Terms of Service

1. Agreement to these Terms

These Terms of Service ("Terms") are a binding agreement between you and Licensedproducer ("Licensedproducer," "we," "us," or "our") and govern your access to and use of licensedproducer.com and the related services, pages, and features we offer (together, the "Service"). By accessing the Service, creating an account, submitting a request, leaving a review, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

Please read Section 20 carefully. It contains a mutual arbitration agreement and class-action waiver that affect how disputes are resolved, and a 30-day opt-out.

2. What Licensedproducer is (and is not)

Licensedproducer is an online private directory and review platform that helps consumers find independent, licensed life-insurance producers, request to be contacted by a producer they choose, and read and leave reviews.

• We are not an insurance company, insurance agency, broker, or producer.
• We do not sell, solicit, negotiate, or bind insurance, quote prices, or provide insurance, legal, tax, medical, or financial advice.
• Producers listed on the Service ("Agents") are independent third parties solely responsible for their own licensing, conduct, communications, and the products and advice they provide.
• A listing, badge, ranking position, or review on Licensedproducer is not an endorsement, guarantee, or recommendation of any Agent.

3. Independence; not a government body; name and emblem

Licensedproducer is an independent, private, for-profit service. We are not a government agency, bureau, department, or regulator; we are not affiliated with, endorsed by, or sponsored by any Department of Insurance, the NIPR, or the NAIC; and we are not affiliated with any insurance carrier or with InsuraCentral, which is a separate third-party service.

• We do not issue, grant, or confer licenses. "Licensed producer" is the ordinary state-law term for the insurance professionals listed here; every license is issued solely by a state insurance regulator, never by us.
• "Licensedproducer" is a brand name only and does not denote governmental status or authority. Our circular check-mark emblem is a private trademark, not a government seal or insignia.
• "Verified," "license-checked," and similar designations are our own private assessments based on the checks described on the Service at the time they were performed. They are not government determinations and are not a continuing guarantee of licensure. Always confirm a producer's license directly with your state's Department of Insurance.
• The optional "Sign in with InsuraCentral" feature is a third-party sign-in convenience only. Using it does not create any partnership, agency, joint venture, or affiliation between Licensedproducer and InsuraCentral, and InsuraCentral does not operate, endorse, or control the Service.

4. Eligibility

You must be at least 18 years old, located in the United States, and able to form a binding contract to use the Service. By using the Service you represent that you meet these requirements, that any information you provide is accurate and yours to provide, and that you are not barred from using the Service under applicable law.

5. Using the Service as a consumer

As a consumer ("Client"), you may search for Agents, save Agents, submit a request to be contacted ("Quote Request"), and leave reviews. When you submit a Quote Request, you direct us to share the information in that request with the specific Agent you selected so they may contact you about your inquiry.

You agree that the contact information you provide is your own, and — where you check the consent box on the Quote Request form — you consent to be contacted by the selected Agent and by Licensedproducer at the phone number and email you provided, including by text message, as described on that form and in our SMS Consent Disclosure. Consent is not a condition of purchasing anything. You can withdraw consent at any time by replying STOP to any text, by using Do Not Contact, or by emailing privacy@licensedproducer.com.

We do not sell your Quote Request information. We share it only with the Agent you chose and with the service providers that help us run the Service (see the Privacy Policy).

6. Agent accounts, listings, and verification

Agents may create an account to manage a directory listing. By creating an Agent account you represent and warrant that you are a properly licensed insurance producer in good standing, and that all information you provide — including your National Producer Number (NPN), license details, carrier appointments, experience, photo, and biography — is accurate, current, and not misleading.

• You are responsible for keeping your listing accurate, for the security of your credentials, and for all activity under your account. Sessions expire automatically after 24 hours; do not share credentials.
• Verification badges reflect the checks described on the Service at the time they were performed. They are not a continuing guarantee, and we may re-check, downgrade, suspend, or remove any badge or listing at our discretion — including for inaccurate information, complaints, regulatory action, loss of licensure, or review manipulation.
• Identity documents. Where we ask for a government-issued photo ID to confirm identity, you agree to submit only your own genuine document. We store it privately, use it solely to complete verification and resolve disputes, and delete it on request (see the Privacy Policy).
• You are solely responsible for ensuring your listing, your advertising, and your communications with consumers comply with all applicable laws — including state insurance and advertising regulations, the Telephone Consumer Protection Act (TCPA), state telemarketing and do-not-call laws, CAN-SPAM, and applicable A2P 10DLC messaging rules.
• We may display your listing, ranking position, badges, reviews, and public profile information to the public and to search engines, and may reproduce them in Service promotions. We never display your email address publicly.

7. Sign in with InsuraCentral and imported data

If you sign in using InsuraCentral, you authorize InsuraCentral to share your identity and producer information (such as your name, email, and NPN) with Licensedproducer, and to issue Licensedproducer a scoped access credential for your InsuraCentral account. We use that credential only to (a) pull your carrier appointments so you don't retype them, and (b) let you browse your own recorded calls in InsuraCentral and import a specific recording as a testimonial when you choose to. We do not access your leads, contacts, or any other InsuraCentral user's data.

You are responsible for any recording you import. By importing a call recording you represent that the recording was made lawfully (including any required notice or consent under one- or two-party consent laws), that you have the affected client's permission to publish it, and that publishing it does not violate any privacy, confidentiality, or insurance regulation. We may remove any imported recording at our discretion or on a complaint.

You may disconnect InsuraCentral at any time from your dashboard, or by revoking the credential in InsuraCentral. Your use of InsuraCentral remains subject to InsuraCentral's own terms and policies; Licensedproducer is not responsible for InsuraCentral.

8. Reviews, review invitations, and user content

Consumers may submit reviews with or without an account. Agents may invite clients to review them by email or by a text message sent from the Agent's own phone system. We take review integrity seriously and follow the Federal Trade Commission's Rule on the Use of Consumer Reviews and Testimonials (16 CFR Part 465).

Rules for reviewers

• Your review must be truthful, based on your genuine, first-hand experience with the Agent, and must not be defamatory, harassing, discriminatory, misleading, infringing, or otherwise unlawful.
• Do not include another person's private information, policy numbers, or health details in a review.
• You grant us a non-exclusive, worldwide, royalty-free, perpetual license to host, display, reproduce, and distribute your review and display name in connection with the Service, including in search results and Service promotions.

Rules for Agents

• You may not write, buy, solicit from anyone other than a genuine client, or otherwise procure fake, incentivized, or misleading reviews; you may not review yourself or your competitors; and you may not offer compensation conditioned on a review's sentiment.
• Review invitations must go only to real clients you have served, using contact details they gave you, and must not be used to send marketing or to contact anyone who has asked not to be contacted. You may not choose whom to invite based on how favorable you expect their review to be.
• Agents cannot edit or delete reviews. You may respond publicly and may report a review you believe violates these Terms; we investigate and decide in our sole discretion.
• Reviews submitted through an invitation link are labelled "Invited client" so readers know how the review was collected.

We may moderate, label, hide, or remove any content, and may suspend accounts, to protect the integrity of the Service or comply with law. We do not guarantee that every review is authentic, and we are not responsible for the opinions users express.

9. Messaging and calling

Licensedproducer does not itself send marketing text messages or place marketing calls. Texts and calls you receive after submitting a Quote Request or accepting a review invitation come from the Agent you chose, from the Agent's own phone number and systems. Message frequency varies; message and data rates may apply; reply STOP to opt out of texts from that number and HELP for help. See our SMS Consent Disclosure. Agents are solely responsible for complying with the TCPA, state telemarketing laws, and carrier messaging rules when contacting you.

10. Prohibited conduct

• Scraping, harvesting, crawling, or bulk-collecting Agent, reviewer, or user information from the Service, or using it to build a competing directory, marketing list, or AI training set.
• Submitting false, fraudulent, or impersonating information, reviews, identity documents, or requests, or submitting a Quote Request for someone without their permission.
• Using the Service to send spam, to contact Agents or consumers for purposes other than a genuine insurance inquiry or review, or to contact anyone who has opted out.
• Interfering with, probing, overloading, reverse-engineering, or circumventing the security or operation of the Service, including bot-protection challenges and rate limits.
• Manipulating rankings, badges, or reviews, or misrepresenting your licensure, affiliations, or identity.
• Using the Service in violation of any applicable law, regulation, or these Terms.

11. Intellectual property

The Service — including its design, text, graphics, data compilations, ranking methodology, software, and the Licensedproducer name and emblem — is owned by Licensedproducer or its licensors and protected by copyright, trademark, and other laws. Except for content you submit, you receive no ownership rights, and you may not copy, modify, distribute, sell, frame, or create derivative works from any part of the Service without our written permission. You may link to public Service pages.

12. Copyright complaints (DMCA)

If you believe content on the Service infringes your copyright, send a notice to our designated agent at legal@licensedproducer.com that includes: (1) your physical or electronic signature; (2) identification of the copyrighted work; (3) the URL of the allegedly infringing material; (4) your contact information; (5) a statement that you have a good-faith belief the use is not authorized; and (6) a statement, under penalty of perjury, that the information is accurate and you are authorized to act for the owner. We may remove content and terminate repeat infringers. Counter-notices may be sent to the same address.

13. Third-party services and links

The Service relies on third-party providers (for example, hosting, database, content-delivery, bot-protection, email, analytics, and identity providers) and may link to third-party websites, including Agents' own sites and InsuraCentral. We are not responsible for the content, policies, availability, or practices of any third party. Your dealings with any Agent or third party are solely between you and them.

14. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY AGENT IS LICENSED, SUITABLE, OR TRUSTWORTHY; THAT ANY LISTING, BADGE, RANKING, OR REVIEW IS ACCURATE, COMPLETE, OR CURRENT; OR THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. ANY INSURANCE DECISION IS YOURS ALONE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY DISCLAIMERS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

15. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LICENSEDPRODUCER AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING FROM OR RELATED TO THE SERVICE, ANY AGENT, OR ANY CONTENT, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE AND DO NOT LIMIT LIABILITY THAT CANNOT BE LIMITED BY LAW.

16. Indemnification

You agree to defend, indemnify, and hold harmless Licensedproducer and its owners, officers, employees, and contractors from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your content, your listing, your communications with consumers or Agents, any recording you import, or your violation of these Terms or any law or third-party right.

17. Term, suspension, and termination

These Terms apply for as long as you use the Service. We may suspend or terminate your access, listing, or content at any time, with or without notice, for any reason, including violation of these Terms or a risk to users or the Service. You may stop using the Service or request deletion of your account at any time by following the steps on Your Privacy Choices. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution) survive.

18. Service availability and changes

We may modify, suspend, or discontinue any part of the Service at any time. We aim for high availability but do not guarantee uninterrupted service, and we are not liable for outages, maintenance, data loss, or third-party failures. We may impose limits (such as rate limits or review-invitation caps) to protect the Service.

19. Electronic communications and E-SIGN consent

By using the Service you consent to receive communications from us electronically — including notices, verification emails, review-invitation notifications, and policy updates — and you agree that electronic notices, agreements, and records satisfy any legal requirement that they be in writing. You may withdraw this consent by closing your account. To receive our emails you need a device with internet access and a current email address.

20. Dispute resolution, arbitration, and class-action waiver

Informal resolution first

Before starting arbitration or a lawsuit, the party raising a dispute must send a written notice describing it to legal@licensedproducer.com (or, if we raise it, to your account email). The parties will try in good faith to resolve the dispute within 60 days of that notice.

Binding arbitration

If the dispute is not resolved informally, any claim arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, before a single arbitrator. The Federal Arbitration Act governs this section. The arbitrator may award the same relief a court could, on an individual basis only. Arbitration may be conducted by video or documents where the rules allow. Each party bears its own attorneys' fees unless the arbitrator finds a claim frivolous, in which case fees may be awarded as permitted by the rules and law. For consumer claims, we will pay AAA filing and arbitrator fees above $250 unless the arbitrator finds the claim frivolous.

Exceptions

Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect intellectual property or prevent scraping or abuse of the Service.

Class-action and jury waiver

To the fullest extent permitted by law, you and Licensedproducer each waive the right to a jury trial and the right to participate in a class, collective, consolidated, or representative action. The arbitrator may not consolidate claims of different users. If this waiver is found unenforceable for a particular claim, that claim (and only that claim) must proceed in court, and the arbitration agreement applies to the rest.

30-day opt-out

You may opt out of this arbitration agreement by emailing legal@licensedproducer.com within 30 days after first accepting these Terms, stating your name, the email on your account, and that you opt out of arbitration. Opting out does not affect any other part of these Terms.

Governing law and venue

These Terms are governed by the laws of the State of Indiana and applicable U.S. federal law, without regard to conflict-of-law rules. Subject to the arbitration agreement, the exclusive venue for any court proceeding is the state or federal courts located in Marion County, Indiana, and you consent to their jurisdiction. Nothing in this section deprives you of consumer-protection rights that the law of your state of residence makes non-waivable.

21. Endorsements, testimonials, and income claims

Reviews and testimonials on the Service reflect the individual experiences of the people who wrote or recorded them and are not guarantees of any Agent's future performance or of any insurance outcome. Agents must not present reviews, badges, or rankings from the Service in a misleading way, must not claim that Licensedproducer endorses or recommends them, and must comply with FTC endorsement guidelines and state insurance advertising rules in any use of Service content. Licensedproducer makes no income, savings, or coverage claims.

22. Accessibility

We are committed to making the Service usable by everyone, including people who use assistive technology, and we design against the Web Content Accessibility Guidelines (WCAG) 2.2 Level AA. Read our Accessibility Statement to learn what we have in place, known limitations, and how to report a barrier or request an alternative format.

23. Export compliance and U.S. use

The Service is intended for use in the United States. You may not use or export any part of the Service in violation of U.S. export-control or sanctions laws, and you represent that you are not on any U.S. government restricted-party list.

24. Notices

We may give you notice by email to the address on your account, by posting on the Service, or by other reasonable means. Notices to us must be sent to legal@licensedproducer.com and are effective when received.

25. Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected by the "Last revised" date above and, for registered users, by additional notice such as an email or an in-dashboard message at least 14 days before they take effect where practicable. Your continued use after changes become effective constitutes acceptance. Changes to the arbitration section do not apply to disputes already noticed before the change.

26. Entire agreement; severability; waiver; assignment; force majeure

These Terms, the Privacy Policy, and the disclosures linked from this page are the entire agreement between you and Licensedproducer about the Service and supersede prior agreements. If any provision is found unenforceable, it will be enforced to the maximum extent permitted and the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control, including outages of third-party providers, internet failures, natural disasters, or government action.

27. Contact

Questions about these Terms? Email legal@licensedproducer.com. For support, email support@licensedproducer.com. For privacy and data requests, email privacy@licensedproducer.com or visit Your Privacy Choices.