TERMS AND CONDITIONS
Updated: May 2026
These Terms and Conditions (“Agreement”) govern your access to and use of all websites, platforms, lead systems, training materials, services, and related offerings provided by Thrive IMO (“Company,” “we,” “us,” or “our”), including but not limited to https://thriveimo.com.
By accessing or using any part of our Services, you agree to be legally bound by this Agreement. If you do not agree, you must discontinue use immediately.
1. ELIGIBILITY & USE OF SERVICES
Thrive IMO Services are intended solely for licensed insurance agents, insurance agencies, independent contractors, authorized business partners, and prospective agents participating in onboarding or evaluation processes.
By using our Services, you represent and warrant that you are at least eighteen years of age, that you are legally capable of entering into binding agreements, and that you will comply with all applicable federal, state, and local laws and regulations governing your business activities.
You further agree that you will maintain all required insurance licenses, carrier appointments, and certifications necessary to conduct business in your jurisdiction.
We reserve the right to deny, restrict, or terminate access to any individual or entity at our sole discretion without obligation to provide justification.
2. NATURE OF SERVICES
Thrive IMO provides a combination of insurance industry training, agency development systems, lead generation platforms, marketing infrastructure tools, business development support, and operational resources designed to assist independent insurance professionals and agencies.
We are not an insurance carrier, government entity, or licensing authority.
Nothing within our Services should be interpreted as establishing an employment relationship unless explicitly agreed to in writing.
All Services are intended to support independent business activity and entrepreneurial growth.
3. NO GUARANTEE OF RESULTS OR INCOME
We make no representations, warranties, or guarantees regarding income, earnings, production levels, sales performance, conversion rates, lead performance, return on investment, business growth, or agency success.
Any examples of earnings, production, ROI, or performance metrics provided on our website or through our Services are illustrative only and should not be interpreted as promises or guarantees of future results.
You acknowledge that individual outcomes vary significantly and depend on numerous factors including but not limited to personal skill, experience, effort, market conditions, product selection, compliance adherence, follow-up practices, and overall business strategy.
4. LEAD PLATFORM TERMS & CONDITIONS
These Lead Platform Terms and Conditions govern your access to and use of the Thrive IMO lead platform, including any related services, systems, data, communications, or marketing-generated consumer information provided by Thrive IMO, including but not limited to https://thriveimo.com. By accessing, purchasing, or using any portion of the Platform, you acknowledge and agree that you are legally bound by these Lead Terms in addition to the Company’s general Terms and Conditions. If you do not agree to these Terms in their entirety, you must immediately discontinue use of the Platform and any associated services.
A. NATURE OF THE PLATFORM
The Thrive IMO platform may provide access to marketing-generated consumer information, inquiries, communications, or other forms of data relating to insurance products, including but not limited to Life Insurance, Final Expense, and Medicare-related offerings. Such information may be generated, collected, or derived through a variety of methods and channels, which may include but are not limited to online submissions, digital advertising campaigns, social media marketing, third-party marketing networks, inbound consumer communications, telephone-based interactions, and other engagement systems or technologies now known or later developed. You acknowledge and agree that the Platform functions solely as a marketing and distribution system for consumer interest and engagement data and does not guarantee or represent any specific business outcome, financial performance, or sales result.
B. NO GUARANTEE OF PERFORMANCE
The Company makes no representations, warranties, or guarantees regarding the performance, quality, accuracy, or outcome of any data, leads, or consumer interactions provided through the Platform. This includes, without limitation, any expectations related to contact rates, answer rates, engagement levels, appointment scheduling, conversion rates, policy issuance, revenue generation, or return on investment. Any references to historical performance, statistical averages, or illustrative outcomes are provided strictly for informational purposes only and should not be interpreted or relied upon as a promise or guarantee of future results. You acknowledge that actual performance may vary significantly based on numerous factors, including but not limited to individual skill level, response time, follow-up practices, market conditions, consumer behavior, product selection, and compliance adherence.
C. NATURE OF DATA AND DISTRIBUTION
You acknowledge that any information provided through the Platform may take multiple forms, including but not limited to contact information, consumer inquiries, behavioral indicators, inbound communications, or other engagement-based data. Such information may be delivered, accessed, or distributed through various systems, interfaces, or channels and may differ in structure, format, quality, or origin. The Company does not guarantee exclusivity of any data or consumer information unless explicitly stated in writing for a specific campaign, product offering, or arrangement. The Company further reserves the right to distribute similar or related data sets to multiple users, agencies, systems, or partners as part of its ongoing marketing and operational activities.
D. LICENSED USE ONLY
All data, information, and consumer engagement provided through the Platform is licensed and not sold. Users are granted a limited, revocable, non-transferable right to access and use such data solely for lawful insurance-related business purposes in accordance with applicable laws and regulations. Users agree that they shall not resell, transfer, share, publish, reproduce, or redistribute any data obtained through the Platform without the prior written consent of Thrive IMO. Any use of Platform data must comply fully with all applicable federal, state, and local laws, regulations, and industry standards.
E. INDEPENDENT ACCESS
Access to the Platform may be offered independently of any participation in Thrive IMO as an IMO, agency partner, or affiliated organization. While additional services, resources, or benefits may be made available to affiliated users or partners, access to the Platform itself may be granted separately at the sole discretion of the Company. Nothing in these Terms shall be interpreted as requiring participation in any additional program, partnership, or contractual relationship beyond Platform access unless explicitly agreed to in writing.
F. TARGETING, FILTERING, AND SYSTEM CONTROLS
The Platform may provide users with tools or settings that allow for adjustment of certain marketing parameters, which may include but are not limited to geographic targeting, demographic filters, consumer interest categories, or other campaign-related preferences. While such settings may influence the type, volume, or nature of data received, the Company does not guarantee specific outcomes, lead quality, or performance results based on user-selected settings. The Company reserves the right to modify, adjust, restrict, or optimize any system parameters, targeting logic, or distribution methodology at any time for operational efficiency, compliance requirements, or platform performance purposes.
G. MARKETING CONTENT AND CONSUMER CONTEXT
From time to time, users may be provided with access to marketing materials, advertising creatives, campaign messaging, or contextual information associated with consumer engagement sources. Such materials are provided solely for informational and reference purposes and may not accurately reflect individual consumer intent, eligibility, or purchasing behavior. Users agree that they shall not misrepresent, alter, or misuse any marketing content in a manner that violates applicable laws, carrier guidelines, or regulatory standards.
H. COMPLIANCE RESPONSIBILITY
Users acknowledge and agree that they are solely responsible for compliance with all applicable laws, rules, and regulations governing their use of the Platform and any related business activities. This includes, without limitation, the Telephone Consumer Protection Act (TCPA), Do Not Call (DNC) regulations, state and federal insurance laws, and all carrier-specific marketing and conduct requirements. In the event users engage with Medicare-related marketing, leads, or communications, users further agree to comply fully with all Centers for Medicare & Medicaid Services (CMS) guidelines, including but not limited to scope of appointment requirements and approved communication standards. The Company assumes no responsibility for user compliance obligations, and any violation may result in immediate suspension or termination of access without notice or refund.
I. THIRD-PARTY SYSTEMS AND INTEGRATIONS
The Platform may operate in conjunction with or integrate into third-party systems, platforms, or services, including but not limited to dialers, customer relationship management systems (CRMs), communication tools, carrier platforms, and lead management technologies. The Company does not control and shall not be responsible for the performance, reliability, availability, or security of any third-party systems. Users acknowledge that such systems may experience outages, errors, delays, or integration failures, and the Company shall not be liable for any resulting loss, interruption, or disruption.
J. PAYMENTS AND REFUND POLICY
All payments made for access to the Platform, data, or related services are final unless otherwise explicitly stated in writing by the Company. The Company does not guarantee refunds based on performance, usage experience, lead quality perception, or business outcomes. Failure to meet payment obligations may result in suspension or termination of access to the Platform. Pricing, availability, and system access terms are subject to change at any time without prior notice.
K. DATA RIGHTS AND USAGE LIMITATIONS
All data, systems, processes, and infrastructure associated with the Platform remain the exclusive property of Thrive IMO and are licensed to users for limited use only. Users may not copy, scrape, extract, resell, distribute, or otherwise exploit Platform data beyond the scope of authorized business use. Users further agree not to store, retain, or reuse data in any manner outside of permitted operational requirements or to provide access to unauthorized third parties.
L. Supremacy of Third-Party Terms
To the extent that Thrive IMO facilitates, references, integrates with, or otherwise makes available access to any third-party lead generation platforms, marketplaces, vendors, or data providers (each, a “Third-Party Platform”), User acknowledges and agrees that such Third-Party Platforms are independent and not controlled by Thrive IMO. User’s access to and use of any Third-Party Platform, including without limitation the procurement, purchase, licensing, receipt, or utilization of any leads, data, or related services, shall be subject to the applicable terms of service, terms and conditions, privacy policies, and any other governing agreements imposed by such Third-Party Platform (collectively, the “Third-Party Terms”).
In the event of any conflict, inconsistency, or ambiguity between (i) these Terms and Conditions of Thrive IMO and (ii) the Third-Party Terms applicable to a Third-Party Platform, the Third-Party Terms shall govern and control solely with respect to User’s access to and use of such Third-Party Platform and any related services, data, or deliverables obtained therefrom. To the fullest extent permitted by law, Thrive IMO expressly disclaims any and all responsibility or liability for the acts, omissions, representations, warranties, data handling practices, performance, availability, or failures of any Third-Party Platform, and User hereby waives any and all claims against Thrive IMO arising out of or relating to such Third-Party Platform or Third-Party Terms.
User further acknowledges that Thrive IMO does not own, operate, warrant, or control any Third-Party Platform and that any engagement therewith is undertaken solely at User’s own risk and discretion.
M. LIMITATION OF LIABILITY
To the maximum extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to the use of the Platform. This includes, without limitation, damages related to loss of income, loss of profits, loss of data, business interruption, missed opportunities, compliance violations, or system failures. In all cases, the total liability of the Company shall not exceed one hundred dollars ($1 USD), regardless of the legal theory asserted.
N. SUSPENSION AND TERMINATION
The Company reserves the right to suspend, restrict, or terminate access to the Platform at any time, with or without notice, for any reason deemed necessary, including but not limited to suspected misuse of data, compliance concerns, fraud, non-payment, or violation of these Terms. Upon termination, access to the Platform and associated services may be immediately revoked without liability.
O. MODIFICATIONS TO PLATFORM
The Company reserves the right to modify, update, suspend, or discontinue any aspect of the Platform at any time without notice or liability. This includes changes to system functionality, data sources, targeting capabilities, pricing structures, or service availability.
END OF SECTION 4
5. COMPLIANCE RESPONSIBILITY
You agree that you are solely responsible for compliance with all applicable laws, regulations, and industry standards governing your business activities, including but not limited to the Telephone Consumer Protection Act, Do Not Call regulations, state and federal telemarketing laws, and all applicable insurance licensing laws and carrier appointment requirements.
If you engage in Medicare-related marketing or sales activities, you further agree to comply with all CMS marketing guidelines, including approved communication practices, scope of appointment requirements, and carrier-specific compliance rules.
Each user is independently responsible for ensuring compliance with all applicable legal and regulatory obligations.
Thrive IMO assumes no responsibility for user compliance violations.
Violation of compliance requirements may result in immediate suspension or termination of access to Services without notice or refund.
6. INTELLECTUAL PROPERTY RIGHTS
All content, materials, systems, branding, trademarks, logos, training programs, lead systems, marketing assets, and other intellectual property associated with Thrive IMO are owned exclusively by Thrive IMO or its licensors.
You are granted a limited, non-exclusive, non-transferable license to access and use the Services solely for lawful business purposes in accordance with this Agreement.
You may not copy, reproduce, distribute, sell, modify, create derivative works from, or exploit any portion of our intellectual property without prior written permission.
You may not use Thrive IMO branding, trademarks, or materials in advertising, domains, marketing campaigns, or public communications without explicit written authorization.
We reserve and enforce all intellectual property rights to the fullest extent permitted by law.
7. USER SUBMISSIONS
By submitting any content, communication, feedback, testimonials, or other materials to Thrive IMO, you grant us a perpetual, worldwide, irrevocable, royalty-free license to use, reproduce, modify, publish, distribute, and display such content in any form or medium for business, marketing, or operational purposes.
You waive any claims related to privacy rights, publicity rights, attribution rights, or intellectual property rights arising from our use of such submissions.
You agree not to submit any content that is false, misleading, defamatory, unlawful, infringing, malicious, or otherwise harmful, nor may you submit unauthorized advertising, spam, or content containing viruses or malicious code.
We reserve the right to remove or refuse any submission at our sole discretion.
8. THIRD-PARTY SERVICES
Our Services may integrate with or rely on third-party platforms including but not limited to dialers, CRM systems, lead vendors, carrier systems, scheduling tools, and payment processors.
We are not responsible for the performance, availability, accuracy, or reliability of any third-party services.
We are not liable for outages, data loss, carrier decisions, or disruptions caused by third-party systems.
Use of such services is governed by the respective third-party terms and policies.
A. THIRD PARTY CARRIERS
User acknowledges and agrees that Thrive IMO acts solely as a facilitator and intermediary in connection with potential insurance products and services offered by third-party insurance carriers, underwriters, and issuing insurers (each, a “Carrier”). Thrive IMO does not underwrite insurance, issue policies, bind coverage, or guarantee eligibility for appointment, contracting, access to carrier platforms, or approval of any agent, broker, or producer relationship with any Carrier.
Any engagement between User and a Carrier, including without limitation any appointment, contracting, production agreement, access to carrier systems, or the sale, solicitation, or servicing of insurance products, is subject exclusively to the applicable terms, conditions, agreements, underwriting guidelines, and policies imposed by such Carrier (collectively, the “Carrier Terms”). Thrive IMO makes no representation, warranty, or guarantee that User will be approved, appointed, contracted, or otherwise granted access to any Carrier or its products or platforms.
In the event of any conflict, inconsistency, or ambiguity between these Terms and the Carrier Terms, the Carrier Terms shall govern and control solely with respect to User’s relationship with, access to, and use of such Carrier and its products, services, or systems. User expressly acknowledges that Thrive IMO shall bear no responsibility or liability for any Carrier’s approval or denial decisions, appointment status, compensation structures, policy issuance, claims handling, underwriting determinations, or any other actions or omissions of any Carrier.
User further agrees that any sale, solicitation, placement, or servicing of insurance products is governed exclusively by the applicable Carrier Terms and any separate agreements entered into directly between User and the Carrier, and that Thrive IMO shall not be deemed a liable to such agreements.
9. WEBSITE ACCESS & MODIFICATIONS
We reserve the right to modify, suspend, restrict, or discontinue any portion of our website or Services at any time, with or without notice.
We do not guarantee uninterrupted access to any Services and are not responsible for downtime, technical errors, maintenance interruptions, or system failures.
10. DISCLAIMER OF WARRANTIES
All Services, materials, and content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.
To the fullest extent permitted by law, we disclaim all warranties including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, or uninterrupted operation.
We do not guarantee that Services will be error-free, secure, or free of viruses or harmful components.
Your use of the Services is at your sole risk.
11. LIMITATION OF LIABILITY
To the maximum extent permitted by law, Thrive IMO and its affiliates, partners, officers, employees, contractors, and representatives shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Services.
This includes, without limitation, damages related to loss of income, loss of profits, business interruption, loss of data, lead performance, compliance violations, technical failures, or third-party actions.
In all circumstances, our total liability to you shall not exceed one hundred dollars ($100 USD), regardless of the legal theory under which any claim is brought.
12. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Thrive IMO and its affiliates, partners, officers, employees, contractors, and representatives from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorney’s fees, arising out of or related to your use of the Services, your violation of these Terms, your violation of any applicable law or regulation, or your misuse of any systems, data, or intellectual property.
We reserve the right to assume exclusive defense and control of any matter subject to indemnification at your expense.
13. TERMINATION
We may suspend or terminate your access to the Services at any time, with or without notice, for any reason including but not limited to violation of these Terms, non-payment, suspected fraud, compliance concerns, or misuse of systems or data.
14. ACCESSIBILITY & TECHNICAL ISSUES
We do not guarantee that the Services will be available at all times or free from technical issues.
You are responsible for ensuring your own systems, devices, and software are secure, compatible, and capable of accessing the Services safely.
15. NO AGENCY OR PARTNERSHIP
Nothing in this Agreement shall be interpreted as creating any partnership, joint venture, employment relationship, or agency relationship between you and Thrive IMO unless explicitly stated in a separate written agreement.
16. ENTIRE AGREEMENT
This Agreement constitutes the entire agreement between you and Thrive IMO regarding use of the Services and supersedes any prior or contemporaneous communications, agreements, or understandings.
17. MODIFICATIONS
We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the Services constitutes acceptance of any revised Terms.