breaches caused by failures within our direct control
• We are not responsible for breaches caused by your own account credentials being compromised, your own misconfiguration of platform settings, or the actions of third-party integrations you have connected to your account
• Our total liability for any data breach, regardless of cause, is capped as set forth in Section 13 (Limitation of Liability)

Agency Users are independently responsible for notifying their own end users (insurance consumers) of any breach affecting personal data collected through their funnels, as Agency Users are the data controllers for that information.

23. Early Access and Beta Disclaimer

Users who purchase the Lifetime Deal or join Prospect during its initial launch period ("Early Access Users" or "Founding Members") acknowledge that they are accessing the platform at an early stage of development. As an Early Access User:

• You understand that features may be incomplete, subject to change, added, modified, or removed without prior notice
• You may encounter bugs, errors, or service interruptions more frequently than on a mature platform
• Certain features described in our marketing materials may not yet be available and will be released over time
• Your feedback may be used to improve the platform

The reduced pricing of the Lifetime Deal reflects the early-stage nature of the product. Early access to Prospect does not constitute a guarantee of any specific feature set, roadmap, or release timeline. Remedy Marketing LLC makes no representations about when or whether any specific feature will be built or released.

24. Non-Solicitation

During your use of the Prospect platform and for a period of twelve (12) months following the termination or expiration of your account for any reason, you agree not to directly or indirectly solicit, recruit, hire, or encourage any employee, contractor, or freelancer of Remedy Marketing LLC who you became aware of through your use of the platform to leave their engagement with Remedy Marketing LLC or to work for you or any competing business. A violation of this clause entitles Remedy Marketing LLC to seek injunctive relief and damages without the requirement to post a bond.

25. Assignment

You may not assign or transfer your rights or obligations under these Terms, in whole or in part, without our prior written consent. Any attempted assignment without consent is void. Remedy Marketing LLC may freely assign these Terms and all rights and obligations hereunder to any affiliate, successor, or acquirer in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of our assets, without your consent and without prior notice. These Terms will be binding upon and inure to the benefit of the parties and their respective permitted successors and assigns.

26. Acceptable Use Enforcement

Violations of Section 6 (Permitted Use) or any other provision of these Terms may result in immediate account suspension or termination without notice and without refund of any fees paid, including Lifetime Deal fees. Specifically: If your account is terminated for cause (including but not limited to AUP violations, fraudulent activity, illegal use, or TCPA violations), you forfeit any remaining subscription period and no refund will be issued. Termination for cause does not limit our ability to pursue any other legal remedies available to us. We reserve the right to report illegal activity to law enforcement authorities. We are not liable to you or any third party for any consequences of suspending or terminating your account for violations of these Terms.

27. Feedback and Intellectual Property Assignment

If you provide Remedy Marketing LLC with any feedback, ideas, suggestions, feature requests, recommendations, or other input regarding the Prospect platform ("Feedback"), you hereby irrevocably assign to Remedy Marketing LLC all right, title, and interest in and to that Feedback, including all intellectual property rights therein, without any obligation of compensation, attribution, confidentiality, or accounting to you. You acknowledge that we may use, reproduce, modify, distribute, and commercialize any Feedback in any manner and for any purpose without restriction. You represent that any Feedback you provide is your original work and does not infringe the rights of any third party.

28. Electronic Signatures and Consent to Terms

By creating an account, clicking "I Agree," checking an acceptance box, or otherwise indicating your acceptance of these Terms electronically, you agree that such action constitutes your legally binding electronic signature and your agreement to be bound by these Terms, in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq., and applicable state electronic signature laws. You consent to conduct business electronically and agree that electronic records and signatures have the same legal effect as paper documents and handwritten signatures. You may request a paper copy of these Terms at any time by contacting us at aaryan@hireremedy.com.

29. Publicity and Logo Rights

By using Prospect, you grant Remedy Marketing LLC a non-exclusive, royalty-free, worldwide license to use your business name, trade name, and logo solely for the purpose of identifying you as a Prospect customer in our marketing materials, website, case studies, investor presentations, and promotional content. We will not make any specific claims about your business results without your prior written approval. If you do not wish to be identified as a customer, you may opt out at any time by emailing aaryan@hireremedy.com with the subject line "Publicity Opt-Out" and we will promptly remove your name and logo from our materials.

30. Third-Party Services Disclaimer

Prospect integrates with and relies upon third-party services including but not limited to Meta (Facebook/Instagram), Supabase, Netlify, and payment processors ("Third-Party Services"). We make no representations, warranties, or guarantees regarding the availability, reliability, accuracy, or performance of any Third-Party Service. We are not responsible for:

• Disruptions, outages, policy changes, or terminations of any Third-Party Service
• Meta restricting, suspending, or terminating your ad account or Business Manager
• Changes to Meta's advertising policies or API that affect your ability to run campaigns
• Data loss or errors caused by Third-Party Service failures
• Any fees, penalties, or losses arising from your use of Third-Party Services

Your use of any Third-Party Service is governed by that service's own terms of service and privacy policy. We encourage you to review those terms carefully. Any dispute with a Third-Party Service must be resolved directly with that service provider.

31. Account Inactivity and Dormant Accounts

For monthly subscription users, if your payment fails and your account remains unpaid for 30 days or more, we reserve the right to suspend your account and eventually purge your data with at least 30 days' prior email notice. For Lifetime Deal users, if your account has had no login activity for a continuous period of 24 months, we may designate your account as dormant. We will send at least two email notices to your registered email address before taking any action on a dormant account. We reserve the right to archive or delete data from dormant accounts after providing the required notice, and we will not be liable for any data loss resulting from dormancy procedures where proper notice was given.

32. Sanctions and Export Compliance

By using Prospect, you represent and warrant that: (a) you are not located in, organized under the laws of, or ordinarily resident in any country or territory subject to comprehensive U.S. sanctions administered by the Office of Foreign Assets Control (OFAC), including but not limited to Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine; (b) you are not identified on any OFAC sanctions list, including the Specially Designated Nationals and Blocked Persons List; and (c) your use of Prospect will comply with all applicable U.S. export control and sanctions laws and regulations. We reserve the right to terminate your account immediately and without refund if we determine that you are in violation of this section.

33. Platform Modification Rights

Remedy Marketing LLC reserves the right, at any time and in our sole discretion, to modify, update, suspend, discontinue, or remove any feature, functionality, or aspect of the Prospect platform, with or without notice. This includes but is not limited to: changing the user interface, modifying or removing integrations, altering template libraries, updating funnel rendering behavior, and changing reporting or analytics features. We will make reasonable efforts to notify users of significant changes through in-app notifications or email, but we are not obligated to do so for minor updates. No modification to the platform creates any liability to you, entitles you to a refund, or constitutes a breach of these Terms, including for Lifetime Deal users.

34. Communications and Marketing Consent

By creating an account on Prospect, you consent to receive transactional communications from us electronically, including account confirmations, receipts, password resets, security alerts, and notices related to your account or these Terms. These transactional communications are necessary for the operation of the service and cannot be opted out of while your account is active. You also consent to receive product update emails, feature announcements, tips, and other marketing communications from Remedy Marketing LLC. You may opt out of marketing communications at any time by clicking the unsubscribe link in any marketing email or by emailing aaryan@hireremedy.com. Opting out of marketing communications will not affect your receipt of transactional communications.

35. Entire Agreement and Severability

These Terms, together with our Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and Remedy Marketing LLC regarding your use of Prospect and supersede all prior or contemporaneous agreements, representations, or understandings. If any provision of these Terms is found to be invalid or unenforceable by a court or arbitrator of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

36. Contact

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

Remedy Marketing LLC
Email: aaryan@hireremedy.com
Platform: useprospect.io