Terms & Conditions

Last updated: August 17, 2025

1. Acceptance of Terms

By accessing and using Top Life Agent ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Top Life Agent provides a platform for insurance agents and financial professionals to manage their clients, contacts, and communications. The Service includes but is not limited to:

• Client and contact management
• Email and SMS communication tools
• Template management for communications
• Administrative dashboard and reporting

3. User Accounts

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use
• Accept responsibility for all activities under your account

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to the Service
• Interfere with the proper functioning of the Service
• Use the Service for spam or unsolicited communications

5. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Top Life Agent and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

7. User Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and distribute your content in connection with the Service.

8. Payment Terms

Some features of the Service may require payment. All fees are non-refundable unless otherwise stated. We reserve the right to change our pricing with notice.

9. Service Availability

We strive to maintain the Service's availability but do not guarantee uninterrupted access. We may temporarily suspend the Service for maintenance or updates.

10. Limitation of Liability

To the maximum extent permitted by law, Top Life Agent shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

11. Indemnification

You agree to defend, indemnify, and hold harmless Top Life Agent from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Service.

12. Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Top Life Agent operates, without regard to its conflict of law provisions.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date.

15. Contact Information

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