1. WHO WE ARE

The website at thefrankplan.com and related pages, emails, and tools ("Services") are operated by Stallion Leads ("Company," "we," "us," "our") under the brand name The Frank Plan. Mailing address available upon request. Contact: Info@thefrankplan.com.

We act solely as a marketing agency. We are not licensed insurance agents or brokers and do not provide insurance advice.

2. ACCEPTANCE OF TERMS

By accessing or using the Services, you agree to these Terms and to our Privacy and Cookie Policies. If you do not agree, do not use the Services. We may update these Terms at any time by posting a revised date above. Continued use after updates means you accept the changes.

3. ELIGIBILITY

You must be at least 18 (or the age of majority in your region). If you create an account, you are responsible for all activity that occurs under it.

4. WHAT WE DO; NO PROFESSIONAL ADVICE

Content and tools are for general educational purposes only and may be incomplete, inexact, or outdated. We do not provide legal, tax, medical, financial, or insurance advice. We do not bind coverage or quote rates. No advisor-client, broker-client, or attorney-client relationship is created by your use. Consult qualified professionals before acting.

5. LEADS, REFERRALS, AND COMPENSATION DISCLOSURE

We generate and sell or share leads to licensed insurance brokers, providers, and their agents ("Authorized Partners"). By submitting a form, you authorize us to transmit, sell, or share your information with Authorized Partners so they may contact you directly.

We may be compensated when you click links, submit a form, request information, or purchase services ("Paid Placements"). Compensation may influence placement or presentation and does not constitute endorsement. We do not guarantee approval, pricing, availability, coverage, or outcomes.

6. CONSENT TO CONTACT; ELECTRONIC COMMUNICATIONS

By providing your contact details and checking the required consent box, you agree that:

• The Frank Plan may contact you by phone, text/SMS, or email, which may include use of autodialers or prerecorded messages.
• We may sell or share your information with Authorized Partners, who may also contact you directly by phone, text/SMS, or email about insurance quotes and related offers.
• Your consent is not required as a condition of purchase and may be withdrawn at any time.
• Message frequency may vary. Standard message/data rates may apply.
• To opt out of texts, reply STOP; for emails, use the unsubscribe link; or follow the opt-out instructions provided by Authorized Partners.
• Carriers are not liable for delayed or undelivered messages. Program supported on major carriers; not all carriers may support the program.
• Canadian users: By checking the consent box, you expressly consent under Canada's Anti-Spam Legislation (CASL) to receive these communications. You may withdraw consent at any time.

Once your information is shared, Authorized Partners act as independent businesses and are solely responsible for their own communications and compliance with applicable laws, including the U.S. Telephone Consumer Protection Act (TCPA), Do-Not-Call rules, CASL, and other telemarketing laws.

7. THIRD-PARTY PROVIDERS AND LINKS

Third-party providers are independent and not controlled by us. Their products and services are governed by their own terms and privacy policies. We are not responsible for third-party acts, omissions, or offers.

8. INTELLECTUAL PROPERTY

All content, design, trademarks, text, graphics, software, and data in the Services are owned by us or our licensors. You are granted a limited, revocable, non-transferable license for personal, non-commercial use only. All other rights are reserved.

9. ACCEPTABLE USE

You agree not to misuse the Services. Prohibited conduct includes violating laws, infringing intellectual property, bypassing security, uploading malware, overloading infrastructure, scraping or harvesting data, or using Service content to train AI/ML models without our written consent.

10. USER CONTENT

If you submit reviews, comments, or uploads, you represent you have the necessary rights to do so and that your content is lawful and non-infringing. You grant us a worldwide, royalty-free license to use, reproduce, display, and distribute your content. We may remove it at our discretion.

11. FEES AND SUBSCRIPTIONS

If we offer paid features, prices are shown before applicable taxes. Auto-renewing subscriptions authorize recurring charges until you cancel. Except where required by law, fees are non-refundable.

12. ACCURACY; NO WARRANTIES

We strive for accuracy but do not guarantee content is complete or error-free. The Services and content are provided "as is" and "as available," without warranties of any kind.

13. LIMITATION OF LIABILITY

To the maximum extent permitted by law, we and our affiliates, directors, officers, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill. Our total liability for all claims shall not exceed the greater of $100 or the amount you paid us in the 12 months before the event.

14. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless us and our affiliates from claims, damages, and expenses arising from your use of the Services, your User Content, or violation of these Terms or applicable law.

15. PRIVACY AND COOKIES

Your use of the Services is also governed by our Privacy Policy and Cookie Policy, which explain what information we collect, why, how we share it with Authorized Partners, and your rights.

16. COMPLIANCE

You may use the Services only for lawful purposes. You represent that you are not subject to sanctions or export restrictions that prohibit your use of the Services. You represent that you are not located in, and will not use the Services from, any jurisdiction subject to comprehensive trade or economic sanctions, and you are not a denied or restricted party under applicable export control laws.

17. SUSPENSION AND TERMINATION

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including suspected violations of these Terms.

18. DMCA / COPYRIGHT (FOR U.S. USERS)

If you believe your copyrighted work was used in a way that constitutes infringement, email Info@thefrankplan.com with: (a) your signature; (b) identification of the copyrighted work; (c) identification and location of the infringing material; (d) your contact information; (e) a good-faith statement; and (f) a statement under penalty of perjury that you are authorized to act. We may remove infringing material and terminate repeat infringers.

19. DISPUTE RESOLUTION

U.S. users: Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by individual, binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules and governed by the U.S. Federal Arbitration Act. Class actions and class arbitrations are not permitted. Either party may bring an individual claim in small claims court. The seat of arbitration shall be Toronto, Ontario, Canada, and the proceedings shall be governed by Ontario law to the fullest extent permitted. Hearings may be conducted virtually unless both parties agree otherwise. The parties agree the arbitration award may be enforced in any court of competent jurisdiction. You may opt out of arbitration within 30 days of first use by emailing "Arbitration Opt-Out" to Info@thefrankplan.com.

Non-U.S. users: These Terms and any dispute or claim are governed exclusively by the laws of Ontario and the federal laws of Canada applicable therein. The courts in Toronto, Ontario shall have exclusive jurisdiction and venue, and you irrevocably submit to the personal jurisdiction of such courts, subject only to non-waivable consumer protection rights under applicable law. To the fullest extent permitted by law, you waive any right to commence or participate in a class or representative proceeding against us, and any claim must be brought in your individual capacity.

20. CHANGES TO TERMS

We may modify these Terms at any time by posting an updated version with a new "Last updated" date. Continued use means you accept the updated Terms.

21. MISCELLANEOUS

Entire Agreement: These Terms and referenced policies constitute the entire agreement.

Severability: If any provision is unenforceable, the rest remain in effect.

No Waiver: Failure to enforce a provision is not a waiver.

Assignment: You may not assign rights; we may assign to affiliates or successors.

Force Majeure: We are not liable for delays caused by events outside our control.