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Terms of Service

Last updated: September 14, 2026

1. Acceptance of These Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Flobase LLC ("Flobase," "we," "us," or "our"), concerning your access to and use of flobase.tech and all related websites, software, portals, call-routing services, telephony tools, lead-distribution services, artificial-intelligence and rules-based features, training tools, payment features, support services, and related products and services collectively referred to as the "Platform."

Please read these Terms carefully. They contain an agreement to resolve most disputes through binding individual arbitration, a class-action waiver, limitations of liability, disclaimers of warranties, and provisions governing call recording, transcription, and artificial-intelligence analysis.

By creating an account, clicking an acceptance checkbox, signing in, purchasing credits, depositing funds, receiving or handling calls, using the Platform, accessing a recording or transcript, using an AI-assisted or rules-based feature, or otherwise accessing any portion of the Platform, you acknowledge that you have read, understood, and agreed to these Terms and our Privacy Policy.

If you use the Platform on behalf of an agency, corporation, limited liability company, partnership, employer, or other organization, you represent and warrant that you are authorized to bind that organization. In that case, "you" and "your" include both you and that organization.

You may not use the Platform if you do not agree to these Terms.

We may require you to reaccept these Terms after a material update, before a purchase, before receiving calls, or before accessing a new Platform feature. Your electronic acceptance, together with associated account, timestamp, IP-address, device, browser, and activity records, may be retained as evidence of your agreement.

2. Eligibility and Business Use

You must be at least 18 years old and legally capable of entering into a binding agreement.

The Platform is intended for legitimate business use by licensed insurance professionals, agencies, publishers, service providers, and other approved business users. It is not intended for personal, family, or household use.

You must maintain all licenses, appointments, certifications, registrations, permissions, training, continuing-education requirements, carrier approvals, and other authorizations required for each product, campaign, jurisdiction, and consumer interaction you handle.

Access to the Platform does not establish that you are properly licensed, appointed, certified, or otherwise authorized. Verification performed by Flobase is an administrative risk-control measure and is not a legal determination or guarantee of eligibility.

3. Accounts and Account Security

You must provide complete, current, and accurate information, including your legal name, agency information, contact information, licensing information, payment information, and any information reasonably requested for verification or compliance purposes.

You are responsible for:

  • maintaining the confidentiality of your login credentials;
  • all activity performed through your account;
  • promptly removing access for former employees, contractors, or agents;
  • ensuring that all users operating under your account comply with these Terms;
  • maintaining accurate licensing, appointment, and contact information; and
  • promptly notifying Flobase of unauthorized access or suspected security incidents.

You may not share individual credentials, impersonate another person, create an account using false information, circumvent access controls, or allow an unauthorized individual to handle calls through your account.

Agency owners and administrators are responsible for the actions of their invited agents, employees, contractors, and subaccounts to the extent permitted by law, consistent with the hierarchy and permissions assigned to their account.

4. Description of the Platform

Flobase provides technology and operational services that may include:

  • inbound call routing and live-transfer distribution, including round-robin and overflow routing;
  • browser-based or integrated telephony;
  • agent, manager, and administrator portals;
  • campaign, state, and hierarchy selection and scoping;
  • account credits and agency wallet functionality;
  • call logs, recordings, transcripts, and billing and commission records;
  • lead purchasing and distribution through the lead marketplace, including Real-Time orders and aged-lead inventory;
  • replacement-request handling;
  • training, coaching, and production-dashboard tools;
  • call-quality and compliance monitoring, including Listen, Whisper, and Barge functionality, and QA workflows;
  • carrier links and rules-based underwriting-eligibility tools such as UW Genie;
  • artificial-intelligence-assisted analysis;
  • script-adherence scoring;
  • call summaries and classifications;
  • fraud and abuse detection;
  • SMS or communications tools;
  • support and dispute-review tools; and
  • reporting, analytics, and performance information.

Features may be added, modified, suspended, restricted, or discontinued at any time. Availability may vary based on campaign, account, licensing, geographic area, payment status, telephony provider, publisher supply, carrier rules, compliance status, and technical limitations.

Flobase is a technology, call-distribution, and lead-marketplace platform. Unless expressly stated in a separate signed agreement, Flobase is not an insurance carrier, insurance agency, broker of record, plan sponsor, fiduciary, legal adviser, compliance consultant, healthcare provider, or guarantor of any insurance transaction.

5. No Guarantee of Calls, Leads, or Results

Flobase does not guarantee:

  • any minimum number or frequency of calls or leads;
  • that a call will be answered or remain connected;
  • that a caller will be eligible, interested, qualified, or ready to purchase;
  • that caller-supplied information will be accurate;
  • any appointment, application, enrollment, approval, placement, sale, commission, persistency, revenue, profit, return on investment, or business result;
  • any particular call duration or geographic distribution;
  • that underwriting or product-eligibility results (including UW Genie output) will match a carrier's final underwriting decision; or
  • continuous or uninterrupted Platform availability.

Call and lead availability may depend on traffic, publisher supply, consumer behavior, campaign demand, routing settings, state availability, licensing, compliance status, technical conditions, and other factors outside Flobase's control.

You are solely responsible for evaluating each consumer interaction and determining whether a product, recommendation, application, enrollment, or transaction is lawful and appropriate.

6. Campaign Rules and Billing Criteria

Each inbound campaign or lead campaign may have separate eligibility requirements, pricing, buffer periods, billable-event definitions, states, operating hours, scripts, disclosures, qualification standards, and dispute rules.

Campaign information displayed within the Platform or provided through an approved written communication is incorporated into these Terms. If campaign-specific terms conflict with these general Terms, the more specific campaign terms control for that campaign.

You are responsible for reviewing the current campaign terms before activating yourself, receiving calls, or purchasing related services.

Flobase may modify campaign pricing and operational requirements prospectively. Pricing changes do not retroactively alter charges already incurred unless correcting an error.

7. Credits, Wallet Deposits, and Payments

You may purchase Platform credits or deposit funds into an agency wallet. Credits may be used for billable calls, lead purchases, training, subscriptions, agency transfers, and other eligible services.

Pricing, processing fees, minimum purchases, funding requirements, billing thresholds, and available payment methods may change. Applicable amounts will be displayed or disclosed before purchase or use.

Payments may be processed by a third-party payment processor. You authorize Flobase and its payment providers to charge the payment method submitted for:

  • the selected purchase or deposit;
  • disclosed processing fees;
  • applicable taxes;
  • authorized recurring charges; and
  • other charges you expressly authorize.

Credits will generally be added after payment authorization and confirmation through the applicable processor or integration.

You are responsible for ensuring your payment information remains accurate and authorized. Flobase may decline a payment, require an alternative method, impose funding limits, or request additional verification.

Credits are Platform ledger units and are not bank deposits, stored-value accounts, securities, or cash equivalents. Credits do not accrue interest and cannot be transferred outside the Platform except where Flobase expressly permits an internal agency transfer.

8. Subscriptions and Recurring Charges

When you purchase a recurring subscription or authorize automatic replenishment, you authorize Flobase and its processor to charge the applicable payment method at the disclosed interval until canceled.

You must cancel recurring services before the next billing date to prevent the next charge. Cancellation affects future renewals and does not retroactively refund prior charges or services already made available, except where required by law.

Flobase may suspend subscription access following a failed or reversed payment.

9. Final Sales and No Cash Refunds

Except where required by nonwaivable law or expressly stated in a written campaign-specific policy, purchases of credits, wallet deposits, subscription periods already started, and other self-service Platform purchases are final

after they are posted or made available.

Flobase does not provide a cash, card, ACH, wire, processor, or other monetary refund merely because:

  • credits remain unused;
  • you stop using the Platform;
  • you change campaigns or business plans;
  • call or lead volume is lower than expected;
  • a caller or lead does not purchase;
  • you fail to close a sale;
  • a replacement request is denied under the applicable campaign rules;
  • you are dissatisfied with sales results;
  • your license, appointment, or campaign access changes;
  • your account is restricted for a violation; or
  • you fail to use purchased services.

Nothing in this section waives rights that cannot lawfully be waived, including rights relating to unauthorized transactions or legally recognized billing errors.

10. Call and Lead Charge Disputes; Replacement Requests

Flobase may offer an internal process for disputing an individual call charge, lead charge, or for submitting a replacement request.

Unless a different period is stated in the campaign rules, disputes and replacement requests must be submitted within 7 calendar days after the charge and must include the requested reason and supporting information.

Flobase may review call audio, transcripts, routing events, timestamps, telephony records, campaign criteria, agent activity, AI- and rules-based information, publisher information, and other evidence.

A dispute or replacement request may be denied when it is:

  • submitted after the applicable deadline;
  • unsupported;
  • inconsistent with Platform records;
  • based on a failure to sell rather than billing or lead-quality eligibility;
  • based on subjective dissatisfaction;
  • caused by the agent's equipment, internet, settings, availability, conduct, or failure to follow instructions; or
  • otherwise excluded by the campaign rules.

If Flobase approves a dispute or replacement request, the exclusive ordinary remedy is an internal account credit, ledger correction, replacement lead, or other Platform adjustment. Approval does not create a right to a cash refund.

Flobase's failure to enforce a dispute deadline in one instance does not waive that deadline in another instance.

11. Chargebacks and External Payment Disputes

You agree to contact Flobase and allow a reasonable opportunity to review a billing concern before initiating a chargeback or external payment dispute.

To the fullest extent permitted by law, you agree not to initiate a chargeback or payment reversal for an authorized purchase because of unused credits, call or lead volume, lead quality, sales performance, buyer's remorse, a denied internal dispute or replacement request, or another issue governed by the disclosed Platform policies.

If you initiate a chargeback or payment dispute, Flobase may:

  • suspend call routing and Platform access;
  • restrict credits and wallet transfers;
  • disable purchases;
  • freeze affected ledger activity;
  • terminate the account;
  • recover reasonable processor fees, dispute fees, collection expenses, and amounts owed; and
  • submit relevant records to the processor, issuing bank, card network, arbitrator, court, or other reviewing party.

Relevant records may include the accepted Terms, acceptance timestamps, checkout records, payment records, IP addresses, device information, account activity, licensing records, credit ledger entries, calls, recordings, transcripts, routing records, AI and rules-based reports, support messages, wallet transfers, and usage history.

Nothing in these Terms prohibits a cardholder from asserting a legitimate unauthorized-use claim or exercising another right that cannot lawfully be waived.

12. Agent and Agency Compliance Obligations

You are solely responsible for your conduct and for complying with all laws, regulations, carrier requirements, campaign requirements, and professional obligations applicable to your activities.

You agree to:

  • follow all approved campaign scripts, required disclosures, sales rules, and call procedures;
  • accurately identify yourself, your agency, and the purpose of the call as required;
  • maintain every license, certification, appointment, and authorization required for the relevant state and product;
  • comply with applicable insurance, privacy, consumer-protection, advertising, telemarketing, call-recording, and data-security laws;
  • comply with applicable state insurance replacement, suitability, disclosure, and carrier-specific requirements for the products you sell through the Platform;
  • honor do-not-call, opt-out, revocation, suppression, and contact-preference requests;
  • use consumer information only for the authorized campaign and legitimate transaction;
  • make truthful, complete, and nonmisleading statements;
  • provide all legally required disclosures;
  • avoid coercive, abusive, high-pressure, discriminatory, deceptive, or fraudulent conduct;
  • maintain required records and documentation;
  • cooperate with reasonable audits, investigations, complaints, and corrective actions; and
  • promptly report suspected fraud, unlawful activity, consumer harm, data incidents, or material compliance violations.

You may not:

  • represent that insurance, benefits, coverage, savings, eligibility, approval, or enrollment is guaranteed;
  • make unauthorized "free," "government," "stimulus," "benefit," or similar claims;
  • impersonate a government agency, a carrier, Flobase, or another organization;
  • misstate a caller's identity, consent, eligibility, health information, financial information, or application responses;
  • fabricate or alter a recording, transcript, disposition, application, consent record, or sale record;
  • submit an application without the consumer's informed participation and authorization;
  • sell, resell, disclose, or reuse consumer data except as expressly authorized;
  • contact a consumer outside the permitted purpose, time, or consent;
  • cross-sell or market an unauthorized product;
  • bypass licensing, routing, billing, security, fraud, verification, or compliance controls;
  • encourage another person to violate law, carrier rules, campaign rules, or these Terms; or
  • use the Platform for unlawful, deceptive, abusive, or fraudulent activity.

13. Regulated Insurance Activity

The products discussed and sold through calls and leads processed on the Platform are subject to state insurance law, carrier requirements, and other applicable regulatory and contractual requirements. You are solely responsible for determining and complying with requirements applicable to your role, including requirements concerning:

  • agent licensing and appointment;
  • state-specific disclosures and suitability standards;
  • replacement and free-look rules;
  • application and delivery requirements;
  • consumer complaint handling;
  • recordkeeping; and
  • carrier- or plan-specific procedures.

You may not treat Flobase's routing, AI or rules-based output (including UW Genie results), script, template, training content, or account approval as a representation that your conduct complies with carrier, state, or other

applicable requirements.

If your activity on the Platform includes Medicare Advantage, Medicare Part D, or another CMS-regulated product, you are solely responsible for complying with all applicable CMS, TPMO, and plan-specific requirements, including scope-of-appointment, permission-to-contact, and recording-and-retention rules.

Flobase may impose stricter operational requirements than the minimum legal standard and may suspend access to a campaign or state when it identifies potential risk.

14. Telemarketing and Consumer-Contact Compliance

You are responsible for determining whether each call, text message, follow-up, or other consumer communication is permitted.

You must comply with all applicable requirements relating to:

  • prior express consent and prior express written consent;
  • permission to contact;
  • the National Do Not Call Registry;
  • internal do-not-call lists and DNC scrub requirements;
  • caller identification;
  • calling hours;
  • prerecorded or artificial-voice messages;
  • automatic telephone dialing systems;
  • abandoned calls;
  • opt-out mechanisms;
  • revocation of consent;
  • recordkeeping;
  • lead generation;
  • seller-specific consent; and
  • state telemarketing registration or bonding requirements.

The fact that a consumer placed an inbound call, was warm-transferred to you, completed a form, appeared in a lead record, or was routed through the Platform does not automatically authorize every subsequent communication.

You may not use a recording, lead, phone number, or consumer record for a separate campaign, seller, product, or purpose unless you possess all legally required authority and consent.

15. Call Recording, Monitoring, and Transcription

Calls and communications processed through or associated with the Platform — including live-transfer calls — may be recorded, monitored (including through Listen, Whisper, and Barge functionality), intercepted, transcribed,

stored, replayed, evaluated, and analyzed for:

  • quality assurance;
  • billing and dispute review;
  • training and coaching;
  • script adherence;
  • consumer protection;
  • legal and regulatory compliance;
  • fraud, abuse, and misrepresentation detection;
  • complaint investigation;
  • chargeback response;
  • technical support;
  • security;
  • analytics;
  • product development; and
  • enforcement of these Terms.

By using the Platform, you expressly consent to Flobase recording and processing your participation in Platform communications.

Your consent as a Platform user does not substitute for consent required from a consumer or another call participant. You are responsible for delivering any required announcement or disclosure and obtaining every consent required by the laws applicable to the participants and locations involved.

You may not disable, evade, interfere with, alter, or obscure a Flobase recording disclosure or recording mechanism.

If a participant refuses recording where recording is required for the campaign or Platform, you must follow the applicable campaign procedure, which may require ending or transferring the interaction.

16. Artificial Intelligence, Rules-Based Tools, and Automated Analysis

The Platform may use artificial intelligence, machine learning, natural-language processing, speech recognition, large language models, classifiers, deterministic rules engines, and other automated technologies collectively referred to as "AI Systems."

Certain features, such as our UW Genie underwriting-eligibility tool, are built on deterministic, rules-based logic rather than AI Systems, apply defined underwriting rules to information you enter, and do not calculate or display premiums. These tools are decision-support tools only and do not make final underwriting decisions, which remain with the applicable insurance carrier.

Other AI Systems may process recordings, transcripts, account records, call metadata, scripts, campaign criteria, dispositions, and user activity to generate or assist with:

  • transcripts;
  • call summaries;
  • script-adherence results;
  • compliance flags;
  • risk indicators;
  • sentiment or interaction analysis;
  • classifications;
  • coaching suggestions and analytics;
  • fraud or abuse alerts;
  • quality scores;
  • dispute-review information;
  • search and retrieval;
  • performance analytics; and
  • other Platform functions.

By using the Platform, you authorize Flobase and its contracted service providers to process relevant data through AI Systems for the purposes described in these Terms and the Privacy Policy.

16.1 AI Limitations AI-generated outputs may be incomplete, inaccurate, misleading, delayed, inconsistent, or affected by poor audio, accents, language, interruptions, transcription errors, missing context, model limitations, or technical failures.

AI and rules-based output:

  • is not legal, regulatory, insurance, financial, medical, or professional advice;
  • is not an official finding by a carrier, regulator, court, or government agency;
  • does not guarantee compliance;
  • should not be treated as the sole basis for determining legal obligations; and
  • does not replace your own professional judgment, supervision, training, or compliance program.

You remain responsible for reviewing your conduct and complying with applicable requirements regardless of any AI or rules-based output.

16.2 Compliance Decisions and Enforcement Flobase may use AI output, rules-based controls, human review, consumer complaints, carrier information, recordings, transcripts, and other evidence when investigating conduct or administering the Platform.

Flobase may take interim protective action before completing a human review when it reasonably believes continued activity may create consumer harm or material legal, compliance, financial, security, or reputational risk.

Protective or enforcement actions may include:

  • issuing a warning;
  • requiring training;
  • requiring corrective action;
  • restricting a campaign or state;
  • pausing call routing;
  • placing an account under review;
  • withholding or reversing a Platform adjustment where permitted;
  • escalating information to an agency owner, carrier, plan, publisher, legal adviser, or regulator;
  • suspending access; or
  • terminating an account.

Unless immediate action is reasonably necessary, Flobase may provide a user with an opportunity to submit relevant context or challenge a material AI- or rules-generated compliance finding. Flobase does not guarantee that every score or routine operational decision will receive manual review.

16.3 Changes to AI Systems Flobase may change models, vendors, prompts, scoring standards, detection logic, underwriting rules, thresholds, and methodologies. Scores and eligibility results produced at different times may not be directly comparable.

Flobase does not guarantee that AI Systems or rules-based tools will detect every violation, error, fraud attempt, or consumer issue.

16.4 No Model- or Rules-Reverse-Engineering You may not use Platform inputs or outputs to extract model components, reconstruct prompts or underwriting rule sets, evade detection, benchmark the Platform for a competing service, or defeat compliance controls.

17. Third-Party AI and Service Providers

Flobase may use third-party providers for AI processing, transcription, telephony, hosting, analytics, identity verification, communications, security, payment processing, and support.

Relevant data may be transmitted to and processed by those providers on Flobase's behalf, subject to applicable contractual, privacy, and security arrangements.

Flobase may replace or add providers without individually notifying each user, except where notice is required by law.

Third-party services may experience interruptions, errors, data-location changes, policy changes, or other limitations. Flobase is not responsible for third-party acts or outages beyond the extent required by law.

Your use of an optional third-party integration, including carrier links or InsuranceToolkits, may also be governed by that provider's terms.

18. Consumer and Personal Information

You may access consumer information only for the campaign and purpose for which it was provided.

You must:

  • limit access to authorized personnel;
  • use appropriate security safeguards;
  • avoid downloading or exporting information unnecessarily;
  • prevent unauthorized disclosure;
  • follow applicable retention and deletion requirements;
  • promptly report suspected unauthorized access; and
  • delete or return information when required.

You may not sell, sublicense, scrape, enrich, append, publish, share, or repurpose consumer information except as expressly authorized in writing and permitted by law.

Consumer information may include recordings, transcripts, names, phone numbers, addresses, dates of birth, health-related statements, insurance information, financial information, identifiers, application details, and other personal or sensitive information.

19. Health and Sensitive Information; HIPAA

Insurance conversations may contain health-related or other sensitive information. You must not request, enter, upload, or disclose more sensitive information than is reasonably necessary and legally authorized for the applicable transaction.

The availability of a Platform feature does not mean Flobase is acting as a HIPAA-covered entity or business associate.

Unless Flobase has signed a separate Business Associate Agreement expressly covering a specific service and data flow, you must not use the Platform in a manner that requires Flobase to act as your HIPAA business associate.

You are responsible for determining whether HIPAA, the Gramm-Leach-Bliley Act, state insurance privacy laws, state consumer-health-data laws, or other sector-specific requirements apply to your activity.

20. Privacy Policy and Data Processing

Our collection, use, disclosure, storage, and retention of personal information are further described in the Flobase Privacy Policy, which is incorporated into these Terms.

To operate the Platform, Flobase may process information relating to:

  • account registration;
  • identity and licensing;
  • payments and wallet activity;
  • Platform acceptance;
  • login and device activity;
  • call routing and telephony;
  • recordings and transcripts;
  • AI- and rules-generated results;
  • disputes and replacement requests;
  • communications and support;
  • consumer complaints;
  • fraud and security;
  • training; and
  • Platform usage.

You represent that you have provided all notices and obtained all permissions necessary for information you submit or cause to be processed through the Platform.

21. Data Rights and License

As between you and Flobase, you retain the rights you lawfully possess in information you submit to the Platform.

You grant Flobase a worldwide, nonexclusive, royalty-free license to host, copy, transmit, convert, record, transcribe, analyze, display, use, and otherwise process that information as reasonably necessary to:

  • provide and secure the Platform;
  • route and bill calls and leads;
  • perform compliance and quality review;
  • resolve disputes and replacement requests;
  • provide support;
  • detect fraud and abuse;
  • create reports and analytics;
  • enforce these Terms;
  • comply with law; and
  • improve Platform performance and functionality.

Flobase owns the Platform, its software, models and workflows, scoring methodologies, prompts, taxonomies, underwriting rule sets, interface, routing logic, documentation, and aggregated or de-identified analytics, excluding any underlying personal information to the extent ownership cannot lawfully be claimed.

Flobase will not publicly identify you through aggregated or de-identified information.

Whether third-party AI providers may use submitted data to train their general models is governed by Flobase's selected provider arrangements and disclosed in the Privacy Policy.

22. Retention and Preservation

Flobase may retain recordings, transcripts, AI and rules-based reports, account records, licensing information, payment records, acceptance evidence, call logs, disputes, communications, and security records for as long as reasonably necessary for:

  • Platform operations;
  • applicable campaign or carrier requirements;
  • legal and regulatory compliance;
  • contractual obligations;
  • billing;
  • fraud prevention;
  • consumer complaints;
  • legal claims;
  • audits;
  • dispute, replacement-request, and chargeback response; and
  • enforcement.

Specific retention periods may be described in the Privacy Policy or campaign rules.

Flobase may preserve information beyond an ordinary retention period when subject to a complaint, legal hold, subpoena, investigation, chargeback, audit, or anticipated dispute.

Account termination does not require immediate deletion of records that Flobase is legally or operationally permitted to retain.

23. Security

Flobase may use reasonable administrative, technical, and organizational safeguards designed to protect the Platform and information processed through it. No system is completely secure, and Flobase does not guarantee that unauthorized access, loss, or compromise will never occur.

You are responsible for the security of your equipment, browser, internet connection, credentials, downloaded information, integrations, and personnel.

You must notify Flobase promptly at founders@flobasehq.com upon learning of:

  • unauthorized account access;
  • compromised credentials;
  • unauthorized disclosure of consumer information;
  • suspicious Platform activity;
  • malware or account takeover; or
  • any incident that may affect Platform data or consumers.

You may not conduct penetration testing, vulnerability scanning, denial-of-service testing, or other security testing without prior written authorization.

24. SMS and Other Communications Tools

You may use Platform SMS, email, or other communication tools only for an approved purpose and where legally permitted.

You may not send spam, unauthorized marketing, harassment, deceptive content, prohibited content, or communications unrelated to the approved consumer interaction.

You are responsible for consent, identification, content, timing, opt-out language, suppression, registration, and recordkeeping requirements applicable to your communications.

Flobase may monitor, restrict, or disable communications functionality to prevent abuse or address provider requirements.

25. Acceptable Use

You may not:

  • use the Platform unlawfully;
  • interfere with Platform operation;
  • introduce malware or harmful code;
  • scrape or harvest Platform or consumer data;
  • reverse engineer or copy protected Platform components;
  • resell access without written authorization;
  • overload or disrupt telephony or infrastructure;
  • create fraudulent accounts;
  • manipulate calls, durations, routing, dispositions, recordings, lead assignment, bid results, or billing events;
  • evade compliance monitoring;
  • harass users, consumers, staff, publishers, or partners;
  • infringe intellectual-property or privacy rights; or
  • use the Platform to facilitate fraud, discrimination, exploitation, or consumer harm.

26. Intellectual Property

Flobase and its licensors own all rights in the Platform, including its software, interface, logos, trademarks, documentation, scripts, training materials, reports, routing logic, workflows, AI and rules-engine configurations, and other proprietary content.

Subject to these Terms, Flobase grants you a limited, revocable, nonexclusive, nontransferable, nonsublicensable right to access the Platform for approved internal business purposes while your account remains authorized and in good standing.

No rights are granted by implication.

You may not copy, modify, publish, license, sell, distribute, create derivative works from, or commercially exploit Flobase property without written permission.

27. Feedback

If you submit an idea, suggestion, improvement, or other feedback concerning the Platform, you grant Flobase a perpetual, irrevocable, worldwide, royalty-free right to use it without restriction or compensation.

This provision does not grant Flobase ownership of your confidential consumer data.

28. Audits, Investigations, and Cooperation

Flobase may review account activity and request information reasonably necessary to investigate:

  • consumer complaints;
  • licensing;
  • campaign compliance;
  • fraud;
  • chargebacks;
  • security incidents;
  • suspicious activity;
  • carrier or publisher concerns; or
  • potential violations of these Terms.

You agree to provide truthful and reasonably requested information and to preserve relevant records.

Failure to cooperate, destruction or alteration of evidence, or submission of false information may result in immediate restriction or termination.

Flobase may disclose relevant information where reasonably necessary to investigate or respond to a consumer, carrier, plan, publisher, payment processor, law-enforcement request, subpoena, court order, regulator, legal claim, or security incident, subject to applicable law.

29. Suspension and Termination

Flobase may suspend, restrict, or terminate all or part of your access when it reasonably believes:

  • you violated these Terms or campaign rules;
  • account or licensing information is inaccurate or incomplete;
  • a payment is reversed or creates material risk;
  • your account was compromised;
  • your conduct creates consumer, legal, regulatory, financial, security, operational, or reputational risk;
  • a carrier, plan, publisher, provider, or regulator requires restriction;
  • you failed to cooperate with a review; or
  • continued service is no longer commercially or operationally feasible.

Flobase may act immediately where it reasonably believes delay could cause harm.

Upon termination, your right to access the Platform ends. Provisions that by their nature should survive will survive, including payment obligations, data rights, confidentiality, disclaimers, liability limitations, indemnification, dispute resolution, and record retention.

Suspension or termination does not create a right to a cash refund.

If unused credits remain, Flobase may retain, restrict, apply, or otherwise handle them in accordance with these Terms, applicable law, outstanding balances, chargebacks, fraud reviews, and any written account-resolution decision.

30. User Indemnification

To the fullest extent permitted by law, you will defend, indemnify, and hold harmless Flobase, its affiliates, and their respective owners, officers, directors, employees, contractors, licensors, vendors, publishers, and service providers from and against third-party claims, investigations, proceedings, liabilities, damages, judgments, settlements, penalties, fines, losses, and reasonable attorneys' fees arising out of or relating to:

  • your use or misuse of the Platform;
  • your calls, communications, representations, sales, applications, or enrollments;
  • your violation of these Terms or campaign rules;
  • your violation of law, regulation, carrier rule, plan rule, or licensing requirement;
  • your failure to obtain required consent;
  • your misuse or unauthorized disclosure of consumer information;
  • your infringement of another person's rights;
  • activity performed through your account;
  • your employee's, contractor's, agent's, or subaccount's conduct; or
  • fraud, misrepresentation, negligence, or willful misconduct attributable to you.

Flobase may control the defense of an indemnified matter using counsel of its choice. You may not settle a claim imposing liability, admission, or obligation on Flobase without Flobase's written approval.

This section does not require indemnification to the extent a claim is finally determined to have resulted solely from Flobase's gross negligence or willful misconduct where such exclusion is required by law.

31. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE."

FLOBASE DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, SYSTEM INTEGRATION, AND RESULTS.

FLOBASE DOES NOT WARRANT THAT:

  • THE PLATFORM WILL BE CONTINUOUS, SECURE, OR ERROR-FREE;
  • CALLS WILL CONNECT OR REMAIN CONNECTED;
  • RECORDINGS OR TRANSCRIPTS WILL BE COMPLETE;
  • AI OR RULES-BASED OUTPUT (INCLUDING UW GENIE RESULTS) WILL BE ACCURATE OR MATCH A CARRIER'S FINAL DECISION;
  • COMPLIANCE SYSTEMS WILL IDENTIFY EVERY VIOLATION;
  • CONSUMER OR PUBLISHER INFORMATION WILL BE ACCURATE;
  • DEFECTS WILL BE CORRECTED; OR
  • USE OF THE PLATFORM WILL SATISFY YOUR LEGAL OR REGULATORY OBLIGATIONS.

YOU ASSUME THE RISK OF USING CALLS, LEADS, TRANSCRIPTS, RECORDINGS, AI AND RULES-BASED OUTPUTS, REPORTS, AND OTHER PLATFORM INFORMATION.

32. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FLOBASE AND ITS AFFILIATES, OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS, PUBLISHERS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST COMMISSIONS, LOST SALES, LOST OPPORTUNITY, LOSS OF GOODWILL, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATING TO THE PLATFORM OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE FULLEST EXTENT PERMITTED BY LAW, FLOBASE'S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATING TO THE PLATFORM OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

  • THE AMOUNT YOU PAID DIRECTLY TO FLOBASE DURING THE THREE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
  • $100.

THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

THE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE LIMITED.

33. Release Regarding Third Parties and Consumers

Flobase is not responsible for the conduct, statements, eligibility, identity, or performance of consumers, agents, agencies, carriers, plans, publishers, payment processors, telephony providers, or other third parties.

To the fullest extent permitted by law, you release Flobase from claims arising solely from disputes between you and another Platform participant or third party, except to the extent directly caused by Flobase's breach of an express obligation under these Terms.

34. Governing Law

These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-laws principles.

The Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement below.

35. Informal Dispute Resolution

Before filing arbitration or a permitted court action, the claimant must send a written notice describing:

  • the claimant's name and account;
  • the facts and legal basis of the dispute;
  • the specific relief requested; and
  • relevant supporting documents.

Notices to Flobase must be sent to:

Flobase LLC

300 E Main St

Lexington, KY 40507

Email: founders@flobasehq.com

The parties will attempt in good faith to resolve the dispute individually for at least 30 days after receipt of a complete notice.

Any applicable limitation period will be tolled during that 30-day period.

36. Binding Individual Arbitration

Except for matters eligible for small-claims court and requests for temporary injunctive relief concerning unauthorized access, security, or intellectual property, any dispute arising out of or relating to the Platform, calls, leads, payments, credits, AI or rules-based Systems, account access, these Terms, or the relationship between you and Flobase will be resolved by binding individual arbitration.

Arbitration will be administered by the American Arbitration Association under its applicable Commercial Arbitration Rules, unless another applicable AAA ruleset is required.

The arbitration will be conducted by one neutral arbitrator. It may occur by video, telephone, document submission, or in Fayette County, Kentucky, as the arbitrator determines under the applicable rules.

The arbitrator may award relief available to the individual claimant under applicable law but may not combine claims or award relief for persons who are not parties to the arbitration.

Judgment on the award may be entered in any court having jurisdiction.

Nothing in this section prevents either party from reporting an issue to a government agency. A government agency may seek relief where authorized by law.

37. Jury-Trial and Class-Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND FLOBASE WAIVE THE RIGHT TO A JURY TRIAL.

ALL CLAIMS MUST BE BROUGHT INDIVIDUALLY. NEITHER PARTY MAY PARTICIPATE AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN A CLASS, COLLECTIVE, CONSOLIDATED, MASS, COORDINATED, OR REPRESENTATIVE PROCEEDING.

If the class-action waiver is finally determined unenforceable as to a particular claim or requested remedy, that claim or remedy will proceed in a court of competent jurisdiction after all arbitrable matters are completed.

38. Arbitration Opt-Out

You may opt out of the arbitration agreement by sending a signed written notice to founders@flobasehq.com within 30 days after first accepting these Terms.

The notice must include your name, account email, company name, and an unambiguous statement that you opt out of arbitration.

Opting out of arbitration does not opt you out of any other provision of these Terms.

39. Venue for Non-Arbitrable Disputes

Any dispute not subject to arbitration or small-claims court must be brought exclusively in the state or federal courts located in Fayette County, Kentucky, and each party consents to personal jurisdiction and venue there.

40. Confidentiality

You may receive nonpublic information concerning Flobase, campaigns, pricing, routing, publishers, security, technology, scripts, or operations.

You may use confidential information only for authorized Platform purposes and may not disclose it except to personnel who need it and are bound by appropriate confidentiality obligations.

This section does not cover information that becomes public without breach, was lawfully known without restriction, is independently developed, or is lawfully received from another source.

A party may disclose information when legally required after providing notice where legally permitted.

41. Electronic Communications

You consent to receive agreements, disclosures, notices, invoices, compliance communications, and other records electronically through email, SMS, the Platform, or another electronic method associated with your account.

You are responsible for maintaining an accurate email address and phone number.

Electronic records and signatures have the same force and effect as paper records and handwritten signatures to the extent permitted by law.

Operational or transactional messages are not promotional messages and may be sent while you maintain an account.

42. Changes to the Platform or Terms

Flobase may update these Terms by posting revised Terms, updating the "Last Updated" date, or providing notice through the Platform, email, or another reasonable method.

Material changes will apply prospectively from the effective date stated in the notice.

Flobase may require affirmative reacceptance. If you do not agree to revised Terms, you must stop using the Platform.

Continued use after the effective date of revised Terms constitutes acceptance where permitted by law.

Changes to the arbitration provision will not retroactively alter a dispute of which Flobase had actual notice before the change became effective.

43. Force Majeure

Flobase is not liable for delay, interruption, or failure caused by circumstances beyond its reasonable control, including internet or telecommunications failures, carrier outages, cloud-service failures, payment-provider actions, cyberattacks, labor disputes, governmental actions, legal changes, disasters, epidemics, war, civil unrest, or failures of third-party infrastructure.

44. Assignment

You may not assign or transfer these Terms or your account without Flobase's prior written consent.

Flobase may assign these Terms in connection with a merger, acquisition, corporate reorganization, sale of assets, financing, or transfer of the Platform business.

45. Severability

If any provision is held unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions will remain effective, except as specifically stated in the arbitration section.

46. Waiver

Failure to enforce a provision is not a waiver. A waiver is effective only if in writing and signed by an authorized representative of Flobase.

47. Entire Agreement and Order of Precedence

These Terms, the Privacy Policy, campaign-specific rules, and any separately signed agreement constitute the entire agreement concerning the Platform and replace prior discussions or understandings on the same subject.

A separately signed agreement controls over these Terms to the extent it expressly states that it modifies a particular provision.

Campaign-specific rules control only for the applicable campaign and activity.

48. Headings and Interpretation

Headings are for convenience only.

"Including" means "including without limitation."

These Terms will not be construed against either party merely because one party drafted them.

49. Contact Information

Flobase is operated by:

Flobase LLC

300 E Main St

Lexington, KY 40507

Support: founders@flobasehq.com

Legal notices: founders@flobasehq.com

Website: flobase.tech