(850) 547-6423

Terms of Use

Effective Date: March 19, 2026 | Last Updated: March 19, 2026

1. Acceptance of Terms

Prodigy Innovative Ventures ("Company," "we," "us," or "our") is an insurance lead generation and marketing organization with its principal place of business in West Palm Beach, Florida. These Terms of Use ("Terms") govern your access to and use of our website(s), landing page(s), lead capture forms, and all related services (collectively, the "Services").

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR WEBSITE OR SUBMITTING ANY FORM. By accessing or using our website, clicking any checkbox, or submitting any lead capture or quote request form, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately cease using our website and Services.

Your agreement to these Terms is evidenced by any of the following actions:

These Terms constitute a legally binding agreement between you and Prodigy Innovative Ventures. If you are agreeing on behalf of an entity, you represent that you have authority to bind that entity to these Terms.

2. Description of Services

The Company operates an insurance lead generation platform that connects consumers who are seeking life insurance products — including term life, whole life, and final expense coverage — with licensed insurance agents and insurance carriers. Our Services include the following:

2.1 Lead Generation & Quote Requests

Our primary service is facilitating the submission of quote requests and lead inquiries from consumers seeking insurance coverage. When you submit information through our website forms, we collect your contact details and insurance-related information and make that information available to licensed insurance agents and carriers who may be able to assist you. We operate as a lead generation intermediary; we are not an insurer and we do not sell or underwrite insurance policies.

2.2 Educational Content

We may provide general educational information about life insurance products, coverage types, underwriting considerations, and related topics. All such content is for general informational purposes only and does not constitute insurance advice, financial advice, or legal advice. No content on our website should be relied upon as a substitute for consultation with a licensed insurance professional.

2.3 Communication Services

We use multiple communication channels to follow up with consumers who have submitted inquiries, including telephone calls (live agent and automated/predictive dialer), AI-generated voice calls, prerecorded messages, text messages (SMS/MMS), AI-generated text messages, email marketing, and direct mail. Details of these communication channels and the consent you provide by using our Services are set forth in Section 5 below.

2.4 Lead Management Platform

We utilize a third-party lead management and distribution platform (currently Boberdoo, accessible at prodigyinsurance.leadportal.com) to manage, distribute, and track lead inquiries. Your information submitted through our forms may be routed through this platform to insurance agents and carriers.

2.5 Scope of Services

Our Services are limited to lead generation and related marketing activities. We do not provide medical advice, financial planning services, or legal services. We do not guarantee that any insurance agent or carrier will offer you coverage, that any quoted rate will be available to you, or that any coverage will meet your specific needs.

3. Eligibility

To use our Services and submit a lead or quote request, you must meet all of the following eligibility requirements:

We reserve the right to refuse Services to any person who does not meet these eligibility requirements or who we believe has violated or may violate these Terms. We may verify eligibility information at any time.

4. User Representations & Warranties

By using our Services and/or submitting a form, you represent, warrant, and covenant to the Company that:

4.1 Accuracy of Information

All information you provide to us — including but not limited to your name, mailing address, telephone number(s), email address, date of birth, and insurance-related inquiries — is accurate, current, complete, and truthful to the best of your knowledge. You will promptly notify us if any information you have provided becomes inaccurate or outdated.

4.2 Authorization to Provide Contact Information

You are the subscriber, account holder, or customary user of the telephone number(s) and email address(es) you provide, or you have obtained the express prior authorization of the subscriber, account holder, or customary user of those numbers and addresses to provide them to us and to consent on their behalf to the communications described in Section 5 below. You understand that providing a telephone number belonging to another person without their authorization may constitute a violation of the TCPA and applicable state laws and may expose you and us to legal liability.

4.3 Understanding of Nature of Service

You understand and acknowledge that:

4.4 Lawful Purpose

You will use our Services only for lawful purposes and in compliance with all applicable federal, state, and local laws, regulations, and ordinances. You will not use our Services for any fraudulent, deceptive, harmful, abusive, or otherwise unlawful purpose.

4.5 No Interference

You will not use our Services in any manner that could impair, overburden, damage, disable, or otherwise interfere with the proper working of our website or Services, or with any other party's use and enjoyment of our website or Services.

5. Consent to Contact — Comprehensive Communications Consent

THIS SECTION CONTAINS IMPORTANT CONSENT LANGUAGE THAT GOVERNS HOW WE AND OUR PARTNERS MAY CONTACT YOU. By submitting any form on our website, you are providing the consents described in this Section 5. Please read this entire section carefully. All consents in this section are freely given and voluntary — none of them are a condition of purchasing any insurance product or service.

5.1 Express Written Consent — Autodialed, Predictive Dialer & ATDS Calls

By submitting a form on our website, you provide your prior express written consent, as that term is defined under the Telephone Consumer Protection Act (47 U.S.C. § 227) and its implementing regulations (47 C.F.R. § 64.1200), to receive telephone calls at the telephone number(s) you provide, including your mobile cellular telephone number(s), placed using:

Such calls may be made by or on behalf of the Company and by licensed insurance agents, insurance carriers, and other insurance industry partners to whom your lead information is distributed. These calls may be made for the purpose of marketing, discussing, or offering insurance products and services, following up on your inquiry, verifying information you have submitted, or for any other purpose related to our Services.

5.2 Express Written Consent — Prerecorded & AI-Generated Voice Messages

By submitting a form on our website, you provide your prior express written consent to receive telephone calls and voicemail messages that include:

You acknowledge that under the FCC's February 2024 ruling, AI-generated voices are subject to TCPA prior express written consent requirements, and you are providing that consent here. You have the right to revoke this consent at any time as described in Section 5.10 below.

5.3 Express Written Consent — AI-Generated Text Messages & SMS/MMS

By submitting a form on our website, you provide your prior express written consent to receive text messages (SMS and MMS) at the mobile telephone number(s) you provide, including:

Text messages may be sent for marketing, informational, transactional, or customer service purposes related to your insurance inquiry. Message and data rates may apply. Frequency varies; you may receive multiple messages per day depending on your inquiry status and the number of insurance partners to whom your lead is distributed. You have the right to opt out of text messages at any time as described in Section 5.10 below.

5.4 Express Written Consent — Direct Mail

By submitting a form on our website, you provide your consent to receive direct mail communications at the mailing address you provide, including:

You have the right to opt out of direct mail at any time by contacting us as described in Section 5.10 below. Please allow up to 30 days for direct mail opt-outs to take effect in all active mailing campaigns. To reduce unsolicited mail from multiple sources, you may also register with the Direct Marketing Association's Mail Preference Service at www.dmachoice.org.

5.5 Express Written Consent — Email Marketing

By submitting a form on our website, you provide your consent to receive marketing and commercial email communications at the email address(es) you provide, including:

All marketing emails will comply with the federal CAN-SPAM Act, including clear identification of the sender, a valid physical postal address, and a clear and conspicuous mechanism to unsubscribe. You may opt out of marketing emails at any time by clicking the "unsubscribe" link included in any marketing email or by contacting us as described in Section 5.10 below.

5.6 Consent to Call Recording & Monitoring

By submitting a form on our website and by participating in any telephone call with us or our insurance agent and carrier partners, you provide your consent to the recording and monitoring of those calls for purposes including but not limited to quality assurance, training, compliance, documentation, dispute resolution, and regulatory recordkeeping.

TWO-PARTY CONSENT STATE DISCLOSURE: If you are located in a state that requires all-party or two-party consent for call recording — including California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Montana, New Hampshire, Pennsylvania, and Washington — your consent to call recording provided herein satisfies the requirement for your consent. You are hereby notified that calls may be recorded. If at any point during a call you do not consent to recording, please notify the agent at the outset of the call.

You also consent to the use of recorded calls and call transcripts for:

5.7 Consent to AI Behavioral Data Collection & Analysis

By using our website and submitting information through our forms, you consent to the collection, retention, and analysis of behavioral data about your interactions with our website, including but not limited to:

This behavioral data may be processed by artificial intelligence and machine learning algorithms for purposes including lead scoring, fraud detection, personalization of content and communications, analysis of user experience, and optimization of our Services. The results of this analysis may influence which insurance agents and carriers receive your lead, the order and timing of contact attempts, and the content of communications you receive. For more information about AI-based automated decision-making and your rights regarding it, see our Privacy Policy.

5.8 Consent to Lead Distribution to Insurance Carriers & Agents

By submitting a form on our website, you expressly consent to the disclosure and distribution of the personal information you provide — including your name, telephone number(s), email address, mailing address, date of birth, and insurance-related inquiry details — to:

You understand that your lead information may be distributed to multiple parties simultaneously or sequentially, and that you may be contacted by multiple licensed insurance agents or carriers. The Company does not control the conduct of third-party recipients of your information after distribution; those parties' communications with you are governed by their own terms and consent disclosures, as well as by applicable law.

5.9 Consent is NOT a Condition of Purchase

IMPORTANT: Your consent to receive calls, texts, emails, direct mail, and other communications as described in this Section 5 is entirely voluntary. Providing this consent is NOT a condition of purchasing any insurance product or service, and your refusal to provide this consent will not affect your eligibility for or the price of any insurance coverage. You may obtain insurance quotes and coverage through other means without providing the consents described herein.

5.10 How to Revoke Consent

You have the right to revoke any or all of the consents provided in this Section 5 at any time. Revocation may be made by any reasonable means, including the following:

Processing Time: We will honor your revocation request within 10 business days of receipt, consistent with FCC rules effective April 11, 2025. Please be aware that you may receive additional communications during the processing period, which do not constitute violations of your revocation request. After processing, we will update our internal do-not-contact list. Note that revoking consent with us does not automatically revoke consent with insurance agents and carriers who have already received your lead and who maintain their own consent records; you may need to contact those parties separately.

5.11 Calling Hours

We and our insurance agent and carrier partners will observe the following calling hours restrictions:

5.12 Message & Data Rates; Frequency

Message and data rates may apply to text messages you send to and receive from us. Your mobile carrier's standard message and data rates will apply. You should check with your carrier regarding any applicable fees before opting in to text message communications.

The frequency of text messages and calls will vary depending on:

Under the Florida Telephone Solicitation Act, callers are limited to no more than three (3) calls to the same person about the same subject matter within a 24-hour period. We and our Florida-licensed agent partners will comply with this restriction. For support or information about our text message program, text HELP to any message you receive from us or contact us at (850) 547-6423 or alex@ahainsure.com.

6. Lead Generation & Distribution Disclosure

6.1 Nature of Our Business

The Company is an insurance lead generation business. Our primary commercial activity is the generation, qualification, and distribution of insurance leads to licensed insurance agents, carriers, and industry partners. We are compensated for the distribution of lead information. By using our Services, you acknowledge and understand that our business model involves the commercial distribution of your information as described in this Section.

6.2 Form Submission as Contact Request

Submitting a form on our website constitutes your express request to be contacted by licensed insurance agents and carriers regarding the insurance products you have inquired about. You understand that form submission initiates a process whereby your information is made available to multiple potential insurance providers, any of whom may contact you independently.

6.3 Lead Distribution via Lead Management Platform

We utilize Boberdoo (prodigyinsurance.leadportal.com) and potentially other lead management platforms to manage and distribute your lead information. Upon form submission, your information is processed, potentially scored and filtered based on certain criteria, and distributed to one or more licensed insurance agents, agencies, or carriers in our partner network. This distribution may occur in real time or within minutes of form submission.

6.4 Multiple Party Contact

You may be contacted by more than one licensed insurance agent or carrier as a result of a single form submission. This is a normal and expected feature of our lead generation business. Each party that contacts you is an independent entity; the Company does not control the conduct, representations, or offers made by third-party agents and carriers.

6.5 Data Sale & Transfer Disclosure

Your personal information, including your name, telephone number(s), email address, mailing address, and insurance inquiry details, may be sold, licensed, or otherwise transferred to insurance industry data buyers, lead aggregators, and insurance marketing partners. Such sales or transfers are a core element of our lead generation business model. You have the right to opt out of the sale or sharing of your personal information under applicable state law (see Section 9 and our Privacy Policy for details on exercising these rights).

6.6 Lead Freshness & FTC TSR Compliance

Consistent with FTC Telemarketing Sales Rule guidance, we will endeavor to ensure that any call made based on your express written consent occurs within 30 days of the date of that consent. We maintain records of all consent timestamps to support compliance with this requirement.

7. Insurance Disclaimers

7.1 Not an Insurance Company

The Company is not a licensed insurance company, insurance underwriter, or insurance carrier. We do not issue, underwrite, guarantee, or back any insurance policy. We are an insurance lead generation and marketing organization. The Company and this website do not constitute an insurance agent or broker providing advice, and nothing on this website should be construed as insurance advice tailored to your individual circumstances.

7.2 Licensed Agent Will Contact You

Following your inquiry, a licensed insurance agent — licensed in your state of residence and authorized to sell the type of insurance you have inquired about — will contact you to discuss your insurance needs and provide quotes. Insurance products and their availability vary by state. Not all products or carriers are available in all states. The agent who contacts you will be able to confirm which products and carriers are available to you.

7.3 No Guarantee of Coverage or Rates

Nothing on our website, in any quote, or in any communication from us or our partners constitutes a guarantee, commitment, or offer of insurance coverage. All insurance coverage is subject to full underwriting review and approval by the applicable insurance carrier. The carrier reserves the right to approve or decline any application for coverage, to modify any quoted rate, or to offer coverage on different terms than initially discussed, based on underwriting guidelines, medical information, and other factors.

7.4 Quotes Are Estimates Only

Any premium estimates, rate quotes, or cost illustrations provided through our website or by agents contacted through our Services are estimates only. Actual premiums are determined by the insurance carrier following a complete underwriting review and will be set forth in any formal policy offer. Rates and availability are subject to change. Factors affecting actual premiums include but are not limited to age, health status, tobacco use, occupation, state of residence, coverage amount, coverage type, and the specific insurance carrier's underwriting criteria.

7.5 Coverage Subject to Underwriting

All insurance coverage is subject to the terms, conditions, exclusions, and limitations of the applicable insurance policy issued by the carrier. Policy documents, not marketing materials or agent representations, govern the terms of any insurance coverage. You should carefully review any policy you are offered before completing an application or making a premium payment.

7.6 Licensing

Company personnel and partner agents involved in discussing insurance products with you are, to our knowledge, duly licensed in the states where they conduct insurance-related activities. If you have questions about the licensing status of any agent who contacts you, you may verify licensure through your state's Department of Insurance website or by contacting the agent directly.

7.7 McCarran-Ferguson Act Notice

Insurance regulation is primarily the domain of state governments under the McCarran-Ferguson Act (15 U.S.C. § 1011 et seq.). State insurance regulations may supplement or supersede federal telemarketing rules with respect to insurance-related solicitations. We and our licensed agent partners are committed to compliance with applicable state insurance regulations in all states where we conduct business.

8. TCPA & Telemarketing Compliance

8.1 Your Rights Under the TCPA

The Telephone Consumer Protection Act (47 U.S.C. § 227) grants consumers important rights with respect to telemarketing calls and text messages. These rights include:

8.2 Do Not Call Rights

You have the right to register your telephone number with the National Do Not Call Registry at www.donotcall.gov. Registration on the National DNC Registry limits telemarketing calls from companies that do not have your prior express consent. However, registration on the National DNC Registry does not prevent calls from companies with whom you have provided prior express written consent, as you have done by submitting our form. You may revoke your consent with us at any time as described in Section 5.10.

We maintain internal Do Not Call lists and scrub our calling lists against the National DNC Registry prior to making outbound calls. If you wish to be added to our internal DNC list, contact us using any of the methods described in Section 5.10 or Section 19.

8.3 FTC Telemarketing Sales Rule (TSR)

Our telemarketing activities are also subject to the Federal Trade Commission's Telemarketing Sales Rule (16 C.F.R. Part 310). The TSR prohibits certain deceptive and abusive telemarketing practices and imposes disclosure requirements for telemarketing calls. We are committed to compliance with the TSR in all outbound telemarketing activities conducted through our Services.

8.4 Right to File Complaints

If you believe you have received calls or texts in violation of the TCPA or applicable telemarketing laws, you have the right to:

Before filing a complaint or initiating legal action, we encourage you to contact us directly at alex@ahainsure.com or (850) 547-6423 so that we may investigate and address any concerns.

8.5 Consent Documentation

We maintain records documenting the consent provided by each individual through our website forms, including the date and time of consent, the IP address from which the form was submitted, and the exact consent language presented at the time of submission. These records are retained for a minimum of four (4) years to support compliance with applicable statutes of limitations for TCPA and state telemarketing claims.

9. State-Specific Terms

9.1 Florida Residents — Florida Telephone Solicitation Act (FTSA)

Florida residents are afforded additional rights and protections under the Florida Telephone Solicitation Act (Fla. Stat. § 501.059 et seq.), which is more restrictive than the federal TCPA in several respects:

9.2 California Residents — CCPA/CPRA Rights

California residents have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

California residents may also have rights under the California "Shine the Light" law (Cal. Civ. Code § 1798.83) to request information about personal data disclosed to third parties for direct marketing purposes.

9.3 Residents of Other States

Residents of other states with comprehensive privacy laws — including Virginia, Colorado, Connecticut, Texas, Utah, Montana, Oregon, Delaware, Iowa, Indiana, Kentucky, Rhode Island, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Washington, and Oklahoma — may have additional rights under those states' telemarketing and privacy laws. These state-specific rights are described in detail in our Privacy Policy, which is incorporated into these Terms of Use by this reference. The state-specific provisions of our Privacy Policy, including consumer rights, opt-out mechanisms, and telemarketing compliance disclosures, are deemed to be part of these Terms of Use in their entirety.

9.4 Two-Party Consent States — Additional Notice

If you are a resident of California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Montana, New Hampshire, Pennsylvania, or Washington, or if you are located in any of these states at the time of any call, please be aware that these states require the consent of all parties to a telephone call for recording to be lawful. By using our Services, you consent to the recording of any call as provided in Section 5.6 above. This consent is given in addition to any consent provided verbally during a call.

10. Intellectual Property

10.1 Ownership

All content on our website and in our Services — including but not limited to text, copy, graphics, logos, icons, images, audio, video, software, data compilations, page layout, design, user interface elements, and the selection and arrangement of content — is the property of Prodigy Innovative Ventures or its licensors and is protected by United States copyright, trademark, trade dress, patent, and other intellectual property laws, as well as applicable international intellectual property treaties.

10.2 Trademarks

The name "Prodigy Innovative Ventures," our logos, and all related brand elements are trademarks or service marks of the Company. You may not use any Company trademark, service mark, or trade name without our prior written consent. Nothing in these Terms grants you any license or right to use any Company trademark or trade name.

10.3 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our website for your personal, non-commercial purposes of seeking insurance information and requesting insurance quotes. This license does not include any right to:

10.4 User Submissions

By submitting information to us through our website forms, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, process, and disclose that information as described in these Terms and our Privacy Policy for the purposes of providing our Services, including lead distribution and related marketing activities.

11. Prohibited Conduct

You agree that you will not engage in any of the following activities in connection with your use of our website or Services:

11.1 Submission of False Information

Providing false, misleading, inaccurate, or fabricated information in any form submission, including providing a telephone number or email address that does not belong to you or that you are not authorized to provide. Submitting false information may constitute fraud and may expose you to civil and criminal liability.

11.2 Interference with Services

Taking any action that could damage, disable, overburden, impair, or otherwise interfere with our website, servers, networks, or the Services, including but not limited to: denial-of-service attacks, distributing malware or viruses, exploiting security vulnerabilities, unauthorized access attempts, or any other conduct that disrupts the normal operation of our website or Services.

11.3 Automated Data Collection / Extracting

Using bots, spiders, web extractors, automated scripts, or any other automated means to access, collect, copy, or monitor our website or its content, or to extract or aggregate data from our website, without our express prior written consent.

11.4 Reverse Engineering

Attempting to reverse engineer, decompile, disassemble, or otherwise derive the source code or underlying structure of any software, technology, or system used in connection with our website or Services.

11.5 Impersonation

Impersonating any person or entity, including the Company, any Company employee, any insurance agent or carrier, or any other user of our Services, or falsely representing your affiliation with any person or entity.

11.6 Misuse of Services

Using our Services for any purpose other than seeking information about or requesting quotes for personal insurance coverage, including but not limited to: competitive intelligence gathering, testing our systems without authorization, submitting fake leads, or any other use that is not the intended purpose of our Services.

11.7 Legal Violations

Using our website or Services in any manner that violates any applicable federal, state, or local law, regulation, or ordinance, including but not limited to laws governing privacy, data protection, telecommunications, fraud, and consumer protection.

12. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by applicable law, the Company disclaims all warranties, express, implied, statutory, or otherwise, including but not limited to:

Some states do not allow the exclusion of implied warranties. In those states, the above exclusions apply to the maximum extent permitted by applicable law. Your rights may vary by state.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE OUR WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.1 Cap on Liability

To the maximum extent permitted by applicable law, the Company's total aggregate liability to you for all claims arising out of or related to your use of our website or Services — whether based on contract, tort (including negligence), strict liability, or any other legal theory — will not exceed the greater of: (a) the total amount you have paid to the Company in the twelve (12) months preceding the event giving rise to the claim, or (b) One Hundred Dollars ($100.00).

13.2 Specific Exclusions

Without limiting the generality of the foregoing, the Company will not be liable for:

13.3 Basis of the Bargain

You acknowledge that the limitations of liability in this Section 13 reflect a reasonable allocation of risk and form an essential basis of the bargain between you and the Company. You agree that these limitations will apply even if any limited remedy fails of its essential purpose.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the Company's liability will be limited to the fullest extent permitted by applicable law.

14. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, representatives, licensors, and service providers (collectively, "Indemnified Parties") from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees and litigation costs) arising out of or relating to:

We reserve the right, at your expense, to assume exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of those claims. You agree not to settle any such matter without our prior written consent. We will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

15. Governing Law & Dispute Resolution

15.1 Governing Law

These Terms, and any dispute, claim, or controversy arising out of or relating to these Terms or your use of our website or Services, will be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

15.2 Mandatory Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND YOUR RIGHT TO A JURY TRIAL.

Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms, our website, our Services, or your use of any of the foregoing — including any question regarding the existence, validity, interpretation, breach, or termination of these Terms — will be resolved exclusively through binding individual arbitration administered by a recognized arbitration organization (such as the American Arbitration Association or JAMS) in accordance with its then-current consumer arbitration rules. The arbitration will be conducted in Palm Beach County, Florida, or by telephone or video conference at the election of either party.

15.3 Class Action Waiver

YOU AND THE COMPANY EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If for any reason a claim proceeds in court rather than in arbitration, you and the Company each waive any right to a jury trial and any right to participate in a class action lawsuit or class-wide arbitration.

15.4 Exceptions to Arbitration

Notwithstanding the foregoing, the following claims are not subject to mandatory arbitration:

15.5 Venue for Non-Arbitrable Claims

For any dispute that is not subject to arbitration under these Terms, you and the Company consent to the exclusive personal jurisdiction of the state and federal courts located in Palm Beach County, Florida, and waive any objection to the exercise of jurisdiction by those courts or to the laying of venue in Palm Beach County, Florida.

15.6 Time Limitation on Claims

Any claim or cause of action arising out of or related to your use of our website or Services or these Terms must be filed within one (1) year after such claim or cause of action arose. If not filed within this period, the claim or cause of action will be forever barred, except where a longer period is required by applicable law.

16. Severability

If any provision of these Terms is held by a court of competent jurisdiction or an arbitrator to be invalid, illegal, or unenforceable for any reason — including by reason of being overly broad in scope, duration, or geographic coverage — that provision will be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it will be severed from these Terms. The invalidity or unenforceability of any provision will not affect the validity or enforceability of the remaining provisions of these Terms, which will remain in full force and effect.

Notwithstanding the foregoing, if the class action waiver in Section 15.3 is found to be unenforceable in connection with a particular claim, the arbitration provision in Section 15.2 will not apply to that claim, which will be resolved through litigation in the courts identified in Section 15.5.

17. Entire Agreement

These Terms of Use, together with our Privacy Policy (which is incorporated herein by reference in its entirety), constitute the entire agreement between you and the Company regarding your use of our website and Services, and supersede all prior and contemporaneous agreements, representations, warranties, understandings, and negotiations between you and the Company — whether oral, written, or electronic — concerning the subject matter of these Terms.

In the event of a conflict between these Terms of Use and our Privacy Policy, these Terms of Use will govern with respect to matters relating to the terms and conditions of use, user conduct, dispute resolution, and limitation of liability; and the Privacy Policy will govern with respect to matters relating to the collection, use, disclosure, and protection of personal information.

No waiver by the Company of any term or condition set forth in these Terms will be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure by the Company to assert a right or provision under these Terms will not constitute a waiver of such right or provision.

18. Changes to Terms

We reserve the right to modify, amend, update, or replace these Terms at any time in our sole discretion, subject to the following:

YOUR CONTINUED USE OF OUR WEBSITE OR SERVICES AFTER THE EFFECTIVE DATE OF ANY CHANGES TO THESE TERMS CONSTITUTES YOUR ACCEPTANCE OF THOSE CHANGES. If you do not agree to the revised Terms, you must immediately cease using our website and Services. We encourage you to review these Terms periodically — particularly the consent provisions in Section 5 — to ensure you understand the terms governing your use of our Services.

We may make non-material changes (such as corrections of typographical errors, clarifications, or updates to contact information) without providing advance notice. Such changes will not affect the substantive rights or obligations of either party.

19. Contact Information

If you have questions or concerns about these Terms of Use, wish to revoke consent under Section 5, wish to exercise privacy rights under Section 9, wish to be added to our internal Do Not Call list, or have any other inquiry related to our Services, please contact us using any of the following methods:

Prodigy Innovative Ventures
West Palm Beach, FL

Phone: (850) 547-6423
Email: alex@ahainsure.com

For consent revocation or opt-out requests, include your full name and all telephone numbers and email addresses you wish to remove. Revocations will be honored within 10 business days of receipt.

For privacy rights requests (including California CCPA/CPRA or other state law requests), use the subject line identifying your state and the right you wish to exercise (e.g., "California — Right to Delete" or "Florida — Opt Out of Sale"). Include your full name, mailing address, and the phone number and/or email address associated with your inquiry so that we can locate and verify your records.

For direct mail opt-out requests, include your full name and mailing address. Allow up to 30 days for direct mail opt-outs to take effect across all active mailing campaigns.

For general questions about these Terms, please use the email address above or call us during normal business hours.

National Do Not Call Registry: To reduce unwanted telemarketing calls from multiple companies, you may register your telephone number at www.donotcall.gov. To file a complaint about a telemarketing call, visit reportfraud.ftc.gov or contact the FCC at fcc.gov.

These Terms of Use were prepared for Prodigy Innovative Ventures. They reflect federal law (TCPA, CAN-SPAM, FTC TSR, McCarran-Ferguson Act), Florida law (FTSA, Florida Digital Bill of Rights), and applicable state privacy and telemarketing laws as of the effective date. These Terms should be reviewed with qualified legal counsel and updated as laws change. Nothing in these Terms constitutes legal advice.