Terms of Service

To use the Service you must be at least 18 years old, capable of entering into a binding contract, and a licensed life insurance producer (or an authorized employee, contractor, or member of an agency that includes licensed producers). You agree to provide accurate, current, and complete information when you register for an account and to keep that information up to date.

You are responsible for safeguarding your account credentials and for any activity that occurs under your account. Notify us at legal@warmsunventures.com immediately if you believe your account has been compromised. We are not liable for losses caused by unauthorized use of your account where you have failed to safeguard your credentials.

Access to the Service requires an active subscription on one of our published plans. Pricing, features, and seat limits for each plan are described on the pricing page. We may offer a free trial period; at the end of the trial your subscription will renew automatically at the rate disclosed at signup unless you cancel before the trial ends.

Subscriptions renew monthly or annually depending on the plan you select. You authorize us (and our payment processor, Stripe) to charge your payment method on each renewal date until you cancel. You can cancel at any time from the billing settings inside the Service; cancellation takes effect at the end of the current billing period and does not entitle you to a pro-rated refund of fees already paid.

All fees are stated in U.S. dollars and are exclusive of applicable taxes, which we may collect where required. We may change subscription pricing on at least thirty (30) days' notice; price changes take effect on the next renewal cycle.

You agree not to:

• Use the Service in violation of any applicable federal, state, local, or international law, including state insurance regulations, the Telephone Consumer Protection Act (TCPA), CAN-SPAM, GDPR, CCPA, or HIPAA.
• Use the Service to send communications to recipients who have not provided express prior consent or who have opted out.
• Misrepresent your identity, your licensure status, or your authority to solicit insurance business in a given jurisdiction.
• Attempt to gain unauthorized access to the Service, any other user's account, or any of our infrastructure.
• Reverse engineer, decompile, or attempt to derive source code from the Service except where applicable law expressly permits it.
• Use the Service to upload, transmit, or store malware, illegal content, or content that infringes the rights of any third party.
• Resell, sublicense, or otherwise commercially exploit the Service without a written reseller agreement with us.

We may suspend or terminate your access without notice for conduct that we determine, in our sole discretion, violates these Terms or threatens the integrity of the Service for other users.

You retain all ownership rights in the prospect data, video presentations, documents, and other content you upload or generate inside the Service ("Your Content"). You grant us a non-exclusive, worldwide, royalty-free license to host, store, transmit, display, and process Your Content solely as needed to provide the Service to you and the people you authorize to view it.

You represent and warrant that you have all rights, consents, and authority necessary to upload Your Content and to grant the license above, and that Your Content does not infringe the rights of any third party. You are solely responsible for the legality of Your Content under the laws of every jurisdiction in which you operate.

By providing your email address or phone number when you register or update your profile, you consent to receive service-related communications from LifeRida — including but not limited to verification codes, billing notifications, security alerts, and product updates necessary to operate the Service. These communications are not promotional and continue for the duration of your account.

When we send a verification code by SMS, message and data rates may apply. You can stop receiving SMS at any time by replying STOP to any message; the carrier will confirm the opt-out and we will cease sending SMS to that number. Reply HELP for assistance. Opting out of SMS does not cancel your account — verification codes will still be available by email.

If you choose to send communications to your prospects through the Service (for example, sharing a video presentation), you are responsible for obtaining and documenting any consent required under applicable law (including TCPA and CAN-SPAM) and for honoring opt-out requests promptly.

The Service, the Website, and all content we provide — including but not limited to software, designs, text, graphics, logos, and trademarks — are owned by Warm Sun Ventures LLC or our licensors and are protected by U.S. and international intellectual property laws. The names "LifeRida" and "Warm Sun Ventures" and our logos are our trademarks and may not be used without our prior written permission.

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during the term of your subscription. No other rights are granted, expressly or by implication.

The Service relies on third-party providers to deliver specific functionality — for example, payment processing, infrastructure hosting, email and SMS delivery, video storage and content delivery, and (where you opt in) calendar and identity integrations. Your use of those features is also subject to the applicable third party's terms and privacy policy, and we do not control and are not responsible for their practices.

You may terminate your account at any time from the billing settings inside the Service. We may suspend or terminate your access immediately and without refund if (a) you breach these Terms, (b) you fail to pay subscription fees when due, (c) we are required to do so by law or by a regulator, or (d) we discontinue the Service. On termination, the licenses granted in these Terms end immediately and your access to Your Content within the Service ceases. We will, on request received within thirty (30) days of termination, provide a reasonable export of Your Content; after that window we may delete Your Content from our systems subject to our backup and retention practices.

You agree to indemnify, defend, and hold harmless Warm Sun Ventures LLC, its members, managers, employees, agents, and contractors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with (a) Your Content, (b) your use of the Service or the Website in violation of these Terms or applicable law, including TCPA / CAN-SPAM violations resulting from communications you direct us to send, or (c) your violation of any third party's rights.

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms, the Service, or the Website will be resolved exclusively in the state or federal courts located in Middlesex County, Massachusetts, and you consent to the personal jurisdiction and venue of those courts.

We may modify these Terms from time to time. If we make material changes, we will update the "Last updated" date above and, where required by law, give you advance notice (for example, by email to the address on your account). Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force. Our failure to enforce any provision is not a waiver of that provision. You may not assign these Terms without our prior written consent; we may assign these Terms to an affiliate or to a successor in connection with a merger, acquisition, or sale of substantially all of our assets. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements on the subject matter.

Questions about these Terms? Reach us at:

Warm Sun Ventures LLC (operator of LifeRida)
Email: legal@warmsunventures.com