TERMS OF SERVICE

1. AGREEMENT TO TERMS

By accessing USAgentData.com (the "Site"), creating an account, or purchasing a subscription (collectively, the "Service"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms") in their entirety. If you do not agree to these Terms, you must immediately cease use of the Site and Service.

These Terms constitute a legally binding agreement between you and United Lanes LLC, a Nebraska limited liability company doing business as US Agent Data ("Company," "we," "us," or "our"). These Terms apply to all visitors, registered users, and subscribers regardless of tier or access level.

We reserve the right to modify these Terms at any time. Continued use of the Service after any modification constitutes your acceptance of the updated Terms. It is your responsibility to review these Terms periodically.

2. DESCRIPTION OF SERVICE

US Agent Data provides a subscription-based platform that aggregates, normalizes, and delivers publicly available insurance agent licensing records sourced from state regulatory authorities across all 50 United States. The Service includes:

• Access to a searchable, filterable web-based dashboard of agent records
• The ability to search and export agent contact information including names, email addresses, phone numbers, office addresses, license lines, license status, residency status, and agency affiliations
• Monthly database updates reflecting newly licensed agents as reported by state licensing authorities
• Tiered subscription access with varying monthly export limits based on selected plan

The Service is a business intelligence and data access tool. We are a data aggregator and technology platform, not a marketing agency, and we do not send communications on your behalf.

3. ELIGIBILITY AND BUSINESS USE ONLY

The Service is intended exclusively for lawful business use by companies and individuals operating in a commercial capacity. By creating an account, you represent and warrant that:

• You are at least 18 years of age
• You have the legal authority to enter into a binding contract
• You are using the Service on behalf of a business or in a professional commercial capacity
• You are not using the Service for any consumer-directed purpose
• Your use of the Service and any data obtained through it complies with all applicable federal, state, and local laws and regulations

The Service is not intended for and may not be used by consumers for personal, family, or household purposes. Any such use is a material breach of these Terms.

4. ACCOUNTS AND REGISTRATION

To access the Service, you must create an account by providing accurate, complete, and current information. You agree to:

• Maintain the accuracy of your account information at all times
• Keep your login credentials confidential and not share them with any third party
• Notify us immediately of any unauthorized use of your account or any breach of security
• Accept full responsibility for all activity that occurs under your account, whether or not authorized by you

We reserve the right to refuse registration, suspend, or terminate any account at our sole discretion, including but not limited to accounts that violate these Terms, provide false information, or engage in conduct we determine to be harmful to the Service, other users, or third parties.

One account per individual or business entity is permitted unless otherwise agreed to in writing. Account sharing across multiple users within an organization is prohibited unless you have obtained written authorization from us.

5. SUBSCRIPTIONS AND BILLING

5.1 Subscription Plans

The Service is offered on a subscription basis. Current plans, pricing, and included export limits are described on our pricing page at USAgentData.com/pricing. We reserve the right to modify plan features and pricing at any time with 30 days advance notice to active subscribers.

5.2 Billing

Subscriptions are billed monthly in advance on the date you first subscribe (your "Billing Date"). By subscribing, you authorize United Lanes LLC to charge your payment method on file on each Billing Date automatically until you cancel. You are responsible for ensuring your payment method remains valid and current.

5.3 Failed Payments

If a payment fails, we will attempt to collect payment using any other payment method on file. If payment cannot be collected within 7 days of the Billing Date, your account will be suspended. Access will be restored upon successful payment. We reserve the right to terminate accounts with repeated failed payments.

5.4 All Sales Final — No Refunds

ALL SUBSCRIPTION FEES ARE NON-REFUNDABLE. WE DO NOT OFFER REFUNDS, CREDITS, OR PRORATIONS UNDER ANY CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO: EARLY CANCELLATION, UNUSED EXPORT CREDITS, DISSATISFACTION WITH DATA QUALITY, CHANGES IN BUSINESS NEEDS, OR ACCOUNT TERMINATION FOR VIOLATION OF THESE TERMS. BY SUBSCRIBING, YOU EXPRESSLY ACKNOWLEDGE AND AGREE TO THIS NO-REFUND POLICY.

5.5 Taxes

You are responsible for all applicable taxes associated with your subscription. Prices displayed do not include taxes unless expressly stated.

6. CANCELLATION

You may cancel your subscription at any time through your account dashboard or by emailing support@usagentdata.com. Cancellation takes effect at the end of your current billing period. You will retain access to the Service through the end of the paid period. No partial refunds or credits will be issued for the remaining days in a billing period following cancellation.

It is your responsibility to cancel before your next Billing Date if you do not wish to be charged for the following month. We are not responsible for charges incurred due to failure to cancel in a timely manner.

7. EXPORT LIMITS AND CREDIT POLICY

Each subscription tier includes a specified number of monthly contact export credits. The following terms apply to all export credits:

• Export credits reset automatically on your monthly Billing Date
• Unused credits do not roll over to the following month
• Unused credits have no cash value and are not refundable
• Export credits may not be transferred between accounts
• Attempts to circumvent export limits through automation, scraping, or other technical means are a material violation of these Terms and will result in immediate account termination

We reserve the right to audit export activity and investigate usage patterns that suggest abuse of the platform.

8. DATA SOURCE AND NATURE

All agent records available through the Service are derived from publicly available state insurance licensing databases maintained by state regulatory authorities. This data is public record. We collect, compile, normalize, deduplicate, and present this data through our proprietary platform. Our value lies in the aggregation, formatting, delivery infrastructure, and technology — not in any claim of ownership over the underlying public records themselves.

By subscribing to the Service, you receive a non-exclusive right to access and use exported data for lawful business purposes. There are no restrictions on what you may do with exported data provided your use complies with applicable law and Section 9 of these Terms.

9. PERMITTED USE

You may use data accessed through the Service for any lawful commercial purpose including but not limited to:

• Sales prospecting and outreach to licensed insurance agents
• Recruiting licensed insurance agents
• Market research and business intelligence
• CRM enrichment and pipeline development
• Marketing campaigns directed at licensed insurance professionals

You represent and warrant that all outreach conducted using data obtained through the Service complies fully with applicable law including but not limited to the CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), the Federal Trade Commission Act, and any applicable state marketing, privacy, and telecommunications laws.

10. PROHIBITED USE

You expressly agree that you will NOT use the Service or any data obtained through it to:

• Violate any applicable federal, state, local, or international law or regulation
• Send unsolicited commercial communications in violation of the CAN-SPAM Act, TCPA, or any other applicable law
• Harass, threaten, defame, or harm any individual
• Engage in any form of discriminatory targeting prohibited by law
• Resell, sublicense, relicense, or redistribute raw data exports to third parties as a standalone data product without our express prior written consent
• Build, train, or improve any competing data product, database, or service using data obtained through the Service
• Use automated means including bots, scrapers, or crawlers to extract data from the platform beyond normal export functionality
• Attempt to gain unauthorized access to any portion of the platform, other user accounts, or our backend systems
• Reverse engineer, decompile, or attempt to extract the source code or underlying methodology of the platform
• Use the data for any consumer-directed purpose including targeting individuals in their personal capacity
• Impersonate any person, company, or entity in connection with use of the data
• Upload or introduce malicious code, viruses, or harmful components to the platform

Any violation of this Section constitutes a material breach of these Terms and will result in immediate termination of your account. We reserve all rights and remedies available to us under applicable law.

11. DATA ACCURACY — DISCLAIMER

THE DATA PROVIDED THROUGH THE SERVICE IS SOURCED FROM PUBLICLY AVAILABLE STATE REGULATORY DATABASES. WE MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES OF ANY KIND — EXPRESS OR IMPLIED — REGARDING:

• THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY RECORD
• THE DELIVERABILITY OR VALIDITY OF ANY EMAIL ADDRESS
• THE ACCURACY OR CONNECTIVITY OF ANY PHONE NUMBER
• THE CURRENT EMPLOYMENT, AFFILIATION, OR LICENSING STATUS OF ANY AGENT
• THE FITNESS OF THE DATA FOR ANY PARTICULAR PURPOSE OR USE CASE

STATE LICENSING DATABASES ARE UPDATED ON SCHEDULES OUTSIDE OUR CONTROL. RECORDS MAY BE OUTDATED, INCOMPLETE, OR CONTAIN ERRORS. YOU ASSUME ALL RISK ASSOCIATED WITH YOUR USE OF THE DATA. WE ARE NOT LIABLE FOR ANY DAMAGES ARISING FROM YOUR RELIANCE ON DATA OBTAINED THROUGH THE SERVICE.

12. DATABASE UPDATES

We update our database periodically to reflect newly licensed agents as reported by state regulatory authorities. Update frequency and volume vary based on state reporting schedules and other factors outside our control. We make no guarantee as to the specific number of new records added in any given update cycle, the timing of updates, or the consistency of update volume month over month. Database update features are provided as-is and are subject to change or discontinuation at any time without notice.

13. INTELLECTUAL PROPERTY

The Site, platform, dashboard, software, design, user interface, data compilations, formatting methodology, and all other content and technology constituting the Service are the exclusive intellectual property of United Lanes LLC and are protected by applicable copyright, trademark, trade secret, and other intellectual property laws.

You may not copy, reproduce, modify, distribute, publicly display, or create derivative works from any portion of the platform or its technology without our express prior written consent. Nothing in these Terms grants you any ownership interest in or to the platform or its technology.

14. DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNITED LANES LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, OR COMPLETELY SECURE. WE DO NOT WARRANT THAT ANY DEFECTS WILL BE CORRECTED OR THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS. ACCESS TO THE SERVICE MAY BE SUSPENDED OR INTERRUPTED FOR MAINTENANCE, UPDATES, OR CIRCUMSTANCES BEYOND OUR CONTROL.

15. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNITED LANES LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, AND SUCCESSORS SHALL NOT BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES
• COST OF SUBSTITUTE GOODS OR SERVICES
• DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE
• DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA
• DAMAGES ARISING FROM ANY THIRD-PARTY CLAIMS RELATED TO YOUR USE OF DATA OBTAINED THROUGH THE SERVICE

EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE EXCEED THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO UNITED LANES LLC IN THE THREE (3) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

THE LIMITATIONS IN THIS SECTION ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND UNITED LANES LLC AND SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

16. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless United Lanes LLC and its members, managers, officers, employees, agents, affiliates, licensors, and successors from and against any and all claims, demands, actions, liabilities, losses, damages, judgments, penalties, fines, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

• Your access to or use of the Service
• Any data exported or obtained through the Service and your use thereof
• Your violation of these Terms
• Your violation of any applicable law or regulation including but not limited to the CAN-SPAM Act and TCPA
• Any claim by a third party that your use of the data caused harm, constituted harassment, violated their rights, or violated applicable law
• Your negligence or willful misconduct
• Any misrepresentation made by you in connection with your use of the Service

We reserve the right, at our own expense, to assume exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with our defense.

17. TERMINATION

17.1 Termination by You

You may cancel your subscription at any time as described in Section 6. Cancellation does not entitle you to any refund.

17.2 Termination by Us

We reserve the right to suspend or terminate your access to the Service immediately and without notice if we determine in our sole discretion that:

• You have violated any provision of these Terms
• Your use of the Service poses a risk to us, other users, or third parties
• You have provided false or misleading information in connection with your account
• We are required to do so by law or court order
• You engage in any conduct that we determine, in our sole discretion, to be harmful, abusive, or inappropriate

17.3 Effect of Termination

Upon termination for any reason: your right to access the Service ceases immediately; we have no obligation to retain or provide copies of any data previously exported; no refunds will be issued for any remaining subscription period; and all provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 11, 14, 15, 16, 18, and 19.

18. DISPUTE RESOLUTION AND BINDING ARBITRATION

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

18.1 Informal Resolution

Before initiating arbitration, you agree to first contact us at support@usagentdata.com and provide a written description of the dispute, the relief sought, and your contact information. We will attempt to resolve the dispute informally within 30 days. If we cannot resolve the dispute informally, either party may initiate arbitration as described below.

18.2 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service — including questions of arbitrability — shall be resolved exclusively by final and binding arbitration rather than in court. Arbitration shall be conducted by a single neutral arbitrator under the Commercial Arbitration Rules of the American Arbitration Association (AAA) then in effect, except as modified herein.

18.3 Location

Arbitration shall take place in Lancaster County, Nebraska. If you are located outside Nebraska, arbitration may be conducted by telephone or videoconference at the arbitrator's discretion.

18.4 Arbitrator Authority

The arbitrator has exclusive authority to resolve all disputes including but not limited to the formation, interpretation, applicability, enforceability, or scope of these Terms. The arbitrator may award the same damages and relief that a court could award. The arbitrator's decision shall be final, binding, and non-appealable except on grounds recognized by the Federal Arbitration Act (FAA), and may be entered as a judgment in any court of competent jurisdiction.

18.5 Class Action Waiver

YOU AND UNITED LANES LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING.

18.6 Jury Trial Waiver

BY AGREEING TO THESE TERMS, YOU EXPRESSLY WAIVE YOUR RIGHT TO A JURY TRIAL FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS.

18.7 Exceptions

Notwithstanding the foregoing, either party may seek emergency injunctive or equitable relief from a court of competent jurisdiction in Lancaster County, Nebraska to prevent irreparable harm pending arbitration. This exception does not waive either party's right to arbitrate the underlying dispute.

19. GOVERNING LAW AND VENUE

These Terms shall be governed by and construed in accordance with the laws of the State of Nebraska, without regard to its conflict of laws principles. For any claims not subject to arbitration, you consent to exclusive personal jurisdiction and venue in the state and federal courts located in Lancaster County, Nebraska, and waive any objection to such jurisdiction or venue.

20. GENERAL PROVISIONS

20.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and United Lanes LLC with respect to the Service and supersede all prior and contemporaneous agreements, representations, and understandings.

20.2 Severability

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

20.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of United Lanes LLC.

20.4 No Agency

Nothing in these Terms creates any partnership, joint venture, agency, franchise, or employment relationship between you and United Lanes LLC.

20.5 Assignment

You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign these Terms freely without restriction.

20.6 Force Majeure

We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control including but not limited to acts of God, natural disasters, pandemics, government actions, internet or telecommunications failures, or third-party service outages.

20.7 Headings

Section headings are for convenience only and have no legal effect.

20.8 Electronic Communications

By using the Service, you consent to receiving electronic communications from us. You agree that all notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.