Annuities Genius

LICENSE AGREEMENT

Last updated August 12, 2026

This License Agreement (“Agreement”) is entered into by and between Agatha Global Tech, LLC, a California limited liability company with its principal place of business at 24031 El Toro Road, Suite 304, Laguna Hills, CA 92653, e-mail: legal@annuitiesgenius.com (“Agatha”), and the subscriber (“Subscriber”), either individually or on behalf of subscriber’s employer or any other entity which subscriber represents.

1. DEFINITIONS.

“Affiliate” means, with respect to any specified party, any other person or entity who, directly or indirectly, controls, is controlled by, or is under common control with such party.
“Annuities Genius Service” means a unique instance of the object code version of the “Annuities Genius” platform containing content about annuities products, including any Updates to the foregoing, that is (i) hosted on servers owned or leased by Agatha and (ii) made available to Authorized Users via the website located at www.annuitiesgenius.com.
“Authorized User” means each employee or independent contractor of Subscriber or any Affiliate of Subscriber who (i) is permitted by Subscriber or such Affiliate to access the Annuities Genius Service and (ii) creates an account on the Annuities Genius Service.
“Confidential Information” means any and all information disclosed by one party to the other party, directly or indirectly, in writing, orally, electronically, or in any other form, that is marked as “confidential” or “proprietary” or with a similar designation at the time of the disclosure, or is or should be reasonably understood to be confidential or proprietary to the disclosing party given the nature of the information and the circumstances of the disclosure, including, without limitation, information about the Annuities Genius Service, the Documentation, and the terms of this Agreement. Notwithstanding the foregoing, Confidential Information does not include information that (i) is or becomes generally available to the public through no breach of this Agreement or any other agreement by the recipient of the information, (ii) was known by the recipient of the information at or before the time such information was received from the discloser, as evidenced by the recipient’s tangible (including written or electronic) records, (iii) is received from a third-party that is not under an obligation of confidentiality to the disclosing party with respect to such information, or (iv) is independently developed by the recipient of the information without any breach of this Agreement, as evidenced by the recipient’s contemporaneous tangible (including written or electronic) records.
“Documentation” means such manuals, documentation and any other supporting materials relating to the Annuities Genius Service that are provided to Subscriber by Agatha in connection with this Agreement.
“Intellectual Property Rights” means any and all rights existing from time to time under patent, copyright, trademark, trade secret, unfair competition, moral rights, publicity rights, privacy rights laws, and any and all other proprietary rights.
“Legal Requirements” means all applicable laws, rules, regulations, governmental permits, or other binding determinations of any governmental authorities.
“NIPR” means the National Insurance Producer Registry, a Missouri not-for-profit corporation and an affiliate of the National Association of Insurance Commissioners.
“NIPR Data” means any information, data, or report obtained by Agatha from the NIPR Products and made available to Subscriber through the Annuities Genius Service.
“NIPR Products” means the Producer Database, the NIPR Gateway, and any other product or service made available to Agatha by NIPR.
“Producer Database” or “PDB” means the proprietary database owned, maintained, and operated by NIPR containing licensing and regulatory information received by NIPR on behalf of state and territorial departments of insurance regarding insurance companies and insurance producers.
“Related Services” means any services related to the Annuities Genius Service that Agatha has agreed to provide to Subscriber pursuant to this Agreement.
“Subscriber Content” means any and all data, materials, information, and content (including, without limitation, any Subscriber Marks) (i) provided to Agatha by Subscriber, any Authorized User, or any third-party authorized by Subscriber for use in connection with the Annuities Genius Service or (ii) posted by Subscriber or any Authorized User directly on the Annuities Genius Service.
“Subscriber Marks” means the trade names, stylized trademarks and service marks, domain names, and logos of Subscriber provided by Subscriber to Agatha for use pursuant to this Agreement.
“Updates” means any modifications, error corrections, bug fixes, new releases, or other updates of or to the Annuities Genius Service and/or Documentation that are generally made available by Agatha to its customers at no additional charge during the term of this Agreement. Updates do not include any releases, options, or future products that Agatha licenses separately.
“Usage Data” means information collected by Agatha about each Authorized User’s use of the Annuities Genius Service.

2. ANNUITIES GENIUS SERVICE.

2.1. License to Annuities Genius Service. Subject to the terms and conditions of this Agreement and the timely payment of all fees hereunder, Agatha grants to Subscriber a nonexclusive, nontransferable, non-sublicensable limited right and license, during the term of this Agreement, to access and use the Annuities Genius Service through a compatible Internet browser or other remote Internet interface approved by Agatha for the sole purpose of researching, comparing, and recommending annuity and insurance products to Subscriber’s and Authorized Users’ clients; provided, however, that Subscriber’s use of the Annuities Genius Service in accordance with the licenses above must be exercised solely (a) in accordance with the Documentation, (b) for Subscriber’s or its Authorized Users’ own internal business use, and (c) subject to the limitations and restrictions set forth in this Agreement. The Annuities Genius Service may be accessed only through an individual account assigned to a single named user. If Subscriber’s subscription plan includes multiple seats (such as a team or enterprise plan), Subscriber may permit Authorized Users to access the Annuities Genius Service, solely through a separate account for each Authorized User and only up to the number of seats included in Subscriber’s plan. Accounts and login credentials are personal and may not be shared with, or used by, any person other than the named account holder, including among Authorized Users (see Section 2.6). Each Authorized User will be considered an agent of Subscriber, and not an agent of Agatha. Agatha makes no representations or warranties for the benefit of any Authorized User. Subscriber will be responsible for (i) ensuring that each Authorized User complies with all of the terms and conditions of this Agreement and (ii) all of the acts and omissions of any Authorized User in connection with this Agreement as if such acts or omissions of the Authorized User were Subscriber’s own acts or omissions. Except as set forth in this Section 2.1, no other right or license of any kind is granted by Agatha to Subscriber hereunder with respect to the Annuities Genius Service. Except as otherwise expressly set forth in this Agreement, Agatha is not obligated to customize or alter the Annuities Genius Service for Subscriber.

2.2. Restrictions.

1. Subscriber acknowledges that the Annuities Genius Service, including, without limitation, the know-how embodied therein, constitute the valuable trade secrets of Agatha. Subscriber may not, and may not allow others, to (a) copy, disassemble, decompile, “unlock,” reverse translate, reverse engineer, decode, modify, create derivative works based on, or customize the Annuities Genius Service or any component thereof, (b) copy, use, or commercially exploit in any way the Annuities Genius Service or any component thereof, other than as expressly allowed in this Agreement, (c) distribute, assign, sell, lease, sublicense, grant a security interest in, or otherwise offer the benefits of the Annuities Genius Service to any third party, whether such arrangement is in the nature of a service bureau, an outsourcing service, or any other similar service or business, (d) access (or attempt to access) the Annuities Genius Service by any means other than through a compatible Internet browser, or (e) gain unauthorized access to the Annuities Genius Service.

2. Subscriber is solely responsible for all Subscriber Content accessible on or through the Annuities Genius Service. Notwithstanding the foregoing, Agatha reserves the right to (a) suspend or permanently terminate any Authorized User’s use of the Annuities Genius Service (or any portion thereof) if Agatha believes, in its sole discretion, that such use could be harmful to Agatha or Subscriber in any way, including, without limitation because such use could create liability for Agatha or Subscriber or otherwise negatively impact Agatha’s or Subscriber’s reputation or goodwill and (b) remove any Subscriber Content from the Annuities Genius Service that Agatha believes, in its sole discretion, violates any Legal Requirement or the terms of this Agreement or if Agatha believes, in its sole discretion, that such Subscriber Content could be harmful to Agatha or Subscriber in any way, including, without limitation, because it could create liability for Agatha or Subscriber or otherwise negatively impact Agatha’s or Subscriber’s reputation or goodwill.

3. Service Availability. Agatha will use commercially reasonable efforts to make the Annuities Genius Service available to Subscriber. The Annuities Genius Service is provided on an ‘as available’ basis, and Subscriber acknowledges that access may be interrupted for scheduled maintenance, system updates, or reasons beyond Agatha’s reasonable control.

2.3. Subscriber Responsibilities.

Subscriber agrees that Subscriber’s and all Authorized Users’ use of the Annuities Genius Service will comply with all Legal Requirements.
Subscriber is responsible for providing and paying for all hardware, system software, access devices, networks and telecommunications or other connections required to access the Annuities Genius Service through a compatible Internet browser.
Subscriber agrees to make available to Agatha, at Subscriber’s expense, any Subscriber Materials (as defined below) reasonably necessary for Agatha to perform any Related Services.
Subscriber is responsible for ensuring that Subscriber Content is collected in compliance with Legal Requirements and that the contemplated use of Subscriber Content by Agatha as set forth in this Agreement does not violate the rights of any third party.

2.4. Trademark Licenses. Subscriber hereby grants to Agatha a non-transferable, non-exclusive, non-sublicensable, royalty-free, limited right and license, during the Term, to use and display Subscriber Marks on the Annuities Genius Service as contemplated in this Agreement.

2.5. Service Modifications. Agatha reserves the right to add, modify, enhance, discontinue, or retire any features or functionality of the Annuities Genius Service at any time, with or without notice. Discontinuation or retirement of features, with reasonable prior notice to Subscriber, shall not constitute an error, interruption, degradation, or unavailability under this Agreement, and Subscriber shall not be entitled to any credit, refund, or other remedy as a result. Agatha will use commercially reasonable efforts to update the Documentation to reflect such changes.

2.6. Account Integrity; Device and Browser Limits. Each account on the Annuities Genius Service is personal to the individual named on the account, and Subscriber may not share login credentials with, or permit use of the account by, any person other than that individual. Each Authorized User must access the Annuities Genius Service through such Authorized User’s own account. To protect the security and integrity of the Annuities Genius Service and to prevent unauthorized account sharing, Agatha may limit the number of devices, browsers, or concurrent sessions through which an account may access the Annuities Genius Service. The applicable limits, and the manner in which they are applied, will be communicated within the Annuities Genius Service and may be modified by Agatha from time to time on a prospective basis. Upon reaching an applicable limit, Subscriber may be required to deactivate a previously registered device or browser before signing in from an additional device or browser, and a deactivated device or browser may be temporarily blocked from accessing the account for a period specified within the Annuities Genius Service. In connection with the foregoing, Agatha collects and processes device and browser information and login-session history, as further described in the Privacy Policy . Device and browser limits restrict only the means of access to an account; they do not suspend the account itself and do not relieve Subscriber of any payment obligation. Any circumvention or attempted circumvention of device or browser limits, and any sharing of login credentials, constitutes a material breach of this Agreement, and Agatha may suspend or terminate the affected account in accordance with Section 5.2.

2.7. Producer Database Access.

2.7.1. Source of the Data. The Annuities Genius Service makes available certain licensing, appointment, and regulatory information obtained from the Producer Database, which is owned, maintained, and operated by the National Insurance Producer Registry. Agatha accesses the NIPR Products under a license from NIPR, and Subscriber’s access to NIPR Data is subject to the additional terms of this Section 2.7. In the event of any conflict between this Section 2.7 and any other provision of this Agreement, this Section 2.7 controls as to NIPR Data.

2.7.2. Scope of Permitted Retrieval. The Annuities Genius Service permits Subscriber to retrieve NIPR Data only with respect to Subscriber’s own record — that is, the licensing, appointment, and regulatory record of the individual producer or business entity that is the Subscriber under this Agreement. The record returned is determined by the authenticated account and not by Subscriber-supplied input. Subscriber shall not request, attempt to request, or use the Annuities Genius Service to obtain NIPR Data regarding any other individual or entity, whether by National Producer Number, name, license number, or any other identifier, and shall not use the Annuities Genius Service to obtain NIPR Data on behalf of or for the benefit of any other person or entity. Subscriber shall not submit automated, bulk, scripted, or enumerated queries for NIPR Data, and shall not circumvent or attempt to circumvent any control by which Agatha limits retrieval to Subscriber’s own record. Any attempt to obtain a third party’s record through the Annuities Genius Service is a material breach of this Agreement and grounds for immediate suspension or termination under Section 5.2(i), in addition to any other remedy available at law.

2.7.3. Subscriber Representations. Subscriber represents and warrants that (a) Subscriber is the individual producer or business entity whose licensing and appointment record is retrieved through the Annuities Genius Service, or an authorized representative of that entity; (b) Subscriber is licensed or registered as an insurance producer or insurance business entity in at least one United States jurisdiction; and (c) Subscriber will comply with the FCRA and all other Legal Requirements applicable to its receipt and use of NIPR Data. Subscriber acknowledges that information contained in the Producer Database may constitute a consumer report under the FCRA, and that Subscriber’s access through the Annuities Genius Service is limited to Subscriber’s own record as set forth in Section 2.7.2.

2.7.4. Identity Verification. Because the Annuities Genius Service discloses a producer’s own licensing record, Agatha is required to verify the identity of the person requesting it. Subscriber shall provide such identifying information as Agatha reasonably requires before access to NIPR Data is enabled and at any time thereafter, which may include legal name, National Producer Number, resident state license number, business address, and such additional identifiers as Agatha may require. Subscriber represents and warrants that all identifying information it provides is true, accurate, and complete. Subscriber is solely responsible for maintaining the confidentiality of its account credentials and for all activity occurring under its account, and shall notify Agatha immediately upon becoming aware of any unauthorized use. Agatha may suspend or terminate access to NIPR Data, without liability, where it is unable to verify Subscriber’s identity or reasonably believes identifying information provided is inaccurate or that an account is being used by a person other than the named account holder.

2.7.5. Data Accuracy. NIPR Data originates with state and territorial departments of insurance and other third parties. Agatha does not create, verify, or control that information and cannot correct it. If Subscriber believes information in its record is inaccurate or incomplete, Subscriber should raise the matter with the applicable state department of insurance, which is the source of the record. Regulatory action history available through the Producer Database is limited to the preceding seven (7) years and should not be relied upon as a complete regulatory history. On request, Agatha will identify NIPR as the source of the information provided and direct Subscriber to the appropriate channel.

3. CONFIDENTIAL INFORMATION.

3.1. Confidentiality Obligations. Each party will (i) hold all Confidential Information of the other party in strict confidence and will not disclose any Confidential Information to any third party except to its officers, employees, contractors and agents (collectively, “representatives”) who have a need to know such Confidential Information in connection with the performance of its obligations under this Agreement, provided that the receiving party’s representatives have been informed by the receiving party of the confidential nature of such Confidential Information and have been instructed by such receiving party to keep such Confidential Information confidential in accordance with the terms of this Section 3.1, it being understood that the receiving party will be responsible for any breaches of this Section 3.1 by such representatives, (ii) avoid the unauthorized use or disclosure of the other party’s Confidential Information using the same degree of care that it uses in safeguarding its own confidential information, but in no event less than a reasonable degree of care, and (iii) use the other party’s Confidential Information only in connection with the performance of its obligations under this Agreement. Notwithstanding the foregoing, the restrictions on Confidential Information contained in this Section 3.1 will not apply to the extent that such disclosure is: (i) approved in writing by the disclosing party, (ii) necessary for the receiving party to enforce its rights under this Agreement in connection with a legal proceeding, or (iii) required by law or by the order of a court or a similar judicial or administrative body, provided that the receiving party promptly notifies the disclosing party in writing of such required disclosure and cooperates with the disclosing party, at the disclosing party’s reasonable request and expense, in any lawful action to contest or limit the scope of such required disclosure.

3.2. Equitable Relief. The parties acknowledge that (i) the covenants contained in Section 3.1 are reasonable and necessary to protect the legitimate interests of the parties, (ii) the parties would not have entered into this Agreement in the absence of such covenants, and (iii) any violation or threatened violation of such covenants would cause irreparable harm for which monetary damages would not be adequate. Therefore, the parties agree that, in the event of a breach of Section 3.1 by a party, the other party will be entitled to seek equitable relief in addition to any remedies it may have hereunder or at law, and the breaching party will reimburse the non-breaching party for the reasonable costs associated with such enforcement (including any attorney’s fees).

4. PAYMENT.

4.1. Fees. Subscriber agrees to pay Agatha all applicable fees for the selected Annuities Genius subscription plan, together with any other amounts payable under this Agreement, including for Additional Credits (collectively, “Fees”). Pricing details are published on the Annuities Genius website or provided directly by Agatha through sales demonstrations, consultations, or promotional marketing campaigns, which may include discounts or special rates.

4.2. Subscription Billing and Auto-Renewal. Annuities Genius Service includes enrollment into an ongoing/recurring payment plan. Annuities Genius Service will automatically renew at the end of the billing period. Subscriber must cancel Annuities Genius Service before it renews in order to avoid billing of the subscription fees for the next billing period to Subscriber’s Payment Method (see "Cancellation" below). The “billing period” is the interval of time between each recurring billing date and corresponds to the term of Subscriber’s Annuities Genius Service. The length of the billing period will depend on the type of Annuities Genius subscription plan that Subscriber selected when Subscriber signed up for the service. The billing period date and time starts exactly when Subscriber starts the Annuities Genius Service.

4.3. Credits.

(a) Credit-Based Usage. Use of certain features and tools of the Annuities Genius Service - including, without limitation, quotes, illustrations, official carrier illustrations, and artificial intelligence-powered features - requires credits (“Credits”), which are deducted from Subscriber’s account each time such a feature or tool is used. The number of Credits required for each feature or tool is available within the Annuities Genius Service and through Agatha’s support resources, and will be provided by Agatha upon request. Agatha may modify Credit consumption rates from time to time in its sole discretion, effective on a prospective basis; the Credit consumption rates in effect at the time of Subscriber’s use of a feature or tool will apply to such use. Credit consumption for artificial intelligence-powered features is metered and based on the underlying usage such features generate. Credits are a unit of measurement of usage of the Annuities Genius Service only; Credits have no cash or monetary value, do not constitute property of Subscriber, and are not redeemable or exchangeable for cash.

(b) Base Credits. Each subscription plan includes a monthly allocation of base Credits (“Base Credits”) as follows:

Starter Plan: 1,000 Credits per month
Prime+ Plan: 3,000 Credits per month
Genius Plan: 6,000 Credits per month

or such other allocation as published by Agatha on the Annuities Genius website or specified at the time of purchase. At the start of each billing period, Subscriber’s account will be credited with the Base Credits associated with Subscriber’s then-current subscription plan. Unused Base Credits do not roll over: any Base Credits remaining at the end of a billing period expire and are forfeited without refund, credit, or other compensation.

(c) Additional Credits. Subscriber may purchase additional Credits in one-time credit packages (“Additional Credits”) at the prices displayed within the Annuities Genius Service at the time of purchase. Additional Credits:

Are purchased separately from the subscription and are not included in the subscription’s auto-renewal.
Are stored separately from Base Credits and do not expire until used.
Will only be used after the Base Credits for the current billing period are exhausted.
Are non-refundable, even if the subscription is canceled or terminated.
Cannot be shared or transferred to any other Annuities Genius account.

(d) Exhaustion of Credits. If Subscriber’s available Credits are exhausted, Subscriber’s access to Credit-consuming features and tools of the Annuities Genius Service will be suspended until Credits again become available, whether through the next monthly allocation of Base Credits, the purchase of Additional Credits, or an upgrade to a subscription plan with a larger monthly allocation. Agatha may, in its sole discretion and as an accommodation, permit an action already in progress to be completed notwithstanding an insufficient Credit balance; any resulting negative Credit balance will be deducted from Subscriber’s next monthly allocation of Base Credits. Suspension of access to Credit-consuming features and tools due to Credit exhaustion does not suspend, reduce, or otherwise affect Subscriber’s payment obligations under this Agreement.

(e) Trial Credits. Trial accounts may receive a one-time or limited allocation of Credits, in an amount determined by Agatha and disclosed at signup. Unless otherwise expressly stated by Agatha, trial Credits do not renew, and any unused trial Credits are forfeited upon the expiration, cancellation, or conversion of the trial. Upon conversion of a trial to a paid subscription, Subscriber’s first payment will commence a new billing period with a full allocation of the Base Credits associated with the selected subscription plan.

(f) Modifications. Agatha reserves the right to modify Credit allocations, Credit consumption rates, and Additional Credit package offerings and pricing at any time, effective on a prospective basis. Any reduction in the monthly Base Credit allocation applicable to Subscriber’s then-current subscription plan will take effect no earlier than the start of Subscriber’s next billing period.

4.4. Taxes. Subscriber will also be responsible for payment of all taxes (other than taxes based on Agatha’s income), fees, duties, and other governmental charges, and any related penalties and interest, arising from the payment of Fees to Agatha under this Agreement. Subscriber will pay all Fees to Agatha free and clear of, and without reduction for, any withholding taxes.

4.5. Payment Method. Agatha will keep Subscriber’s detailed payment information, such as credit card number and expiry date, on file. Subscriber must keep payment method details current to avoid interruptions in service. If a payment method fails due to expiration, insufficient funds, or otherwise, Agatha may attempt to retry billing. If the payment is not successfully authorized, Agatha reserves the right to suspend or terminate Subscriber’s access to the service until payment is successfully processed. Subscriber will remain responsible for any amounts Subscriber fails to pay in connection with Subscriber’s subscription, including collection costs, bank overdraft fees, collection agency fees, reasonable attorneys’ fees, and arbitration or court costs. Subscriber also agrees that Agatha may charge Subscriber’s payment method on file if Subscriber decides to restart the Annuities Genius Service.

4.6. Free Trials. The Annuities Genius Services may include an initial free trial period. Agatha reserves the right to determine the eligibility for, modify the terms of, extend, or revoke the free trial at any time without prior notice. In the event that a Subscriber is granted a free trial, the trial period shall commence from the precise moment of the Subscriber's acceptance of the Annuities Genius Service. For illustration, if the Subscriber initiates the trial at a specific time, such as 10:17:23 EST on December 7, 2023, the trial will conclude exactly seven days later at 10:17:23 EST on December 14, 2023. Following the conclusion of the free trial, the first payment will be automatically charged to the Subscriber’s selected payment method, unless the Subscriber cancels the service prior to the trial's expiration (refer to the "Cancellation" section below for details). It is the Subscriber’s responsibility to cancel their subscription before the end of the free trial if they do not wish to continue with the paid service. Agatha will provide Subscriber with notifications regarding the end of the free trial period, the commencement of the paid subscription, and upcoming automatic renewals, in each case as required by applicable law, via the e-mail address associated with Subscriber’s account.

4.7. Promotions. Agatha may, from time to time, at its sole discretion, offer certain promotional offers, discounts, or plans (collectively, "Offers") to eligible Subscribers of the Annuities Genius Service. The eligibility for participation in these Offers shall be determined solely by the Agatha, based on criteria including, but not limited to, device ID, method of payment, or an account email address associated with an existing or recent subscription to the Annuities Genius Service. The Company reserves the unequivocal right to revoke any Offer and to place the Subscriber's account on hold, should it be determined that the Subscriber fails to meet the eligibility criteria or violates any terms of the Offer. The specific eligibility requirements, limitations, conditions, and other pertinent terms associated with each Offer will be duly disclosed to the Subscriber at the time of signing up for the Offer, as well as through subsequent communications made available by Agatha. Furthermore, it is hereby stipulated that any discounts granted to the Subscriber under such Offers are strictly temporary and are valid only for the period explicitly specified at the time of the Offer's commencement. Upon the lapse of the stated discount period, the discounts shall cease to apply, and the Subscriber shall be liable to pay the full subscription fee, as per the standard pricing structure of the Annuities Genius Service.

4.8. Cancellation. Subscriber may cancel their Annuities Genius subscription at any time through the Billing page at www.annuitiesgenius.com. Upon cancellation, Subscriber will retain access until the end of the current billing period. Payments are non-refundable, and no refunds or credits will be provided for unused periods or partial use of services.

4.9. No Refunds. All payments made to Agatha are non-refundable, and no refunds or credits will be provided for partially used subscription periods, except as expressly provided in this Agreement (including Section 5.2). Notwithstanding this, Agatha may, at its sole discretion, issue refunds on a case-by-case basis. The decision to issue such refund is solely determined by Agatha. Subscriber acknowledges that the issuance of refund in any instance does not establish any entitlement or obligation for Agatha to provide refunds under similar circumstances in the future.

4.10. Legacy Plans. If Subscriber is subscribed to a subscription plan that Agatha no longer offers to new subscribers (a “Legacy Plan”), Subscriber may remain on such Legacy Plan, at the price and on the usage terms associated with such plan, unless and until (i) Subscriber cancels their subscription, (ii) Subscriber changes to a different subscription plan, or (iii) the Legacy Plan is discontinued by Agatha as set forth below. For clarity, Section 4.3 does not apply to Legacy Plans; Subscriber’s usage allowances and limits under a Legacy Plan remain those in effect for such plan unless and until Subscriber is transitioned to a then-current subscription plan. If Subscriber changes from a Legacy Plan to a then-current subscription plan: (a) Subscriber will be transitioned to the Credit-based usage system described in Section 4.3; (b) any unused additional credits previously purchased by Subscriber will be converted to the then-current Credit scale, in an amount reasonably determined by Agatha, and will thereafter be treated as Additional Credits under Section 4.3; and (c) Subscriber will not be able to return to the Legacy Plan. Agatha reserves the right to discontinue any Legacy Plan at any time upon at least thirty (30) days’ prior notice to affected Subscribers, in which case each affected Subscriber will be transitioned to the then-current subscription plan that Agatha reasonably determines to be most comparable, at the then-current price for such plan, effective as of the start of Subscriber’s next billing period, unless Subscriber cancels their subscription before such transition takes effect. Any promotional discount previously granted to Subscriber will continue to apply through the end of its stated promotional period in accordance with Section 4.7, to the extent such discount is applicable to the new subscription plan.

5. TERM; TERMINATION.

5.1. Term. This Agreement shall commence on the date Subscriber accepts these terms (the "Effective Date") and shall continue until terminated by either party (the “Term”). Subscriber may terminate this Agreement at any time by canceling their subscription through the Billing page at www.annuitiesgenius.com or by contacting Agatha directly, including by e-mail at help@annuitiesgenius.com or by phone. Upon termination, Subscriber will retain access to the Annuities Genius Service until the end of the current billing period.

5.2. Termination by Agatha. Agatha may suspend or terminate Subscriber’s access to the Annuities Genius Service: (i) immediately and without prior notice if Subscriber’s account is past due or if Subscriber otherwise materially breaches this Agreement; or (ii) for any other reason or for no reason, upon notice provided via e-mail to the e-mail address associated with Subscriber’s account, effective at the end of the current billing period or such earlier date as specified in the notice. If Agatha terminates Subscriber’s access pursuant to clause (ii) prior to the end of a billing period for which Subscriber has prepaid, Agatha will refund to Subscriber a pro-rata portion of the prepaid subscription fees attributable to the unused remainder of such billing period. No refund will be due in connection with any suspension or termination under clause (i).

5.3. Effects. Upon termination or expiration of this Agreement: (i) all rights and licenses granted under this Agreement will immediately cease; (ii) Subscriber will discontinue all access to and use of the Annuities Genius Service; and (iii) each party shall, within thirty (30) days, return, delete, or destroy all copies of the other party’s Confidential Information under its control, except that each party may retain a single archival copy solely for compliance or recordkeeping purposes. Subscriber will remain obligated to pay all accrued but unpaid fees and expenses through the date of termination. Termination of this Agreement shall not relieve either party of liability for breaches that occurred prior to termination.

6. PROPRIETARY RIGHTS.

6.1. Agatha. As between Agatha and Subscriber, Agatha will exclusively own and retain all right, title, and interest, including all Intellectual Property Rights, in and to (i) the Annuities Genius Service (including all Documentation) and any Related Services, including, without limitation, all software, technology, information, content (including, without limitation, annuities rate information and product data), and materials relating thereto and/or generated thereby, (ii) Usage Data, (iii) all Confidential Information of Agatha, (iv) any suggestions, recommendations, or other feedback relating to the Annuities Genius Service provided by Subscriber or any Authorized User to Agatha, and (v) any modifications, Updates, copies, translations, improvements, derivative works, or adaptations of any of the foregoing, irrespective of who authored, invented, or made same. For clarity, Subscriber may not use any content obtained from the Annuities Genius Service, including, without limitation, annuities rate information and product data, outside of the Annuities Genius Service. Notwithstanding the foregoing, as between Agatha, Subscriber, and NIPR, NIPR retains all right, title, and interest in and to the NIPR Products and all NIPR Data, together with any modifications, additions, enhancements, or updates thereto. Neither Subscriber nor any Authorized User obtains any right, title, or interest in the NIPR Products or NIPR Data other than the limited right of access expressly granted in Section 2.7. Nothing in this Section 6.1 is intended to convey to Agatha any ownership interest in NIPR Data.

6.2. Subscriber. As between Agatha and Subscriber, Subscriber will exclusively own all right, title, and interest, including all Intellectual Property Rights, in and to (i) all Confidential Information of Subscriber and (ii) all Subscriber Content (collectively, the “Subscriber Materials”). Subscriber hereby grants Agatha a royalty-free, worldwide, non-exclusive right and license to use, reproduce, distribute, transmit, perform, display, and make derivative works of the Subscriber Materials, or any portion thereof, solely for the purpose of performing its obligations under this Agreement.

6.3. Privacy; Data Security. Agatha’s collection, use, and disclosure of personal information in connection with the Annuities Genius Service are described in the Annuities Genius Privacy Policy , available on the Annuities Genius website (the “ Privacy Policy ”), which is incorporated into and forms part of this Agreement. Agatha will maintain commercially reasonable administrative, physical, and technical safeguards designed to protect the security and confidentiality of Subscriber Content. Subscriber represents and warrants that it has obtained, and will maintain, all consents and authorizations from its clients necessary for Agatha to process Subscriber Content as contemplated by this Agreement and the Privacy Policy.

7. LIMITED WARRANTY.

7.1. Mutual. Each party represents and warrants to the other party that the execution, delivery and performance of this Agreement (i) is within its corporate powers, (ii) has been duly authorized by all necessary corporate action on such party’s part, and (iii) does not and will not contravene, violate, or constitute a default under, and is not and will not be inconsistent with, any Legal Requirement, judgment, decree or order, or any contract, agreement, or other undertaking, applicable to such party.

7.2. Annuities Genius Service. Agatha warrants that, when operated in accordance with the Documentation, the Annuities Genius Service will substantially conform to the specifications set forth in the Documentation. Notwithstanding the foregoing, Agatha’s warranty in this paragraph will not apply to the extent that Agatha’s breach of such warranty arises from (i) any use of the Annuities Genius Service not in accordance with the terms of this Agreement or any Legal Requirements, (ii) any Subscriber Content, (iii) any use of the Annuities Genius Service in combination with other services, products or data provided by Subscriber or third parties, or (iv) any modification of the Annuities Genius Service by Subscriber or any third party. Agatha’s sole obligation, and Subscriber’s sole remedy, for a breach of the warranty in this paragraph will be, at Agatha’s option, either to (i) remedy the purported defect within a reasonable time or (ii) terminate this Agreement and refund any Fees that have been prepaid by Subscriber for the Annuities Genius Service for any period of time after such termination.

7.3. General Disclaimers. EXCEPT AS EXPRESSLY PROVIDED IN SECTIONS 7.1 AND 7.2, THE ANNUITIES GENIUS SERVICE IS PROVIDED “AS-IS” AND “AS AVAILABLE”, AND AGATHA EXPRESSLY DISCLAIMS ALL WARRANTIES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WHETHER EXPRESS, IMPLIED, OR STATUTORY, AS TO ANY ASPECT OF THE ANNUITIES GENIUS SERVICE, ANY RELATED SERVICES, OR ANY OTHER ASPECT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND WARRANTIES ARISING FROM A COURSE OF DEALING, USAGE OR TRADE PRACTICE. AGATHA DOES NOT WARRANT THAT THE ANNUITIES GENIUS SERVICE WILL MEET ALL OF SUBSCRIBER’S REQUIREMENTS, THAT ITS ACCESSIBILITY OR OPERATION WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, THAT THE ELECTRICAL, INTERNET, WIRELESS, OR CELLULAR NETWORKS NECESSARY TO OPERATE THE ANNUITIES GENIUS SERVICE WILL BE AVAILABLE, OR THAT THE ANNUITIES GENIUS SERVICE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AGATHA IS NOT LIABLE TO SUBSCRIBER FOR ANY LOSS OR CORRUPTION OF SUBSCRIBER CONTENT ON THE ANNUITIES GENIUS SERVICE. SUBSCRIBER ACKNOWLEDGES THAT ACCESS TO INFORMATION STORED IN THE ANNUITIES GENIUS SERVICE IS NOT GUARANTEED, AND SUBSCRIBER AGREES TO EMPLOY APPROPRIATE BACK-UP PROCEDURES FOR DATA STORAGE IN ORDER THAT ANY LOSS OF DATA CAUSED BY THE ANNUITIES GENIUS SERVICE OR THE ANNUITIES GENIUS SERVICE’S UNAVAILABILITY WILL NOT ADVERSELY AFFECT SUBSCRIBER. TO THE EXTENT AGATHA MAY NOT, AS A MATTER OF APPLICABLE LAW, DISCLAIM ANY WARRANTY, THE SCOPE AND DURATION OF SUCH WARRANTY WILL BE THE MINIMUM PERMITTED UNDER SUCH LAW.

7.4. Third-Party Data. THE ANNUITIES GENIUS SERVICE MAY CONTAIN DATA FROM THIRD-PARTY PROVIDERS AND/OR WEBSITES THAT ARE NOT OWNED OR CONTROLLED BY AGATHA. AGATHA HAS NO CONTROL OVER, AND ASSUMES NO RESPONSIBILITY FOR, SUCH DATA OR POLICIES, OR PRACTICES OF ANY THIRD-PARTY DATA PROVIDER. SUBSCRIBER EXPRESSLY RELIEVES AGATHA FROM ANY AND ALL LIABILITY ARISING FROM SUBSCRIBER’S USE OF ANY SUCH THIRD-PARTY DATA.

7.5. NIPR Data. NEITHER AGATHA NOR THE NATIONAL INSURANCE PRODUCER REGISTRY (“NIPR”) MAKES ANY REPRESENTATION OR WARRANTY WITH RESPECT TO THE NIPR PRODUCTS OR THE COMPLETENESS OR ACCURACY OF THE DATA CONTAINED IN THE NIPR PRODUCTS. ALL SUCH DATA IS FURNISHED TO NIPR BY STATE AND TERRITORIAL DEPARTMENTS OF INSURANCE AND OTHER THIRD PARTIES, AND THE TRUTH, ACCURACY, CURRENCY, AND COMPLETENESS OF SUCH DATA IS NECESSARILY DEPENDENT ON THOSE PARTIES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, AGATHA AND NIPR EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, WHICH EXTEND BEYOND THE DESCRIPTION OF THE NIPR PRODUCTS SET FORTH IN THIS AGREEMENT, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NEITHER AGATHA NOR NIPR GUARANTEES UNINTERRUPTED ACCESS TO THE NIPR PRODUCTS. SUBSCRIBER EXPRESSLY RELIEVES AGATHA AND NIPR FROM ANY AND ALL LIABILITY ARISING FROM SUBSCRIBER’S RELIANCE ON OR USE OF NIPR DATA.

8. LIMITATION OF LIABILITY.

AGATHA’S AGGREGATE LIABILITY TO SUBSCRIBER FOR ANY CLAIM ARISING FROM OR RELATING TO THIS AGREEMENT UNDER ANY LEGAL THEORY (WHETHER IN TORT, CONTRACT, INDEMNITY, STATUTORY, OR OTHERWISE), WILL NOT EXCEED THE AMOUNT PAID OR PAYABLE BY SUBSCRIBER TO AGATHA PURSUANT TO THIS AGREEMENT IN THE TWELVE (12) MONTHS PRECEDING THE DATE ON WHICH SUCH CLAIM INITIALLY AROSE. UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (WHETHER IN TORT, CONTRACT, INDEMNITY, STATUTORY, OR OTHERWISE) WILL EITHER PARTY BE LIABLE TO THE OTHER PARTY FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR OTHER DAMAGES OF ANY CHARACTER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS, GOODWILL, LOST PROFITS OR LOST DATA, INCURRED BY EITHER PARTY OR ANY THIRD PARTY, EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, FROM SUCH PARTY’S PERFORMANCE OR NON-PERFORMANCE OF THIS AGREEMENT OR THE OPERATION OF SUCH PARTY’S BUSINESS.

9. INDEMNIFICATION.

9.1. Agatha. Agatha will, at its sole expense, defend, indemnify, save and hold harmless Subscriber and Subscriber’s officers, directors, agents and employees from any and all damages, losses, liabilities, costs or expenses, including reasonable attorneys’ fees (collectively, “Losses”), resulting from third-party claims, demands, suits, or proceedings (collectively, “Claims”) arising out of or relating to (i) Agatha’s breach of its representations, warranties, or covenants set forth in this Agreement, (ii) the infringement of any valid United States copyright or trade secret by the Annuities Genius Service (which, for clarity, does not include Subscriber Materials), and (iii) Agatha’s gross negligence or willful misconduct. Notwithstanding the foregoing, Agatha’s indemnity obligation in this paragraph will not apply to the extent that such obligation arises from (i) any use of the Annuities Genius Service not in accordance with the terms of this Agreement or any Legal Requirements, (ii) any use of the Annuities Genius Service in combination with other services, products or data provided by Subscriber or third parties, or (iii) any modification of the Annuities Genius Service by Subscriber or any third party.

9.2. Subscriber. Subscriber will, at its sole expense, defend, indemnify, save and hold harmless Agatha and Agatha’s officers, directors, agents and employees from any and all Losses resulting from Claims arising out or relating to (i) an alleged breach by Subscriber or any Authorized User of any representation, warranty or covenant of Subscriber in this Agreement, (ii) the Subscriber Materials, (iii) any representations or warranties made by Subscriber to an Authorized User concerning any aspect of the Annuities Genius Service or Related Services, (iv) acts or omissions of any Authorized User in connection with the use of the Annuities Genius Service, and (v) Subscriber’s gross negligence or willful misconduct.

9.3. Requirements. Any party seeking indemnification under this Agreement will (i) promptly notify the indemnifying party in writing regarding any facts that may give rise to a claim for indemnification under this Agreement (provided that any delay in notification will not relieve the indemnifying party of its obligations hereunder except to the extent that the indemnifying party is actually prejudiced by such delay), (ii) provide the indemnifying party with reasonable information, assistance and cooperation in defending the lawsuit or proceeding (at the indemnifying party’s expense, to the extent of any out-of-pocket expenses), and (iii) give the indemnifying party full control and sole authority over the defense and settlement of such claim, subject to the indemnified party’s approval of any such settlement, which approval will not be unreasonably withheld or delayed.

9.4. NIPR Data Indemnity. Subscriber agrees to indemnify, defend and hold harmless Agatha and the National Insurance Producer Registry, a Missouri nonprofit corporation (a/k/a NIPR) from and against any liability or claim of any persons that is attributable to Subscriber’s breach of Section 2.7 or to Subscriber’s failure to comply with the applicable provisions of the FCRA. NIPR is an intended third-party beneficiary of this Section 9.4 and of Section 2.7, and may enforce them directly. The requirements of Section 9.3 apply to any claim for indemnification under this Section 9.4.

10. MISCELLANEOUS.

10.1. Export Restrictions. Subscriber understands and acknowledges that Agatha is subject to regulation by agencies of the U.S. government, including the U.S. Department of Commerce, that prohibit export or diversion of certain products and technology to certain countries. Any and all obligations of Agatha to provide access to the Annuities Genius Service are subject in all respects to such United States laws and regulations as from time to time govern the license and delivery of technology and products abroad by persons subject to the jurisdiction of the United States, including the Export Control Reform Act of 2018, any successor legislation, and the Export Administration Regulations (“EAR”) administered by the U.S. Department of Commerce, Bureau of Industry and Security (“BIS”). Subscriber agrees to comply in all respects with the export and re-export restrictions applicable to the Annuities Genius Service and will otherwise comply with the EAR or other United States laws and regulations in effect from time to time.

10.2. Entire Agreement; Electronic Acceptance; Amendments.

A. Entire Agreement. This Agreement, including any exhibits hereto, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior agreements or representations, oral or written, regarding such subject matter, including, without limitation, any purchase orders or other business forms drafted by Subscriber, whether or not signed by Agatha, which are hereby terminated and of no further force or effect.

B. Electronic Acceptance. Subscriber acknowledges and agrees that acceptance of this Agreement is made electronically - including by clicking "Accept," "I Agree," or a similar affirmation upon initial registration or upon presentation of an updated version of this Agreement - and that such electronic acceptance has the same legal force and effect as a handwritten signature.

C. Amendments. Agatha reserves the right to modify, amend, or update this Agreement at any time at its sole discretion. Material amendments will be communicated to Subscriber by (i) posting the updated Agreement at www.annuitiesgenius.com and (ii) requiring Subscriber's affirmative acceptance of the updated Agreement upon Subscriber's next login. Subscriber's continued use of the Annuities Genius Service following acceptance of an updated Agreement constitutes Subscriber's agreement to the modified terms. If Subscriber does not agree to an amendment, Subscriber's sole remedy is to terminate this Agreement in accordance with Section 5 and discontinue use of the Annuities Genius Service.

10.3. Waivers. The waiver by either party of a breach of or a default under any provision of this Agreement will be in writing and will not be construed as a waiver of any subsequent breach or default under the same or any other provision of this Agreement. No delay or omission on the part of either party to exercise or avail itself of any right or remedy that it has or may have hereunder operates as a waiver of any right or remedy.

10.4. Severability. If the application of any provision of this Agreement to any particular facts or circumstances will be held to be invalid or unenforceable by an arbitration panel or a court of competent jurisdiction, then (i) the validity and enforceability of such provision as applied to any other particular facts or circumstances and the validity of other provisions of this Agreement will not in any way be affected or impaired thereby and (ii) such provision will be enforced to the maximum extent possible so as to effect the intent of the parties and reformed without further action by the parties to the extent necessary to make such provision valid and enforceable.

10.5. Assignment. The rights granted and obligations undertaken in this Agreement are personal to Subscriber and Subscriber agrees not to transfer, assign or sublicense such rights or obligations to any third-party. Any attempted transfer, assignment or sublicense of such rights or obligations by Subscriber will be null and void.

10.6. Relationship. The relationship of Agatha and Subscriber established by this Agreement is that of independent contractors, and nothing contained in this Agreement will create or be construed to create any partnership, joint venture, agency, franchise, sales representative, employment or fiduciary relationship between the parties or any of its respective agents or employees. Nothing in this Agreement grants to either party the authority to make any promise, warranty, guarantee, or representation that will create any obligation or liability whatsoever, whether express or implied, on behalf of the other.

10.7. Law; Venue. This Agreement will be governed by and construed in accordance with the laws of the State of California, without giving effect to any contrary choice of law rules, and applicable United States federal law. The application of the United Nations Convention of Contracts for the International Sale of Goods is expressly excluded. Subject to Section 10.9, any action or proceeding brought by one party to this Agreement against the other party to this Agreement that seeks to enforce any provision of, or based on any right arising out of, this Agreement will be brought exclusively in a state or federal court located in Orange County, California. Each of the parties consents to the exclusive jurisdiction of such courts (and the appropriate appellate courts) in any such action or proceeding and waives any objection to venue laid therein.

10.8. Prevailing Party. If any legal action, including, without limitation, an action for arbitration or equitable relief, is brought by one party against the other party relating to this Agreement or the breach or alleged breach hereof, the prevailing party in any final judgment or arbitration award, or the non-dismissing party in the event of a voluntary dismissal by the party instituting the action, will be entitled to reimbursement from the other party for the full amount of all reasonable expenses, including all court costs, arbitration fees and actual attorneys’ fees paid or incurred in good faith.

10.9. Dispute Resolution; Arbitration. Subscriber agrees that any dispute, claim, or controversy arising from or related to this Agreement or Subscriber’s use of the Annuities Genius Service (except those that qualify for small claims court in Orange County, California) will be resolved exclusively through binding arbitration, rather than in court. Arbitration will be conducted under the commercial arbitration rules of the American Arbitration Association. Each party waives the right to participate in class actions or class-wide arbitration related to this Agreement. Notwithstanding this clause, each party retains the right to seek immediate injunctive relief in court to prevent unauthorized use or infringement of intellectual property or Confidential Information. Arbitration will take place in Orange County, California.

10.10. Notices. All notices under this Agreement will be in writing. Notices to Agatha will be delivered to the physical address or e-mail address specified in the first paragraph of this Agreement, Attn: Chief Legal Officer. Notices to Subscriber will be delivered to the e-mail address associated with Subscriber’s account or, if a physical address has been provided by Subscriber, to such address. Notices may be delivered by: (1) depositing the notice in the mail, using registered mail, return receipt requested, (2) overnight delivery service, (3) e-mail, or (4) hand delivery to an individual authorized to accept such delivery. The notice will be effective (i) seven (7) calendar days after deposit in the mail, (ii) the next business day after deposit with an overnight delivery service, (iii) upon receipt by e-mail, or (iv) on the date of hand delivery.

10.11. Force Majeure. Except for Subscriber’s obligations to pay Agatha hereunder, neither party will be liable to the other party for any failure or delay in performance caused by reasons beyond its reasonable control.

10.12. Construction. The terms of this Agreement have been negotiated by the parties hereto and the language used in this Agreement will be deemed to be the language chosen by the parties to express their mutual intent. This Agreement will be construed without regard to any presumption or rule requiring construction against the party causing such instrument or any portion thereof to be drafted, or in favor of the party receiving a particular benefit under this Agreement.

10.13. Headings. The captions and section and paragraph headings used in this Agreement are inserted for convenience only and will not affect the meaning or interpretation of this Agreement.