Terms of Service

Effective Date: April 14, 2026 | Last Updated: April 14, 2026

These Terms of Service ("Terms") govern your use of the Infinite Advantage platform at infiniteadvantage.app (the "Service") operated by Infinite Advantage ("we," "our," or "us"). By accessing or using the Service, you agree to be bound by these Terms.

1. Eligibility and Account Requirements

The Service is designed for licensed insurance agents, financial advisors, and financial professionals ("Agents"). By creating an account, you represent that:

  • You are at least 18 years of age
  • You are a licensed insurance agent or financial professional, or are authorized to use financial illustration tools in your jurisdiction
  • The information you provide during registration is accurate and complete
  • You will maintain the security of your account credentials

2. Account Responsibility

  • You are responsible for all activity that occurs under your account
  • You must not share your login credentials with others
  • You must notify us immediately if you suspect unauthorized access to your account
  • We reserve the right to suspend or terminate accounts that violate these Terms

3. Acceptable Use

You agree to use the Service only for lawful purposes related to financial illustration, comparison, and analysis. You agree NOT to:

  • Enter client data without the client's knowledge and appropriate consent
  • Use the Service to generate misleading or deceptive financial illustrations
  • Present projections generated by the Service as guaranteed outcomes
  • Reverse-engineer, decompile, or attempt to extract the source code of the Service
  • Use automated tools to scrape, crawl, or bulk-extract data from the Service
  • Attempt to access other users' accounts or data
  • Upload malicious files or attempt to compromise the Service's security
  • Use the Service in any way that violates applicable insurance regulations in your jurisdiction
  • Resell, sublicense, or redistribute access to the Service without our written consent

4. Client Data Obligations

Critical: As an Agent using this Service, you are the data controller for your clients' personal and financial information. You are responsible for complying with all applicable privacy laws and professional regulations regarding client data.
  • You must have appropriate consent or authorization from your clients before entering their personal or financial information into the Service
  • You are responsible for the accuracy of client data you enter
  • You must comply with all applicable state and federal privacy regulations regarding client financial data
  • You must inform clients that their data is stored on a cloud-based platform
  • You must delete client data from the Service when requested by the client or when no longer needed for a legitimate business purpose
  • If you are subject to Gramm-Leach-Bliley Act (GLBA) requirements, you must ensure your use of the Service complies with your GLBA obligations

5. Financial Disclaimer

THE SERVICE IS AN EDUCATIONAL AND ILLUSTRATIVE TOOL ONLY. IT DOES NOT PROVIDE FINANCIAL, TAX, LEGAL, OR INVESTMENT ADVICE.
  • All projections, comparisons, and calculations generated by the Service are based on assumed rates and hypothetical scenarios
  • Projections are NOT guarantees of future performance
  • Actual policy values, investment returns, and tax outcomes will differ from projections
  • Historical S&P 500 returns used in the Service do not guarantee future results
  • Whole Life and IUL projections are approximations based on user-provided assumptions — actual policy values come from carrier illustrations
  • Death benefit estimates are approximations and should not be relied upon — refer to the actual policy illustration from the insurance carrier
  • Tax calculations are simplified and do not account for all possible tax situations — clients should consult a qualified tax professional
  • The Service does not recommend any specific financial product, carrier, or strategy
  • Agents are solely responsible for the suitability of any recommendations they make to their clients

6. Intellectual Property

6.1 Our Intellectual Property

The Service, including its design, code, calculation engines, user interface, documentation, and branding, is owned by Infinite Advantage and protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service.

6.2 Your Content

You retain ownership of all data you enter into the Service (client information, templates, saved comparisons, notes). By using the Service, you grant us a limited license to store, process, and display your data solely for the purpose of providing the Service to you.

6.3 Feedback

If you provide suggestions, feedback, or ideas for improving the Service, you grant us a non-exclusive, royalty-free license to use that feedback to improve the Service.

7. Service Availability

  • We strive to maintain the Service's availability but do not guarantee uninterrupted access
  • We may perform scheduled maintenance that temporarily impacts availability
  • We reserve the right to modify, suspend, or discontinue features of the Service with reasonable notice
  • We are not liable for any loss or damage resulting from Service downtime or unavailability

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INFINITE ADVANTAGE SHALL NOT BE LIABLE FOR:

  • Any financial losses resulting from decisions made based on projections generated by the Service
  • Inaccuracies in market rate data fetched from third-party sources
  • Errors in calculations resulting from incorrect user inputs
  • Any indirect, incidental, consequential, special, or punitive damages
  • Loss of data, revenue, profits, or business opportunities
  • Actions taken by insurance carriers, regulatory bodies, or tax authorities

Our total aggregate liability for any claims arising from or related to the Service shall not exceed the total amount you paid us for the Service in the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Infinite Advantage, its owners, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any applicable law or regulation
  • Any claim by a third party (including your clients) related to data you entered into the Service
  • Financial illustrations or recommendations you provide to your clients using the Service

10. Subscription and Payment

Access to the Service may require a paid subscription. Subscription terms, pricing, and billing details will be provided at the time of purchase. We reserve the right to change pricing with 30 days' notice to existing subscribers.

11. Account Termination

11.1 By You

You may request termination of your account at any time by contacting us. Upon termination, your data will be deleted in accordance with our Privacy Policy.

11.2 By Us

We may suspend or terminate your account if:

  • You violate these Terms
  • Your account is used for fraudulent or illegal purposes
  • You fail to pay applicable subscription fees
  • We are required to do so by law or regulation

We will make reasonable efforts to notify you before termination except in cases of fraud, legal obligation, or security risk.

12. Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through:

  • Good faith negotiation between the parties
  • If negotiation fails, binding arbitration under the rules of the American Arbitration Association
  • Arbitration shall take place in the state of Texas
  • Each party bears its own costs unless the arbitrator determines otherwise

13. Governing Law

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

14. Modifications to Terms

We may modify these Terms at any time. Material changes will be communicated via email or prominent notice on the Service at least 30 days before taking effect. Your continued use of the Service after the effective date of changes constitutes acceptance.

15. Severability

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

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Infinite Advantage regarding the Service.

17. Contact Us

For questions about these Terms: