Terms & Conditions

Effective Date: March 1, 2025 | Last Updated: October 5, 2026

Welcome to maxoutinsurance.com, owned and operated by Braven Joseph Ramirez, doing business as Maxout Insurance ("Company," "Maxout," "we," "our," or "us").

By accessing or using this website, submitting any form, using our chat, creating or using a CRM account, or communicating with us via phone, text, or email, you agree to be bound by these Terms and Conditions, including the call recording terms in Section 4 when you speak with us by phone. If you do not agree, please discontinue use of this website and our services immediately.

1. About These Terms

These Terms cover our website and its pages (including individual agent pages and quote funnels), our website chat, our forms and communications, the Maxout CRM at app.maxoutinsurance.com, and the MaxOut browser extension (together, the "Services"). Our Privacy Policy is part of these Terms. Plan details shown in the CRM or at checkout also apply, and if you sign a separate written agreement with us, it controls where it conflicts with these Terms.

If you use the Services for a business, "you" includes that business, and you confirm you have authority to accept these Terms for it.

2. Who Can Use the Services

• You must be at least 18 years old and able to enter a binding contract. The Services are intended for people in the United States.
• CRM accounts are for licensed insurance professionals and people working under their supervision. You must keep any license your work requires active and in good standing.
• Information you give us must be true, current, and your own. Any phone number you provide must be yours (you are its subscriber or regular user), and you will tell us if it changes or is given up. Do not submit anyone else's information without their permission.
• You may not use the Services if you are barred by law, are on a U.S. government sanctions list, or are accessing them to build or benchmark a competing product.

3. SMS Text Messaging — Terms & Program Description

SMS Program: Maxout Insurance — Customer Care Communications

By opting in to receive SMS messages from Maxout Insurance, you agree to the following SMS terms.

Program Description: We send transactional and relationship SMS messages related to:

• Appointment reminders and consultation confirmations
• Follow-up communications related to your inquiry
• Life insurance quote updates (term life, final expense, IUL, annuities)
• Application status notifications
• Policy updates
• Call summaries after consultations

Call to Action — How We Obtain Your Consent

Consent: You will only receive SMS messages if you provide explicit written consent through our website forms. Consent is obtained via a clearly labeled, unchecked checkbox on our forms. You must actively check the box and submit the form to opt in. The consent checkbox appears on the following pages:

• Contact Page — https://maxoutinsurance.com/contact
• Booking Page — https://maxoutinsurance.com/book
• Quote Funnels — https://maxoutinsurance.com/funnel/term, /funnel/final-expense, /funnel/iul, /funnel/retirement (and matching per-agent URLs)

The consent language displayed at each checkbox reads: "By checking this box, I agree to receive SMS text messages from Maxout Insurance at the phone number provided, including messages sent by autodialer. These messages may include appointment reminders, quote follow-ups, and call summaries. Message & data rates may apply. Message frequency varies. Consent is not a condition of purchase. Reply STOP to opt out at any time. Reply HELP for help. We will not share your mobile information with third parties for promotional or marketing purposes."

Consent is not a condition of purchase. The checkbox is not pre-checked. Users must take affirmative action to opt in.

Message Frequency: Message frequency varies based on your interaction with us.

To Opt Out: Reply STOP at any time to cancel all SMS messages from us. After texting STOP, you will receive one final confirmation message. No further messages will be sent unless you re-opt in.

For Help: Reply HELP for assistance, or contact us at:

• Email: [email protected]
• Phone: (424) 550-5072

Message & Data Rates: Message and data rates may apply. Check with your mobile carrier for details.

Carrier Liability: Carriers are not liable for delayed or undelivered messages.

Supported Carriers: Compatible with all major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. T-Mobile is not liable for delayed or undelivered messages.

Privacy: Your mobile information and SMS opt-in consent will not be shared with or sold to any third parties for marketing or promotional purposes. SMS consent data is used solely by Maxout Insurance for the purposes described above. See our Privacy Policy for full details.

4. Telephone Calls, Monitoring & Recording

Clients and prospective clients: When you place or receive a telephone call with Maxout Insurance, the call may be monitored or recorded for quality control, training, security, regulatory compliance, and to document the substance of our conversations fairly for both parties. By continuing a call after clear notice that recording may occur (for example, a recorded line disclosure or live agent notice), or as otherwise permitted by applicable law, you acknowledge and agree to such monitoring and recording to the extent the law allows.

Where the law in your jurisdiction requires specific consent beyond a general notice, we will seek that consent in a manner consistent with those requirements. If you have questions or concerns about recording, contact us using the information in Section 24.

Authorized users of Company software (CRM, dialer, and related tools): If you access our systems on behalf of the Company, you agree to (a) comply with all federal and state laws governing interception, monitoring, and recording of communications; (b) provide any legally required disclosure to consumers and other parties before recording or monitoring; and (c) obtain and document consent where the law requires it. You understand that you may be personally responsible for unlawful recording or failure to give required notice, and that the Company may suspend access, terminate use, or take other appropriate action for violations.

Recordings may be retained in accordance with our Privacy Policy and legitimate business, legal, and regulatory needs. These terms do not replace advice from a licensed attorney about recording rules in your state or use case.

5. Insurance Information — No Financial, Legal, or Tax Advice

The content on this website is for informational and educational purposes only. Nothing on this website constitutes financial, legal, tax, or investment advice. All insurance and financial products discussed are subject to individual eligibility, underwriting approval, and state regulations. You should consult a qualified professional before making any financial decisions.

• Quotes are estimates. Prices, quotes, calculators, and illustrations on our site, in chat, or from our tools are estimates. Only the insurance company decides whether to offer coverage and at what price, after underwriting.
• No coverage until the policy is issued. Submitting a form, booking a call, or signing an application does not create coverage. Coverage starts only when the insurance company issues the policy and its conditions (such as the first premium) are met.
• We are an agency, not an insurer. Maxout Insurance is an independent agency. Policies are issued and paid by insurance companies, which are responsible for claims.
• Licensed agents only. Our licensed insurance professionals serve clients in California and multiple other states, and offer products only where they are licensed and appointed.
• Before replacing a policy, talk with your agent. Canceling existing coverage can mean losing benefits you cannot get back.

Life insurance and annuity products are not FDIC insured, not bank guaranteed, and may lose value. All guarantees are subject to the claims-paying ability of the issuing insurance company.

6. Website Chat and AI

• Our website chat assistant is an AI, not a person or a licensed agent. Its answers may be wrong, incomplete, or out of date, and they are general information, not advice. Do not rely on them to choose or change coverage — a licensed agent confirms quotes and coverage.
• Chats are recorded and processed by us and our AI provider (Anthropic) as described in our Privacy Policy. By using the chat, you consent to this. Do not enter Social Security, bank, card, or health details.
• Do not misuse the chat (for example, trying to make it reveal its instructions, produce unlawful content, or do unrelated work). We may limit or end any chat.

7. Use of This Website

You agree to use the Services only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Transmit any harmful, offensive, or disruptive content, or malware
• Attempt to gain unauthorized access to any part of the Services or their systems, or test their security without our written permission
• Use the Services for any fraudulent, deceptive, or unlawful purpose, including submitting false information or someone else's information
• Scrape, crawl, or harvest content or data with bots or other automated means (search engines indexing public pages are fine)
• Copy, reproduce, frame, or republish any content without written permission
• Reverse engineer, decompile, or try to extract source code, models, or prompts
• Interfere with or overload the Services, or get around limits or security features

8. CRM Accounts

• Keep your login details secret and use the security features we offer. You are responsible for all activity under your account and for the people you give access to.
• Tell us right away at [email protected] if you think someone has accessed your account without permission. We are not liable for losses caused by your failure to keep your account secure.
• Accounts are personal to you or your business and may not be sold or transferred without our written consent.

9. CRM Plans, Billing, and Automatic Renewal

• Plans. We offer a free Basic plan and paid plans, with the features and limits shown in the CRM or at checkout. We may change plan features and limits.
• Payment. Payments are processed by Stripe. You authorize us and Stripe to charge your payment method for subscription fees, usage charges, and taxes when due, without further approval from you.
• Automatic renewal. Paid plans renew automatically at the start of each billing period (monthly, or yearly if you chose yearly) at the then-current price, until you cancel.
• Usage charges. Texts, calls, phone numbers, carrier and texting-registration (10DLC) fees, AI usage, and similar items are billed as shown in the CRM, either as they are used or from a prepaid balance. Carrier fees and surcharges pass through to you.
• Price changes. We will give you at least 30 days' notice by email or in the CRM before a subscription price change applies at your next renewal. If you do not agree, cancel before it takes effect.
• Failed payments. If a charge fails, we may retry it and may limit or suspend your account until it is paid. You remain responsible for unpaid amounts and, where the law allows, reasonable collection costs.
• Taxes. Prices do not include taxes unless stated. You are responsible for taxes on your purchases.
• Free plan and trials. We may change, limit, or end the free plan or any trial at any time. A trial becomes a paid plan only if you agreed to that when you signed up.
• Cancellation. You can cancel any time in the CRM billing settings (billing portal) or by emailing [email protected]. Cancellation takes effect at the end of your current paid period, and you keep access until then.

10. Refunds and Chargebacks

All fees are non-refundable, except where the law requires a refund. This includes subscription fees, partial billing periods, unused time or features, downgrades, usage charges (texts, minutes, numbers, AI), carrier and registration fees, and charges for periods you did not cancel in time.

We reserve the right to decide every refund request at our sole discretion. We may choose to give a refund or credit in a particular case; doing so once does not oblige us to do it again, or for anyone else. If we end a paid plan for no fault of yours (not for non-payment or a breach of these Terms), we will refund the prepaid, unused part of that plan.

Chargebacks: please contact us before disputing a charge with your bank. If you dispute a valid charge, we may suspend your account until it is resolved, recover the charge and any dispute fees, and give your card issuer records of your account and use.

11. Your Compliance Duties (CRM Users)

You are the sender, caller, seller, and telemarketer for every text, call, email, and recording made through your account. Maxout provides the technology only and does not decide whom you contact or what you say. You are solely responsible for complying with all laws and rules that apply to you, including:

• The Telephone Consumer Protection Act (TCPA) and FCC rules, including consent for autodialed, prerecorded, and artificial voice calls and texts (artificial voices include AI-generated voices)
• The Telemarketing Sales Rule, the National Do Not Call Registry, state do-not-call lists, your own internal do-not-call list, and state telemarketing and calling-hour laws (such as Florida's and Oklahoma's)
• Caller ID, call recording, and wiretap laws, including all-party consent states such as California
• CAN-SPAM and other email laws; CTIA guidelines and carrier and 10DLC rules for texting
• State insurance laws, including licensing and appointments, advertising, replacement, suitability, unfair trade practices, and record keeping
• The Gramm-Leach-Bliley Act, state insurance privacy and data security laws, state consumer privacy laws, and laws on disclosing the use of AI

You represent and promise that:

• Before you contact anyone, you have — and can prove — every consent the law requires, and any lead you import or buy was collected lawfully with consent that covers you and the way you contact them
• You honor opt-outs (such as STOP replies, "don't call me" requests, and email unsubscribes) promptly and across channels as the law requires
• The business information you give for phone number and texting registration is true and complete
• You will answer our questions about complaints, carrier inquiries, and call tracebacks, and send proof of consent within 3 business days when we ask

Compliance tools in the CRM (such as quiet hours, STOP handling, consent checkboxes, templates, and AI guardrails) help, but they are not legal advice and do not guarantee compliance. Turning them off or changing them is at your own risk. We may review, block, pause, or stop any message, call, number, or campaign we believe may violate the law, carrier rules, or these Terms, without liability. The Services are not designed for HIPAA, and we do not sign business associate agreements unless we agree in writing.

12. Your Data in the CRM

• You own your data. "Customer Data" is the information you and your users put into the CRM, such as leads, contacts, notes, recordings, and messages. You give us permission to host, copy, process, transmit, and display it to provide, secure, support, and improve the Services, to prevent abuse, and as the law requires.
• We act as your service provider. For personal information in Customer Data, we process it on your behalf under these Terms and your instructions. We will not sell or share it, use it outside our business relationship with you (except as the law allows, such as for security or creating de-identified data), or combine it with other data except as the law allows. We will comply with privacy laws that apply to us as your service provider, tell you if we can no longer meet them, and let you take reasonable steps to stop unauthorized use.
• Security and breaches. We use reasonable safeguards, described in our Privacy Policy, and encrypt sensitive application fields. If we confirm a security breach affecting your Customer Data, we will tell you without undue delay with the information we reasonably have. You are responsible for notices you are required to give your own contacts and regulators.
• Your responsibilities. You are responsible for the accuracy and legality of Customer Data, for giving required privacy notices, for your own retention schedules, and for keeping your own exports. You handle requests from your contacts to see or delete their information; we will give reasonable help.
• After your account ends. You can export Customer Data while your account is active. After your account ends, we may keep Customer Data for 90 days so you can reactivate or export it, and then permanently delete it, except where the law requires us to keep it or it remains in backups for a limited time. Deletion cannot be undone, and we are not liable for data deleted under this section.
• Usage data. We own information about how the Services are used and perform, and de-identified, aggregated data that does not identify you or your contacts.

Client Portal

• What it is. The client portal lets an agent's client view their policy details, view and download documents their agent shares (including copies of documents from the agent's CRM records), send documents, message their agent and update their contact details. It is provided for the agent who invited you; your insurance relationship is with that agent and the insurance company, not with Maxout.
• Your login. Keep your password private and don't share your login. We will never ask for your password by email or text. Sessions end after 5 minutes without activity, and 5 wrong passwords lock the login until your agent unlocks it.
• What you send. Send only documents and information that relate to your insurance with your agent, and only ones you have the right to share. Photos and PDF files up to 20 MB are accepted. You can remove a file you sent until your agent opens it.
• Deletion. Documents and photos you send, and the portal's messages, are permanently deleted 7 days after they are sent unless you turn on "Keep my files and messages." Documents your agent shares stay until your agent removes them or the portal is deleted. You can ask to delete your whole portal at any time under "My info"; it is deleted 7 days later, and you can cancel before then. Your agent can also delete it sooner. Deleted files and messages cannot be recovered, so keep your own copies of anything you need.
• Screen sharing. Your agent may send you a link to watch their screen. It is view-only. Don't forward the link to anyone else. Your agent can see who is watching and remove anyone, and a share stops by itself after 15 minutes.
• Privacy. How portal information is protected and used is described in the Privacy Policy — Client Portal.

13. AI Features in the CRM

• AI drafts, summaries, transcripts, coaching, suggestions, and automated AI texts or calls ("AI Output") may be inaccurate, incomplete, or inappropriate. Review AI Output before you rely on it or send it.
• You are responsible for everything sent or said on your behalf, including messages an AI feature sends automatically after you turn it on.
• AI Output is not insurance, legal, tax, or financial advice. Do not use it to decide whether a consumer qualifies for coverage or what they pay.
• You must give any disclosure the law requires when people interact with AI or an AI voice, and get any consent the law requires for artificial or AI voice calls.
• Do not use AI features to create unlawful, deceptive, or discriminatory content, or to misrepresent insurance products.
• AI features run on third-party providers. We may change models or providers, and features may change or become unavailable.
• As between you and us, you own AI Output created from your data, to the extent the law allows. Similar output may be created for others.

14. Phone Numbers, Texting, and Calling

• Phone numbers are provided through our telecom providers. While your account is active and in good standing, you may use the numbers assigned to you, but you do not own them. Company pool numbers remain ours. We may reclaim, release, or reassign numbers after cancellation, non-payment, or misuse. Requests to port a number out are handled case by case and may involve fees.
• Texting registration (10DLC) and vetting fees are non-refundable. Approval is decided by carriers and the campaign registry, not us. Carriers may filter, block, or delay messages, and we do not guarantee delivery or connection of any message or call.
• No emergency calls. The CRM dialer is not a replacement for a regular phone and does not support calls to 911 or other emergency services. Always use another phone in an emergency.
• Call quality depends on your internet connection, device, and carriers, and is not guaranteed.

15. Third-Party Services and the Browser Extension

The Services work with outside services such as Google, Stripe, Telnyx, Meta, AI providers, and insurance company websites. Their own terms govern your use of them. We are not responsible for third-party services, their outages, or their changes, and if a provider stops offering something, we may end the related feature.

CRM users may optionally connect Google services (such as Calendar or Gmail) to use those features inside the product. Use of Google data is governed by our Privacy Policy — Google API Services and CRM Integration. Connecting Google is optional and can be disconnected at any time in CRM settings.

MaxOut browser extension: the extension works inside insurance company websites at your direction, reading and filling in information you choose. You must check every field before you submit any application or form, and you alone are responsible for what you submit to an insurance company. Insurance companies' terms apply to your use of their websites, and they may change their sites in ways that stop features from working. We are not affiliated with or endorsed by any insurance company unless we say so.

16. Suspension and Termination

We may suspend, limit, or end your access to any part of the Services at any time, with or without notice, including for non-payment, suspected violations of the law or these Terms, complaints, carrier or provider requests, security risks, or to protect others. We are not liable for suspending or ending access in good faith. You may stop using the Services at any time, and CRM users may cancel as described in Section 9. Sections that by their nature should survive (including Sections 10, 11, 12, and 17 through 22) survive after these Terms end.

17. Intellectual Property

All content on this website and in the Services — including text, graphics, logos, images, videos, and software, and the Maxout name and seal — is the property of Maxout Insurance or its content suppliers and is protected by applicable intellectual property laws. We give you a limited, revocable, non-transferable permission to use the Services for their intended purpose under these Terms. All rights not expressly granted are reserved. You may not use, reproduce, distribute, resell, or white-label any content or software without our prior written consent.

If you send us ideas or feedback, we may use them freely without any obligation to you.

Copyright complaints: if you believe content on the Services infringes your copyright, send a notice to [email protected] (Attn: Copyright Agent) or to our mailing address, identifying the work, the content, your contact details, a statement of good-faith belief, and a statement under penalty of perjury that you are authorized to act. We may remove content and end the accounts of repeat infringers.

18. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components, that messages or calls will be delivered or connected, or that data will not be lost.

We do not guarantee any business result, including leads, appointments, sales, approvals, income, or compliance. Career and income information on our site is for illustration only; results vary and depend on your own effort, licensing, and market.

19. Limitation of Liability

To the fullest extent permitted by law, Maxout Insurance and its owner, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, commissions, data, or goodwill, arising out of or related to the Services or your reliance on any information provided through them, even if we were told such damages were possible.

To the fullest extent permitted by law, our total liability for all claims related to the Services is limited to: for CRM customers, the greater of $100 or the amount you paid us for the Services in the 3 months before the event giving rise to the claim; for everyone else, $100.

These limits are a basic part of our agreement and apply even if a remedy fails of its essential purpose. They do not limit liability for fraud, gross negligence, or willful misconduct, or any liability the law does not allow to be limited.

20. Indemnification

To the extent permitted by law, you will defend, indemnify, and hold harmless Maxout Insurance and its owner, employees, contractors, and agents from all claims, damages, losses, fines, penalties (including TCPA statutory damages and carrier fines), costs, and attorneys' fees arising from:

• Your use of the Services or breach of these Terms or the law
• Texts, calls, emails, and recordings sent or made through your account (including by AI features), and the consent for them
• Customer Data and leads you upload, buy, or use
• Your dealings with your leads, clients, insurance companies, agents, and team members, and your insurance sales activities
• Taxes on your account, and privacy or data protection violations by you
• Information you submit that is false or not yours, including a phone number that is not yours

We may control the defense of any claim with counsel we choose, and you will cooperate. You may not settle a claim that affects us without our written consent.

21. Binding Arbitration, Class Action Waiver, and Governing Law

Try to resolve it first

Before starting arbitration or a lawsuit, send a written description of your dispute and what you want to [email protected] and to our mailing address. Both sides will try in good faith to resolve it for 60 days. Deadlines to bring the claim are paused during this time.

Arbitration

Except as stated below, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration under the Federal Arbitration Act, administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (for consumers) or Commercial Arbitration Rules (for everyone else), before one arbitrator. Hearings will take place in Riverside County, California, or by video, and claims under $25,000 may be decided on written submissions. Fees follow the AAA rules, which limit what consumers pay. Mass filings are handled under the AAA's Mass Arbitration Supplementary Rules.

Exceptions: either side may bring an individual claim in small claims court, and either side may go to court to stop misuse of its intellectual property or unauthorized access to the Services. A claim for public injunctive relief, where the law does not allow it to be waived or arbitrated, will be decided in court after the arbitration of all other claims, which will be paused until then.

Class action and jury trial waiver

Disputes will be resolved only on an individual basis, not as a class, collective, consolidated, or representative action, and the arbitrator may not combine claims of different people. If this waiver is found unenforceable for a claim, that claim will proceed in court, not arbitration, and will be paused until any arbitration is complete. If any dispute goes to court, both sides waive the right to a jury trial to the extent the law allows.

Your right to opt out

You may opt out of arbitration by emailing [email protected] within 30 days after you first accept these Terms (or, for existing users, within 30 days after this version is posted) with your name and the words "I opt out of arbitration." Opting out does not affect any other part of these Terms.

Time limit, law, and courts

To the extent the law allows, any claim must be brought within one year after it arises, or it is permanently barred. The Federal Arbitration Act governs this section; otherwise, these Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any dispute not subject to arbitration shall be subject to the exclusive jurisdiction of the state and federal courts located in Riverside County, California. If we change this section, the change will not apply to a dispute you already told us about.

22. General Terms

• Entire agreement. These Terms, the Privacy Policy, plan details, and any signed agreement with us are the entire agreement between us about the Services.
• Severability and waiver. If any part of these Terms is unenforceable, the rest stays in effect. Not enforcing a term is not a waiver of it.
• Assignment. We may transfer these Terms, including in a merger or sale. You may not transfer them without our written consent.
• Force majeure. We are not responsible for delays or failures caused by events beyond our reasonable control, including outages of carriers, internet, cloud, or AI providers, cyberattacks, natural disasters, and government action.
• Electronic communications. You agree to receive notices, agreements, and records electronically, and that clicking to accept is your signature. We send notices to the email on file or in the CRM.
• Legal process. Subpoenas and other legal process must be properly served at our mailing address as the law requires. We do not accept service by email, chat, text, phone, or social media.
• Relationship. We are independent parties; nothing in these Terms creates a partnership, employment, or agency relationship (other than any separate agent agreement you sign with us), and there are no third-party beneficiaries.
• Language. The English version of these Terms controls over any translation.

23. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time. We will notify you of material changes by updating the "Last Updated" date at the top of this page, and we will give CRM users at least 15 days' notice of material changes by email or in the CRM (changes needed for legal reasons or for new features may apply right away). Your continued use of the Services after any changes take effect constitutes your acceptance of the updated terms. If you do not agree, stop using the Services and cancel your plan.

24. Contact Us

If you have questions about these Terms and Conditions, please contact us: