Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using the Site in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and any other policies referenced herein. If you are accessing the Site on behalf of an agency, organization, or other entity, you represent that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and that entity.

2. Who This Site Is For

The Site is intended for licensed insurance agents, agencies, and other business professionals interested in our services as a Field Marketing Organization ("FMO"). The Site is not directed to, or intended for, consumers seeking to enroll in Medicare or any other insurance product. If you are a consumer looking for insurance coverage, please contact a licensed agent directly. Nothing on the Site constitutes solicitation of any insurance product to a consumer.

3. Eligibility

To use the Site, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Site under applicable law
• Provide accurate, current, and complete information when you contact us or submit forms

If any of the above is not true, you may not use the Site.

4. Description of Services

Brock Partners is a Field Marketing Organization that supports licensed insurance agents and agencies with carrier appointments, training, technology, marketing, events, and other operational resources. Through the Site, we provide:

• Informational content about our organization, services, and offerings
• Contact and inquiry forms for prospective and current agents
• Event registration and related information
• Links to authenticated agent tools and platforms (e.g., GoGuruX, agent hub)
• Other features we may add, modify, or remove at our sole discretion

We do not guarantee that any specific service, content, or feature will be available at any given time, and we reserve the right to modify or discontinue any aspect of the Site without notice.

5. No Insurance, Legal, Tax, or Financial Advice

Content on the Site is provided for general informational and educational purposes only. It is not:

• A solicitation, offer, or recommendation to purchase or enroll in any insurance product
• Legal, tax, accounting, regulatory, or financial advice
• Compliance guidance specific to your circumstances
• A substitute for the advice of a licensed professional

Insurance products described or referenced on the Site are issued by independent insurance carriers and are subject to those carriers' terms, conditions, eligibility requirements, and regulatory approvals. You are solely responsible for your own compliance with all applicable federal, state, and local laws and regulations, including CMS marketing rules, TCPA, HIPAA, and state insurance department requirements.

6. Agent Contracting & Carrier Appointments

Submitting a contact form, attending an event, or otherwise interacting with the Site does not create a contracting relationship, carrier appointment, or agency agreement between you and Brock Partners. All such relationships are established only through separate written agreements executed outside the Site, after appropriate licensing verification, background checks, and carrier-specific onboarding processes.

Nothing on the Site constitutes a binding offer to appoint any agent or agency, and we reserve the sole right to accept or decline any prospective agent for any lawful reason.

7. Intellectual Property

7.1 Our Content

All content, features, and functionality on the Site — including text, graphics, logos, icons, images, audio, video, software, and the selection and arrangement of the foregoing (collectively, the "Content") — are owned by Guru Insurance Marketing, our licensors, or other content providers, and are protected by U.S. and international copyright, trademark, trade dress, patent, and other intellectual property laws.

7.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Site for your personal, internal business purposes related to evaluating or maintaining a relationship with Brock Partners. This license does not include any right to:

• Resell or commercially use any Content
• Copy, reproduce, distribute, publicly display, or create derivative works of any Content, except as expressly permitted
• Use any data mining, robots, scraping, or similar collection and extraction tools
• Frame, mirror, or otherwise replicate any portion of the Site
• Remove or alter any proprietary notices

7.3 Trademarks

"Brock Partners," the Brock Partners logo, "GoGuruX," and other names, logos, and product or service designations used on the Site are trademarks or service marks of Guru Insurance Marketing or our affiliates. Other product and company names mentioned on the Site may be the trademarks of their respective owners. Use of any of our trademarks without our prior written permission is prohibited.

8. User Conduct & Prohibited Uses

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

• Use the Site for any unlawful purpose or in violation of any applicable law, regulation, or industry rule (including CMS marketing rules, TCPA, HIPAA, and state insurance regulations)
• Use the Site to impersonate any person or entity, or to misrepresent your affiliation with any person or entity
• Submit false, misleading, or fraudulent information through any form on the Site
• Interfere with, disrupt, or attempt to gain unauthorized access to the Site, our servers, or any related systems or networks
• Probe, scan, or test the vulnerability of the Site or circumvent any security or authentication measures
• Use the Site to transmit viruses, worms, malicious code, or any other harmful software
• Use any automated means — including bots, scrapers, or crawlers — to access the Site, except for public search engine indexing in accordance with our robots.txt file
• Harvest, collect, or store information about other users without their consent
• Use the Site in any manner that could disable, overburden, damage, or impair its operation
• Use the Site to harass, threaten, or harm any person

We reserve the right to investigate suspected violations and to cooperate with law enforcement authorities in prosecuting users who violate these Terms.

9. User Submissions

If you submit any information, content, materials, ideas, feedback, or suggestions to us through the Site (collectively, "Submissions"), you grant Brock Partners a non-exclusive, royalty-free, perpetual, irrevocable, worldwide, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Submissions in any media for the operation, improvement, and promotion of our business, except where prohibited by our Privacy Policy or applicable law.

You represent and warrant that you own or have all necessary rights to your Submissions, that they are accurate, and that they do not violate any third-party rights or applicable law.

10. Third-Party Links & Carriers

The Site may contain links to third-party websites, services, content, applications, or resources, including insurance carriers, training providers, technology partners, and other corporate affiliates ("Third-Party Services"). These links are provided for your convenience only. We do not endorse, control, or assume responsibility for any Third-Party Services, and we are not responsible or liable for:

• The content, privacy practices, or accuracy of any Third-Party Services
• Any products or services offered by third parties
• Any loss or damage of any kind incurred as a result of your use of any Third-Party Services

Your dealings with any third party, including insurance carriers, are solely between you and that third party and are governed by that third party's terms and policies.

11. Disclaimer of Warranties

THE SITE, INCLUDING ALL CONTENT, FEATURES, AND SERVICES PROVIDED THROUGH IT, IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, GURU INSURANCE MARKETING AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, THE "BROCK PARTIES") DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, the Brock Parties make no warranty that:

• The Site will meet your requirements or be available on an uninterrupted, secure, or error-free basis
• Any information obtained through the Site will be accurate, complete, reliable, or current
• Any errors or defects in the Site will be corrected
• The Site is free from viruses or other harmful components

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE BROCK PARTIES BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT WILL THE AGGREGATE LIABILITY OF THE BROCK PARTIES, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER THEORY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE EXCEED ONE HUNDRED U.S. DOLLARS ($100.00) OR THE TOTAL AMOUNT PAID BY YOU TO BROCK PARTNERS THROUGH THE SITE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, WHICHEVER IS GREATER.

The limitations in this Section apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if a Brock Party has been advised of the possibility of such damage. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

13. Indemnification

You agree to defend, indemnify, and hold harmless the Brock Parties from and against any and all claims, damages, obligations, losses, liabilities, costs, debt, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of, or access to, the Site
• Your violation of these Terms
• Your violation of any third-party right, including any intellectual property, privacy, or publicity right
• Your violation of any applicable law, rule, or regulation
• Any content or information submitted by you

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense.

14. Termination & Suspension

We may suspend, restrict, or terminate your access to the Site, in whole or in part, at any time, with or without notice, for any reason, including if we believe in our sole discretion that you have violated these Terms or applicable law. We may also discontinue the Site or any feature of the Site at any time.

Upon termination, your right to use the Site will immediately cease. All provisions of these Terms that by their nature should survive termination — including ownership provisions, warranty disclaimers, indemnity, and limitations of liability — will survive.

15. Governing Law & Dispute Resolution

15.1 Governing Law

These Terms, and any dispute arising out of or relating to them or your use of the Site, will be governed by and construed in accordance with the laws of the State of Mississippi, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

15.2 Informal Resolution

Before filing any formal proceeding, you agree to first contact us at legal@brockpartners.com with a written description of the dispute, the relief you are seeking, and your contact information. We will attempt to resolve the dispute informally. If we are unable to resolve the dispute within sixty (60) days of receiving your notice, either party may proceed under Section 15.3.

15.3 Binding Individual Arbitration

READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND BROCK PARTNERS TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND WAIVES YOUR RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

You and Brock Partners agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or our services that is not resolved under Section 15.2 will be resolved exclusively through final and binding individual arbitration, except as set forth in Section 15.6.

The arbitration will be administered by the American Arbitration Association ("AAA") in accordance with the AAA Commercial Arbitration Rules and, where applicable, the Consumer Arbitration Rules. The rules are available at www.adr.org. The Federal Arbitration Act ("FAA") governs the interpretation and enforcement of this Section.

The arbitration will be conducted by a single arbitrator. The seat of arbitration will be Lee County, Mississippi, although the arbitration may be conducted by telephone, video, or written submissions where permitted by the AAA rules. Judgment on the award may be entered in any court of competent jurisdiction.

15.4 Class Action Waiver

YOU AND BROCK PARTNERS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this class action waiver is found to be unenforceable as to any particular claim or remedy, then that claim or remedy (and only that claim or remedy) will be severed from the arbitration and may be brought in court, while all other claims and remedies remain subject to arbitration.

15.5 30-Day Opt-Out

You may opt out of the arbitration agreement and class action waiver in Sections 15.3 and 15.4 by sending written notice of your decision to opt out to legal@brockpartners.com within thirty (30) days of first agreeing to these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out. If you opt out of these provisions, all other parts of these Terms will continue to apply.

15.6 Exceptions

Notwithstanding the foregoing, either party may bring an action in small claims court for claims within the scope of that court's jurisdiction, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction located in Lee County, Mississippi to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or breach of confidentiality obligations.

15.7 Forum for Excluded Claims

For any claim that is not subject to arbitration, you and Brock Partners agree to submit to the exclusive jurisdiction of the state and federal courts located in Lee County, Mississippi, and you waive any objection to such jurisdiction and venue.

16. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top. Material changes will be communicated through a prominent notice on the Site. Your continued use of the Site after the effective date of any update constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Site.

17. Miscellaneous

Entire Agreement

These Terms, together with the Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Brock Partners regarding the Site and supersede all prior or contemporaneous understandings.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms or any rights hereunder without our prior written consent. We may assign these Terms at any time without notice.

No Agency

Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchise relationship between you and Brock Partners.

Electronic Communications

By using the Site, you consent to receiving electronic communications from us. These communications may include notices about your use of the Site, agreements, and other information.

Force Majeure

We will not be liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network or service provider failures, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

Headings

Section headings in these Terms are for convenience only and do not affect interpretation.

18. Contact Us

If you have questions about these Terms, contact us at: