USER AGREEMENT

Insurance Marketing Machine Support

Effective Date: September 29, 2025

1. PARTIES AND SCOPE

This User Agreement ("Agreement") is between Insight to Impact LLC, doing business as AiAi Mastermind ("Company," "we," "us"), and you ("Client," "you") for the provision of Insurance Marketing Machine Support subscription.

Company Contact:
7131 Yorktown Ave. #1006
Huntington Beach, CA 92648
Email: [email protected]
Phone: 878 788 8855

Subscription: Insurance Marketing Machine Support
Monthly Price: As shown at time of enrollment and on your billing statements
Billing: Monthly automatic renewal

2. SUBSCRIPTION DESCRIPTION

2.1 What You Receive

IMPORTANT DISTINCTION: We are marketing consultants and educators, not a traditional ad agency. We provide training, recommendations, and implementation support per your request. You maintain full control and ownership of your campaigns.

Comprehensive Training:

  • Running and optimizing campaigns for your agency

  • Google Ads management and optimization strategies

  • SEO and local search optimization guidance

  • Campaign performance analysis and interpretation

Software Access:

  • Mai Marketing Machine platform access

  • SEO business listing setup and management

  • Referral automation system

  • Campaign management tools

  • Analytics and reporting dashboards

Content Support:

  • Social media templates customized for insurance agents

  • Assistance with content creation

  • Marketing message development

  • Seasonal campaign templates

Campaign Optimization Support:

  • Implementation of changes and modifications per your request

  • Campaign optimization recommendations and training

  • Ad copy refinement suggestions

  • Bid strategy adjustment recommendations

  • Targeting optimization guidance

  • You approve all changes before implementation

Reporting & Recommendations:

  • Regular campaign status reviews

  • Data updates and performance metrics

  • Strategic recommendations for improvement

  • Competitive analysis insights

  • ROI tracking and reporting

Strategic Guidance:

  • Dedicated consultation time for Google Ads strategies

  • Email and chat support for questions

  • Best practices guidance

  • Troubleshooting assistance

2.2 Billing Terms

Billing Cycle: Monthly automatic renewal
Payment Date: Same date each month as initial enrollment
Failed Payments: If payment fails, we will retry 3 times over 7 days. After 3 failures, service will be suspended until payment is received.
Late Fees: $10 late fee applies for failed payments requiring manual collection.

2.3 Price Changes

We may increase prices with 30 days advance notice via email. You may cancel before the increase takes effect to avoid new pricing.

Grandfathered Pricing: Early adopter pricing is honored as long as your subscription remains active without gaps.

3. CLIENT RESPONSIBILITIES

3.1 Active Participation

To maximize value from this subscription:

  • Review and approve our recommendations

  • Request specific changes or optimizations you want

  • Provide requested information for optimization analysis

  • Make final decisions on campaign changes

  • Maintain adequate Google Ads budget

  • Monitor campaign performance regularly

  • Report issues or concerns promptly

Your Control: You maintain full control of your campaigns. We provide recommendations and implement changes only per your request and approval.

3.2 Platform Prerequisites

You must maintain:

  • Active Mai Marketing Machine account

  • Google Ads account with proper access granted to us

  • Viable quote landing pages

  • Business listing access (Google Business Profile, etc.)

  • Working phone system for lead handling

3.3 Compliance Responsibilities

You are responsible for:

  • Maintaining active insurance licenses

  • Complying with state insurance regulations

  • Following NAIC guidelines and insurance marketing rules

  • Ensuring all marketing materials meet regulatory standards

  • Obtaining necessary carrier approvals for marketing materials

  • Maintaining required insurance (E&O, general liability)

3.4 Budget Requirements

You must:

  • Maintain adequate Google Ads budget for campaigns to run effectively

  • Fund campaigns sufficiently for meaningful data collection

  • Pay Google Ads invoices directly to Google (separate from our subscription)

  • Allocate budget for seasonal fluctuations

4. PAYMENT TERMS

Payment Method: Credit card, debit card, ACH transfer via Stripe
Monthly Charge: Amount shown at enrollment
Authorization: By subscribing, you authorize monthly recurring charges
Updates: Keep payment method current to avoid service interruption

Important: This subscription covers our support services. Google Ads spend is billed separately by Google directly to you.

5. CANCELLATION POLICY

5.1 How to Cancel

30 Days Advance Notice Required

Method 1: Email

  • Send cancellation request to [email protected]

  • Include: Your name, email address, last 4 digits of payment method

  • Subject line: "Cancellation Request - IMM Support"

Method 2: Platform

  • Log into Mai Marketing Machine

  • Navigate to Settings > Billing

  • Click "Cancel Subscription"

  • Follow prompts to confirm cancellation

Confirmation: You will receive email confirmation within 48 business hours

5.2 Service End Date

Service continues until the end of your next billing cycle after 30-day notice period.

Example:

  • Billing date: 15th of each month

  • Cancellation date: September 5

  • 30-day notice period ends: October 5

  • Service continues through: October 15 (next billing cycle)

  • Final billing: October 15

  • Service ends: October 15

5.3 No Prorated Refunds

We do NOT provide prorated refunds for partial month usage. Once a billing cycle begins, you have access to services for the full cycle regardless of usage.

5.4 Post-Cancellation Access

After cancellation:

  • 60-Day Grace Period: Mai Marketing Machine account remains open 60 days in read-only mode

  • During 60 Days: You can view historical data, export information, download assets

  • After 60 Days: Your account and all data are permanently deleted

  • Business Listings: Remain live online but not monitored or optimized by us

  • Google Ads Campaigns: Remain fully functional in YOUR Google Ads account. You can continue running them independently or with another service provider.

  • Your Benefit: Unlike traditional ad agencies, you keep working campaigns that you fully own

  • Your Responsibility: Continue managing campaigns yourself or hire another service provider

6. INTELLECTUAL PROPERTY

6.1 Our Intellectual Property

All training materials, campaign templates, optimization strategies, and proprietary methodologies remain the exclusive property of Insight to Impact LLC. You receive a limited license during active subscription.

Restrictions - You may NOT:

  • Share materials with non-clients

  • Resell or redistribute our strategies

  • Claim our methodologies as your own

  • Remove copyright notices

  • Create derivative works for sale

6.2 Your Campaign Materials

Campaign structures, business listings, and marketing materials we create for you become your property upon full payment. This includes:

  • Google Ads campaign structures in your account

  • Business listing optimizations

  • Ad copy and messaging

  • Landing page content we create

6.3 Campaign Ownership and Control

You Own Your Campaigns: All campaigns remain in YOUR Google Ads account. We provide:

  • Training on how to optimize campaigns

  • Recommendations for improvements

  • Implementation of changes only when you request them

  • Monthly performance reports and analysis

We Do NOT:

  • Make changes without your knowledge or approval

  • Control your ad spend or budgets

  • Act as a traditional ad agency managing campaigns on your behalf

Key Benefit: When you stop working with us, you keep your fully-functional campaigns and can continue running them independently or with another service provider.

7. RESULTS DISCLAIMERS AND LIMITATIONS

7.1 NO GUARANTEED RESULTS

CRITICAL DISCLAIMER: We provide marketing support, optimization, and strategic guidance, but we do NOT and CANNOT guarantee specific results, including but not limited to:

  • Number of leads generated

  • Lead quality or conversion rates

  • Insurance sales or revenue

  • Return on advertising investment (ROAS)

  • Cost per lead or cost per acquisition

  • Search engine rankings

  • Website traffic levels

  • Click-through rates or conversion rates

7.3 Past Performance

Case studies, testimonials, and examples of past client results do NOT guarantee you will achieve similar results. Individual results vary significantly based on the factors listed above.

7.4 Platform Dependencies

Our services rely on third-party platforms (Google Ads, GoHighLevel, social media platforms) whose algorithms, policies, and functionality may change without notice. We are not responsible for results impacted by third-party platform changes.

8. LIMITATION OF LIABILITY

8.1 Liability Cap

TO THE FULLEST EXTENT PERMITTED BY CALIFORNIA LAW, OUR TOTAL LIABILITY ARISING FROM OR RELATED TO THIS SUBSCRIPTION SHALL NOT EXCEED THE AMOUNT YOU PAID IN THE PRECEDING 12 MONTHS.

8.2 Professional Liability Insurance

We maintain professional liability insurance. This insurance covers errors and omissions in our professional services but does not guarantee compensation for all claims.

8.3 Excluded Damages

WE SHALL NOT BE LIABLE FOR:

  • Indirect, incidental, or consequential damages

  • Loss of profits, revenue, or business opportunities

  • Loss of data or campaign history

  • Google Ads spend or wasted ad budget

  • Business interruption

  • Damages arising from third-party platforms

  • Damages resulting from your failure to follow recommendations

  • Poor lead conversion due to your sales process

  • Claims arising more than 12 months after services provided

9. INSURANCE INDUSTRY COMPLIANCE

9.1 Our Role

WE ARE MARKETING CONSULTANTS, NOT INSURANCE COMPLIANCE EXPERTS. We provide guidance on marketing strategies, digital advertising, and lead generation. We do NOT provide:

  • Insurance licensing advice

  • Regulatory compliance guidance

  • Legal interpretation of insurance regulations

  • Approval of insurance marketing materials

  • Compliance with state insurance laws

  • Compliance with insurance carriers requirements

9.2 Your Compliance Responsibilities

You acknowledge and agree that:

  • You are solely responsible for compliance with all insurance regulations

  • You must ensure all marketing materials comply with state insurance laws

  • You must obtain necessary carrier approvals for marketing materials

  • You must maintain active insurance licenses in all states where you operate

  • You must seek independent legal counsel for insurance compliance questions

  • You must comply with NAIC Model Regulations and state-specific rules

9.3 Regulatory Liability

WE ARE NOT LIABLE FOR:

  • Regulatory fines or penalties you incur

  • License suspensions or revocations

  • Compliance violations in your marketing

  • Failure to obtain necessary approvals

  • State insurance department actions against you

You agree to indemnify and hold us harmless from any claims arising from your failure to comply with insurance regulations.

9.4 Marketing Content Responsibility

While we create and optimize campaigns for you, YOU are responsible for:

  • Ensuring all marketing claims are accurate and compliant

  • Including required disclosures in advertisements

  • Obtaining carrier approval when required

  • Avoiding prohibited terms and practices

  • Complying with FTC and state advertising laws

  • Maintaining documentation to substantiate claims

10. SERVICE LEVEL AND SUPPORT

10.1 Support Availability

Email Support: [email protected]
Response Time: Within 48 business hours for non-urgent matters
Urgent Issues: Within 4 business hours during business hours
Business Hours: Monday-Friday, 9 AM - 5 PM Pacific Time (excluding holidays)

10.2 What's Included

  • Campaign optimization recommendations and training

  • Strategic consultation via email/chat

  • Monthly performance reporting and analysis

  • Technical assistance with Mai Marketing Machine

  • Content support and templates

  • Troubleshooting campaign issues

  • Implementation of changes per your request and approval

10.3 What's Not Included

  • Direct Google Ads support (contact Google directly)

  • Your website hosting or domain issues

  • Complete campaign rebuilds (major restructuring may require additional fees)

  • Management of non-Google advertising platforms

  • Graphic design services beyond templates

  • Custom landing page development

10.4 Platform Uptime

We strive for 99% uptime for Mai Marketing Machine platform but do not guarantee uninterrupted availability. Scheduled maintenance will be announced 24 hours in advance when possible.

11. CONFIDENTIALITY

11.1 Confidential Information

Each party agrees to protect the other's confidential information, including:

  • Your Confidential Information: Business strategies, financial data, client lists, campaign performance data

  • Our Confidential Information: Optimization strategies, proprietary methodologies, campaign templates

11.2 Data Security

We implement reasonable security measures to protect your confidential information (see Privacy Policy for details). You are responsible for maintaining security of your login credentials.

12. DISPUTE RESOLUTION

12.1 Good Faith Negotiation

Before initiating legal action, parties agree to attempt good faith negotiation by contacting [email protected]. We will respond within 5 business days.

12.2 Mediation

If negotiation fails within 30 days, parties agree to mediate the dispute through a neutral mediator in Orange County, California before proceeding to arbitration.

12.3 Binding Arbitration

If mediation fails, disputes will be resolved through binding arbitration under American Arbitration Association (AAA) rules in Orange County, California.

Arbitration Terms:

  • One arbitrator mutually selected or appointed by AAA

  • California law applies

  • Discovery limited to essential documents

  • Each party bears own costs except as awarded by arbitrator

  • Arbitrator's decision is final and binding

  • Class actions and jury trials are waived

12.4 Governing Law and Venue

This Agreement is governed by California law. Any court proceedings shall be in Orange County, California. You consent to personal jurisdiction in California courts.

13. MODIFICATIONS TO AGREEMENT

We may modify this Agreement with 30 days notice via email. Material changes require your consent. Continued use after changes constitutes acceptance. You may cancel before changes take effect.

14. GENERAL PROVISIONS

14.1 Entire Agreement

This Agreement, together with the Privacy Policy, Refund Policy, and Acceptable Use Policy, constitutes the entire agreement between parties.

14.2 Independent Contractors

You and we are independent contractors. Nothing in this Agreement creates an employment, partnership, joint venture, or agency relationship.

14.3 Assignment

You may not assign this Agreement without our written consent. We may assign this Agreement without restriction.

14.4 Severability

If any provision is unenforceable, remaining provisions remain in full effect.

14.5 Force Majeure

Neither party is liable for delays due to circumstances beyond reasonable control (natural disasters, pandemics, internet outages, acts of God, war, government actions).

14.6 Survival

Provisions regarding intellectual property, confidentiality, limitation of liability, and dispute resolution survive termination.

15. ACKNOWLEDGMENT

By subscribing to Insurance Marketing Machine Support, you acknowledge that you have read, understood, and agree to this Agreement, including all limitations of liability and results disclaimers. You confirm that you are authorized to enter into this Agreement on behalf of your business.

16. CONTACT INFORMATION

Insight to Impact LLC DBA AiAi Mastermind
7131 Yorktown Ave. #1006
Huntington Beach, CA 92648
Email: [email protected]
Phone: 878 788 8855

Service Questions: Keyssa Luna - [email protected]
Legal Questions: Nathan Brodnax - [email protected]

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