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Terms of Service

United States — Effective 2026-05-08 — Last updated 2026-05-08

1. Acceptance of terms

These Terms of Service (the “Terms”) form a binding agreement between you (“you” or “Agent”) and Override Tech LLC, doing business as Override Agency (“Override Agency,” “we,” “us,” or “our”), governing your access to and use of the software-as-a-service platform made available at platform.overrideagency.com (the “Platform”) when accessed by licensed life-insurance agents in the United States. By creating an account, clicking “I agree,” or otherwise using the Platform, you confirm that you have read, understood, and accepted these Terms. If you do not agree, do not use the Platform.

These Terms apply only to the Platform and not to overrideagency.com, which is a separate service operated under its own agreement. Canadian agents should refer to the Canadian Terms of Service.

PLEASE READ SECTION 20 (GOVERNING LAW AND DISPUTE RESOLUTION) CAREFULLY. IT REQUIRES YOU AND OVERRIDE AGENCY TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND CONTAINS A WAIVER OF CLASS ACTIONS AND JURY TRIALS.

2. Eligibility

To use the Platform, you must:

Be at least 18 years of age and of full legal capacity.
Hold a valid life-insurance producer license in good standing in at least one U.S. state where you conduct business, issued by the applicable state Department of Insurance, and maintain a valid National Producer Number (NPN) on the National Insurance Producer Registry (NIPR).
Provide true, accurate, current, and complete licensing information at signup, including state(s) of licensure, license number(s), and lines of authority, and keep that information up to date.
Not be subject to any suspension, revocation, cease-and-desist order, consent order, or other regulatory restriction that prevents you from selling life insurance in any U.S. state.
Not be located in, ordinarily resident in, or otherwise the subject of comprehensive U.S. economic sanctions (see Section 16 on OFAC and anti-money-laundering compliance).

We may verify your license status with the National Insurance Producer Registry, NAIC State-Based Systems, or your state Department of Insurance at any time. If your license lapses, expires, is suspended, or is revoked, you must promptly notify us and stop using the Platform for licensed activity.

3. The service

The Platform provides licensed life-insurance agents with tools to manage leads and clients, automate carrier-portal application submissions, record and transcribe Zoom meetings, generate draft applications using AI-assisted extraction, send carrier applications for e-signature through DocuSign, and synchronize calendar events through Google Workspace. Specific features are described in the Platform UI and may evolve over time.

State availability. The Platform is available to licensed agents in all U.S. states, but state insurance regulations vary, and the practical scope of Platform features may depend on the carriers we have integrated with and on your own state-by-state licensure. Carrier portal automation is added on a rolling basis; Beneva is currently a Canadian-only carrier integration and is not used by U.S. agents. We do not warrant that any specific carrier will be supported in any particular state.

Information about how we collect, use, and protect personal information processed through the Platform is described in our United States Privacy Policy, which is incorporated into these Terms by reference.

4. Account creation and security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to:

Choose a strong, unique password and protect it against disclosure.
Enable multi-factor authentication when offered, and use it for all administrative or elevated-privilege roles.
Not share your account, password, session token, or MFA factor with any other person, including other licensed agents on your team.
Notify us immediately at [email protected] if you suspect any unauthorized access to or use of your account.

We are not liable for losses arising from your failure to safeguard your credentials.

5. Subscription plans, billing, and trial

The Platform is offered through tiered monthly or annual subscription plans, plus a separate transactional appointments product. Amounts are billed in the currency displayed on your account at checkout (United States accounts are billed in U.S. dollars) and exclude applicable sales, use, or excise taxes, which will be added at checkout where required by law.

5.1 Subscription tiers

Three subscription tiers are available — New Agent, Pro, and Top Producer. Current pricing for each tier in your account currency is displayed on the pricing page and within the Platform billing interface at the time of purchase, and is incorporated into these Terms by reference at the moment you subscribe.

5.2 Appointments product

The appointments product is sold as a separate SKU from the subscription, billed daily based on appointments delivered. The per-appointment price depends on your subscription tier, with Top Producer agents receiving the lowest per-appointment rate; current per-appointment pricing in your account currency is displayed in the Platform at the time of purchase. Appointments are non-refundable; in the event of a verified no-show you may receive a replacement appointment in accordance with our replacement policy (see Section 7).

5.3 Auto-renewal

Monthly subscriptions automatically renew each month and annual subscriptions automatically renew each year, in each case until you cancel as described in Section 7. By subscribing, you authorize us (through Stripe) to charge your payment method for the applicable fees plus taxes on each renewal.

5.4 No-refunds policy

All fees are non-refundable, except where a refund is required by applicable consumer-protection law that cannot be waived. We do not issue cash refunds on subscription fees, annual prepayments, or appointments. See Section 7 for cancellation and replacement details.

5.5 Failed payments

If a payment fails, we may retry the charge, suspend access to paid features, or terminate the account in accordance with Section 18.

6. Trial-specific terms

New accounts are eligible for a 14-day trial of the Platform. The trial works as follows:

You must add a valid payment method at signup. We use a Stripe Setup Intent to verify and tokenize your card.
We will NOT auto-charge your card at the end of the trial. To continue using the Platform after day 14, you must manually choose a subscription tier and confirm your subscription.
If you do not subscribe by the end of the trial, your access to paid features will be suspended. Your data will be retained consistent with the Privacy Policy for a reasonable grace period to allow you to subscribe later or export your records.
Trials are limited to one per agent. Override Agency may decline or terminate a trial if we suspect abuse, fraud, or duplicate accounts.

7. Cancellation and refund policy

You may cancel your subscription at any time through the customer billing portal we provide via Stripe. Cancellation takes effect at the end of the current paid period; you retain access to the Platform until that date.

Monthly plans: access continues until the end of the current month; no pro-ration; no refund.
Annual plans: access continues until the end of the prepaid year; no pro-ration on the unused portion; no refund.
Appointments product: appointments are non-refundable. In the event of a documented no-show by the prospect, your sole and exclusive remedy is a replacement appointment, subject to availability and our verification of the no-show.

Cancellation does not waive your obligation to pay any unpaid fees or taxes accrued before the cancellation effective date.

8. Acceptable use

You agree that you will not, and will not permit any third party to:

Use the Platform for any unlawful, fraudulent, or deceptive purpose, or in violation of any applicable law, regulation, or order of a competent regulator (including any state Department of Insurance).
Enter, upload, or process personal information about any individual unless you have a lawful basis to do so under applicable U.S. federal and state privacy law (including the Gramm-Leach-Bliley Act and state insurance privacy regulations, state comprehensive privacy laws such as the CCPA/CPRA, and state wiretap laws governing recorded communications).
Use the Platform on behalf of any unlicensed third party or to facilitate the unlicensed sale of insurance products in any state.
Scrape, harvest, mirror, resell, sublicense, white-label, or otherwise commercialize Platform output or data outside the ordinary course of your licensed insurance practice.
Reverse engineer, decompile, disassemble, or attempt to derive source code or underlying ideas from the Platform, except to the extent that this restriction is prohibited by applicable law.
Probe, scan, penetrate, overload, or otherwise interfere with the Platform’s integrity, performance, or security.
Introduce malware, automated agents, or unauthorized scripts designed to manipulate Platform behavior or extract data at scale.
Use the Platform to send commercial email, SMS, or other messages in violation of the CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), state Do-Not-Call rules, or any analogous law.
Bypass or attempt to bypass any access control, rate limit, or tier restriction of the Platform.

9. Carrier portal automation

The Platform connects to carrier advisor portals on your authority. When the Platform drives a carrier portal session to submit an application, it does so as your authorized service provider, with you acting as the principal, using cookies you have produced by signing in through our remote browser.

You acknowledge and agree that automated submissions made through the Platform on your behalf are bound by the carrier’s own terms of service, advisor agreement, confidentiality requirements, and submission rules, and that you are the responsible party with respect to those carrier obligations.
You are responsible for the accuracy and completeness of every application submitted through the Platform. You must review the AI-generated draft before submission and correct any errors. We do not warrant the correctness of any field automatically extracted from a meeting transcript or other source.
Override Agency is not a party to your contract with any carrier and accepts no liability arising from the carrier-agent relationship, commissions, chargebacks, rescissions, or carrier compliance actions.
We may suspend a carrier integration without notice if a carrier objects to automated submissions, changes its portal in a way that prevents safe automation, or notifies us of a compliance concern.

10. Meeting recording consent and state wiretap laws

The Platform’s Zoom integration records meetings and produces live transcripts. You are solely responsiblefor obtaining valid consent from every meeting attendee before any meeting is recorded or transcribed, in accordance with applicable federal and state law. Federal law generally permits one-party consent, but several U.S. states — including California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Oregon (for in-person communications), Pennsylvania, and Washington — require the consent of all parties.

Where any meeting attendee is located in an all-party consent state, you must obtain the express, informed consent of every attendee before recording begins. You must also disclose, before recording begins, that an automated transcription service is being used, that structured fields may be extracted by an AI model on behalf of Override Agency, and that the call may be monitored for training and coaching purposes (including live listen-in by your upline or downline through Command Center).

Override Agency provides the technical means to record and transcribe; it does not provide legal verification of consent compliance. You agree to indemnify Override Agency for any claim arising from your failure to obtain proper consent (see Section 17).

11. Agent content, client data, and Section 230

Any data you input or upload to the Platform — including leads, clients, meeting recordings, transcripts, applications, and documents (collectively, “Agent Content”) — remains your property or, where applicable, the property of the underlying data subject. You retain all rights, title, and interest in and to Agent Content.

You hereby grant Override Agency a worldwide, non-exclusive, royalty-free, time-limited license to host, copy, transmit, process, display, modify (only as needed to render the Platform), and create derivative outputs (such as transcripts and structured extractions) from Agent Content, solely for the purpose of providing the Platform to you and complying with our legal obligations. The license terminates when you delete the relevant Agent Content or close your account, subject to the retention periods in our Privacy Policy.

Override Agency is not the publisher or speaker of Agent Content. Consistent with Section 230 of the Communications Decency Act (47 U.S.C. § 230), Agent Content is your speech, not ours, and you are solely responsible for it.

You represent and warrant that:

You have all rights and consents necessary to upload, process, and use the Agent Content through the Platform.
The Agent Content does not infringe any third-party intellectual property right or privacy right.
Application data submitted to carriers through the Platform is, to your knowledge, true, accurate, and complete, and does not contain any false or misleading material statement that could constitute insurance fraud under any applicable state law.

12. DMCA notice-and-takedown

Override Agency respects the intellectual property rights of others and complies with the Digital Millennium Copyright Act (17 U.S.C. § 512). If you believe that material accessible on or through the Platform infringes your copyright, you may submit a written notice to our designated agent containing the information required by 17 U.S.C. § 512(c)(3), including:

A physical or electronic signature of the copyright owner or authorized agent.
Identification of the copyrighted work claimed to be infringed.
Identification of the allegedly infringing material with information reasonably sufficient to permit us to locate it.
Your contact information (name, address, phone, email).
A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law.
A statement, made under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorized to act on behalf of the owner.

Designated DMCA Agent: Override Tech LLC, Attn: DMCA Agent, 26 Van Riepen Ave, Jersey City, NJ 07306. Email: [email protected]. Notices that do not comply with 17 U.S.C. § 512(c)(3) may be ineffective. We will respond to valid notices in accordance with the DMCA, including by removing or disabling access to allegedly infringing material and notifying the affected user, who may submit a counter-notice. Repeat infringers will be terminated under Section 18.

13. Intellectual property

The Platform, including all software, source code, designs, content, trademarks, service marks, logos, and any improvements thereto, is owned by Override Tech LLC or our licensors and is protected by United States and international intellectual property laws.

Subject to your continued compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform during the term of your subscription, solely for your internal business as a licensed life-insurance agent. No other rights are granted by implication, estoppel, or otherwise. You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works based on the Platform, except as expressly permitted by these Terms or applicable law.

Feedback or suggestions you provide about the Platform may be used by us without restriction or compensation.

14. Third-party services

The Platform integrates with third-party services that you connect and use under your own credentials, including Stripe, Browserbase, Zoom, DocuSign, Google Workspace, Resend, and Railway-hosted infrastructure. Your use of those services is governed by each provider’s own terms of service and privacy policy. Override Agency does not control and is not responsible for the availability, accuracy, content, or practices of any third-party service.

15. TCPA, CAN-SPAM, and electronic communications

If the Platform transmits SMS, MMS, voice calls, or commercial email to your end clients on your behalf, or if you use the Platform’s features to facilitate such communications:

TCPA & state little-TCPAs. You represent and warrant that you have obtained any prior express consent (including prior express written consent for marketing autodialed or prerecorded calls and texts, where required) from each end-client recipient under the Telephone Consumer Protection Act (47 U.S.C. § 227) and analogous state statutes (such as the Florida Telephone Solicitation Act and Washington’s commercial-electronic-message statute), and that you maintain documentation of that consent. You are the sender of those messages for purposes of TCPA liability.
CAN-SPAM.Override Agency complies with the CAN-SPAM Act (15 U.S.C. §§ 7701–7713) and applicable FTC rules for marketing email it sends about its own service, including honoring opt-out requests. You are the sender of any commercial email you transmit using Platform features and are responsible for your own CAN-SPAM compliance, including identifying the message as commercial, providing a valid physical postal address, and honoring opt-out requests within 10 business days.
Do-Not-Call. You are responsible for scrubbing your outreach lists against the National Do-Not-Call Registry and applicable state do-not-call lists, and for maintaining an internal do-not-call policy as required by applicable law.

16. OFAC and anti-money-laundering compliance

You represent and warrant that you are not (a) named on any U.S. government sanctions list, including the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons List, the Sectoral Sanctions Identifications List, the Foreign Sanctions Evaders List, or the Bureau of Industry and Security’s Denied Persons or Entity List; (b) located in, ordinarily resident in, or organized under the laws of a country or territory subject to comprehensive U.S. sanctions; or (c) owned or controlled by, or acting on behalf of, any of the foregoing.

We may suspend or terminate your account, withhold services, or report transactions as required to comply with OFAC, anti-money-laundering, or counter-terrorist-financing laws.

17. Disclaimers

To the maximum extent permitted by applicable law, the Platform is provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, whether express, implied, statutory, or otherwise. Override Agency expressly disclaims all warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, uninterrupted operation, and freedom from harmful components.

Without limiting the foregoing, we do not warrant that AI-generated outputs (including transcripts and field extractions) are accurate, complete, or fit for any particular purpose. You must independently review every application, transcript, and extracted field before relying on it or submitting it to any carrier or regulator. The Platform is a tool to assist you; it does not replace your professional judgment as a licensed agent.

Some U.S. states do not allow the exclusion of certain implied warranties, so some of the above exclusions may not apply to you.

18. Limitation of liability and indemnification

18.1 Limitation of liability

To the maximum extent permitted by applicable law, in no event will Override Tech LLC, its affiliates, officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business opportunities, or commissions, arising out of or relating to these Terms or the Platform, even if we have been advised of the possibility of such damages.

Our aggregate liability arising out of or relating to these Terms or the Platform, regardless of the form of action, is limited to the greater of (a) the total fees you have paid to Override Agency for the Platform in the twelve (12) months immediately preceding the event giving rise to the claim, and (b) one hundred U.S. dollars (USD $100).

Some U.S. states (including, without limitation, the District of Columbia and certain consumer-facing contexts in California, Connecticut, Massachusetts, New Jersey, and others) do not allow the exclusion or limitation of liability for certain damages (including gross negligence, willful misconduct, fraud, personal injury, or violations of consumer-protection statutes). To the extent any such limitation is not permitted, the limitation will apply only to the fullest extent allowed by law.

18.2 Indemnification

You agree to defend, indemnify, and hold harmless Override Tech LLC and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

Your breach of these Terms or our Privacy Policy.
Your misuse of the Platform, including any violation of the acceptable-use rules in Section 8.
Your breach of any carrier’s terms of service, advisor agreement, or compliance rules, or any breach of state insurance regulations (including state Department of Insurance rules, state suitability rules, and state replacement-of-life-insurance rules).
Any application data you submit through the Platform that is false, misleading, unauthorized, or constitutes insurance fraud under applicable state law.
Your failure to obtain valid consent from meeting attendees before recording or transcription, including under any state all-party consent statute.
Your violation of the TCPA, CAN-SPAM, state telemarketing or do-not-call rules, or any analogous law in connection with communications to your end clients.
Any third-party claim that your Agent Content infringes that third party’s rights.

19. Suspension and termination

We may suspend or terminate your access to the Platform, in whole or in part, with or without notice, if we reasonably believe that: (a) you have breached these Terms; (b) your account has been compromised; (c) we are required to do so by law or by a competent regulator (including a state Department of Insurance) or carrier; (d) your account is delinquent on fees; or (e) you have engaged in fraud or activity harmful to other users, carriers, or Override Agency.

You may terminate your account at any time by deleting it through the Platform settings. Upon termination:

Your access to the Platform, including all stored leads, clients, transcripts, applications, and documents, will end.
The Platform will release the Browserbase contexts associated with your carrier connections, which causes the carrier session cookies to be discarded.
We will retain billing records as required by U.S. tax and regulatory law and other records as described in the Privacy Policy.

You are responsible for exporting your lead, client, meeting, and application records before termination. We provide an export tool inside the Platform for this purpose. Sections 8, 11–18, and 20–22 survive termination.

20. Governing law and dispute resolution

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

20.1 Informal resolution

Before commencing any formal proceeding, the parties agree to attempt in good faith to resolve any dispute by sending written notice to the other party describing the dispute, and engaging in a good-faith discussion for at least 30 days. Notice to Override Agency must be sent to [email protected].

20.2 Binding individual arbitration; FAA

If the dispute is not resolved through informal discussion, the parties agree to submit the dispute to binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules in effect on the date the arbitration is commenced (or, where applicable to a dispute primarily personal in nature, the AAA Consumer Arbitration Rules). The arbitration will be conducted by a single arbitrator, in English, seated in Newark, New Jersey, unless the parties agree otherwise. The arbitrator’s decision is final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

The Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) governs the interpretation and enforcement of this arbitration provision.

Carve-out for intellectual property and injunctive relief. Either party may seek injunctive or other equitable relief in a state or federal court of competent jurisdiction located in Hudson County, New Jersey, or Essex County, New Jersey, to prevent the unauthorized use, infringement, or misappropriation of its intellectual property, confidential information, or proprietary rights, without first satisfying the informal-resolution or arbitration requirements above.

Small-claims carve-out. Either party may bring an individual claim in a small-claims court of competent jurisdiction in lieu of arbitration, so long as the claim remains in that court and is not removed, transferred, or expanded.

20.3 Class-action and collective-action waiver

To the maximum extent permitted by applicable law, the parties agree that disputes will be resolved on an individual basis only and not as part of a class action, collective action, mass action, consolidated action, or representative action of any kind. The arbitrator may not consolidate or join more than one person’s claims and may not preside over any form of representative or class proceeding. If this class-action waiver is held unenforceable as to any claim, that claim must be litigated in court rather than arbitrated, but the remainder of this Section 20 will continue to apply.

20.4 Jury-trial waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY IRREVOCABLY WAIVES THE RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM.

20.5 Venue

For any claim that is not subject to arbitration under this Section 20, the parties consent to the exclusive jurisdiction of the state and federal courts located in Hudson County, New Jersey and the District of New Jersey, and waive any objection to venue or forum non conveniens in those courts.

20.6 State-specific consumer carve-backs

Nothing in these Terms is intended to override or limit any non-waivable right you may have under the consumer-protection law of your state of residence. Where a specific provision of these Terms is unenforceable in your state under applicable consumer-protection law, that provision will be modified or severed only to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

21. Modifications to these terms

We may update these Terms from time to time. When we make material changes, we will provide at least 30 days’ notice by email and via an in-Platform banner. The updated Terms take effect on the date stated at the top of this page. Your continued use of the Platform after the effective date constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Platform.

22. Miscellaneous

Entire agreement. These Terms, together with the Privacy Policy and any order form or addendum we expressly incorporate, constitute the entire agreement between you and Override Agency regarding the Platform, and supersede all prior or contemporaneous agreements, communications, and proposals on the subject matter.
Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be modified to the minimum extent necessary to be enforceable, and the remaining provisions will continue in full force and effect.
No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
Assignment. You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, financing, or sale of assets. Any assignment in violation of this section is void.
Force majeure. Neither party is liable for any failure or delay in performance (other than payment obligations) caused by events beyond its reasonable control, including natural disasters, internet or power outages, third-party service failures, labor disputes, governmental orders, or acts of war or terrorism.
Notices. Notices to you may be sent to the email address associated with your account or posted within the Platform. Notices to us must be sent to [email protected], with a copy to 26 Van Riepen Ave, Jersey City, NJ 07306.
Independent contractors. The parties are independent contractors. These Terms do not create any partnership, joint venture, agency (other than the limited authorization in Section 9 to act as your authorized service provider with respect to carrier portals), or employment relationship.
U.S. Government users. The Platform is “commercial computer software” within the meaning of FAR 12.212 and DFARS 227.7202. Use, duplication, or disclosure by the U.S. Government is subject to these Terms.
Export control. You represent and warrant that you will not access or use the Platform in violation of U.S. export-control or sanctions laws (see Section 16).

23. Contact information

For notices and questions about these Terms, contact:

Override Tech LLC (d/b/a Override Agency)
26 Van Riepen Ave, Jersey City, NJ 07306, United States
Email (general / privacy): [email protected]
Email (legal notices, DMCA, arbitration notices): [email protected]
Phone: (973) 519-2861

See also our United States Privacy Policy.