Terms of Service

Effective Date: November, 10 2025

1) Use of Our Resources

These Terms govern your use of Circle of Giants Life Insurance Agency’s website(s), landing pages, customer portals, training materials, marketing leads, CRM tools, and any other services or systems we provide (collectively, the “Resources”). By accessing or using any Resource, you agree to these Terms. If you do not agree, you must stop using the Resources.

All Resources are provided on an “as-is” and “as-available” basis. We make no warranties—express or implied—regarding accuracy, completeness, availability, or performance.

2) Legal Compliance & Outbound Communications

When you market, sell, or otherwise engage with insurance-related activities in connection with Circle of Giants (including any use of our name, trademarks, or Resources), you agree to follow all applicable federal and state laws and industry rules, including (as applicable) the TCPA, TSR, CAN-SPAM, HIPAA, CCPA/CPRA, Medicare/Medicaid marketing rules, and Do-Not-Call (DNC) requirements.

1. Do not sell, share, or transfer leads obtained from us unless we give prior written authorization.
2. Do not use autodialers, artificial/prerecorded voice calls, spam texts, or similar telemarketing tools, and do not purchase or use leads generated by such tools.
3. Only contact individuals with proper consent or after screening numbers against federal and state DNC lists; immediately honor any opt-out requests.
4. For Medicare-related marketing, follow all CMS/carrier rules (e.g., approved materials, proper Scope of Appointment, no prohibited telephonic or in-person solicitation methods).

3) Communications With You

By providing contact information to Circle of Giants, you authorize us to contact you about services, training, and opportunities via phone, email, text/SMS, voicemail drops, or similar methods. You can opt out at any time by following the prompts in a message or contacting us at support@circleofgiants.com. Any consent you give to our texting program is used only for that program and is not transferred to third parties.

4) Relationship of the Parties

Except for our employees, individuals affiliated with Circle of Giants act as independent contractors. These Terms do not create a partnership, joint venture, or employer-employee relationship. Independent contractors control how they perform their services, subject to applicable law and carrier requirements.

5) Trademarks & Intellectual Property

“Circle of Giants” and related names, logos, designs, and slogans are trademarks or service marks of Circle of Giants or our licensors. You may not use our marks without prior written permission. Other marks shown in our Resources belong to their respective owners.

6) Indemnification

You agree to defend, indemnify, and hold harmless Circle of Giants and our affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising from: (a) your violation of these Terms or applicable law; (b) your misuse of the Resources; or (c) your marketing or sales activities.

7) Limitation of Liability

To the fullest extent allowed by law, Circle of Giants (and our officers, directors, employees, and agents) will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to these Terms or your use of the Resources—even if advised of the possibility of such damages. Our total liability to you for any claim will not exceed the greater of $1,000 or the amounts you paid to us for access to the specific Resource at issue.

8) Agreement to Arbitrate; Class Action Waiver

Any dispute, claim, or controversy arising out of or relating to these Terms or the Resources will be resolved by binding arbitration on an individual basis. You and Circle of Giants waive any right to a jury trial or to participate in a class or representative action.

The arbitration will be administered by the American Arbitration Association (AAA) under its applicable rules. Unless we mutually agree otherwise, the arbitration will take place in [City, State]. Judgment on the award may be entered in any court with jurisdiction. The arbitrator’s authority is limited by the “Limitation of Liability” section above.

9) Waiver & Severability

Our failure to enforce any term is not a waiver of future enforcement of that term. Any waiver must be in writing and signed by an authorized representative. If any provision of these Terms is found unenforceable, it will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force.

10) Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will post the updated Terms and revise the effective date above. Your continued use of the Resources after changes become effective means you accept the updated Terms.

11) Governing Law

These Terms are governed by the laws of the State of [State], without regard to conflict-of-laws principles, except to the extent preempted by federal law.

12) Contact Us

If you have questions about these Terms or our Resources, contact us at:

Circle of Giants Life Insurance Agency
USA
support@circleofgiants.com