FEX.Life Terms and Conditions of Service

1. Agreement

These Terms constitute a legally binding agreement between you (“Client,” “User,” or “You”) and FEX.Life (“FEX.Life,” “We,” or “Us”). The Terms govern your use of our website located at https://fex.life (the “Site”) and all services we provide through the Site, including our life insurance Customer Relationship Management (CRM) system and Dialer functionality (collectively, the “Platform” or “Services”). By using our Services, you represent that you have the authority to enter into this Agreement on behalf of your organization, if applicable.

2. License to Use the Services

Upon successful registration and, if applicable, payment of any required fees, FEX.Life grants you a limited, non-exclusive, non-transferable, revocable license to access and use our Services solely for your internal business purposes. Your use of the Services is strictly subject to these Terms and any additional policies incorporated herein. You further agree that your access to the Platform is subject to the licensing terms and restrictions imposed by our technology and data partners as noted below.

3. Data Sources, Ownership of Leads, and Cloud Data Management

3.1 Data Sources and Ownership of Leads

FEX.Life is a technology platform designed to facilitate the management of life insurance leads, communications, and client relationships. You are solely responsible for obtaining, verifying, and ensuring the legal compliance of any lead data you use with our Services. FEX.Life does not endorse, guarantee, or assume any liability regarding the source, quality, or legality of any lead data

3.2 Cloud Data Management

All cloud data that is hosted on our Platform—including data provided by users and data downloaded from the FEX Life CRM—is managed by Insurtech Data Solutions LLC (Wyoming). By using our Services, you acknowledge and agree that:

• nsurtech Data Solutions LLC is responsible for the storage, security, and management of your cloud data.
• You retain ownership of your data; Insurtech Data Solutions LLC acts solely as a data processor on behalf of FEX.Life in accordance with our contractual arrangements and applicable law
• Your use of the Platform’s cloud data is subject to these Terms and any applicable data protection policies referenced herein

4. External Resources and Third-Party Integrations

Our Services may include integrations with third-party applications or features that are not directly developed by FEX.Life. In particular:

• Dialer Integration: The dialer functionality offered within our Platform is owned and provided as a third‑party integration by AI PowerDialer LLC (Wyoming).
• Cloud Data Management: As noted above, all cloud data hosted on the Platform is managed by Insurtech Data Solutions LLC (Wyoming).

You acknowledge that FEX.Life has no control over these third-party resources and is not responsible for their content, availability, or functionality. Your use of any such resources is governed solely by the third party’s own terms and conditions.

5. Proprietary Rights and Ownership

The Platform is comprised of multiple components provided by different entities. Your use of the Services is subject to the following intellectual property rights:

• CRM Software: The CRM component of the Platform is owned, licensed, and provided by FEX Life LLC (Indiana). All rights, title, and interest in this software remain with FEX Life LLC.
• Dialer System: The dialer functionality is owned and provided as a third‑party integration by AI PowerDialer LLC (Wyoming). Use of the dialer is subject to any additional terms that AI PowerDialer LLC may impose, which you acknowledge and agree to as part of your overall use of the Platform
• Cloud Data Management: All cloud data hosted on the Platform—whether provided by you or downloaded from the FEX Life CRM—is managed byWhile you retain ownership of your data, Insurtech Data Solutions LLCis responsible for its storage and processing

Except as expressly provided herein, no transfer of intellectual property rights is intended or implied from these entities to you. You may not modify, distribute, reverse engineer, decompile, or otherwise attempt to derive the source code or proprietary algorithms of any part of the Platform.

6. Confidential Information

You agree to maintain the confidentiality of any non-public information disclosed by FEX.Life or accessed through the use of our Services (“Confidential Information”). This obligation applies during your use of the Services and continues indefinitely after termination.

7. Registration, Account Security, and Use of the Platform

• RegistrationTo access our Services, you must register for an account and provide complete, accurate, and current information as prompted.
• Account Security:You are responsible for maintaining the confidentiality of your account credentials (including passwords) and for all activities that occur under your account. If you suspect any unauthorized use, you must promptly notify FEX.Life at support@fex.life.
• User Conduct:You agree not to misrepresent your identity or provide false information when registering or using the Services.

8. Acceptable Use and Compliance with Laws

You agree to use the Services only in accordance with all applicable local, state, federal, and international laws and regulations, including but not limited to:

• Data protection and privacy laws;
• Telemarketing and electronic communications laws (e.g., TCPA, Do-Not-Call rules)
• Insurance industry regulations regarding client solicitation, data handling, and marketing communications.

Your use of the Platform’s dialer, CRM, and related features must adhere strictly to these laws. Any violation may result in immediate suspension or termination of your account and may subject you to legal liability.

9. Payment, Fees, and Billing

• Fees: Certain features of the Platform may require payment. All fees—including subscription, usage, or additional feature fees—are disclosed during registration or in separate fee schedules. Fees are subject to change upon notice
• Billing: By providing your payment information, you authorize FEX.Life to charge your designated payment method on a recurring basis for access to the Services
• Taxes: All fees are exclusive of applicable taxes, which you agree to pay as required by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless FEX.Life, its officers, directors, employees, agents, and affiliates—as well as AI PowerDialer LLC (Wyoming), Insurtech Data Solutions LLC (Wyoming), and FEX Life LLC (Indiana)—from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Services;
• Your breach of these Terms or any applicable law;
• Any claim that the data, communications, or other content you provide infringes upon or violates any third-party intellectual property or proprietary right;
• Any non-compliant or improper use of the dialer or CRM features; or
• Any act or omission by you or your agents in connection with your use of the Platform.

FEX.Life and its partners reserve the right to assume the exclusive defense and control of any claim subject to indemnification by you

11. Disclaimers of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FEX.Lifee does not warrant uninterrupted or error-free operation of the Services, and the performance of the dialer or other integrated components (provided byAI PowerDialer LLC)may be affected by factors beyond our control.

12. Limitation of Liability

• Exclusion of Damages:IN NO EVENT SHALL FEX.Life, AI PowerDialer LLC (Wyoming), Insurtech Data Solutions LLC (Wyoming), or FEX Life LLC (Indiana) (collectively, “the Providers”) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES.
• Aggregate Liability:The aggregate liability of the Providers for any and all claims under these Terms shall not exceed the total amount paid by you for the Services in the three (3) months preceding the claim.

13. Service Availability and Maintenance

While FEX.Life and its partners will make commercially reasonable efforts to ensure the availability and performance of the Services, we do not guarantee uninterrupted or error-free operation. Scheduled maintenance, updates, or unforeseen issues may result in temporary service interruptions. FEX.Life is not liable for any such interruptions.

14. Term and Termination

• Term: These Terms become effective upon your acceptance and continue until terminated by either party
• Termination by You:You may terminate your account at any time by following the procedures on our Site
• Termination by FEX.Life or Partners: We reserve the right to suspend or terminate your account or access to the Services immediately, without prior notice, if you breach these Terms or engage in prohibited conduct.
• Effects of Termination:Upon termination, all rights granted to you will cease, and you must immediately stop using the Services. FEX.Life may delete your account and associated data without further notice. You remain responsible for any fees incurred prior to termination.

15. Dispute Resolution and Governing Law

• Governing Law: These Terms are governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law principles.
• Venue:Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in [Insert County, State].
• Arbitration: If required by applicable law, you agree that any dispute arising out of or relating to your use of the Services—including disputes with FEX.Life and, to the extent that such disputes relate to integrated third‑party components (such as those provided by AI PowerDialer LLC or Insurtech Data Solutions LLC)—shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, and you hereby waive any rights to a jury trial or class action. If a dispute arises solely between you and a third‑party provider (and does not involve FEX.Life), then the dispute shall be governed by the dispute resolution provisions of the third‑party provider’s agreement

16. Notices

All notices under these Terms must be in writing and delivered to:

• Email: The email addresses provided during registration or to support@fex.life.
• Postal Mail:FEX.Life’s mailing address at:
  8520 Allison Pointe Boulevard, Suite 220 #122, Indianapolis, IN, 46250, USA
  Attn: Legal Department

Notices are deemed effective upon delivery.

17. Modifications to the Terms

FEX.Life reserves the right to modify these Terms at any time. Material changes will be posted on our Site along with an updated Effective Date. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.

18. Entire Agreement; Severability; Waiver

All notices under these Terms must be in writing and delivered to:

• Entire Agreement: These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and FEX.Life regarding the Services.
• Severability:If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and effect.
• Waiver:No waiver of any provision of these Terms is effective unless in writing and signed by an authorized representative of FEX.Life. Failure to enforce any provision does not constitute a waiver of future enforcement.

19. Force Majeure

FEX.Life, AI PowerDialer LLC, Insurtech Data Solutions LLC, and FEX Life LLC shall not be liable for any failure or delay in performing obligations under these Terms due to causes beyond their reasonable control, including natural disasters, terrorism, labor disputes, or governmental actions.

20. Additional Provisions

• Non-Assignment: You may not assign these Terms or your rights or obligations without our prior written consent.
• No Agency:: Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and FEX.Life or its partners.
• Headings: Section headings are provided for convenience only and do not affect the interpretation of these Terms.

21. Contact Information

If you have any questions or concerns regarding these Terms, please contact us at

FEX.Life

8520 Allison Pointe Boulevard, Suite 220 #122, Indianapolis, IN, 46250, USA

Email: support@fex.life

Website: https://fex.life