By accessing or using the Services provided by Consently LLC ("Consently," "we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree, you may not use the Services.

Our Services are available only within the United States and may not be accessed or used from Canada, Mexico, U.S. territories or provinces, or the states of New York and California. Any attempt to use the Services from these locations is prohibited and void.

Consently does not provide, support, or facilitate medical insurance services. Our Services are intended solely for licensed life insurance agents and their clients.

• Be at least 18 years old
• Be legally capable of entering into a binding contract
• Reside in a U.S. state where our Services are offered (excluding New York and California)
• Hold an active life insurance license in good standing in your home state

All new account sign-ups undergo a mandatory verification process before activation. You agree to:

• Provide accurate licensing details, including your National Producer Number (NPN)
• Authorize us to cross-reference your license with your home state’s Department of Insurance database (e.g., the Michigan Department of Insurance and Financial Services (DIFS) for Michigan agents)
• Understand that if your licensing details do not match official state records or your license is inactive, suspended, or revoked, we may deny your application

To protect clients and ensure agent legitimacy, we will:

• Review all active accounts every calendar quarter
• Confirm that your license is active, Continuing Education (CE) requirements are current, and there are no suspensions, revocations, or disciplinary actions
• Suspend or terminate accounts that fail to meet licensing requirements, without refund

Consently provides a secure, web-based platform for licensed life insurance agents and their clients to exchange sensitive data, including:

• Digital form completion
• Consent capture
• Secure document storage

• You must provide accurate and complete information during registration
• You are responsible for safeguarding your account credentials
• You must notify us immediately of any unauthorized use of your account

While we verify licensing before account activation and conduct quarterly reviews, we do not guarantee the future accuracy of state records. Clients are encouraged to verify agent credentials independently.

If Services are paid:

• All payments are processed via Stripe
• Unless otherwise stated, all fees are non-refundable
• You agree to pay all applicable taxes

• Use the Services for unlawful purposes
• Upload malicious code or attempt to gain unauthorized access
• Misrepresent your identity or licensing status
• Access the Services from a prohibited location or for prohibited purposes (including medical insurance)

All content, software, and trademarks remain the property of Consently LLC. You are granted a non-exclusive, non-transferable license to use the Services.

To the fullest extent permitted by law:

• Consently shall not be liable for indirect, incidental, or consequential damages
• Our maximum liability shall not exceed the amount paid for Services in the 12 months preceding the claim

You agree to indemnify and hold Consently harmless from claims arising from your use of the Services or violation of these Terms.

If we determine that you have accessed the Services from a prohibited location, used the Services for prohibited purposes (including medical insurance), or failed a quarterly license compliance review, we may suspend or terminate your account immediately without notice and without refund.

We are not liable for delays or failures caused by events beyond our control, including natural disasters, internet outages, government actions, or strikes.

These Terms are governed by the laws of the State of Michigan, United States. Any disputes shall be resolved exclusively by binding arbitration in Oakland County, Michigan, under the rules of the American Arbitration Association.

If any provision is found unenforceable, the remaining provisions will remain in effect. Failure to enforce any right does not constitute a waiver.

We may update these Terms from time to time. For material changes, we will provide at least 30 days’ advance notice before the changes take effect, unless required by law or for security purposes. Notification methods may include:

• Email sent to the address on file
• Prominent notice within your account dashboard
• Posting a banner or pop-up on our website

If the update is material, you will be required to review and electronically acknowledge the updated Terms before continuing to use the Services. If you do not agree to the updated Terms, you must stop using the Services before the effective date. Your continued use after the effective date constitutes acceptance.

Consently LLC
30500 Van Dyke Ave, Suite 800, Warren, MI 48093
Email: support@consently.org