Terms of Service

These Terms of Service (the "Terms") govern your access to and use of niaforinsurance.com and the Nia for Insurance platform (collectively, the "Service"), operated by Avatarpreneur Media Group LLC ("Avatarpreneur," "we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years of age to use the Service. Agent-facing features of the Service are available only to individuals who hold an active insurance producer license in good standing with the relevant state insurance department(s) and whose license is verified through the National Insurance Producer Registry (NIPR). Avatarpreneur reserves the right to verify eligibility at any time and to suspend or terminate access if eligibility lapses.

2. Account Registration

Certain features require account registration. You agree to provide accurate, current, and complete information; to keep your information up to date; and to maintain the confidentiality of your credentials. You are responsible for all activity that occurs under your account. Notify us immediately of any unauthorized use at support@niaforinsurance.com.

3. Nature of the Service — Not an Insurance Sale

Avatarpreneur does not sell, bind, quote, or issue insurance policies through this website. Avatarpreneur operates a technology platform that supports licensed insurance agents and provides educational information to the public. Any binding insurance transaction occurs solely between a licensed insurance agent and a consumer, governed by the applicable insurance carrier's forms and the laws of the consumer's state. Nothing on this website constitutes an offer to sell insurance.

4. AI Coach and Educational Content

The Service may include AI-powered conversational tools (including the "Nia Insurance Coach") and other educational content. These tools provide general educational information only and do not constitute insurance advice, legal advice, tax advice, financial advice, or a binding quote. AI outputs may be inaccurate, incomplete, or out of date. Do not rely on the AI Coach as a substitute for advice from a licensed insurance agent, attorney, accountant, or other qualified professional.

5. Acceptable Use

You agree not to:

• Use the Service in violation of any law, regulation, or third-party right
• Misrepresent your identity, licensure status, or affiliation
• Attempt to access non-public areas of the Service, bypass authentication, or reverse engineer any portion of the Service
• Use automated means to scrape, crawl, or harvest data from the Service without our prior written consent
• Upload or transmit malicious code, viruses, or content that is unlawful, infringing, defamatory, harassing, or fraudulent
• Use the Service to send unsolicited communications in violation of CAN-SPAM, TCPA, or any other applicable law

6. Intellectual Property

The Service, including all software, text, graphics, logos, and content (other than user-submitted content), is owned by Avatarpreneur or its licensors and is protected by intellectual property laws, including U.S. patent (AERO, patent pending) and trademark law (AVATARPRENEUR™). You receive a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose. No other rights are granted.

7. User Submissions

By submitting information, feedback, or other content to the Service (other than information governed by the Privacy Policy), you grant Avatarpreneur a worldwide, royalty-free, perpetual, sublicensable license to use, reproduce, and create derivative works from that content for the purpose of operating and improving the Service. You represent that you have the rights necessary to grant this license.

8. Third-Party Services

The Service may include links to or integrations with third-party websites, services, or content (including insurance carriers, payment processors, scheduling tools, and messaging providers). Avatarpreneur does not control and is not responsible for third-party services. Your use of any third-party service is governed by that provider's terms.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. AVATARPRENEUR DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS. AVATARPRENEUR DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF AI-GENERATED CONTENT OR THIRD-PARTY DATA.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL AVATARPRENEUR OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. AVATARPRENEUR'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID AVATARPRENEUR IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

11. Indemnification

You agree to defend, indemnify, and hold harmless Avatarpreneur, its officers, directors, employees, and affiliates from and against any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any third-party right or applicable law.

12. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms, lapse of insurance licensure, or cessation of the Service. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination will survive.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Sheridan, Wyoming. Either party may seek injunctive relief in court for intellectual-property infringement. You and Avatarpreneur waive any right to a jury trial and to participate in a class action.

14. Changes to These Terms

We may revise these Terms from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Material changes will be communicated by email or in-Service notice where required. Your continued use of the Service after the effective date of the revised Terms constitutes acceptance.

15. Contact

Avatarpreneur Media Group LLC
30 N Gould St Ste R
Sheridan, WY 82801
Email: legal@niaforinsurance.com