Terms of Service

1. Acceptance of Terms

By accessing and using the Karma Insurance Network website, submitting an application, or engaging with our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

2. Description of Service

Karma Insurance Network operates as an insurance agent recruitment and career placement platform. We connect licensed insurance professionals with career opportunities and provide related services including:

• Career opportunity listings and applications
• Professional development resources
• Communication and networking platforms
• Training and educational materials
• Technology tools and support systems

3. Eligibility and Registration

3.1 Age Requirement

You must be at least 18 years old to use our services or submit an application.

3.2 Professional Requirements

To apply for career opportunities, you must:

• Hold valid insurance licenses where required
• Be legally authorized to work in the United States
• Provide accurate and truthful information
• Meet professional standards and qualifications

3.3 Account Responsibility

You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account.

4. User Conduct and Responsibilities

4.1 Prohibited Activities

You agree not to:

• Provide false or misleading information
• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful or malicious code
• Engage in spam or unauthorized solicitation
• Attempt to gain unauthorized access to our systems
• Use our services for any illegal or unethical purposes

4.2 Professional Standards

If you become associated with Karma Insurance Network, you agree to:

• Maintain all required licenses and certifications
• Comply with insurance industry regulations
• Conduct business ethically and professionally
• Protect client confidentiality and privacy
• Follow company policies and procedures

5. Application Process

5.1 Application Submission

By submitting an application, you represent that:

• All information provided is accurate and complete
• You have the right to share any uploaded documents
• You consent to background checks and verification
• You understand that submission does not guarantee acceptance

5.2 Evaluation Process

We reserve the right to evaluate applications at our discretion and may:

• Request additional information or documentation
• Conduct interviews and assessments
• Verify professional references and credentials
• Accept or decline applications for any reason

6. Communications and Marketing

6.1 Consent to Communications

By providing your contact information, you consent to receive communications from us via:

• Email messages
• Text messages (SMS)
• Phone calls
• Mail correspondence

6.2 Opt-Out Rights

You may opt out of marketing communications at any time by following the unsubscribe instructions in our messages or contacting us directly.

7. Intellectual Property

7.1 Our Content

All content on our website, including text, graphics, logos, images, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for its intended purposes.

7.3 User Content

By submitting content to us (including application materials), you grant us a non-exclusive, royalty-free license to use, modify, and distribute such content for business purposes.

8. Privacy and Data Protection

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

9. Disclaimers and Limitations

9.1 Service Availability

We strive to maintain service availability but cannot guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, technical issues, or other factors beyond our control.

9.2 No Guarantee of Employment

Submission of an application or participation in our platform does not guarantee employment, career opportunities, or specific income levels.

9.3 Third-Party Content

We are not responsible for the accuracy, content, or availability of third-party websites or services linked from our platform.

10. Limitation of Liability

To the fullest extent permitted by law, Karma Insurance Network shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Personal injury or property damage
• Opportunity costs

11. Indemnification

You agree to indemnify and hold harmless Karma Insurance Network from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any laws or regulations
• Infringement of third-party rights

12. Employment Relationships

12.1 Independent Contractor Status

Unless otherwise specified in a separate agreement, any professional relationship with Karma Insurance Network is on an independent contractor basis.

12.2 Separate Agreements

Specific terms of any professional engagement will be governed by separate agreements that supersede these general Terms where applicable.

13. Termination

13.1 Termination by You

You may terminate your use of our services at any time by ceasing to access our website and contacting us to close any accounts.

13.2 Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice, for any reason including violation of these Terms.

13.3 Effect of Termination

Upon termination, your right to use our services ceases immediately, but provisions regarding intellectual property, liability, and dispute resolution shall survive.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of the United States and the state in which Karma Insurance Network is headquartered, without regard to conflict of law principles.

14.2 Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14.3 Class Action Waiver

You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as part of a class action or collective proceeding.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by:

• Posting updated Terms on our website
• Sending email notifications to registered users
• Providing reasonable advance notice

Your continued use of our services after any modifications indicates acceptance of the updated Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements, constitute the entire agreement between you and Karma Insurance Network regarding your use of our services.

18. Contact Information

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

19. Effective Date

These Terms of Service are effective as of July 30, 2025, and replace any previous terms of service.