Terms of Use

This document is a working draft and should be reviewed by counsel before publication.

1. Who we are and what this covers

PlondoLife (“PlondoLife,” “we,” “us,” or “our”) operates plondolife.com, the PlondoLife agent platform, and the related APIs, mobile experiences, and customer support channels (collectively, the “Service”). Our principal mailing address is 175 Richland Place Dr, Monroe, LA 71203. All insurance policies referenced through the Service are issued by licensed third-party carriers — we are the licensed brokerage that connects you with the carrier whose product fits.

By accessing or using the Service, you agree to these Terms of Use, our Privacy Policy, our Licensing & Disclosures, and our AI Systems Notice. If you do not agree, do not use the Service.

2. Who can use the Service

You must be at least 18 years old, a U.S. resident with a valid mailing address, and able to enter into a binding contract. If you create an agent account, you also confirm that you hold (or are pursuing) the licenses required for the products you intend to sell, and that you’re authorized to enter into independent-contractor agreements with our affiliated entities.

3. License to use the Service

We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial use (or, for licensed agents, for the conduct of your independent business with PlondoLife). All rights not expressly granted are reserved.

4. Account responsibilities

You’re responsible for the security of your credentials and for any activity under your account. Use a strong, unique password, enable multi-factor authentication where offered, and tell us immediately at support@plondo.com if you suspect unauthorized access. We may suspend or terminate accounts that violate these terms or that pose a security or compliance risk.

5. User-submitted content

If you submit content to the Service — questions, comments, profile photos, agent biographies, training feedback, documents, or anything else (“User Content”) — you keep ownership of it. You grant PlondoLife a worldwide, royalty-free, non-exclusive, sublicensable license to host, store, reproduce, adapt, display, and distribute your User Content as part of operating the Service and our business. You confirm that the content is yours to share, that posting it does not violate anyone else’s rights or applicable law, and that it’s not unlawful, defamatory, or harmful. We can remove User Content at our discretion, especially if it violates these terms or applicable law. We do not pre-screen everything users post, and we’re not responsible for what users say to each other.

6. Acceptable use

You agree not to:

• Attempt to gain unauthorized access to any account, system, network, or data through the Service.
• Submit false, misleading, or fraudulent information on any form.
• Scrape, harvest, copy, frame, or redistribute the Service or its content for commercial use without our written permission.
• Reverse engineer, decompile, or disassemble any part of the Service, except where applicable law expressly permits it.
• Interfere with, disrupt, or place an unreasonable load on the Service or its security features.
• Use the Service in violation of U.S. federal, state, or local law (including export-control and sanctions law).
• Use the Service to harass, defame, or harm any other user, agent, or third party.
• Use bots, crawlers, or any automated means to access the Service except for the limited purposes permitted by our robots.txt.

7. Quotes and insurance decisions are not made on this site

Quotes displayed on or generated through the Service are illustrative and depend on information you provide. Eligibility, final premiums, riders, benefits, and policy terms are determined by the carrier’s underwriting process. A quote is not a binder of insurance, an offer of coverage, or a guarantee of future premium. Coverage takes effect only after the carrier issues the policy and the initial premium has been paid.

8. Intellectual property and trademarks

The PlondoLife name, logos, and all original content on the Service (text, graphics, code, illustrations, copy, and arrangement) are owned by PlondoLife or its licensors and are protected by U.S. and international copyright, trademark, and other intellectual-property laws. Carrier logos and product names are the property of their respective owners and are displayed under the appointment relationships we hold with each carrier; nothing on the Service grants you a license to those marks.

9. Copyright complaints (DMCA)

We respect intellectual-property rights and respond to valid notices under the U.S. Digital Millennium Copyright Act. If you believe content on the Service infringes your copyright, send a notice to our designated agent that includes:

1. Your name, mailing address, telephone number, and email address.
2. A description of the copyrighted work you say is infringed.
3. The URL or other specific location of the allegedly infringing material.
4. A statement, made under penalty of perjury, that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law.
5. A statement that the information in your notice is accurate, and that you are the owner or authorized to act on the owner’s behalf.
6. Your physical or electronic signature.

We’ll respond promptly and may remove or disable access to material we believe is infringing. If you posted material that was removed, you can file a counter-notice with the same agent — the counter-notice must include the information specified by §512(g) of the DMCA, and you should consult counsel before filing one.

10. Third-party links and services

The Service links to outside sites — carrier portals, state insurance departments, the National Insurance Producer Registry, training providers, and others. We don’t operate those sites, we don’t endorse everything on them, and we’re not responsible for their content, their privacy practices, or what they do with information you share with them. A link from us to them is not an endorsement. Read each site’s terms and privacy policy before using it.

11. Electronic communications consent (E-SIGN)

By creating an account or submitting a request, you agree that we can deliver legal notices, contracts, policy and account documents, disclosures, billing statements, tax forms, and other communications to you electronically — by email, by text where you’ve opted in, or by posting them in your account on plondolife.com.

You confirm that you have access to a device that can read HTML and PDF, an email address that works, and the ability to download or print these communications. You can withdraw consent and request paper copies at any time by emailing support@plondo.com — we’ll honor the request, though we may close any online-only account if paper-only is the only way you’ll accept communications going forward. Hardware and software requirements: a current browser, an active email address, and a PDF reader. We’ll let you know if those requirements change.

12. Disclaimers and warranty exclusions

The Service is provided “as is” and “as available.” To the fullest extent permitted by law, PlondoLife and its officers, directors, employees, agents, contractors, and licensors disclaim all warranties of any kind, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and quiet enjoyment, and any warranty arising from course of dealing or trade usage. We do not warrant that the Service will be uninterrupted, timely, secure, error-free, or that defects will be corrected.

Information on the Service is for general educational purposes only. It is not insurance, tax, legal, or financial advice. Talk to a licensed agent or other qualified professional about your specific situation before acting on anything you read here.

13. Binding individual arbitration and class-action waiver

Read this section carefully.If a dispute comes up between you and PlondoLife and we can’t resolve it informally, we both agree to resolve it through individual binding arbitration instead of going to court — and not as part of a class action, group, collective, or representative proceeding. This provision is governed by the Federal Arbitration Act.

Informal first. Before starting an arbitration, send us a notice describing the dispute and the relief you want to support@plondo.com. We’ll do the same to the contact information on file. We agree to try in good faith to resolve the dispute within 60 days.

Arbitration administrator and rules.If we can’t resolve the dispute informally, the arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in effect at the time the arbitration is commenced (or, for agent disputes, the AAA Commercial Rules). The arbitrator’s decision is final and binding on both of us.

Where it happens.Arbitration will take place in Ouachita Parish, Louisiana, or in the federal judicial district where you live, at your election. Telephone or video proceedings are permitted at the arbitrator’s discretion.

What can be awarded. The arbitrator can award the same individual remedies a court could under applicable law, but no relief on a class, group, or representative basis. Either of us can still bring a qualifying claim in small-claims court.

Class-action waiver. You and PlondoLife agree that any dispute will be brought only in your or our individual capacity and not as a plaintiff or class member in any class, collective, mass, or representative action. If a court decides this class-action waiver is unenforceable, the entire arbitration agreement in this section will be void, and the dispute will be resolved in court instead. The other provisions of these Terms of Use will remain in full force.

30-day opt-out. You can opt out of this arbitration agreement by emailing support@plondo.com with the subject line “Arbitration Opt-Out” within 30 days of first creating your account or first using the Service, whichever is later. Include your name, email, and a clear statement that you want to opt out of arbitration. Opting out won’t affect anything else in these terms.

14. Limitation of liability

To the fullest extent permitted by law, PlondoLife and its officers, directors, employees, agents, contractors, and licensors are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages — including lost profits, lost revenue, lost data, lost business opportunity, or the cost of substitute services — even if we’ve been told those damages are possible.

Our total aggregate liability for any claim arising out of or relating to the Service or these terms is capped at the greater of (a) the amount you paid us, if any, in the 12 months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). Some states do not allow these limitations, so they may not apply to you in full. This limitation does not apply to claims that cannot be limited under applicable law (for example, willful misconduct or gross negligence in states that prohibit waiving them).

15. Indemnification

You agree to defend, indemnify, and hold harmless PlondoLife and our officers, directors, employees, agents, contractors, and affiliates from and against any claim, loss, liability, damage, cost, or expense (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) any information or User Content you submit; (c) your breach of these terms; (d) your violation of any law or any right of a third party; or (e) anything you post or transmit through the Service. We may take over the defense of any claim subject to indemnification, at your expense; if we do, you’ll cooperate with us as reasonably requested.

16. Termination and survival

We may suspend or terminate your access to the Service at any time, with or without cause, including for violations of these terms or for compliance, security, or legal reasons. You may stop using the Service at any time. The sections that by their nature should survive — including User-Submitted Content, Intellectual Property, Disclaimers, Arbitration, Limitation of Liability, Indemnification, Governing Law, and this Survival clause — will survive termination.

17. Governing law and forum

These terms are governed by the laws of the State of Louisiana, without regard to conflict-of-law principles. Subject to the binding arbitration agreement above, any dispute that proceeds in court will be brought in the state or federal courts located in Ouachita Parish, Louisiana, and you and PlondoLife consent to the jurisdiction of those courts.

18. Changes to these terms

We may update these terms from time to time. The “Effective” date above will reflect the most recent revision, and material changes will be highlighted on plondolife.com for at least 30 days. Continued use of the Service after a change becomes effective constitutes acceptance of the updated terms. If you don’t agree to a change, your remedy is to stop using the Service.

19. Miscellaneous

Entire agreement.These terms, together with our Privacy Policy, Licensing & Disclosures, and AI Systems Notice, are the full agreement between you and PlondoLife about the Service and replace any prior agreements about the same subject.

Severability. If a court finds any part of these terms unenforceable, the rest stays in effect.

No waiver.If we don’t enforce a right, that doesn’t mean we’ve given it up.

Assignment. We may transfer our rights and obligations under these terms — for example, in a merger, acquisition, or sale of assets. You may not transfer yours without our written consent. Any attempted transfer in violation of this section is void.

Force majeure.We aren’t liable for delays or failures caused by events beyond our reasonable control — natural disasters, war, civil unrest, labor disputes, internet or telecom outages, government action, or pandemic-related restrictions.

Headings.Section headings are for convenience only and don’t affect interpretation.

Notices to you.We’ll deliver notices by email to the address on file or by posting on plondolife.com.

Notices to us.Legal notices must be sent in writing to PlondoLife, 175 Richland Place Dr, Monroe, LA 71203, addressed “Legal — General Counsel.” Email and support tickets do not count as legal notice.

Language.The English version of these terms controls if there’s any conflict with a translated version.

20. Booking a call with a PlondoLife agent

When you book a call through a PlondoLife agent’s booking page (URLs of the form plondolife.com/b/<agent code>), the following terms apply in addition to the rest of these Terms of Use.

Communications consent. By submitting a booking, you authorize PlondoLife and the agent to contact you at the email address and phone number you provided with: a calendar invitation, a confirmation email and SMS, reminder emails and SMS for the upcoming call, the call itself, any cancellation or reschedule notice, and any follow-up communications related to the call. Standard message and data rates apply for SMS. You can stop SMS at any time by replying STOP; you can stop transactional email by emailing support@plondo.com (note: opting out of transactional booking email may cancel an existing booking).

What information you share, and with whom. The first name, last name, email, phone number, state, preferred language, topic, and any free-text notes you submit are shared with the agent who owns the booking page so they can prepare for and conduct the call. The agent is an independent contractor who has agreed to handle this information consistent with our Privacy Policy. Don’t put sensitive data (Social Security numbers, full medical history, account passwords, payment information) into the booking notes — those belong on a secure call, not in a free-text field.

Cancellation and rescheduling.You can cancel or reschedule by contacting the agent directly using the contact info on the booking page or by replying to your confirmation email. The agent may also cancel — for example, due to illness, family emergency, or scheduling conflict. If the agent cancels, you’ll receive a cancellation email and SMS explaining the reason. The Service does not currently charge cancellation fees, and no payment is collected for booking a call.

No-show. If you miss the call without cancelling, the agent may decline to book future calls with you, may reach out by phone or email to follow up, and may close the lead in our internal system. Repeated no-shows may result in your booking access being suspended.

What the call is and isn’t.A booked call is a conversation with a licensed insurance agent about products that might fit your situation. It is not a binding offer of insurance, an underwriting decision, or a commitment by any carrier. Statements made on the call (about premium, eligibility, ratings, policy terms) are illustrative; coverage is established only after an application is submitted, the carrier completes underwriting, the policy is issued, and the initial premium is paid (see Section 7). Recordings, if any, are governed by applicable state law and the agent’s disclosure on the call — assume the call may be recorded for training and compliance unless the agent says otherwise.

Time zone.Times shown on the booking page render in the time zone your browser detects unless you change it explicitly. The agent’s confirmation shows the time in their selected zone. Both refer to the same instant — there’s no scheduling discrepancy even if the displayed times differ.

Linking and embedding. Agent booking links and embeds are licensed for use by the agent (including their personal site, social profiles, and email signature) and may not be redistributed, sub-licensed, scraped, or used to circumvent these terms.

21. Contact

Questions about these terms?