Terms of Service

1. Acceptance of Terms

By accessing and using ApexScoop.com (the “Website”), submitting any form on our Website, or communicating with us through any channel, 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 submit your information.

These Terms apply to all visitors, users, and others who access or use the Website.

2. About Our Services

ApexScoop.com is operated by Jonathan Holloway, a licensed Life, Health, and Accident Insurance Agent affiliated with American Income Life Insurance Company. Our services include:

• Providing general insurance education and information
• Hosting free educational webinars on insurance topics
• Collecting contact information for insurance consultation scheduling
• Connecting prospective clients with licensed insurance agents

We do NOT:

• Sell insurance products directly through this Website
• Provide binding insurance quotes through this Website
• Guarantee coverage, approval, or specific premium rates
• Provide legal, tax, or financial planning advice

3. Insurance Licensing Disclosure

Jonathan Holloway is currently licensed to sell and consult on insurance products in Indiana. Insurance products and services are regulated by state law. Not all products described on this Website may be available in your state.

If you reside outside of a state where we are currently licensed, your inquiry may be referred to a licensed agent in your state. By submitting our contact form, you acknowledge and consent to this potential referral as described in our Privacy Policy.

No insurance products are sold, applied for, or bound through this Website. All insurance applications and transactions are handled through proper licensed channels outside of this Website.

4. No Insurance Advice or Guarantee

All content on this Website, including webinar content, articles, descriptions of insurance products, and calculator tools, is provided for general educational purposes only. It does not constitute:

• A solicitation to purchase any specific insurance product
• A guarantee of insurability or eligibility for any insurance product
• A binding quote, offer, or contract of insurance
• Legal, tax, or financial advice

Your actual coverage, premiums, and eligibility will be determined based on your individual circumstances, medical history, and the underwriting guidelines of the specific insurance carrier at the time of application.

5. Contact Form Submission

When you submit our contact form, you acknowledge and agree that:

• You are requesting to be contacted by Jonathan Holloway or a licensed affiliated agent
• You are not required to purchase any insurance product or service
• Submitting the form does not create an insurance policy, contract, or client relationship
• You have provided accurate and truthful information
• You are at least 18 years of age
• Your information will be handled as described in our Privacy Policy

6. Text Message Communications (TCPA)

If you check the box to receive text messages on our contact form, you expressly consent to receive recurring automated and non-automated text messages from Jonathan Holloway and/or affiliated licensed agents at the phone number you provided, including messages sent using an automatic telephone dialing system or artificial or prerecorded voice.

• Messages may include appointment reminders, consultation updates, webinar invitations, and insurance information
• Message frequency may vary
• Standard message and data rates may apply depending on your carrier plan
• You may opt out at any time by replying STOP to any message
• For help, reply HELP
• Consent to text messages is NOT a condition of purchasing any product or service

7. Webinar Terms

Our webinars are provided free of charge for educational purposes. By registering for or attending a webinar, you agree that:

• Webinar content is for general education only and does not constitute insurance advice specific to your situation
• We reserve the right to reschedule, cancel, or modify webinar content at any time
• We may record webinars for quality and educational purposes
• You will not record, redistribute, or commercially exploit webinar content without written permission
• Registration information will be used to send you access details and follow-up communications as described in our Privacy Policy

8. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, webinar materials, and scripts, is the property of Jonathan Holloway / ApexScoop and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, publish, display, or create derivative works from any content on this Website without prior written permission, except for personal, non-commercial use.

9. Third-Party Links and Services

This Website may contain links to third-party websites or use third-party services (including Google Forms and Google Meet for webinars). We are not responsible for:

• The content, accuracy, or practices of any third-party website
• Any products or services offered by third parties
• The privacy practices of third-party services

Your use of third-party services is governed by their respective terms of service and privacy policies. We encourage you to review those policies.

10. Disclaimer of Warranties

THIS WEBSITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Website will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, completeness, or timeliness of information
• Warranties that any defects will be corrected

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, JONATHAN HOLLOWAY AND APEXSCOOP SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE, OUR SERVICES, OR THESE TERMS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.

12. Indemnification

You agree to indemnify, defend, and hold harmless Jonathan Holloway, ApexScoop, and their affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Website, your violation of these Terms, or your violation of any rights of another.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of the Website shall first be attempted to be resolved through good-faith negotiation. If that fails, disputes shall be resolved through binding arbitration in Lake County, Indiana, in accordance with the American Arbitration Association rules. You waive the right to a jury trial and the right to participate in a class action lawsuit.

14. Children's Use

This Website is intended for individuals 18 years of age or older. We do not knowingly collect information from individuals under 18. If you are under 18, please do not submit any information through our Website.

15. CAN-SPAM Compliance

If you opt in to receive email communications, we comply with the CAN-SPAM Act. All marketing emails will:

• Clearly identify the sender
• Include a valid physical address
• Include a clear and conspicuous opt-out mechanism
• Honor opt-out requests within 10 business days

You may opt out of marketing emails at any time by clicking Unsubscribe in any email or by contacting us directly. Transactional emails (such as appointment confirmations and webinar access links) may still be sent after opt-out.

16. No Agency Relationship

Submitting your information on this Website does not create an agent-client relationship, insurance contract, or any other legal relationship between you and Jonathan Holloway or American Income Life Insurance Company. Such a relationship is only established upon execution of a formal application and acceptance by the insurance carrier.

17. Accessibility

We are committed to making our Website accessible. If you experience difficulty accessing any part of this Website, please contact us at jonathanholloway.ail@gmail.com and we will do our best to assist you.

18. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the “Last Updated” date at the top of this page. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

19. Severability

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

20. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ApexScoop regarding your use of this Website and supersede all prior agreements and understandings.