Terms and Conditions

Below is your revised Terms & Conditions with:

A clearly defined Customer Support Contact section

A legally protective Carrier Liability Disclaimer

Proper SMS compliance language alignment

You can replace your current version with this updated structure.

Terms and Conditions

Last Updated: February, 2026

These Terms and Conditions (“Terms”) govern access to and use of this software platform, including all related applications, forms, portals, tools, communications, and services (collectively, the “IBN Platform”).

By accessing, submitting information through, or using the Platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you must not access or use the Platform.

1. Purpose of the Platform

The IBN Platform is provided for administrative, operational, educational, onboarding, licensing support, communication, scheduling, marketing, and recognition purposes. Access to certain features or services may be conditioned upon compliance with these Terms.

The IBN Platform does not provide legal, regulatory, financial, or professional advice.

2. Eligibility and User Representations

By using the Platform, you represent and warrant that:

You are at least 18 years of age

You have the legal authority to enter into these Terms

All information you submit is true, accurate, current, and complete

You will promptly update information as necessary to maintain accuracy

The Platform is not responsible for errors, delays, or adverse outcomes resulting from inaccurate, incomplete, or outdated information provided by you.

3. Communications and Electronic Consent

By submitting your information or using the Platform, you expressly consent to receive transactional, operational, and informational communications, including but not limited to:

Email communications

SMS/text messages

Appointment reminders

Licensing, compliance, or administrative notifications

Message frequency may vary. Message and data rates may apply.

You may withdraw consent for SMS communications at any time by replying STOP. For assistance, reply HELP or contact Customer Support.

Consent to receive SMS messages is not a condition of purchase.

4. Carrier and Messaging Disclaimer

IBN Platform utilizes third-party messaging service providers and telecommunications carriers to deliver SMS communications.

Delivery of SMS messages is subject to effective transmission by your mobile carrier and is not guaranteed.

Carriers are not liable for delayed or undelivered messages.

IBN Platform is not responsible for message delays, delivery failures, carrier filtering, network outages, or technical issues beyond its control.

5. Content Submission and Usage Rights

By submitting photographs, videos, testimonials, written content, or other materials (“User Content”) through the Platform, you grant a non-exclusive, royalty-free, worldwide license to use, reproduce, display, distribute, and publish such content for legitimate business purposes, including but not limited to:

Marketing and promotional materials

Recognition and announcements

Websites, social media, training, and internal communications

You represent that you have all necessary rights to grant this license. Requests for removal may be submitted in writing and will be considered in good faith.

6. Licensing and Regulatory Disclaimer

The Platform does not issue licenses and has no authority over licensing decisions, regulatory determinations, approval timelines, or examination outcomes.

All licensing approvals and requirements are determined solely by:

State or provincial regulatory authorities

Departments of Insurance

NIPR or equivalent systems

Examination providers and regulatory bodies

No guarantees, warranties, or assurances are made regarding licensing outcomes.

7. United States and Canada Jurisdictional Notice

The Platform may be accessed by users located in the United States and Canada.

Users are solely responsible for complying with all applicable:

Federal, state, provincial, and local laws

Licensing, insurance, and regulatory requirements

Privacy, data protection, and electronic communications laws

If additional consents, disclosures, or actions are required by applicable law, you agree to comply promptly. Regulatory authorities may contact you directly using the information you provide.

8. Data Use and Privacy

Information collected through the IBN Platform is used solely for legitimate business and operational purposes, including onboarding, compliance, communication, training, and support.

Personal data is not sold.

Use of the IBN Platform is also governed by the IBN Platform’s Privacy Policy, which is incorporated by reference into these Terms.

9. Acceptable Use and Restrictions

You agree not to:

Access or use the IBN Platform for unlawful purposes

Misuse, copy, or exploit IBN Platform data

Share login credentials or permit unauthorized access

Attempt to disrupt, reverse engineer, or compromise the Platform

Violation of this section may result in suspension or termination of access without notice.

10. Disclaimer of Warranties

The Platform is provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, all warranties, express or implied, are disclaimed, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the maximum extent permitted by law, the IBN Platform shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of business, revenue, data, licensing opportunities, or reputational harm arising out of or related to use of the IBN Platform.

Use of the Platform is at your sole risk.

12. Modifications to Terms

These Terms may be modified at any time. Continued use of the IBN Platform following any modification constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws of the jurisdiction in which the IBN Platform operator is based, without regard to conflict-of-law principles.

14. Customer Support Contact

For questions regarding these Terms, SMS communications, or use of the IBN Platform, you may contact Customer Support at:

Email: [email protected]

Support requests will be handled in accordance with applicable laws and operational procedures.

Non-Marketing (Transactional)

By checking this box, you agree to receive non-marketing SMS messages from IBN Platform related to account updates, service notifications, and support communications. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out. Reply HELP for assistance. Consent is not a condition of purchase.

Marketing (Separate Checkbox Required)

By checking this box, you agree to receive marketing and promotional SMS messages from IBN Platform, including offers, updates, and announcements. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out. Reply HELP for assistance. Consent is not a condition of purchase.

By submitting this form, you acknowledge that you have read and agree to the Platform’s Terms and Conditions.