Client Terms of Use

1. Acceptance and Scope

These Client Terms of Use ("Terms") govern your access to and use of the agent-branded client application, educational artificial intelligence assistant, website, Progressive Web Application, communications features, content, and related services powered by VRM Office (collectively, the "App"). By selecting an acceptance control, installing or saving the App, or accessing or using it, you agree to these Terms and acknowledge the VRM Office Privacy Policy. If you do not agree, do not access or use the App.

These Terms are a binding agreement between you and VRM Office concerning the technology and services VRM Office provides. Your assigned insurance agent or other licensed professional (the "Agent") may provide the App under the Agent's branding. Separate terms, authorizations, disclosures, or professional-service arrangements may apply to your relationship with the Agent.

2. Who Provides the App

VRM Office owns, operates, and licenses the software, artificial intelligence configurations, prompts, guardrails, workflows, knowledge bases, automations, interfaces, and related technology used to provide the App. The Agent owns and manages the Agent's relationship with you. VRM Office does not acquire that professional or customer relationship merely because it supplies the technology.

VRM Office and the Agent are independent parties. Unless expressly stated in writing, neither may bind the other, and neither is the other's employee, partner, joint venturer, or general representative.

3. Eligibility

You may use the App only if you are at least eighteen years old, have legal capacity to agree to these Terms, reside in the United States, and have been invited and approved by an authorized Agent. The App is not directed to children under thirteen and is not intended for use by a child without the involvement of a parent, guardian, and the Agent where legally appropriate.

4. Invitation, Approval, and Access

Access is invitation-based. You may be required to complete onboarding, accept these Terms and the Privacy Policy, review an educational-AI disclosure, and sign or acknowledge a separate authorization before the Agent approves access. Completing onboarding does not guarantee approval. The Agent may approve or deny access, and the App may remain unavailable until approval is recorded.

Your access is personal, limited, revocable, and non-transferable. You may not share an access link, device-based access method, or other access mechanism with another person. If you believe someone else can access your App, notify your Agent promptly.

5. Technical Requirements and App Access

The App may be provided as a Progressive Web Application that you save to a compatible phone or other device. A working internet connection is required for the educational AI assistant, current content, and most features. Carrier, data, messaging, and internet charges are your responsibility.

The App may not use a conventional username and password. You are responsible for securing your device, using its screen lock and other protections, and removing the App if you no longer want it on that device. Deleting an icon or local installation does not necessarily delete information already stored in the Platform or the Agent's records.

6. Educational AI Purpose

The educational AI assistant is intended to explain general concepts using sources and materials selected by VRM Office. Initial content may address Medicare and insurance education. VRM Office may add, remove, or change educational subject areas, including life insurance, property and casualty insurance, estate-planning concepts, trusts, financial education, or tax education.

Educational content is general information. It is not a quote, offer, policy, contract, coverage determination, benefit determination, eligibility determination, enrollment transaction, fiduciary service, or professional opinion.

7. No Professional Advice or Product Recommendations

THE APP AND EDUCATIONAL AI ASSISTANT DO NOT PROVIDE INSURANCE, LEGAL, TAX, MEDICAL, INVESTMENT, FINANCIAL-PLANNING, OR OTHER PROFESSIONAL ADVICE. THEY DO NOT RECOMMEND A PRODUCT, PLAN, CARRIER, BENEFIT, COVERAGE AMOUNT, PROVIDER, ENROLLMENT DECISION, LEGAL STRATEGY, TAX POSITION, TREATMENT, OR TRANSACTION. THEY DO NOT REPLACE A LICENSED PROFESSIONAL'S INDEPENDENT JUDGMENT.

Your use of the App does not create an attorney-client, physician-patient, investment-adviser, fiduciary, insurance-producer, or other professional relationship with VRM Office. Contact your Agent and, where appropriate, your attorney, tax professional, medical professional, financial professional, government agency, plan administrator, carrier, or other qualified adviser for advice about your circumstances.

8. AI Limitations and Required Verification

Artificial intelligence can misunderstand a question or produce information that is inaccurate, incomplete, inconsistent, outdated, or unsuitable for your circumstances. Source citations or links, when provided, may not address every exception or current rule. Content can also change after it is generated.

DO NOT RELY ON THE APP AS THE SOLE BASIS FOR PURCHASING, REPLACING, CANCELING, ENROLLING IN, OR CHANGING INSURANCE, BENEFITS, HEALTH CARE, INVESTMENTS, LEGAL ARRANGEMENTS, TAX TREATMENT, OR ANY OTHER IMPORTANT DECISION. BEFORE ACTING, VERIFY THE INFORMATION WITH YOUR ASSIGNED AGENT AND THE CONTROLLING OFFICIAL SOURCE OR OTHER QUALIFIED PROFESSIONAL.

You are responsible for reviewing the full terms of any policy, plan, contract, official publication, or government notice. If App content conflicts with an official source or governing document, the official source or governing document controls.

9. Your Assigned Agent

The Agent is responsible for the Agent's professional relationship with you, including personalized communications, recommendations the Agent independently chooses to make, licensure, appointments, certifications, and compliance obligations. VRM Office does not select products for you, supervise the Agent's professional judgment, or guarantee that an Agent is qualified for a particular matter.

Questions about your coverage, plan, enrollment, application, transaction, or personal circumstances should be directed to the Agent. For technical problems, contact the Agent first; the Agent can request platform support from VRM Office.

10. Your Responsibilities

• Provide information that is accurate, current, and lawfully submitted.

• Use the App only for your own lawful educational purposes.

• Protect your device and access method and promptly report suspected unauthorized access.

• Avoid entering information that is unnecessary for your educational question, especially highly sensitive identifiers such as Social Security numbers, payment-card data, account passwords, or complete medical records.

• Review responses carefully and consult the Agent or another qualified professional before acting.

• Comply with applicable law and respect the rights and privacy of others.

11. Prohibited Conduct

You may not, directly or indirectly:

• use the App for unlawful, fraudulent, deceptive, abusive, threatening, discriminatory, or harmful conduct;

• impersonate another person or submit another person's information without authority;

• attempt to obtain recommendations or decisions the App is not designed to provide, or evade safety controls;

• probe, scan, test, disrupt, overload, disable, or circumvent security or access controls;

• introduce malicious code, automate unauthorized requests, scrape content, or use the App to build or train a competing system;

• reverse engineer, decompile, copy, modify, sell, sublicense, or exploit any part of the App except as law expressly permits;

• remove proprietary notices or falsely suggest endorsement by VRM Office, the Agent, a carrier, or a government agency; or

• use App output to make automated decisions about another person.

12. Privacy, Health Information, and Authorizations

The VRM Office Privacy Policy explains how information is collected, used, disclosed, retained, and protected in connection with the App. It is incorporated into these Terms by reference. A separate HIPAA authorization or other consent may be presented during onboarding. That authorization is separate from these Terms and controls within its stated scope.

Whether a particular Agent, VRM Office, or a service provider is subject to the Health Insurance Portability and Accountability Act of 1996 (HIPAA) depends on the facts, the parties' legal roles, and applicable law. These Terms do not by themselves designate any party as a HIPAA covered entity or business associate.

13. Conversation Records and the Agent CRM

Your questions, AI responses, approval status, and related communications may be stored under your record in the Agent's customer-relationship-management environment so that the App can operate, the Agent can maintain continuity, and authorized personnel can support, secure, and administer the service. The Agent may separately retain information as part of the Agent's business or legal records.

VRM Office does not use your App conversations for its own marketing and does not use the Agent's client relationship as a VRM Office marketing database. VRM Office may process information as described in the Privacy Policy to provide, protect, support, and improve the Platform and to comply with law.

14. Intellectual Property and Limited License

VRM Office and its licensors retain all right, title, and interest in the App and its software, interfaces, prompts, guardrails, workflows, knowledge bases, content arrangement, documentation, trademarks, and other technology. Subject to these Terms, VRM Office grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable license to use the App for its intended educational purpose while your access remains active.

You retain rights you lawfully hold in information you submit. You grant VRM Office, the Agent, and their authorized service providers a limited right to host, reproduce, transmit, process, and display that information as reasonably necessary to provide, support, secure, and administer the App, comply with law, and enforce these Terms.

15. Third-Party Services

The App may rely on or link to third-party services, including hosting, communications, customer-relationship-management, artificial-intelligence, security, analytics, or official-information services. Third parties may have their own terms and privacy practices. VRM Office is not responsible for a third-party service outside VRM Office's control, but this does not limit any responsibility that applicable law does not permit VRM Office to disclaim.

16. Availability, Updates, and Changes

VRM Office may maintain, update, replace, limit, suspend, or discontinue features, content, knowledge sources, integrations, or subject areas. The App may be interrupted by maintenance, internet or carrier failures, third-party outages, security events, legal requirements, or circumstances beyond reasonable control. VRM Office does not guarantee uninterrupted, error-free, or permanently available service.

Current access may be offered without charge. VRM Office or the Agent may introduce optional paid features or services in the future, but charges will not apply to you without a separate disclosure and legally valid agreement.

17. Suspension, Termination, and Data Deletion

You may stop using the App at any time. The Agent or VRM Office may suspend or terminate access when reasonably necessary for security, fraud prevention, legal compliance, platform protection, suspected misuse, service changes, termination of the Agent's platform access, or another legitimate business reason.

Following termination, VRM Office may deactivate access and delete or de-identify information from active systems within a commercially reasonable period. Information may be retained when required or reasonably necessary for law, fraud prevention, security, dispute resolution, litigation hold, enforcement, audit, or a documented backup lifecycle. Deleting the App from your device does not itself delete records maintained by the Agent, VRM Office, or service providers.

18. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE APP AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” VRM OFFICE DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AVAILABILITY, SECURITY, AND RESULTS. VRM OFFICE DOES NOT WARRANT THAT THE APP WILL MEET YOUR REQUIREMENTS, THAT CONTENT WILL BE CURRENT OR ERROR-FREE, OR THAT A PARTICULAR OUTCOME, ELIGIBILITY DETERMINATION, APPROVAL, BENEFIT, PRICE, OR COVERAGE WILL RESULT.

Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, the exclusions apply only to the extent permitted by law.

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VRM OFFICE AND ITS OWNERS, AFFILIATES, PERSONNEL, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OPPORTUNITY; OR COSTS OF SUBSTITUTE SERVICES, ARISING FROM OR RELATED TO THE APP OR THESE TERMS, EVEN IF ADVISED THAT SUCH DAMAGES WERE POSSIBLE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF VRM OFFICE AND THE FOREGOING PARTIES FOR ALL CLAIMS ARISING FROM OR RELATED TO THE APP OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED U.S. DOLLARS (US $100); OR (B) THE AMOUNT YOU PAID DIRECTLY TO VRM OFFICE FOR THE APP DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

These limits do not apply to liability that cannot lawfully be limited, and they will be applied to preserve any minimum remedy required by law.

20. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless VRM Office and its owners, affiliates, personnel, licensors, and service providers from third-party claims, damages, and reasonable costs arising from your unlawful conduct, your material violation of these Terms, or information you submit without legal authority. This section does not require you to indemnify a party for that party's own negligence, willful misconduct, or violation of law, and it does not apply where prohibited by law.

21. Dispute Resolution; Arbitration; Class Waiver

21.1 Informal Resolution

Before filing a claim, you and VRM Office will each make a good-faith effort to resolve it informally. A claimant must send a written notice describing the claimant's name and contact information, the relevant facts, the requested relief, and supporting documents. The parties will allow at least thirty days after receipt for informal resolution. This requirement does not prevent either party from seeking urgent temporary relief where necessary to prevent immediate harm.

21.2 Individual Arbitration

Except for a claim eligible for small-claims court and a claim seeking temporary or permanent injunctive relief for unauthorized use or infringement of intellectual property, any dispute arising from or relating to the App or these Terms will be resolved by final and binding arbitration on an individual basis. The Federal Arbitration Act governs this section. Arbitration will be administered by the American Arbitration Association under its then-current Consumer Arbitration Rules, as modified by these Terms. A hearing may occur by telephone, video, written submissions, or in a reasonably convenient location.

21.3 Class and Jury Waiver

YOU AND VRM OFFICE WAIVE THE RIGHT TO A JURY TRIAL. CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN A CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, OR REPRESENTATIVE PROCEEDING. AN ARBITRATOR MAY AWARD RELIEF ONLY TO THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO RESOLVE THAT PARTY'S INDIVIDUAL CLAIM.

21.4 Thirty-Day Opt-Out

You may opt out of Sections 21.2 and 21.3 by sending written notice within thirty days after you first accept these Terms. The notice must include your name, the Agent's name, a reliable way to contact you, and a clear statement that you opt out of arbitration. Send the notice using the direct legal-notice address published in the App or Privacy Policy. Opting out will not affect other provisions of these Terms.

21.5 Severability of Arbitration Terms

If a court finds the class or representative-action waiver unenforceable for a particular claim or requested remedy, that claim or remedy will proceed in court after all arbitrable claims are completed. If another portion of this Section 21 is unenforceable, it will be severed and the remainder enforced to the maximum extent permitted by law.

22. Governing Law

Except to the extent federal law controls or applicable consumer law requires otherwise, these Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any court proceeding permitted under these Terms will be brought in a state or federal court with jurisdiction in St. Lucie County, Florida, and the parties consent to personal jurisdiction and venue there, unless applicable law requires another forum.

23. Electronic Communications and Contracting

You consent to receive agreements, disclosures, notices, and records electronically through the App, email, text message, or another contact method you provide, subject to applicable law and any separate communications consent. Your electronic acceptance has the same legal effect as a handwritten signature. Keep your contact information current and retain copies of documents important to you.

24. Changes to These Terms

VRM Office may update these Terms to reflect changes in the App, law, risk, or business operations. The updated Terms will identify a revised date. When these Terms are updated, VRM Office will show a notice in the App. Your continued use of the App after the updated date means you accept the updated Terms. Changes do not retroactively alter a dispute that arose before the updated Terms became effective unless the parties expressly agree.

25. Notices and Support

For questions about insurance, benefits, enrollment, or your circumstances, contact your assigned Agent. For technical support, contact the Agent first so the Agent can route the request. Privacy requests may be submitted through the method identified in the App or Privacy Policy. Formal legal notices to VRM Office must be sent to: VRM Office, 601 21st St Ste. 300, Vero Beach, FL 32960.

26. General Terms

These Terms, the Privacy Policy, and any disclosures or authorizations expressly incorporated into them constitute the entire agreement between you and VRM Office regarding the App. If a provision is unenforceable, it will be modified only as much as necessary and the remainder will continue in effect. VRM Office's failure to enforce a provision is not a waiver. You may not assign these Terms without VRM Office's written consent; VRM Office may assign them in connection with a merger, reorganization, sale of assets, financing, or transfer of the Platform, subject to applicable law. Headings are for convenience. Sections that by their nature should survive termination—including ownership, disclaimers, liability limits, dispute terms, and general provisions—will survive.