Terms of Service

1. What PRIM is (and isn't)

PRIM is a productivity tool for licensed insurance agents to store and organize leads, prospects, clients, commissions, and books, and to send emails you choose to send. PRIM is notan insurer, a broker, a lead vendor, a dialer, or a provider of legal, tax, or compliance advice. We do not guarantee any business result, uptime, or that calculations are correct for your tax or regulatory filings — you are responsible for verifying your own numbers and filings.

2. Eligibility and your account

You must be at least 18 and a licensed insurance professional (or authorized staff) using PRIM for legitimate business purposes. Keep your password confidential; you are responsible for all activity under your account. Notify us promptly at rjprimeconsult@gmail.com if you suspect unauthorized access.

3. Your data, and our respective roles

• You own the data you put into PRIM. You grant us a limited, non-exclusive license to host, process, and display it solely to provide the Service to you.
• You are the controller / responsible party for your prospects' and clients' information; we are your service provider (processor).We process that information only on your behalf and per your instructions and these Terms. Our handling of it is described in the Privacy Policy and, where applicable, the Data Processing Addendum ("DPA"), which is incorporated into these Terms.
• You represent and warrant that you have the necessary rights, notices, and consents to collect the information you enter or import into PRIM and to have us process it, and that your use of that information complies with applicable law.

4. Your outreach: consent and communications compliance

PRIM lets you send emails and organize contact activity. You are solely responsible for the legality of your outreach. In particular, you represent, warrant, and agree that:

• Email (CAN-SPAM). For any commercial or promotional email you send through PRIM, you will use accurate sender and subject information, will not email recipients who have opted out, and acknowledge that PRIM includes a physical mailing address and an unsubscribe mechanism in such emails on your behalf, which you will not remove or circumvent.
• Calls and texts (TCPA / state "mini-TCPA" laws, including Florida's FTSA). PRIM does not send text messages or place calls. If you use separate tools (such as TextDrip or Ringy) and sync that activity into PRIM, youare solely responsible for obtaining any legally required prior express (or prior express written) consent, honoring do-not-call and opt-out ("STOP") requests, observing calling-time and frequency limits, and otherwise complying with the TCPA and any applicable state law.
• General. You will comply with all laws and regulations applicable to your business, including insurance licensing and advertising rules and privacy/data security laws in the states where you and your contacts are located.

5. Prohibited health information (no PHI / no clinical data)

PRIM is not a HIPAA-compliant platform and is not a HIPAA covered entity or business associate. You agree not to enter, upload, or transmit Protected Health Information or clinical records into PRIM, including but not limited to:

• Specific medication names (e.g., "Metformin");
• Specific diagnoses (e.g., "Type 2 Diabetes");
• Lab results, treatment details, doctor names, or records obtained from a health plan or provider you service under a Business Associate Agreement.

For prospect/client notes, use general impressions only(e.g., "has health concerns," "wants better coverage"). You represent that any information you upload (including images processed by our AI import feature) is marketing/lead data and not PHI. We do not enter into Business Associate Agreements. We may remove, and are not liable for, any content you submit in violation of this section, and you are solely responsible for such content.

6. AI features

PRIM uses a third-party AI provider (Anthropic) to extract and organize data from content you provide (e.g., statements, screenshots, imports, and assistant chats), as described in the Privacy Policy. You are responsible for reviewing AI-generated output before relying on it; AI extraction may contain errors — verify it.

7. Subscriptions, billing, and trials

• Paid plans are billed through Stripe; by subscribing you authorize recurring charges to your payment method until you cancel. Card data is handled by Stripe; we do not store your full card number.
• Free trials (if offered) convert to paid unless canceled before the trial ends.
• You can cancel anytime; cancellation stops future charges and takes effect at the end of the current billing period. Except where required by law, fees are non-refundable.
• We may change pricing prospectively with notice.

8. Acceptable use

You agree not to: (a) reverse-engineer, hack, disrupt, or probe the Service or its security; (b) upload illegal content, malware, or another party's data without authority; (c) use PRIM to send unlawful, deceptive, or unconsented communications; (d) resell or share access to your account; or (e) use PRIM to violate any law or third party's rights.

9. Intellectual property

The Service, including its software, design, and content (excluding your data), is owned by R&J Prime and its licensors and is protected by law. We grant you a limited, revocable, non-transferable license to use PRIM per these Terms. You retain ownership of your data.

10. Service availability and disclaimers

The Service is provided "AS IS" and "AS AVAILABLE," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that outputs (including calculations) are accurate for your purposes.

11. Limitation of liability

To the maximum extent permitted by law, R&J Prime will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or business. Our total liability for any claim arising out of or relating to PRIM is limited to the greater of the fees you paid us in the 12 months before the claim or $50 (USD).

12. Indemnification

You agree to defend, indemnify, and hold harmless R&J Prime from any claims, damages, liabilities, and costs (including reasonable attorneys' fees) arising out of or related to: (a) your data or your collection, use, or sourcing of it; (b) your outreach or communications (including TCPA/FTSA/CAN-SPAM and consent obligations); (c) your violation of these Terms or any law; or (d) any PHI or prohibited content you submit.

13. Termination

You may close your account anytime by emailing rjprimeconsult@gmail.com. We may suspend or terminate accounts that violate these Terms or the law, or to protect the Service. On termination, your license to use PRIM ends; data handling on termination is described in the Privacy Policy / DPA.

14. Changes to these Terms

We may update these Terms as PRIM evolves. We will post the updated version with a new effective date and, for material changes, provide notice in the app or by email. Your continued use after the effective date constitutes acceptance.

15. Governing law and disputes

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Any dispute will be resolved exclusively in the state or federal courts located in Florida, and you consent to their jurisdiction.

16. Contact

R&J Prime Consultancy LLC
Attn: Juan Trejo
[mailing address — to be added]
rjprimeconsult@gmail.com