Terms of Service

These Terms of Use (“Terms”) govern your access to and use of the websites, forms, content, and services operated by adsystems.io LLC, doing business as “PolicyClover” (“PolicyClover,” “we,” “us,” or “our”).

By accessing or using our websites or submitting your information through our forms, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our sites or submit your information.

1. Who We Are and What We Do

PolicyClover operates a marketing and lead generation platform in the United States. We:

• Advertise to and collect information from consumers who may be interested in life insurance products (including Indexed Universal Life policies); and
• Share or sell that information as leads to independent, licensed insurance agents and agencies (“Insurance Partners”), who may contact you to discuss their products and services.

We are not an insurance company. We do not issue policies, make underwriting decisions, or guarantee you will receive any particular offer or coverage.

No Responsibility for Insurance Partners. PolicyClover is not responsible for the acts, omissions, representations, or services of any Insurance Partner. We do not control, supervise, or manage how Insurance Partners contact you, what products they recommend, what they say to you, or how they conduct their business. Any quotes, advice, recommendations, sales practices, underwriting decisions, policy terms, and claims handling are solely the responsibility of the Insurance Partner and/or the issuing insurance company.

2. Eligibility; US-Only Service

Our services are intended only for individuals who:

• Are 18 years of age or older, and
• Are residents of the United States

By using our sites or submitting your information, you represent and warrant that you meet these requirements.

We do not knowingly collect information from or provide services to individuals under 18 or outside the United States.

3. No Professional Advice or Guarantees

The information on our sites and in our ads is for general informational and marketing purposes only. It is not:

• Legal, tax, financial, or investment advice
• A guarantee that you will qualify for or receive any particular insurance product
• A recommendation of any specific policy, carrier, or agent

Any descriptions of insurance products or potential benefits are illustrative only and subject to the terms, conditions, and underwriting guidelines of the issuing insurance companies.

Your decision to purchase any insurance product is solely between you and the Insurance Partner(s) you choose to work with. PolicyClover does not guarantee:

• That you will be matched with an Insurance Partner
• That you will qualify for coverage
• Any specific premiums, coverage amounts, or benefits

4. Relationships with Insurance Partners

We may share or sell your information to third‑party Insurance Partners so they can contact you about their products. These Insurance Partners are independent entities and are not employees, agents, or representatives of PolicyClover.

We do not:

• Endorse or guarantee any Insurance Partner;
• Guarantee that any Insurance Partner is properly licensed in your state (you should verify this directly);
• Guarantee the quality, suitability, price, or terms of any product or service offered by an Insurance Partner.

Any dealings between you and an Insurance Partner are solely between you and that Insurance Partner. You agree that PolicyClover will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of any Insurance Partner on or through our services.

5. Your Use of Our Sites and Forms

You agree to use our sites and forms only for lawful purposes and in accordance with these Terms. You agree that:

• You will provide accurate, current, and complete information when submitting forms.
• You will not use false identities, impersonate another person, or submit information on behalf of someone else without authorization.
• You will not attempt to interfere with or disrupt our systems, security, or services.

We reserve the right (but are not obligated) to:

• Refuse, limit, or terminate your access to our sites; and/or
• Reject or delete submissions we believe are fraudulent, abusive, or otherwise inappropriate.

6. Consent to Contact; TCPA

By submitting your information through our forms, you expressly agree and consent that:

• PolicyClover and its Insurance Partners may contact you at the phone number and email address you provide,
• Using automated technologies, including:
  • Auto-dialers
  • AI-generated or prerecorded voice messages
  • SMS text messages
• For marketing and informational purposes related to insurance products, including life insurance and Indexed Universal Life (IUL) policies.

You understand and agree that:

• Message and data rates may apply.
• You can opt out of SMS at any time by replying “STOP” to any message.
• Your consent to be contacted is not required to purchase goods or services, and you may request to be placed on an internal do-not-call list.

The full consent language is displayed near the “Submit” button on our forms and is incorporated into these Terms by reference.

7. Information We Collect and How We Use It

Our collection, use, sharing, and protection of your personal information is described in detail in our Privacy Policy, which is incorporated into these Terms by reference.

By using our sites or submitting your information, you acknowledge that you have read and understand the Privacy Policy and that we may:

• Collect the information you provide (e.g., name, phone, email, occupation);
• Automatically collect device and usage data (e.g., IP address, cookies, pixels);
• Obtain additional information about you from third-party data providers and consumer reporting agencies (e.g., address, age band, income band, credit-related attributes);
• Use this data to evaluate your eligibility for certain insurance options and to connect you with Insurance Partners; and
• Share or sell your information to those Insurance Partners and certain service providers, as described in the Privacy Policy.

8. Enrichment and Soft Credit Inquiries

You acknowledge and agree that, after you submit your information, PolicyClover may:

• Obtain information about you from consumer reporting agencies and other data providers, and
• Use this information to help evaluate your eligibility for life insurance options and to match you with appropriate Insurance Partners.

This may include soft credit inquiries or the use of modeled credit attributes, which do not affect your credit score. Details are provided in the Privacy Policy and in the consent language on our forms.

9. Intellectual Property

All content on our sites, including text, graphics, logos, images, videos, software, and design (“Content”), is owned by or licensed to PolicyClover and is protected by intellectual property laws.

You may view and use the Content for your personal, non-commercial use in connection with evaluating our services. You may not:

• Copy, reproduce, distribute, or create derivative works from the Content
• Use any trademarks, logos, or branding without our prior written consent
• Use bots, scrapers, or automated systems to access or copy Content

10. Third-Party Sites and Services

Our sites and communications may link to or integrate with third-party websites, apps, or services (including Insurance Partner sites, carriers, and other vendors). We are not responsible for:

• The content, privacy practices, or terms of those third parties; or
• Any products or services offered by them.

Your use of third-party sites and services is at your own risk and subject to their own terms and policies.

11. Disclaimer of Warranties

YOUR USE OF OUR SITES AND SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, POLICYCLOVER PROVIDES ALL SITES, CONTENT, AND SERVICES “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

WITHOUT LIMITING THE FOREGOING, WE DISCLAIM ANY WARRANTIES OF:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• TITLE
• AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE

We do not warrant that our sites or services will be:

• Uninterrupted, secure, or error-free, or
• That any defects will be corrected.

We do not guarantee that any particular number or quality of leads, offers, or insurance outcomes will be generated for any user or Insurance Partner.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

Without limiting the foregoing, we are not liable for any acts, errors, or omissions of Insurance Partners or any third parties to whom we may provide or sell your information.

POLICYCLOVER (AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES) WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) OUR SITES OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS, OUR SITES, OR SERVICES WILL NOT EXCEED THE GREATER OF:

• (A) ONE HUNDRED U.S. DOLLARS (US $100), OR
• (B) THE AMOUNT YOU DIRECTLY PAID TO POLICYCLOVER (IF ANY) FOR USE OF THE SITES OR SERVICES GIVING RISE TO THE CLAIM.

Some states do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the maximum extent permitted by applicable law.

13. Indemnification

You agree to indemnify, defend, and hold harmless PolicyClover and its owners, officers, employees, contractors, and affiliates from and against any and all losses, liabilities, claims, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of our sites or services
• Your violation of these Terms
• Your violation of any applicable law or rights of any third party

14. Governing Law and Dispute Resolution

These Terms and any disputes arising out of or related to them or your use of our sites/services will be governed by the laws of the State of Wyoming, without regard to its conflict of law principles.

14.1 Informal Resolution

Before filing any formal claim, you agree to first contact us at admin@adsystems.io and attempt to resolve the dispute informally.

14.2 Arbitration; Class Action Waiver

If we cannot resolve the dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms, our sites, or services will be resolved by binding arbitration on an individual basis, rather than in court, except that you and we may bring qualifying claims in small-claims court.

The arbitration will be conducted in Sheridan County, Wyoming, or by remote means, by a single arbitrator from a recognized arbitration provider.

You and we waive any right to participate in a class, collective, or representative action. Arbitration must be on an individual basis only.

You may opt out of this arbitration provision by sending written notice to:

within 30 days of your first use of our sites or services.

15. Changes to These Terms

We may update these Terms from time to time. When we do, we will change the “Last Updated” date at the top. If we make material changes, we may also provide additional notice (e.g., on our websites or by email).

Your continued use of our sites or services after any changes means you accept the updated Terms.

16. Contact Us