Terms of Service

Agreement

By using agentjoust.com or any subdomain (the "Platform"), you agree to these Terms of Service ("Terms") with Agent Joust — A product of Addison Myers Group LLC. If you do not agree, do not use the Platform.

What Agent Joust Is

Agent Joust is a neutral marketplace where consumers solicit life insurance proposals from independent licensed agents. We are not an insurance company, insurer, or licensed insurance agent. We do not underwrite, issue, or sell insurance policies. We create the competitive environment; the agent you select is solely responsible for any policy they quote or place.

Eligibility

You must be at least 18 years old and a resident of the United States to submit a joust request. By submitting, you represent that the information you provide is accurate and complete.

The Joust Process

• You submit a request describing your life insurance needs.
• We invite up to three independent licensed agents to prepare proposals.
• Agents prepare and submit proposals without access to your contact details.
• You review proposals and select a winner. Only the winning agent receives your contact information.
• You are under no obligation to purchase any policy.

No Guarantee of Proposals

We do not guarantee that any specific number of agents will submit proposals, that proposals will meet your coverage or pricing expectations, or that the joust will be completed within any particular time frame.

User Conduct

You agree not to:

• Submit false, fraudulent, or misleading information
• Use the Platform for any unlawful purpose
• Attempt to reverse-engineer, scrape, or disrupt the Platform
• Create multiple joust requests for the same coverage need to manipulate the system

Intellectual Property

All content, design, and code on the Platform is the property of Addison Myers Group LLC or its licensors. You may not copy, reproduce, or distribute any portion without written permission.

Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. ADDISON MYERS GROUP LLC MAKES NO WARRANTY THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT PROPOSALS WILL MEET YOUR REQUIREMENTS.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADDISON MYERS GROUP LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE PLATFORM OR ANY INSURANCE POLICY OBTAINED THROUGH IT. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.

Indemnification

You agree to indemnify and hold harmless Addison Myers Group LLC and its officers, employees, and agents from any claims, losses, or damages arising from your use of the Platform or violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of North Carolina. Any disputes shall be resolved in the courts of North Carolina.

Changes to Terms

We may update these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the revised Terms.

Contact

Agent Joust — A product of Addison Myers Group LLC
Email: [email protected]