Terms of Service

1. The agreement

These Terms of Service (the terms) are a binding contract between [LEGAL ENTITY NAME], LLC(we, us) and the business that opens an account (you). They govern your use of PostSignOff — the site at https://www.postsignoff.com, the application, and the compliance review (the service). You accept by creating an account, by clicking to accept, or by using the service. If you do not agree, do not use it.

This is a business-use agreement: you contract on behalf of your agency, brokerage, or sole proprietorship, for commercial purposes. It is not a consumer contract, and it creates rights only between you and us — not for the beneficiaries or prospects whose information you handle. Our Privacy Policy and data page are part of it.

2. Who may use the service

The service is sold business-to-business, to licensed insurance agents and agencies marketing Medicare Advantage and Part D plans in the United States. You must be at least 18 and able to form a binding contract. If you accept for an entity, you represent that you may bind it, and you means that entity.

You represent that you hold every license, appointment, and authorization your marketing requires in each state where you work, and will keep them current. We do not verify your age, licensure, National Producer Number, appointments, or standing with any carrier or regulator. The service is not directed to consumers, Medicare beneficiaries, or minors.

3. What the service is — and what it is not

PostSignOff drafts social content with AI, holds it for your review, runs a compliance review on brands you configure for one, and — if publishing is turned on — sends posts you approved to platforms you connect. The review has two independent halves:

• A deterministic disclaimer check that flags a missing required disclaimer by text comparison. It runs first and stands even if the AI half fails.
• An AI review against a single Medicare Advantage rule pack whose rules cite 42 CFR Part 422 Subpart V and the CMS Medicare Communications and Marketing Guidelines. Every finding must quote your post verbatim; findings whose quote is not literally in the post, or whose rule code is not in the pack, are discarded before you see them.

A finding blocks approval until you fix the text or acknowledge it. Editing a post voids the prior review and re-triggers it, and the review runs on the exact text that would publish — body, sign-off, and hashtags. Each review is kept as an immutable record of the version it examined, its findings, your acknowledgment, and who made it, when.

It assists supervision; it does not certify or guarantee regulatory compliance.

The acknowledgment is your own attestation, made by you. The service does not provide independent or supervisory review by another person. Accounts are single-user: no reviewer roles, no seats, no separation of duties. Whoever acknowledges a finding is whoever approves the post.

Nothing in the service is legal, insurance, compliance, or tax advice. The rule pack is review-assistance content: not exhaustive, and capable of lagging CMS guidance. When the checker is unavailable the review records an error status you may acknowledge and proceed; that is your decision. See our compliance page.

4. Your accounts and credentials

Register with accurate information and keep it current. Each account belongs to one named person. Do not share credentials or let anyone sign in as you. Anything done through your account — including approvals and acknowledgments — is treated as done by you.

The service does not offer multi-factor authentication today, so credential hygiene is the control that protects your account: use a unique, strong password and secure the mailbox you registered with, since it can reset that password. Tell us through the contact form if you suspect unauthorized access. You are responsible for the platform accounts you connect and for disconnecting them when access should end.

5. Your responsibility for regulatory compliance

You are the licensed professional. You alone are responsible for the lawfulness and compliance of everything you draft, approve, publish, schedule, or send using the service, including:

• CMS marketing requirements for Medicare Advantage and Part D, including 42 CFR Part 422 Subpart V and the Medicare Communications and Marketing Guidelines;
• any obligation you carry as a third-party marketing organization (TPMO) or downstream entity, and any HPMS filing or submission obligation for what you create;
• the Telephone Consumer Protection Act and state telemarketing, do-not-call, and consent law;
• state insurance advertising rules, licensure and appointment requirements, and disclosures;
• carrier, FMO, and upline requirements, including any pre-approval you must obtain; and
• any AI-disclosure obligation, and the terms of every platform you connect.

We take no position on whether you are a TPMO, or on whether we are. That determination is yours to make with your counsel and carriers, and yours to act on.

You must read every draft before you approve it and before it publishes. AI output can be inaccurate, invented, or non-compliant, and the review covers a defined set of rules, not the whole of Medicare marketing law. We do not review your content, monitor your marketing, supervise your business, or act as your compliance officer, agent, or licensed representative.

6. Consent capture and Permission to Contact

The capture forms and the Permission to Contact (PTC) form are tools for building your own forms, under your agency name, collecting information from your own prospects. Before activating a PTC form you must obtain your own counsel's review of the form and its clauses, and the approval of every carrier whose products you market. The feature is disabled by default, and the activation checklist is a process control, not an approval: nothing verifies that counsel reviewed anything or that a carrier approved anything. We make no representation that any form, clause, disclosure, or stored record satisfies any regulator, carrier, or court. One clause reproduces standardized regulatory text that must not be reworded; reproducing it does not make the rest of your form compliant.

You are the controller of the beneficiary data you collect, and we process it on your behalf; the lawful basis, the privacy notice, and the answers to the people it describes are yours. You alone are responsible for honoring withdrawals of consent, revocation requests, and do-not-contact requests, through your own processes. Do not rely on the service to record or effect a revocation. If someone withdraws consent, act on it outside the service and keep your own record. The same applies to expiry: a record carries a computed expiry twelve months after signature, but the service does not enforce it or stop you contacting anyone.

You are responsible for the accuracy of everything on a form — agency legal name and DBA, agent name, National Producer Number, phone, product lines, the number of organizations and plans you represent, and every entity you name as a recipient of shared data. These are shown verbatim to beneficiaries and pinned into an immutable version record, so an error is preserved as made.

7. Acceptable use

You must not, and must not let anyone else:

• upload or enter protected health information, Medicare beneficiary identifiers, Social Security numbers, dates of birth, diagnoses or health status, or financial account numbers into posts, media, notes, prompts, or any other field. The service is not designed to hold that data, and we are not your business associate under HIPAA;
• market unlawfully, deceptively, or misleadingly, make prohibited or unsubstantiated claims, or discriminate or steer on health status, disability, or any protected characteristic;
• contact anyone who has not given the consent the law requires, or who has withdrawn it;
• impersonate a carrier, plan, CMS, Medicare, the Social Security Administration, or another agent, or imply government endorsement;
• use the service to evade a platform ban, suspension, or rate limit, or to operate accounts you are not authorized to operate;
• scrape, reverse engineer, decompile, resell, sublicense, rent, or white-label the service, or offer it to others as a service of your own;
• circumvent authentication, tenant isolation, or plan limits, or reach data not yours; or
• upload malware, or infringe anyone's intellectual property or privacy rights.

We may remove violating content. We have no obligation to monitor it, and we do not.

8. Your content and our intellectual property

You keep ownership of your content — drafts, edits, media, brand configuration, contacts, and consent records — and you represent that you hold the rights in what you upload, including images, logos, and any carrier or plan marks. You grant us a worldwide, non-exclusive, royalty-free license to host, store, copy, process, transmit, and display it, and to send it to the providers listed on our data page, solely to operate the service and do what you instruct.

AI output comes from a third-party AI provider and reaches you subject to that provider's terms, which flow through to your use of it. Similar or identical output may be generated for other customers; we make no warranty that it is original, accurate, or non-infringing.

We own the service and everything in it that is not your content: software, rule packs, prompts, clause library, interface, and our marks. You get a limited, revocable, non-transferable right to use it for your own business while your account is active. Feedback you send us we may use without restriction or compensation.

9. Third-party platforms, AI providers, and other services

The service works by handing your content to other companies: an AI provider for generation and review, a payment processor for billing, the platforms you connect, and — depending on configuration and the integrations you enable — media storage, email, error tracking, bot protection, and stock media providers. Our data page lists them and what leaves our systems. Connecting an account, or using a feature that depends on a provider, authorizes us to transmit what that feature needs on your behalf.

Those services are not ours. We are not responsible for their acts or omissions, outages, data practices, or API and policy changes, or for a platform suspending, limiting, or deleting your account or content. A provider change may break or remove a feature with little notice; that is not a breach of these terms.

10. Plans, fees, and billing

Plans are paid Starter and Pro tiers, priced in U.S. dollars at the rates shown on our pricing page at the time you subscribe. Paid plans are monthly recurring subscriptions that renew automatically until cancelled; optional add-ons such as extra storage bill as further recurring items. Billing runs through Stripe: checkout and the billing portal are hosted by Stripe, and card data never touches our systems. You authorize us and Stripe to charge your payment method on each renewal, and agree to keep it valid.

Free trial. Every new account starts with a 14-day free trial of the Pro plan. No payment method is collected and the trial does not convert to a paid plan on its own; when it ends, publishing and AI drafting pause and your connected social accounts are released until you choose a plan. Fees exclude taxes; sales, use, and similar taxes are yours, other than taxes on our net income. We may change prices and plan contents on notice, effective from your next billing period; if you do not agree, cancel before then.

11. Cancellation, refunds, and non-payment

You can cancel at any time through the Stripe billing portal, reachable from your billing page; there is no separate in-app cancel button. Cancellation takes effect at the end of the period you have already paid for. Until then your access continues; after it publishing and AI drafting pause, your connected social accounts are released, and your content stays until you choose a plan again.

All fees are non-refundable. We do not give refunds, credits, or prorated refunds for partial periods, unused capacity, downgrades, or periods you did not use the service. Downgrades take effect at period end and are not credited. This does not limit any right that cannot be waived by agreement.

If a charge fails we may suspend the account. Suspension for non-payment is a write block, not a lockout: creating or changing content is refused while existing content stays readable and exports keep working. A successful payment reinstates the account automatically.

12. Usage limits

Each plan carries limits on metered dimensions — among them brands, AI text generations, AI images, published posts, concurrently scheduled posts, connected platform accounts, media storage, stored contacts, and stored consent records — and some plans carry a monthly ceiling on AI spend.

When you reach a limit, the next action that would exceed it is refused, with the dimension, your usage, and how to raise it. Everything else keeps working. Reaching a limit never deletes, hides, archives, or downgrades your content, and never publishes anything on its own. Storage counts live media only: media in the trash counts until purged, and archived media keeps counting. Reading and exporting your contacts and consent records stays available even where the matching limit is zero.

13. Publishing and scheduling

Publishing to external platforms is off by default and stays off until enabled in the environment your account runs in. There is no autopilot mode to leave on by accident. When publishing is enabled, only a post a human approved can be published, and approval is blocked while an unresolved compliance finding stands. Scheduled publishing is controlled at the service level rather than per account, and only ever selects posts a person already approved.

Once published, a post is immutable in the service; editing your copy afterwards does not change what is live, and corrections happen on the platform. A pending post whose scheduled time passes without approval moves to an expired status; expired posts are not deleted, and you can bring one back for review. You are responsible for everything published under your accounts — content, timing, targeting, and each platform's rules on advertising, disclosure, and automation.

14. Suspension and termination

You may stop using the service at any time and cancel as described in section 11. We may suspend or limit access immediately, without liability, if you fail to pay; if we reasonably suspect unlawful, deceptive, or fraudulent use; if your use threatens the security or availability of the service or another customer; or if you materially breach these terms. Where practical we will tell you first, but not when the risk is immediate. We may terminate for a material breach uncured ten days after notice.

Export your data before you terminate. There is no self-service account deletion and no automated export endpoint. What you can take out yourself is your captured contacts and consent records as CSV files, and your posts and compliance reviews through the application and its API. Do it while your account is active.

Termination ends your right to use the service. It does not by itself erase your data: posts are never hard-deleted (deleting one marks it rejected), and purging media deletes the stored file but leaves a record of the item. Deletion and data requests are handled manually — write to us through the contact form; see the data page. Sections 5 through 9 and 15 through 21 survive termination.

15. Disclaimer of warranties

THE SERVICE, THE COMPLIANCE REVIEW, THE RULE PACK, THE CLAUSE LIBRARY, ALL FORMS, AND ALL AI OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, [LEGAL ENTITY NAME], LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND CONTRACTORS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DATA WILL NOT BE LOST, OR THAT AI OUTPUT WILL BE ACCURATE, ORIGINAL, OR NON-INFRINGING. WE DO NOT WARRANT THAT THE COMPLIANCE REVIEW WILL DETECT ANY OR ALL COMPLIANCE PROBLEMS IN YOUR CONTENT. IT ASSISTS SUPERVISION; IT DOES NOT CERTIFY OR GUARANTEE REGULATORY COMPLIANCE. NOTHING DRAFTED, REVIEWED, ACKNOWLEDGED, OR STORED IN THE SERVICE IS APPROVED, CERTIFIED, FILED, OR ENDORSED BY US, BY ANY CARRIER, OR BY ANY GOVERNMENT AGENCY.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER [LEGAL ENTITY NAME], LLC NOR ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, OR CONTRACTORS — EACH OF WHOM IS PROTECTED BY THIS SECTION PERSONALLY AND MAY ENFORCE IT — WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, BUSINESS, OR GOODWILL, LOST OR CORRUPTED DATA, COST OF SUBSTITUTE SERVICES, OR ANY REGULATORY FINE, CIVIL MONEY PENALTY, SANCTION, CORRECTIVE ACTION COST, CARRIER TERMINATION, OR COST OF RESPONDING TO A REGULATOR, CARRIER, PLATFORM, OR CLAIMANT — IN CONTRACT, TORT, OR OTHERWISE, EVEN IF ADVISED SUCH DAMAGES WERE POSSIBLE. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU ACTUALLY PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS ($100). WE HAVE NO LIABILITY FOR ANY CLAIM ARISING FROM YOUR CONTENT, YOUR MARKETING, YOUR CONSENT PRACTICES, OR YOUR FAILURE TO COMPLY WITH ANY LAW, CARRIER REQUIREMENT, OR PLATFORM TERM. THESE LIMITS ARE AN ESSENTIAL BASIS OF THE BARGAIN AND APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THEY DO NOT APPLY TO GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD, OR TO LIABILITY THAT CANNOT BE LIMITED UNDER THE LAWS OF the State of North Carolina, AND THEY APPLY TO THE FULLEST EXTENT THOSE LAWS PERMIT.

Plainly: the fees are small and the regulatory risk of a licensed marketing business is not. That risk stays with the licensed business.

17. Indemnification

You will defend, indemnify, and hold harmless [LEGAL ENTITY NAME], LLC and its owners, officers, employees, agents, and contractors from any third-party claim, demand, audit, investigation, or enforcement proceeding — including by a regulator such as CMS or a state insurance department, a carrier, FMO, or upline, a platform, or a private claimant — and all resulting losses, fines, penalties, judgments, settlements, and reasonable attorney fees, arising out of or relating to:

• your content, marketing, advertising, or communications;
• your consent practices, including any claim under the Telephone Consumer Protection Act or state telemarketing law, and any claim that a consent was absent, invalid, expired, revoked, or not honored;
• your compliance or non-compliance with CMS requirements, state insurance law, carrier or upline requirements, or platform terms; or
• your use of the service, anything done through your account, or your breach of these terms.

We will notify you of a covered claim. You control the defense with counsel reasonably acceptable to us, we may participate at our own expense, and we may take over the defense at our option. You may not settle in a way that admits fault by us, imposes any obligation on us, or does not fully release us, without our written consent.

18. Dispute resolution, arbitration, and class waiver

Read this section. It changes how disputes are resolved and waives jury trial and class actions.

Informal resolution first. Before starting arbitration or suit, the complaining party must send the other written notice describing the dispute and the relief sought; the parties then work in good faith for 30 days. Send ours to the address in section 22. This is a condition precedent, and limitations periods pause while it runs.

Binding individual arbitration. Any dispute not resolved informally will be settled by binding arbitration before one arbitrator, administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Raleigh, North Carolina and governed by the Federal Arbitration Act; judgment may be entered in any court of competent jurisdiction. Either party may instead bring a qualifying individual claim in small claims court, or seek preliminary injunctive relief in the state and federal courts located in Wake County, North Carolina to protect intellectual property or confidential information.

How to opt out. You may opt out of this arbitration agreement and its class waiver by written notice within 30 days after you first accept these terms, stating your name, your account email, and that you are opting out of arbitration. Send it to [LEGAL ENTITY NAME], LLC, [STREET ADDRESS], [CITY], North Carolina [ZIP], or through the contact form. Opting out costs nothing and does not affect your account; disputes then go to the state and federal courts located in Wake County, North Carolina, and the jury waiver and one-year limitation still apply.

Class and jury waivers. Claims may be brought only individually, not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding, and the arbitrator may not consolidate claims. If this waiver is unenforceable as to a claim, that claim proceeds inthe state and federal courts located in Wake County, North Carolina and the rest stays in arbitration. Where a dispute proceeds in court, both parties knowingly waive trial by jury. Any claim must be filed within one year of accruing or it is barred.

19. Governing law and venue

These terms and any dispute arising from them or the service are governed by the laws of the State of North Carolina, without regard to conflict-of-laws rules. For any dispute not subject to arbitration — including enforcement of an award and the injunctive relief carved out in section 18 — the exclusive venue is the state and federal courts located in Wake County, North Carolina, and both parties consent to personal jurisdiction there and waive objections based on venue or inconvenient forum. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

20. Changes to the service and to these terms

We are actively developing the service and may add, change, or remove features, rule packs, clause text, and limits. If we discontinue the service or a paid plan entirely, we will give reasonable notice so you can export your data and cancel.

We may update these terms. When we do, we change the effective date at the top of this page, and for material changes — including to fees, to the liability provisions, or to section 18 — we will give notice by email or in the application before they take effect. Continued use after the effective date is acceptance. If you do not accept a change, stop using the service and cancel before that date; that is your remedy. Changes apply going forward only.

21. General

Entire agreement. These terms, the Privacy Policy, the data page, and your plan selection are the entire agreement about the service and supersede prior discussions; no statement outside them creates a warranty. An unenforceable provision is limited or severed to the minimum extent necessary. Our failure to enforce a provision is not a waiver; waivers must be in writing.

Assignment and force majeure. You may not assign this agreement, including by change of control, without our written consent; we may assign it to an affiliate or in a merger, financing, or sale of substantially all assets, and it binds permitted successors. Neither party is liable for delay caused by events beyond its reasonable control, including provider or network outages, acts of government, natural disaster, and war; payment obligations are not excused.

Relationship of the parties. We are independent contractors. Nothing here creates a partnership, joint venture, franchise, employment, or agency relationship. We are not your agent, employee, supervisor, compliance officer, or licensed representative, and neither party may bind the other. There are no third-party beneficiaries, except that those protected by sections 15 through 17 may enforce them.

Export controls and notices. You represent that you are not in an embargoed jurisdiction or on a U.S. restricted-party or sanctions list, and will not use or export the service in violation of U.S. export control or sanctions law. Legal notices to us go to [LEGAL ENTITY NAME], LLC, [STREET ADDRESS], [CITY], North Carolina [ZIP]; notices to you go to your account email. Including means including without limitation, and this agreement will not be construed against either party as its drafter.

22. Contact us

Questions about these terms, notices under them, or a request about your data: the contact form. Postal notices go to [LEGAL ENTITY NAME], LLC, [STREET ADDRESS], [CITY], North Carolina [ZIP]. For how we handle information see the Privacy Policy and the data page; for the compliance review see the compliance page.