Terms of Service

1. Acceptance of these Terms

NetEnroll (the “Platform”) is operated by PVN LLC, a Florida limited liability company (“PVN,” “we,” “us,” or “our”). These Terms of Service (the “Terms”) form a binding agreement between PVN and the person or entity that registers for or uses the Platform (“you,” “Agent,” or “Agency”).

By creating an account, submitting a payment, accepting a routed call, or otherwise using the Platform, you agree to these Terms and to our Privacy Policy and TCPA & Compliance Policy, each incorporated here by reference. If you do not agree, do not use the Platform.

If you accept these Terms on behalf of a business entity, you represent that you have authority to bind that entity, and “you” refers to that entity.

2. Definitions

• Application — an insurance application you complete and submit for a consumer arising from a Call, recorded against your account with the carrier, policy or submission number, and applicant details.
• Billable Application — an Application that satisfies the eligibility criteria in Section 5.2 and for which a fee becomes due.
• Call — an inbound telephone call routed to you through the Platform.
• Program — a product line for which Calls are made available, such as Final Expense, Medicare Advantage & Supplement, or ACA Health Insurance, each carrying its own per-Application rate.
• Consumer — an individual who contacts, or is connected to, an Agent through the Platform.
• Consumer Data — personal information relating to a Consumer that is transmitted, generated, or recorded through the Platform.
• Platform — the NetEnroll websites, agent portal, administrative portal, call routing, messaging, reporting, and related services.

3. Eligibility and accounts

3.1 Licensing and authority are your responsibility

We do not ask for a producer number, we do not verify licensing, and we do not check producer registries. Access to the Platform is not conditioned on our confirming that you hold any license or appointment.

You are solely responsible for holding and maintaining whatever licenses, appointments, and authority applicable law requires for the business you conduct, in every state where you accept Calls or transact business. Soliciting or selling insurance without the required authority may violate state law. Nothing in these Terms relieves you of that obligation, and nothing here should be read as advice that it does not apply to you.

You select the states in which you wish to receive Calls. That selection controls routing only. It is not a representation by us that you are authorized in those states, and we do not check.

3.2 Registration and account security

• You must be at least 18 years old and provide accurate, complete registration information.
• You are responsible for all activity occurring under your account and for safeguarding your credentials.
• Accounts are for a single producer or agency. Credentials may not be shared, sold, or transferred.
• You must notify us promptly at the contact details in Section 18 if you suspect unauthorized use.

3.3 Agencies and sub-accounts

An Agency that enrolls producers is responsible for those producers' compliance with these Terms, for their licensure, and for all fees incurred under its account.

4. The services

4.1 What we provide

Subject to these Terms, we provide access to the Platform, route inbound Calls to available Agents matched to the Consumer's state, record Call and Application activity against your account, and make reporting available to you.

4.2 What we do not provide

• No volume guarantee. We do not guarantee any number of Calls, any Call quality, any conversion rate, any Application volume, or any level of commissions or income.
• No employment or agency relationship. You are an independent contractor. Nothing here creates an employment, partnership, joint venture, or franchise relationship, and neither party may bind the other.
• No insurance, legal, tax, or compliance advice. We are not an insurer, insurance producer, or law firm. Information on the Platform is not legal or compliance advice, and you remain responsible for your own regulatory obligations.
• No carrier appointment. We do not appoint you with, or represent, any insurance carrier.

4.3 Availability and changes

We may modify, suspend, or discontinue any part of the Platform, including Programs and features, at any time. We will make reasonable efforts to give advance notice of material changes that adversely affect paid Programs. The Platform is provided on an as-available basis and may be interrupted for maintenance, upgrades, third-party outages, or events outside our control.

5. Fees, billing and payment

5.1 Per-application pricing

Billing is tied to submitted Applications rather than to delivered Calls. There is no separate charge for receiving a Call, for speaking with a Consumer, or for the duration of a conversation. Rates in effect as of the date above are:

Rates are subject to change. The rate that applies to your account is the rate displayed for your Program at the time of purchase and confirmed at checkout. There is no monthly subscription and no separate charge for account access.

5.2 Eligibility of an application

A fee becomes due for a Billable Application. An Application is not billable where it is duplicative of an Application already recorded for the same Consumer and Program, was not generated from a Call routed through the Platform, was submitted for a Consumer who did not consent to the contact, or was fabricated, falsified, or submitted for the purpose of generating or avoiding a charge.

5.3 Payment

Payments are processed by Stripe, Inc. Card details are entered on Stripe's systems and are not collected or stored by PVN. You authorize us and our payment processor to charge the payment method you provide for all amounts due. You are responsible for any taxes other than taxes on our net income.

5.4 Refunds, disputes and non-payment

• Purchased Application credits are generally non-refundable except where required by law or expressly agreed by us in writing.
• If you believe an Application was billed in error, you must notify us within 30 days of the charge, with the policy or submission number and applicant details, so that we can investigate.
• Initiating a chargeback without first contacting us is a breach of these Terms. We may suspend routing and recover related fees and costs.
• We may suspend or terminate access for non-payment, and you remain liable for amounts already incurred.

5.5 Application replacement credit

If a policy arising from an Application does not take effect because the applicant fails to make the first premium payment, and you therefore earn no commission on it, we will credit your account with one additional Application at no charge on the same Program.

How to claim it

• Notify us within 60 days of the date you learn the first premium was not paid.
• Identify the original Application by policy or submission number, applicant name, and date of submission.
• Provide carrier documentation showing that the first premium was not paid and that no commission was earned — for example a notice of lapse, a not-taken notice, or a commission chargeback statement.

What the credit is

• A credit toward a future Application on the same Program. It is not a refund, it is not redeemable for cash, and it has no cash value.
• Available only where the fee for the original Application was paid in full and was not refunded or charged back.
• Applied to your account once we have confirmed the carrier documentation.

We may decline a claim where the documentation does not show that the first premium went unpaid, where the Application has already been replaced, or where we reasonably determine that the Application was not genuine. This credit is the sole remedy for a policy that does not take effect, and it does not otherwise affect Section 5.4.

6. Acceptable use

You agree that you will not, and will not permit any other person to:

• Use the Platform for any unlawful purpose, or in violation of the Telephone Consumer Protection Act, state telemarketing or do-not-call laws, insurance regulations, CMS marketing rules, or carrier requirements.
• Resell, sublicense, redistribute, broker, or otherwise transfer Calls, Consumer Data, or Platform access to any third party without our prior written consent.
• Misrepresent your identity, licensure, appointments, or affiliation, or represent yourself as acting for PVN, a carrier, a government program, Medicare, or the Health Insurance Marketplace.
• Submit false, duplicative, or inflated Applications, or otherwise manipulate billing or reporting.
• Contact a Consumer for any purpose other than the Program for which the Call was routed, or retain or reuse Consumer Data after your account is closed except as required by law or carrier recordkeeping obligations.
• Copy, scrape, crawl, harvest, frame, mirror, reverse engineer, decompile, or create derivative works from the Platform or its underlying software.
• Probe, scan, or test the vulnerability of the Platform, breach or circumvent authentication or rate limits, or access data not intended for you, including another Agent's data.
• Introduce malware, or use the Platform to transmit unsolicited or unlawful communications.
• Use automated means to access the Platform other than through interfaces we provide, or impose an unreasonable load on our infrastructure.

We may investigate suspected violations and may suspend access immediately where we reasonably believe conduct threatens the Platform, another user, a Consumer, or our legal or regulatory position.

7. Compliance responsibilities

7.1 Your obligations

You act as an independent producer and are solely responsible for the lawfulness of your own conduct. Without limiting Section 6, you agree that you will:

• Hold and maintain whatever licenses, appointments, and authority applicable law requires for the business you conduct. We neither verify this nor require evidence of it, which leaves the obligation entirely with you.
• Comply with the TCPA, the Telemarketing Sales Rule, applicable state telemarketing statutes, and our TCPA & Compliance Policy, including do-not-call and consent-revocation obligations.
• Comply with applicable federal and state rules governing the marketing and sale of the products you sell, including CMS marketing and Scope of Appointment requirements where they apply.
• Obtain any consent required in your jurisdiction before recording or monitoring a call.
• Handle Consumer Data in accordance with applicable privacy and data security law, use it only to service the Consumer's inquiry, and protect it with reasonable safeguards.
• Accurately represent products, carriers, premiums, and benefits, and submit Applications truthfully.
• Promptly forward to us any complaint, regulatory inquiry, demand, or litigation relating to a Call or Consumer routed through the Platform.

7.2 Allocation of TCPA and do-not-call responsibility

Responsibility for compliance with the Telephone Consumer Protection Act, the Telemarketing Sales Rule, and federal and state do-not-call rules is allocated between the parties according to which party controls the communication.

What we are responsible for

PVN is responsible for its own compliance with those laws in respect of conduct within our control, which includes:

• the manner in which consent is obtained, disclosed, recorded, and retained for Consumer inquiries we source;
• our scrubbing of those records against the National Do Not Call Registry, applicable state registries, and our internal do-not-call list;
• calls, text messages, and other communications that we originate, whether to Consumers or to Agents;
• the dialing, routing, and messaging systems we operate; and
• the acts and omissions of vendors acting on our behalf and under our direction.

Where a violation of the TCPA or of do-not-call rules arises out of that conduct, PVN accepts responsibility for it and will indemnify you on the terms in Section 14.2.

What you are responsible for

Once a Call is connected to you or Consumer Data is delivered to your account, you are the caller and the sender for every subsequent communication you make. We have no control over, and no ability to supervise, whether, when, how often, by what technology, or with what content you contact a Consumer. You are responsible for your own compliance from that point, including:

• any call, text message, voicemail, ringless voicemail, or email you originate, including any recontact or follow-up campaign;
• your use of any dialer, automated telephone dialing system, prerecorded or artificial voice, or AI-generated voice;
• your handling of a revocation of consent that a Consumer communicates to you directly, by any reasonable means;
• your maintenance of, and adherence to, your own internal do-not-call list;
• your observance of permitted calling hours in the Consumer's time zone; and
• the caller identification you transmit.

Where a violation arises out of that conduct, you accept responsibility for it and will indemnify PVN on the terms in Section 14.1.

Neither party answers for the other

Nothing in this Section makes either party liable for the acts or omissions of the other. Delivering a Call or Consumer Data to you is not a representation that any particular contact you subsequently make is lawful, and your compliance obligations are independent of ours. Each party's responsibility is limited to conduct within its own control as described above.

8. Intellectual property

8.1 Our rights

The Platform, including its software, source code, user interfaces, design, layout, graphics, text, reports, documentation, databases, and the compilation and organization of the foregoing, is owned by PVN LLC or its licensors and is protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. All rights not expressly granted are reserved.

NetEnroll, the NetEnroll wordmark and logo, and any other PVN LLC names, marks, or slogans are trademarks of PVN LLC. You may not use them without our prior written permission, and you may not use them in a manner likely to cause confusion or to suggest sponsorship or endorsement.

8.2 Your license

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform for the sole purpose of receiving Calls and submitting Applications in your own insurance business. This license terminates automatically when your account is terminated.

8.3 Your content and feedback

You retain ownership of content you submit. You grant PVN a non-exclusive, worldwide, royalty-free license to host, store, process, transmit, and display that content as necessary to operate the Platform and comply with law. If you send us suggestions or feedback, you grant PVN an unrestricted, perpetual, irrevocable, royalty-free right to use it without obligation or compensation to you.

8.4 Copyright complaints

If you believe material on the Platform infringes your copyright, send a notice with the elements required by 17 U.S.C. § 512(c)(3) to the address in Section 18.

9. Third-party services

The Platform depends on third parties, including payment processing (Stripe), telephony and messaging carriers, and cloud hosting providers. Your use of those services may be subject to their own terms. We are not responsible for the acts, omissions, availability, or content of third parties, and third-party outages may interrupt Calls, messaging, or billing. Links to third-party sites are provided for convenience and are not endorsements.

10. Confidentiality

Each party may receive non-public information of the other, including pricing, routing logic, reporting data, and Consumer Data. The receiving party will use such information only to perform under these Terms, will protect it with at least reasonable care, and will not disclose it except to personnel and advisors bound by comparable obligations or as required by law. This section does not apply to information that is or becomes public through no fault of the receiving party, was already lawfully known, or is independently developed. Consumer Data is additionally governed by the Privacy Policy and applicable law.

11. Term, suspension and termination

These Terms apply from your first use of the Platform until terminated. You may terminate at any time by closing your account and ceasing use. We may suspend or terminate your access, with or without notice, for breach of these Terms, non-payment, suspected fraud, regulatory or carrier requirement, or risk to the Platform or to Consumers.

On termination: your license under Section 8.2 ends; you must stop using the Platform; unpaid fees become immediately due; and unused Application credits are forfeited unless we agree otherwise in writing or law requires otherwise. Sections 5.4, 6, 7, 8, 10, and 12 through 17 survive termination.

12. Disclaimers

13. Limitation of liability

The caps and exclusions in this Section do not apply to either party's indemnification obligations under Section 14. A cap would otherwise make the responsibility each party accepts in Section 7.2 meaningless, and the carve-out applies equally in both directions.

14. Indemnification

14.1 Your indemnity to us

You will defend, indemnify, and hold harmless PVN LLC and its members, managers, officers, employees, and agents from and against any claim, demand, action, proceeding, loss, liability, damage, fine, penalty, settlement, cost, or expense (including reasonable attorneys' fees) arising out of or relating to:

• your use of the Platform or any Call or Consumer Data you receive;
• your breach of these Terms or of any representation you make in them;
• your violation of any law or regulation, including the TCPA, state telemarketing or do-not-call law, insurance regulation, or CMS marketing rules;
• your recording or monitoring of any call;
• any Application you submit, or any product you sell or attempt to sell; or
• your violation of the rights of any third party, including any Consumer.

14.2 Our indemnity to you

PVN will defend, indemnify, and hold harmless you and your officers, employees, and agents from and against any third-party claim, demand, action, proceeding, loss, liability, damage, fine, penalty, settlement, cost, or expense (including reasonable attorneys' fees) to the extent it arises out of PVN's own violation of the TCPA, the Telemarketing Sales Rule, or federal or state do-not-call rules in connection with conduct within PVN's control as described in Section 7.2.

This obligation does not apply to the extent a claim arises out of:

• any communication you originated, or the manner, timing, frequency, content, or technology of your outreach;
• your use or retention of Consumer Data after it was delivered to you;
• your breach of these Terms, including Section 7.1; or
• your own act or omission, or that of anyone acting on your behalf.

Where a claim arises partly from each party's conduct, each party is responsible for the portion attributable to its own conduct.

14.3 Procedure

A party seeking indemnity must notify the other promptly in writing, must not prejudice the defense, and must cooperate reasonably at the indemnifying party's expense. The indemnifying party controls the defense and settlement with counsel of its choosing, and the other party may participate with its own counsel at its own expense. Neither party may settle a claim in a way that imposes an obligation, admission, or payment on the other without that party's prior written consent, which will not be unreasonably withheld.

15. Dispute resolution

15.1 Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules, and by applicable federal law including the Federal Arbitration Act.

15.2 Informal resolution first

Before filing a claim, you agree to contact us at the address or telephone number in Section 18 and describe the dispute, and to allow 30 days for the parties to attempt a good-faith resolution. This step is a condition precedent to commencing arbitration.

15.3 Binding arbitration

Except as stated in Sections 15.5 and 15.6, any dispute arising out of or relating to these Terms or the Platform will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Arbitration will take place in St. Johns County, Florida, or by videoconference or on documents at the parties' election. The arbitrator has exclusive authority to resolve threshold questions of arbitrability. Judgment on the award may be entered in any court of competent jurisdiction.

15.4 Class action waiver

15.5 Exceptions

Either party may bring an individual action in small claims court, and either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property or confidential information. For any claim not subject to arbitration, the parties consent to exclusive jurisdiction and venue in the state or federal courts located in St. Johns County, Florida.

15.6 Your right to opt out of arbitration

You may opt out of Sections 15.3 and 15.4 by sending written notice, within 30 days of first accepting these Terms, to PVN LLC at the address in Section 18. The notice must include your name, the account email or telephone number, and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

15.7 Time limit

To the extent permitted by law, any claim must be filed within one (1) year after it arises, or it is permanently barred.

16. Changes to these Terms

We may revise these Terms from time to time. The “Last updated” date at the top reflects the most recent revision. For material changes we will provide reasonable notice, such as posting a notice on the Platform or contacting you using the details on your account, before they take effect. Continued use after the effective date constitutes acceptance. If you do not agree, stop using the Platform and close your account.

17. General provisions

• Entire agreement. These Terms, with the Privacy Policy and TCPA & Compliance Policy, are the entire agreement between the parties on this subject and supersede prior agreements and understandings.
• Assignment. You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, reorganization, or sale of assets.
• Severability. If a provision is held unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions remain in effect.
• No waiver. A failure to enforce a provision is not a waiver of it.
• Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including carrier outages, network failures, natural disasters, and government action.
• Notices. We may give notice by posting on the Platform or by using the contact details on your account. Notices to us must be sent to the address in Section 18.
• Electronic communications. You consent to receive communications from us electronically and agree that electronic records and signatures satisfy any legal writing requirement.
• Headings. Headings are for convenience only and do not affect interpretation.

18. Contact us

Questions about these Terms, billing disputes, and legal notices should be directed to: