AME Terms of Service

Effective Date: October 24, 2026

Last Updated: October 24, 2026

These Terms of Service (the "Terms") form a binding agreement between you and AME Networks, a California general partnership ("AME," "we," "us," or "our"), and govern your access to and use of the AME marketing service, the website amenetworks.com and its subdomains, and all related websites, content, emails, and features (together, the "Service").

By purchasing a subscription, checking the box at checkout, or using the Service, you confirm that you have read, understood, and agree to these Terms and to our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not purchase or use the Service.

PLEASE READ SECTION 4 (AUTOMATIC RENEWAL AND CANCELLATION) AND SECTION 20 (LIMITATION OF LIABILITY) CAREFULLY.

1. Definitions

"Client," "you," or "your" means the individual licensed insurance agent who purchases and holds an AME subscription.
"Client Content" means all information, text, photos, images, logos, and other materials you provide to AME, including your name, contact details, license information, biography, and photos.
"Generated Content" means websites, recruiting pages, Facebook covers, social media posts, emails, and other materials that AME creates for you, in whole or in part, using automated tools including artificial intelligence.
"Leads" means individuals who submit their information through a form on a website or recruiting page that AME hosts for you, and the information they submit.
"Social Accounts" means the Facebook Page and Instagram account used to publish your posts.
"Plan" means the subscription tier you purchase, as described in Section 3.

2. Eligibility and Accounts

2.1 Licensed agents only. The Service is available only to individuals who are at least 18 years old and hold a valid, active insurance producer license in each state in which they advertise through the Service. Each account may be held only by the licensed agent it is for, using that agent's own email address. Accounts may not be shared, transferred, or resold.

2.2 License maintenance and verification. You must keep your license active for as long as you use the Service and must notify us within 5 business days if your license lapses, is suspended, or is revoked in any state. We may ask you to confirm your license status periodically, generally twice per year. We may suspend or terminate your account if you do not respond within 14 days or if we cannot verify that your license is active.

2.3 Accurate information. You agree to provide accurate, current, and complete information during setup and to update it promptly when it changes, including your name, phone number, email address, business address, license number, NPN, and licensed states. You are responsible for any errors in Generated Content that result from inaccurate information you provided.

2.4 Account security. You are responsible for keeping any login credentials and review links we send you confidential and for all activity that occurs through them. Notify us immediately at [email protected] if you believe your account or links have been used without your permission.

3. The Service and Plans

3.1 Digital Presence Plan. The Digital Presence Plan includes:

a website created for you and hosted by AME on a subdomain of amenetworks.com, including a quote request form;
a Facebook cover image designed to match your website;
creation of a new Facebook Page and Instagram account for you, or connection of your existing accounts, as described in Section 10;
two (2) social media posts per week, published to your Social Accounts;
delivery of each Lead to your contact list in your client account, an instant email to the Lead sent in your name, an instant alert to you, a reminder to you 24 hours later, and one educational follow-up email per month to the Lead for twelve (12) months; and
a client login with access to your contacts.

3.2 Business Builder. The Business Builder Plan includes everything in the Digital Presence Plan, plus a recruiting page hosted by AME for individuals interested in becoming licensed insurance agents on your team, including a contact form, and one (1) recruiting-focused post per month that replaces one of your regular posts that month.

3.3 Changes to the Service. We may add, change, or remove features of the Service from time to time. If we make a change that materially reduces the core features of your Plan, we will notify you at least 30 days in advance, and you may cancel before the change takes effect.

3.4 No guaranteed results. AME provides marketing tools and content. We do not guarantee any number of Leads, appointments, sales, policies, commissions, recruits, followers, engagement, search rankings, or any other business or financial result. Results depend on many factors outside our control, including your market, your follow-up, and third-party platforms.

4. Fees, Automatic Renewal, and Cancellation

4.1 Fees. The Digital Presence Plan is $39.99 per month and the Business Builder Plan is $49.99 per month, plus any applicable taxes, unless a different price was shown to you at checkout. Prices are in U.S. dollars.

4.2 Automatic renewal. Your subscription renews automatically each month on the same calendar day as your first payment, and your payment method will be charged the then-current monthly fee for your Plan, until you cancel. You authorize AME and its payment processor to charge your payment method on each renewal date.

4.3 How to cancel. You may cancel at any time, online, through the customer portal link included in every AME email, or by emailing [email protected] or replying to any AME email with your request to cancel. Cancellation takes effect at the end of your current billing period unless you qualify for a refund under Section 4.4, in which case it takes effect immediately.

4.4 Refunds. If you cancel within seven (7) days after your first payment, you will receive a full refund of that payment. Except as stated in this Section or required by law, all fees are non-refundable, including for partial months, unused posts, or periods in which you did not use the Service.

4.5 Failed payments. If a payment fails, our payment processor will retry the charge and email you a link to update your payment method. If the final retry fails, your subscription will be canceled and Section 15 will apply.

4.6 Price changes. We may change the price of a Plan by giving you at least 30 days' notice by email. The new price applies starting with your first renewal after the notice period. If you do not agree to the new price, you may cancel before it takes effect.

4.7 Taxes. You are responsible for all sales, use, and similar taxes associated with your subscription, other than taxes based on AME's income.

5. How Generated Content Is Created

5.1 Automated creation. Generated Content is written and designed using automated tools, including artificial intelligence, based on Client Content and our content guidelines. Generated Content is checked against our automated content rules before it is published. AI-generated material can contain errors, and similar wording or design elements may appear in content created for other clients.

5.2 Post review. By the 20th of each month, we will make the following month's posts available for your review through a private review link. You may approve, regenerate, or skip each post until 11:59 p.m. in your time zone on the 25th of that month (the "Review Deadline"). Any post that you have not approved, regenerated, or skipped by the Review Deadline will be approved automatically and scheduled.

5.3 Autopilot. You may choose Autopilot, in which case your posts are approved automatically without review, and we will notify you when they are scheduled. You may switch Autopilot on or off at any time; changes apply to posts not yet approved.

5.4 Regenerations and edits. Your Plan includes two (2) post regenerations per calendar month. Unused regenerations do not roll over. AME does not make manual edits to individual posts, websites, recruiting pages, or covers, except to correct factual information you provided (such as your phone number or license number) or to comply with law or platform rules.

5.5 Our right to modify or withhold content. We may rewrite, delay, or decline to publish any Generated Content that fails our content rules, may violate law or platform policies, or that we reasonably believe could harm you, AME, or others.

5.6 Publishing schedule. Posts are scheduled to publish on Tuesdays and Fridays at approximately 10:00 a.m. in your time zone. Exact publishing times depend on the Social Accounts' platforms and may vary.

6. Posting Authorization

By using the Service, you authorize AME and its service providers to create, publish, schedule, and remove content on your behalf on your AME-hosted website and recruiting page and on your Social Accounts, and to send emails in your name to Leads, in each case as described in these Terms. This authorization continues until your subscription ends or you remove our access to your Social Accounts.

7. Your Responsibilities and Compliance

7.1 Advertising rules. You are solely responsible for ensuring that your use of the Service and the content published for you complies with all laws, regulations, and rules that apply to you, including the advertising and marketing rules of your state insurance departments, the insurance carriers you represent, and any agency, marketing organization, or upline you work with.

7.2 Required disclaimers. You must tell us in writing, before your website and posts go live and whenever they change, about any disclaimer, disclosure, required wording, or restriction that applies to your advertising. We will add the disclaimer you provide to your website, lead emails, and posts where our systems allow.

7.3 Review. You agree to review your website, recruiting page, and posts and to notify us promptly at [email protected] of anything that is inaccurate or does not comply with rules that apply to you.

7.4 Communications with Leads. You are responsible for your own calls, texts, and other contact with Leads, including compliance with telemarketing, do-not-call, and consent laws. Our forms request each Lead's consent to be contacted by you by phone and email; you are responsible for contacting Leads only as permitted by that consent and applicable law.

7.5 No professional advice from AME. AME does not provide insurance, legal, regulatory, compliance, tax, or financial advice. Content created by AME is general marketing and educational material and is not a recommendation of any insurance product.

7.6 Recruiting content. If you use the Business Builder Plan, you agree that recruiting content published for you will not include income, earnings, or financial-outcome claims, and you will not ask us to add them. Recruiting content describes the path to becoming a licensed agent and invites interested individuals to contact you.

8. Client Content and License

8.1 Ownership. As between you and AME, you own your Client Content.

8.2 License to AME. You grant AME and its service providers a non-exclusive, worldwide, royalty-free license to use, copy, store, modify, adapt, and display your Client Content as needed to provide, improve, and secure the Service, including to create Generated Content. This license ends when your subscription ends, except for copies kept in backups or as required by law, and except that AME may retain records as described in our Privacy Policy.

8.3 Your warranties. You represent and warrant that you own or have all necessary rights to your Client Content, including written permission from any person who appears in photos you provide, and that our use of it as permitted by these Terms will not infringe anyone's rights or violate any law.

8.4 Stock images. AME may use licensed stock photographs in Generated Content, including where your photos are unsuitable or not provided. Stock images are licensed to AME for use in the Service and may not be copied or used outside it.

9. Websites and Hosting

9.1 Your website and, if applicable, your recruiting page are hosted by AME on subdomains of amenetworks.com (for example, firstname-lastname.amenetworks.com). AME owns the amenetworks.com domain, the subdomains, and the website designs, templates, and code.

9.2 Your website and recruiting page will be taken offline when your subscription ends. We do not transfer websites, designs, or subdomains to clients.

9.3 We may refresh, rebuild, or redesign your website from time to time to improve the Service or maintain security, while keeping your business information.

10. Social Accounts

10.1 Accounts created by AME. Unless you choose to use existing accounts, AME will create a Facebook Page and Instagram account for you and manage them through AME's Meta Business account. Newly created Instagram accounts are generally warmed up for 3 to 5 days before the first post. If your subscription ends, upon your written request within 30 days after the end of your subscription, AME will transfer administrative control of the Facebook Page and Instagram account to you where the platforms allow it. If you do not request a transfer within that period, AME may unpublish or delete those accounts.

10.2 Your existing accounts. If you choose to use your existing Facebook Page and Instagram account, you will approve AME's access through Meta's business tools, generally during a short setup call. AME will never ask for, collect, or store your social media passwords. You remain the owner of your accounts and may remove AME's access at any time, but posting will stop if you do.

10.3 Platform rules. Your Social Accounts are subject to the terms and policies of Meta and any other platform involved. AME is not responsible for platform outages, policy changes, reduced reach, account restrictions, or account suspensions imposed by a platform.

11. Missed or Delayed Posts

AME will not provide credits or refunds for posts that are not published or are published late because a Social Account was disconnected or restricted, your access approval was removed or not completed, your setup was not finished, information or photos were not provided, or a third-party platform was unavailable or rejected the post.

12. Leads

12.1 Leads submitted through your AME-hosted website or recruiting page belong to you. AME processes Lead information on your behalf to deliver the Service, as described in our Privacy Policy.

12.2 Lead follow-up emails are sent in your name and include an unsubscribe link. AME will honor unsubscribe requests and may stop sending emails to a Lead who unsubscribes, marks an email as spam, or whose address bounces.

12.3 When your subscription ends, AME will email you an export of your Leads. AME will then delete Lead information as described in our Privacy Policy.

13. Referral Program

13.1 AME may provide you a personal referral link. For each new client who signs up through your link and remains an active, paying client, you will earn a referral credit of $5.00 per month, beginning after that client has completed their first seven (7) days of service and continuing for as long as both you and that client remain active, paying clients.

13.2 Referral credits are applied to your next AME invoice. If your credits for a month exceed your monthly fee, AME will pay the excess to you by the 5th day of the following month, by a method AME selects.

13.3 Credits are earned only for clients you refer directly; no credit is earned for clients referred by the people you refer. Self-referrals, referrals of accounts you control, duplicate accounts, and referrals obtained through spam, misleading statements, or paid advertising that uses the AME name are not eligible, and AME may reverse credits earned that way.

13.4 The referral program is a customer discount program. It is not an employment relationship, a business opportunity, or an offer of income, and you may not describe it as one. AME may change or end the referral program with 30 days' notice by email. Credits already earned before the change will be honored.

14. Acceptable Use

You agree not to, and not to allow others to:

use the Service for any unlawful, false, misleading, or deceptive purpose, including income or earnings claims or misrepresentations about insurance products;
provide content that is defamatory, obscene, hateful, harassing, or that infringes the rights of others;
upload or submit another person's personal information without authorization;
interfere with, disrupt, probe, scan, or attempt to gain unauthorized access to the Service, its systems, or other clients' accounts or data;
submit fake Leads or automated form submissions, or use the Service to send unsolicited messages; or
copy, resell, sublicense, reverse engineer, or create derivative works of the Service except as permitted by law.

15. Suspension and Termination

15.1 By you. You may cancel as described in Section 4.3.

15.2 By AME. AME may suspend or terminate your access to the Service, immediately and without refund, if you breach these Terms, if your license cannot be verified or is not active, if your payment fails as described in Section 4.5, or if your use of the Service creates legal, security, or reputational risk to AME or others. Where practical, AME will notify you and give you a reasonable opportunity to correct the issue first. AME may also terminate the Service for convenience with 30 days' notice, in which case it will refund any prepaid fees for the period after termination.

15.3 Effect of termination. When your subscription ends for any reason: scheduled posts will be removed; your website and recruiting page will be taken offline; AME's access to your existing Social Accounts will be removed; Social Accounts created by AME will be handled as described in Section 10.1; and AME will email you an export of your Leads. Sections 7, 8.3, 12.3, 16 through 23, and any other provisions that by their nature should survive, will survive termination.

16. Third-Party Services

The Service relies on third-party services, including hosting, email delivery, customer relationship management, automation, payment processing, artificial intelligence, stock photography, and social media platforms. AME is not responsible for the availability, performance, policies, or actions of third-party services, and your use of them may be subject to their terms.

17. Intellectual Property

Except for your Client Content, AME and its licensors own all rights, title, and interest in and to the Service, including its software, systems, templates, designs, prompts, workflows, and the AME name and marks. Subject to these Terms and your payment of fees, AME grants you a limited, non-exclusive, non-transferable, revocable right to use the Service and to display the Generated Content created for you during your subscription. You may not use AME's name or marks without our written permission.

18. Feedback

If you send us suggestions or feedback about the Service, you agree that we may use them without restriction or compensation to you.

19. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE AND ALL GENERATED CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OR ERROR-FREE OPERATION. AME DOES NOT WARRANT THAT GENERATED CONTENT WILL BE ACCURATE, COMPLETE, ORIGINAL, OR COMPLIANT WITH THE RULES THAT APPLY TO YOU, OR THAT THE SERVICE WILL PRODUCE ANY PARTICULAR RESULT.

20. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL AME, ITS OWNERS, MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, COMMISSIONS, REVENUE, BUSINESS, GOODWILL, OR DATA, OR FOR REGULATORY FINES OR PENALTIES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, AME'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE TOTAL FEES YOU PAID TO AME DURING THE THREE (3) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

21. Indemnification

You agree to defend, indemnify, and hold harmless AME and its owners, members, officers, employees, contractors, and agents from and against any claims, damages, losses, liabilities, fines, penalties, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to: (a) your Client Content; (b) inaccurate information you provided; (c) your breach of these Terms; (d) your violation of any law, regulation, or advertising rule, including insurance, telemarketing, and consent rules; or (e) your contact with or treatment of Leads.

22. Dispute Resolution and Governing Law

22.1 Informal resolution. Before filing any claim, you and AME agree to try to resolve the dispute informally by contacting the other party in writing. Notices to AME must be sent to [email protected]. If the dispute is not resolved within 30 days, either party may proceed under Section 22.2.

22.2 Governing law and venue. These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Los Angeles County, California, and each party consents to the personal jurisdiction of those courts. Either party may bring an individual claim in small claims court if it qualifies.

22.3 Individual claims. To the fullest extent permitted by law, each party may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

23. General

23.1 Changes to these Terms. We may update these Terms from time to time. If we make material changes, we will email you at least 30 days before they take effect and update the "Last Updated" date above. Your continued use of the Service after the changes take effect means you accept them. If you do not agree, you may cancel before they take effect.

23.2 Electronic communications. You consent to receive notices, agreements, and other communications from AME electronically, by email to the address on your account. Electronic communications satisfy any legal requirement that communications be in writing.

23.3 Entire agreement. These Terms, together with our Privacy Policy and any order details shown at checkout, are the entire agreement between you and AME regarding the Service and replace any prior agreements or communications on that subject.

23.4 Severability. If any provision of these Terms is found unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain in full effect.

23.5 No waiver. AME's failure to enforce any right or provision is not a waiver of that right or provision.

23.6 Assignment. You may not assign or transfer these Terms or your account without AME's written consent. AME may assign these Terms in connection with a merger, acquisition, reorganization, or sale of all or part of its business or assets.

23.7 Force majeure. AME is not liable for any delay or failure to perform caused by events beyond its reasonable control, including outages of third-party services, internet or utility failures, natural disasters, government actions, or labor disputes.

23.8 Relationship. You and AME are independent contractors. Nothing in these Terms creates a partnership, joint venture, employment, agency, or franchise relationship between you and AME.

23.9 Headings. Section headings are for convenience only and do not affect interpretation.

24. Contact Us

AME Networks, a California general partnership

Email: [email protected]

Website: amenetworks.com