TERMS OF USE — PROVENANT LIFE — EFFECTIVE DATE: JANUARY 1, 2026 — VERSION 1.0 — PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE. BY ACCESSING OR USING THIS WEBSITE, SUBMITTING AN APPLICATION, INQUIRY, OR ANY OTHER INFORMATION, OR OTHERWISE ENGAGING WITH PROVENANT LIFE IN CONNECTION WITH YOUR INTEREST IN BECOMING A LICENSED INSURANCE AGENT, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE, OUR PRIVACY POLICY, AND ALL APPLICABLE AGENCY AGREEMENTS AND CARRIER CONTRACTS, EACH OF WHICH IS INCORPORATED HEREIN BY REFERENCE AND CONSTITUTES PART OF A BINDING LEGAL AGREEMENT BETWEEN YOU AND PROVENANT LIFE. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THIS WEBSITE OR SUBMIT ANY INFORMATION TO PROVENANT LIFE.
ARTICLE I — ACCEPTANCE, MODIFICATION, AND INTERPRETATION. 1.01 Acceptance of Terms. By accessing, browsing, or using this Website in any manner, you irrevocably accept and agree to be bound by these Terms of Use. This acceptance is effective as of the first date on which you access or use this Website or submit any information to Provenant Life. 1.02 Modification of Terms. Provenant Life reserves the right to modify, amend, supplement, or restate these Terms of Use at any time in its sole and absolute discretion, without prior notice to you, except as may be required by applicable law. Modified Terms will be posted on this Website with an updated effective date. Your continued use of this Website following the posting of any modifications constitutes your irrevocable acceptance of the modified Terms. It is your sole responsibility to review these Terms periodically for changes. 1.03 Entire Agreement. These Terms of Use, together with our Privacy Policy and any agency agreement or carrier contract you enter into in connection with your participation as an agent, constitute the entire and exclusive agreement between you and Provenant Life with respect to your use of this Website and your engagement with our recruiting and onboarding process, and supersede all prior and contemporaneous agreements, representations, warranties, and understandings, whether written or oral, with respect to such subject matter. 1.04 Definitions. "Website" means the Provenant Life recruiting and informational website, including all pages, forms, embedded tools, and linked resources. "Company" means Provenant Life and its principals and managing agents. "Carrier Partners" means the licensed insurance carriers available for agent appointment, as described in these Terms and in separate carrier contracting materials. "Applicant" means any person who submits an application, inquiry, or other information through this Website or any associated channel. "Agent" means any person who has entered into a written agency agreement with Provenant Life and/or been contracted. "Lead Programs" means the paid lead and leads-at-cost programs described on this Website and in greater detail in separate program materials. "Independent Contractor" has the meaning ascribed to it in Article IV. 1.05 Interpretation. Headings are for convenience only and shall not affect the interpretation of these Terms. The use of "including" means including without limitation.
ARTICLE II — DESCRIPTION OF WEBSITE AND SERVICES. 2.01 Nature of Website. This Website is operated by Provenant Life for the purpose of informing prospective insurance agents about the opportunity to join Provenant Life as independent contractors, providing information about our lead programs, training systems, carrier access, and compensation structure, and facilitating the initial stages of the application and onboarding process. The Website is not intended to constitute an offer of employment or a guarantee of any particular income or business outcome. 2.02 Not Legal Advice. Nothing on this Website constitutes legal, tax, financial, compliance, or regulatory advice. All information provided on this Website regarding insurance licensing, carrier contracting, regulatory compliance, and compensation is for general informational purposes only. You are solely responsible for understanding and complying with all applicable insurance laws and regulations in your state(s) of licensure. Consult qualified legal, tax, and compliance professionals regarding your individual circumstances. 2.03 Not an Employment Offer. Nothing on this Website constitutes an offer of employment, a promise of employment, or a guarantee of any particular business arrangement. All agents who participate with Provenant Life do so as independent contractors pursuant to written agency agreements. Your submission of an application does not create any employment, agency, partnership, joint venture, or other legal relationship between you and Provenant Life until a written agency agreement has been fully executed by both parties. 2.04 Information Accuracy. Provenant Life makes reasonable efforts to ensure that the information on this Website is accurate and current. However, we make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any information on the Website. Compensation figures, income examples, and production statistics are provided for illustrative purposes only and do not constitute guarantees of specific results. Carrier availability, product portfolios, and commission structures are subject to change without notice. 2.05 Website Availability. Provenant Life does not guarantee that this Website will be available at all times or that access will be uninterrupted. We reserve the right to suspend, modify, or discontinue this Website or any portion thereof at any time without notice.
ARTICLE III — AUTHORIZED USE OF WEBSITE. 3.01 License to Use. Subject to your compliance with these Terms, Provenant Life grants you a limited, non-exclusive, non-transferable, revocable license to access and use this Website for the sole purpose of evaluating the opportunity to join Provenant Life as an independent contractor agent and, if applicable, submitting an application for such participation. 3.02 Prohibited Uses. You agree that you will not, and will not permit any third party to: (a) Use this Website for any purpose that is unlawful, deceptive, fraudulent, or harmful; (b) Submit false, misleading, or inaccurate information through any form or application on this Website; (c) Impersonate any person or entity, or falsely state or misrepresent your identity, qualifications, or affiliation with any person or entity; (d) Attempt to gain unauthorized access to any portion of this Website or any system, network, or database connected to this Website; (e) Use any automated means, including bots, scrapers, crawlers, or data mining tools, to access, collect, or extract information from this Website without our express written permission; (f) Introduce any virus, malware, ransomware, Trojan horse, or other harmful code or software to this Website or any connected system; (g) Interfere with or disrupt the integrity, performance, or operation of this Website or any connected system; (h) Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any software underlying this Website; (i) Use this Website to transmit any unsolicited commercial communications, spam, or chain letters; (j) Reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any content from this Website without our express written permission; (k) Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices on this Website; (l) Use this Website to defame, harass, threaten, or intimidate any person or entity; (m) Use this Website in any manner that violates the rights of any third party, including intellectual property rights, privacy rights, or contractual rights; or (n) Use this Website to recruit agents for any agency other than Provenant Life, to solicit Provenant Life agents on behalf of any competing organization, or to misappropriate any proprietary information, scripts, training materials, or business processes of Provenant Life. 3.03 Monitoring. Provenant Life reserves the right, but is not obligated, to monitor your use of this Website and to investigate any suspected violation of these Terms. We reserve the right to take any action we deem appropriate in response to any actual or suspected violation, including blocking access to the Website.
ARTICLE IV — INDEPENDENT CONTRACTOR RELATIONSHIP. 4.01 Nature of Relationship. All agents who participate with Provenant Life do so as independent contractors, not as employees, partners, joint venturers, or agents of Provenant Life for any purpose other than as expressly set forth in the applicable agency agreement. Nothing in these Terms of Use, in any communication from Provenant Life, or on this Website creates or is intended to create an employer-employee relationship, a partnership, a joint venture, or any other business relationship between you and Provenant Life. 4.02 Independent Contractor Obligations. As an independent contractor, you are solely responsible for: (a) Obtaining, maintaining, and renewing all required insurance licenses in all states in which you conduct insurance activities, including payment of all associated fees; (b) Maintaining active Errors and Omissions (E&O) insurance coverage at levels required by your agency agreement and applicable carrier requirements; (c) Paying all applicable federal, state, and local taxes on income earned through your agency activities, including self-employment taxes; (d) Complying with all applicable state and federal insurance laws and regulations, including laws governing marketing, advertising, disclosure, suitability, and consumer protection; (e) Maintaining the confidentiality of client information in accordance with applicable privacy laws and insurance regulations; (f) Managing your own business expenses, including the costs of leads under the leads-at-cost program; and (g) Complying with all carrier requirements, guidelines, and contractual obligations applicable to your appointments. 4.03 No Exclusivity. Unless otherwise specified in a written agency agreement signed by both parties, your participation with Provenant Life does not preclude you from maintaining other insurance licenses or agency relationships, provided such relationships do not involve the use of Provenant Life or Provenant Life proprietary materials, client information, or carrier relationships in an unauthorized manner. 4.04 Book of Business Ownership. Subject to applicable carrier contracts, state regulations, and your agency agreement, agents retain ownership of the book of business they develop through properly contracted carriers. Provenant Life does not assert ownership over policies written by agents through their independently contracted carrier appointments, subject to any limitations or conditions set forth in the applicable agency agreement. Nothing in these Terms modifies or supersedes any provision of a signed agency agreement.
ARTICLE V — LEAD PROGRAMS. 5.01 General Description. Provenant Life offers two lead programs to contracted agents: (a) a paid lead program available to agents working the estate planning market, under which Provenant Life covers the cost of leads upfront as described in program materials; and (b) a leads-at-cost program available to agents working other markets, under which agents pay the actual cost of leads without markup. 5.02 Program Terms Subject to Change. The specific terms of the Lead Programs, including lead costs, geographic availability, lead types, exclusivity, sharing arrangements, and quality standards, are described in separate program materials provided during the onboarding process and are subject to change at any time without prior notice. Information about Lead Programs on this Website is for general informational purposes only and does not constitute a binding commitment regarding specific lead terms, availability, or quality. 5.03 No Guarantee of Lead Quality or Conversion. Provenant Life make no representations or warranties regarding the quality, accuracy, exclusivity, or convertibility of any leads provided through the Lead Programs. Actual conversion rates depend on numerous factors outside our control, including market conditions, consumer interest, your sales skills, carrier product availability, and underwriting outcomes. Past conversion rates achieved by other agents do not predict your results. 5.04 Lead Costs and Payment. All lead costs under the leads-at-cost program are the sole responsibility of the agent. Failure to pay for ordered leads in a timely manner may result in suspension of Lead Program access and other remedies available under the agency agreement. 5.05 Disputes Regarding Leads. Any disputes regarding lead quality, billing, or program terms must be raised in writing within the timeframe specified in the applicable Lead Program materials. Failure to raise a dispute within the applicable timeframe shall constitute acceptance of the lead and any associated charges.
ARTICLE VI — TRAINING AND ONBOARDING PROGRAM. 6.01 Description of Training Program. Provenant Life offers a structured onboarding training program designed to prepare newly contracted agents for active production. The training program includes carrier training, product knowledge, call and script training, application submission procedures, and ongoing weekly training sessions with active producers. 6.02 No Guarantee of Training Outcomes. Participation in the training program does not guarantee that you will become a successful producing agent or that you will achieve any particular production level or income. The effectiveness of training depends on numerous factors, including your prior experience, aptitude, effort, and commitment. 6.03 Intellectual Property of Training Materials. All training materials, scripts, call guides, product presentations, CRM configurations, and other materials provided to agents through the Provenant Life onboarding program and our platform are the proprietary intellectual property of Provenant Life. These materials are licensed to you solely for use in connection with your authorized insurance activities as a contracted agent. You may not share, reproduce, distribute, sell, or transfer these materials to any person or entity without express written permission from Provenant Life. Upon termination of your agency relationship, you must promptly cease all use of and, upon request, return or destroy all proprietary materials. 6.04 Platform Access. Access to the our CRM, training platform, and other technology tools is subject to the terms and conditions of applicable carrier platforms. Provenant Life makes no representations regarding the availability, functionality, or security of third-party platforms. Access may be suspended or revoked at any time in accordance with the applicable platform terms or your agency agreement.
ARTICLE VII — EARNINGS REPRESENTATIONS AND INCOME DISCLOSURES. 7.01 Nature of Earnings Information. This Website may include references to income potential, production ranges, and examples of earnings achieved by agents in the Provenant Life network. All such information is provided for illustrative purposes only and does not constitute a guarantee of any particular income level or business outcome. 7.02 Individual Results Vary Significantly. Actual earnings as a licensed insurance agent depend on a wide range of factors entirely outside the control of Provenant Life, including without limitation: (a) Your prior sales experience and skills; (b) The number of hours you devote to your insurance activities; (c) Your ability to convert leads into applications and issued policies; (d) The geographic market in which you operate; (e) Market conditions and consumer demand for insurance products; (f) Carrier underwriting standards and approval rates; (g) Policy persistency and chargeback rates; (h) Your ability to maintain active licensure and carrier appointments; (i) Your ability to build and maintain a personal client base; (j) Economic conditions generally; and (k) Your personal financial management and business operations. 7.03 No Guarantee of Income. There is no guarantee of income as an insurance agent. The life insurance industry involves real business risk, including the possibility of earning little or no income. Provenant Life make no representations that any agent will achieve any particular level of production or income. Past results of other agents do not predict your future results. You should conduct your own due diligence and consult independent financial and business advisors before making a decision to enter the insurance industry or join any agency. 7.04 FTC and State Disclosure Compliance. Provenant Life is committed to compliance with Federal Trade Commission guidelines regarding income and earnings representations and with applicable state insurance department regulations regarding agent recruiting disclosures. Nothing in these Terms limits your right to receive accurate income disclosure information upon request.
ARTICLE VIII — INTELLECTUAL PROPERTY. 8.01 Ownership. All content on this Website, including without limitation text, graphics, logos, images, photographs, audio clips, video clips, data compilations, and software, is the property of Provenant Life, or their respective content providers and is protected by applicable United States and international copyright, trademark, trade secret, and other intellectual property laws. 8.02 Limited License. Provenant Life grants you a limited, non-exclusive, non-transferable license to access and view the content on this Website for your personal, non-commercial use in connection with evaluating the Provenant Life agent opportunity. No other license is granted, expressed or implied. 8.03 Restrictions. You may not: (a) Copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any Website content for any other purpose without the prior written permission of Provenant Life; (b) Modify or create derivative works based on the Website or any content thereon; (c) Use any Provenant Life trademark, service mark, trade name, or logo without express written permission; or (d) Frame or embed this Website or any portion thereof within any other website or application. 8.04 Agent-Generated Content. If you submit any content to Provenant Life, including through application forms, emails, or other communications, you grant Provenant Life a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, adapt, publish, and display such content in connection with our business operations. You represent and warrant that you have all rights necessary to grant this license and that your submission does not infringe any third-party rights.
ARTICLE IX — DISCLAIMERS OF WARRANTIES. 9.01 General Disclaimer. THIS WEBSITE AND ALL CONTENT, INFORMATION, MATERIALS, AND SERVICES AVAILABLE THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PROVENANT LIFE AND ITS AFFILIATES, PRINCIPALS, AGENTS, OFFICERS, DIRECTORS, AND EMPLOYEES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. 9.02 No Warranty of Results. PROVENANT LIFE DOES NOT WARRANT THAT THIS WEBSITE WILL BE AVAILABLE AT ALL TIMES, THAT ACCESS WILL BE UNINTERRUPTED, THAT THE WEBSITE WILL BE FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, OR THAT ANY PARTICULAR RESULT OR OUTCOME WILL BE ACHIEVED THROUGH YOUR PARTICIPATION AS AN AGENT. 9.03 No Warranty of Regulatory Compliance. PROVENANT LIFE DOES NOT WARRANT THAT YOUR PARTICIPATION AS AN AGENT WILL COMPLY WITH ALL APPLICABLE LAWS AND REGULATIONS IN YOUR JURISDICTION. YOU ARE SOLELY RESPONSIBLE FOR ENSURING YOUR OWN LEGAL AND REGULATORY COMPLIANCE. 9.04 Third-Party Content. PROVENANT LIFE DOES NOT ENDORSE, WARRANT, OR ASSUME ANY RESPONSIBILITY FOR ANY THIRD-PARTY WEBSITE, PLATFORM, PRODUCT, OR SERVICE LINKED TO OR REFERENCED ON THIS WEBSITE.
ARTICLE X — LIMITATION OF LIABILITY. 10.01 Exclusion of Consequential Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PROVENANT LIFE OR ANY OF ITS AFFILIATES, PRINCIPALS, AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, OR CONTRACTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SIMILAR DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST REVENUE, LOSS OF BUSINESS OPPORTUNITY, LOSS OF GOODWILL, DATA LOSS, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THIS WEBSITE, YOUR APPLICATION TO OR PARTICIPATION AS AN AGENT, OR THE LEAD PROGRAMS, TRAINING, OR OTHER SERVICES DESCRIBED ON THIS WEBSITE, EVEN IF PROVENANT LIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 10.02 Cap on Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF PROVENANT LIFE AND ITS AFFILIATES FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR YOUR USE OF THIS WEBSITE SHALL BE ZERO DOLLARS ($0.00). IN JURISDICTIONS WHERE COMPLETE EXCLUSION OF MONETARY LIABILITY IS NOT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF PROVENANT LIFE AND ITS AFFILIATES SHALL BE LIMITED TO THE MINIMUM AMOUNT REQUIRED BY APPLICABLE LAW IN THAT JURISDICTION. 10.03 Essential Basis. THE LIMITATIONS OF LIABILITY IN THIS ARTICLE X REFLECT A REASONABLE ALLOCATION OF RISK AND ARE A FUNDAMENTAL BASIS OF THE AGREEMENT BETWEEN YOU AND PROVENANT LIFE. PROVENANT LIFE WOULD NOT BE ABLE TO PROVIDE THIS WEBSITE OR THE INFORMATION AND SERVICES DESCRIBED HEREON ON AN ECONOMICALLY VIABLE BASIS WITHOUT SUCH LIMITATIONS.
ARTICLE XI — INDEMNIFICATION. 11.01 Your Indemnification Obligations. You agree to defend, indemnify, and hold harmless Provenant Life, and their respective affiliates, principals, managing agents, officers, directors, employees, contractors, and successors from and against any and all claims, actions, suits, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (a) Your use of or access to this Website; (b) Your violation of these Terms of Use; (c) Your violation of any applicable law, regulation, or third-party right, including insurance regulations, consumer protection laws, privacy laws, and intellectual property rights; (d) Any false, inaccurate, or misleading information submitted by you through any application, form, or communication; (e) Your activities as an agent, including any claim by a client or prospective client arising from your conduct; (f) Your failure to maintain required licensure, E&O coverage, or carrier appointments; or (g) Any dispute between you and any third party related to your activities as an agent. 11.02 Cooperation. Provenant Life reserves the right to assume exclusive control and direction of the defense of any matter subject to indemnification by you. You agree to cooperate fully with Provenant Life in such defense and to not settle any such claim without the prior written consent of Provenant Life.
ARTICLE XII — GOVERNING LAW, DISPUTE RESOLUTION, AND ARBITRATION. 12.01 Governing Law. These Terms of Use and any dispute arising hereunder shall be governed by and construed in accordance with the laws of the state in which Provenant Life is principally operated, without regard to its conflict of law provisions, except to the extent that federal law applies. 12.02 Informal Resolution. Before initiating any formal dispute resolution process, you agree to contact Provenant Life in writing through the Website contact form and to engage in good-faith efforts to resolve the dispute informally for a period of not less than sixty (60) calendar days from the date of your written notice. 12.03 Binding Arbitration. Subject to Section 12.04, any dispute, claim, or controversy arising out of or relating to these Terms of Use, your use of this Website, or your participation as an agent that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules then in effect. The arbitration shall take place in the state in which Provenant Life is principally operated, unless the parties mutually agree to a different location or to conduct the arbitration by video conference. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. 12.04 Class Action Waiver. YOU AND PROVENANT LIFE EACH WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION PROCEEDING IN CONNECTION WITH ANY DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS OF USE. ALL DISPUTES MUST BE BROUGHT IN THE RESPECTIVE PARTY'S INDIVIDUAL CAPACITY AND NOT AS A CLASS MEMBER OR PLAINTIFF IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. 12.05 Exceptions to Arbitration. Notwithstanding Section 12.03, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent actual or threatened misappropriation of intellectual property, breach of confidentiality obligations, or other irreparable harm. 12.06 Limitation Period. Any claim or cause of action arising out of or related to these Terms of Use or your use of this Website must be filed within one (1) year after the claim or cause of action arose, regardless of any statute of limitations that would otherwise apply. Any claim not filed within this period is permanently barred.
ARTICLE XIII — REGULATORY COMPLIANCE AND INSURANCE LAWS. 13.01 State Insurance Regulation. Your participation as an agent is subject to all applicable state insurance laws and regulations, including but not limited to laws governing licensing, appointments, advertising, marketing, suitability, disclosures, anti-replacement rules, rebating prohibitions, and market conduct standards. Provenant Life provides general compliance guidance through training and program materials, but you are solely responsible for understanding and complying with the specific regulatory requirements applicable to your license, your market, and your activities. 13.02 TCPA Compliance. To the extent that your activities as an agent involve telephone marketing, text messaging, or other electronic communications with consumers, you are solely responsible for complying with the Telephone Consumer Protection Act ("TCPA"), 47 U.S.C. § 227, and all implementing regulations, including requirements regarding prior express written consent, National Do Not Call Registry compliance, and restrictions on automated dialing equipment and pre-recorded messages. Provenant Life provides leads and contact information for insurance marketing purposes but makes no representations regarding the TCPA compliance status of specific leads. You must conduct your own TCPA due diligence before contacting any lead. 13.03 Anti-Money Laundering. To the extent applicable, agents are responsible for complying with all applicable anti-money laundering laws and regulations and must complete required AML training as prescribed by their Carrier Partners. 13.04 FINRA and Securities Regulations. If you hold any FINRA registrations or securities licenses, you are solely responsible for maintaining compliance with all applicable FINRA rules and SEC regulations. Provenant Life does not supervise or take responsibility for securities activities.
ARTICLE XIV — TERMINATION AND SUSPENSION. 14.01 Termination by Provenant Life. Provenant Life reserves the right to terminate or suspend your access to this Website, your application process, or your agency relationship at any time and for any reason or no reason, with or without notice and with or without cause, including without limitation if Provenant Life determines in its sole discretion that you have violated these Terms of Use, your agency agreement, applicable law, or any carrier requirement. 14.02 Termination by You. You may terminate your agency relationship with Provenant Life at any time upon written notice to Provenant Life, subject to the terms and conditions of your agency agreement. Termination of your agency relationship does not release you from any obligations that accrued prior to termination or that survive termination by their nature, including obligations regarding intellectual property, confidentiality, non-solicitation, and indemnification. 14.03 Effect of Termination. Upon termination of your agency relationship for any reason: (a) All licenses granted to you under these Terms and your agency agreement terminate immediately; (b) You must promptly cease all use of Provenant Life proprietary materials and return or destroy all such materials upon request; (c) Access to our platform and all associated tools will be revoked; and (d) Any outstanding commission obligations shall be addressed in accordance with your agency agreement and applicable carrier contracts. 14.04 Survival. The following provisions shall survive the termination or expiration of these Terms of Use for any reason: Articles I, VIII, IX, X, XI, XII, and XIV, and any other provisions that by their nature should survive.
ARTICLE XV — MISCELLANEOUS PROVISIONS. 15.01 Severability. If any provision of these Terms of Use is found to be unlawful, void, or unenforceable for any reason, that provision will be deemed severable from these Terms and will not affect the validity and enforceability of any remaining provisions. 15.02 Waiver. No failure or delay by Provenant Life in exercising any right or remedy under these Terms shall constitute a waiver of such right or remedy. No single or partial exercise of any right or remedy shall preclude any other or further exercise thereof or the exercise of any other right or remedy. 15.03 Assignment. You may not assign or transfer any of your rights or obligations under these Terms without the prior written consent of Provenant Life. Provenant Life may assign these Terms and any rights or obligations hereunder without restriction. 15.04 Notices. All notices from you to Provenant Life must be submitted through the Website contact form. Notices from Provenant Life to you may be provided by email to the address on file, by posting to this Website, or by other means permitted under applicable law. 15.05 Force Majeure. Provenant Life shall not be liable for any failure or delay in performance arising from causes beyond its reasonable control, including acts of God, natural disasters, government actions, telecommunications failures, or other events beyond our reasonable control. 15.06 No Third-Party Beneficiaries. These Terms of Use are for the sole benefit of Provenant Life and you. Nothing in these Terms, express or implied, is intended to or shall confer upon any other person or entity any legal or equitable right, benefit, or remedy of any nature whatsoever. 15.07 Headings. Section headings are for convenience only and shall not affect the interpretation of these Terms. 15.08 Contact. For questions regarding these Terms of Use, please submit an inquiry through the Website contact form. Provenant Life — Effective: January 1, 2026 — Version 1.0 — This document supersedes all prior versions.
ARTICLE XVI — PROVENANT LIFE AGENT COMMUNICATIONS SMS PROGRAM. 16.01 Program Name and Description. This is the "Provenant Life Agent Communications Program." By providing your phone number and checking the applicable consent box on this Website, you may receive SMS text messages from Provenant Life related to (a) marketing communications, including special offers, discounts, and service updates regarding the agent opportunity, and/or (b) non-marketing communications, including agent recruiting and onboarding updates, scheduling, and status notifications, depending on which consent option you select. 16.02 Opt-Out Instructions. You can cancel SMS messages from Provenant Life at any time. Simply text "STOP" to the number sending you messages. Upon sending "STOP," we will confirm your unsubscribe status via a final SMS message. Following this confirmation, you will no longer receive SMS messages from us. 16.03 Rejoining Instructions. If you opt out and later wish to rejoin, you may sign up again in the same manner as your original opt-in, and we will resume sending SMS messages to you. 16.04 Help Instructions. If you experience issues with the messaging program or need assistance, reply with the keyword "HELP" for more information, or submit an inquiry through the Website contact form. 16.05 Carrier Liability Disclaimer. Carriers, including wireless and mobile carriers, are not liable for delayed or undelivered messages. 16.06 Message and Data Rates. Message and data rates may apply to messages sent to you from us and to us from you. Message frequency varies based on your interactions and the applicable communications you have consented to receive. For questions about your text or data plan, contact your wireless provider. 16.07 Privacy Policy Reference. For information about how we collect, use, and protect your information, including SMS opt-in data, please refer to our Privacy Policy. 16.08 Compliance with Industry Standards. This SMS Program is administered in accordance with CTIA Messaging Principles and Best Practices and the guidelines of the applicable mobile carriers and messaging aggregators. 16.09 Legal Compliance Note. We comply with all applicable laws and regulations governing SMS communications, including the Telephone Consumer Protection Act ("TCPA"), 47 U.S.C. § 227, and its implementing regulations. Opt-in consent is collected via web forms with a dedicated checkbox for SMS consent, and is not a condition of any purchase or the ability to apply as an agent. This SMS Program is compatible with all major U.S. wireless carriers; carrier coverage is not guaranteed for every device or plan. You must be eighteen (18) years of age or older to participate in this SMS Program.
Provenant Life · Partner Agency of Effective: January 1, 2026 · Version 1.0 · This document supersedes all prior versions · Submit all inquiries through the Website contact form.