Terms of Service
Last Updated: January 2025
Welcome to Insuring Impact, LLC dba OPM Life Group (“Insuring Impact,” “OPM Life Group,” “OPM Life,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our websites, applications, and other products and services, including training programs, events, and communication platforms (collectively, the “Services”).
By using our Services, you agree to these Terms. If you do not agree, please do not access or use our Services. Additional terms may apply to specific features or services, and in the event of a conflict, those terms will take precedence.
If you have questions, please contact us at [email protected].
1. Eligibility.
You must be at least 18 years old to use our Services. By accessing or using the Services on behalf of an entity, you represent that you are authorized to bind that entity to these Terms.
2. Account Registration and Security
a. To access certain features of our Services, you may need to create an account. You agree to:
i. Provide accurate and current information.
ii. Maintain the confidentiality of your account credentials.
iii. Notify us immediately of unauthorized access to your account.
You are responsible for all activities under your account.
3. Privacy
Your use of our Services is subject to our [Privacy Policy], which explains how we collect, use, and protect your information.
4. Use of Services:
We grant you a limited, nonexclusive, nontransferable license to use our Services in accordance with these Terms.
a. You agree not to:
i. Use the Services for unlawful purposes.
ii. Upload content that infringes on others’ rights or violates applicable laws.
iii. Interfere with or disrupt the functionality of the Services.
iv. Reverse engineer, disassemble, or attempt to discover the source code of any part of the Services.
5. User Content
a. You retain ownership of the content you submit through our Services (“User Content”). By submitting User Content, you grant Insuring Impact a worldwide, royalty-free license to use, reproduce, modify, distribute, and display it solely for the purpose of operating and improving the Services.
b. You represent that:
i. You own or have the necessary rights to share the User Content.
ii. Your User Content does not violate any laws or third-party rights.
We may remove User Content that violates these Terms at our discretion.
6. Prohibited Conduct
a. You agree not to:
i. Engage in harassment, threats, or harmful behavior.
ii. Impersonate others or misrepresent your identity.
iii. Use the Services to transmit spam or unauthorized communications.
iv. Use automated means (e.g., bots) to access the Services.
Violation of this section may result in termination of your access to the Services.
7. Termination
We may suspend or terminate your access to the Services at any time for any reason, including violation of these Terms. Upon termination, you must cease all use of the Services.
8. Intellectual Property
All content, trademarks, and logos on the Services are owned by Insuring Impact or our licensors. You may not use, reproduce, or distribute any content from the Services without our prior written permission.
9. Third-Party Content
Our Services may include links to third-party websites or services. We are not responsible for the content, terms, or policies of third parties, and you access them at your own risk.
10. Disclaimer of Warranties
The Services are provided “as is” and “as available.” We make no warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
11. Limitation of Liability
To the fullest extent permitted by law, Insuring Impact is not liable for indirect, incidental, or consequential damages arising from your use of the Services.
12. Indemnification
You agree to indemnify and hold harmless Insuring Impact, its affiliates, and employees from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.
13. Dispute Resolution and Governing Law
Any disputes will be resolved through binding arbitration in California, except where prohibited by law. These Terms are governed by the laws of the State of California, without regard to conflict of law principles.
14. Changes to These Terms:
We may update these Terms periodically. Continued use of the Services after changes are posted constitutes your acceptance of the updated Terms.
15. Contact Us
If you have questions or concerns about these Terms, please contact us at:
Insuring Impact, LLC dba OPM Life Group
Email: [email protected]
Address: 490 Chadbourne Road Suite A158C Fairfield, CA 94534