Terms & Conditions
1. WHO WE ARE
The website at thefrankplan.com and related pages, emails, and tools ("Services") are provided by Stallion Leads ("Company," "we," "us," "our"). Mailing address available on request. Contact: Info@thefrankplan.com.
We act solely as a marketing agency. We are not licensed insurance agents or brokers and do not provide insurance advice.
2. ACCEPTANCE OF TERMS
By accessing or using the Services, you agree to these Terms and to our Privacy and Cookie policies. If you do not agree, do not use the Services. We may update these Terms at any time by posting a revised date above; continued use means you accept the changes.
3. ELIGIBILITY; ACCOUNTS
You must be at least 18 (or the age of majority in your region). If you create an account, keep credentials confidential and you are responsible for all activity.
4. WHAT WE DO; NO PROFESSIONAL ADVICE
Content and tools are for general educational purposes only and may be incomplete, inexact, or outdated. We do not provide legal, tax, medical, financial, or insurance advice and we do not bind coverage or quote rates. No advisor-client, broker-client, or attorney-client relationship is created by your use. Consult qualified professionals before acting.
5. LEADS, REFERRALS, AND COMPENSATION DISCLOSURE
We may be compensated by third-party providers when you click links, submit a form, request information, or purchase ("Paid Placements"). Compensation may influence placement or presentation and does not constitute endorsement. We do not guarantee approval, pricing, availability, coverage, or outcomes. By submitting a form, you authorize us to transmit your information to applicable third-party providers and you consent to their contacting you as described in Section 6.
6. ELECTRONIC COMMUNICATIONS; CONSENT TO CONTACT; SMS
By providing your contact details, you agree that The Frank Plan and its independent partners (such as licensed insurance agents/agencies) may contact you regarding your inquiry by phone, text/SMS, email, or other electronic means. This may include use of an automatic telephone dialing system, artificial or prerecorded voice messages, and/or automated text messaging.
Consent Not Required: Your consent is not a condition of purchase.
Message Frequency & Costs: Message frequency varies. Message and data rates may apply.
Opt-Out: You may withdraw consent at any time. Reply STOP to cancel texts, HELP for help, or use the unsubscribe instructions in emails.
Program Terms: Carriers are not liable for delayed or undelivered messages.
Canadian Users: For users in Canada, you consent to receive such communications in accordance with Canada's Anti-Spam Legislation (CASL). You may withdraw consent at any time.
By providing your contact details, you authorize The Frank Plan (operated by Stallion Leads) to share your information with independent, licensed insurance providers and their agents. Those providers may contact you directly by phone, text, or email regarding your inquiry. The Frank Plan itself may send limited service-related communications (such as verification codes), but we do not place telemarketing calls. Once your information is shared, providers act as independent businesses and are solely responsible for their own communications and compliance with applicable laws, including Do-Not-Call rules, TCPA, and CASL. Please direct any unsubscribe or opt-out requests regarding their communications to them directly.
7. THIRD-PARTY PROVIDERS AND LINKS
Third-party providers are independent and not controlled by us. Their products/services are governed by their terms and privacy policies. We are not responsible for any third-party acts, omissions, content, pricing, or availability. Transactions you enter are solely between you and the third-party provider.
8. INTELLECTUAL PROPERTY
All content, design, logos, trademarks, text, graphics, software, and data in the Services are owned by us or our licensors and protected by law. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for personal, non-commercial purposes. All other rights are reserved.
9. ACCEPTABLE USE; NO SCRAPING; NO AI TRAINING
Do not misuse the Services. Prohibited conduct includes: violating laws or rights; infringing IP; reverse engineering; bypassing security; uploading malware; overloading or disrupting infrastructure; misrepresenting identity; or harvesting data without consent. Automated access (crawling, scraping, bots) is prohibited without our written consent. You may not use any Service content to train or improve AI/ML models without our written consent.
10. USER CONTENT
If you submit reviews, comments, or uploads ("User Content"), you represent you have the necessary rights and that it is lawful and non-infringing. You grant us a worldwide, royalty-free license to host, use, reproduce, modify, publish, display, and distribute your User Content to operate, improve, and promote the Services. We may remove User Content at any time.
11. FEES AND SUBSCRIPTIONS
If we offer paid features, prices are before applicable taxes. If you enroll in auto-renewing subscriptions, you authorize recurring charges until you cancel. Except where required by law, fees are non-refundable.
12. ACCURACY; NO WARRANTIES
We strive for accuracy but do not guarantee that content is complete, current, or error-free. THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND (EXPRESS OR IMPLIED), INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
13. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICES OR THESE TERMS. OUR TOTAL LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT OR (B) USD $100. Some jurisdictions do not allow certain limitations; in those cases, the above applies to the fullest extent permitted.
14. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless us and our affiliates, directors, officers, employees, and agents from claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Services, your User Content, or your violation of these Terms or applicable law.
15. PRIVACY AND COOKIES
Your use is also governed by our Privacy Policy and Cookie Policy (see site footer). These explain what data we collect, why, how we share it with third-party providers, and your rights (including GDPR/CCPA/CASL where applicable).
16. COMPLIANCE
You may use the Services only for lawful purposes. You represent you are not subject to applicable sanctions or export restrictions.
17. SUSPENSION AND TERMINATION
We may suspend or terminate access (including accounts) at any time, with or without notice, for any reason including suspected violations of these Terms. Sections that by their nature survive (IP, disclaimers, limitations, indemnity, dispute resolution) shall survive termination.
18. DMCA / COPYRIGHT (FOR US USERS)
If you believe your copyrighted work was used in a way that constitutes infringement, email Info@thefrankplan.com with: (a) your signature; (b) identification of the copyrighted work; (c) identification and location of the infringing material; (d) your contact information; (e) a good-faith statement; and (f) a statement under penalty of perjury that you are authorized to act. We may remove material and terminate repeat infringers.
19. DISPUTE RESOLUTION
A) United States users: Binding arbitration and class-action waiver. Any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by individual, binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules and governed by the U.S. Federal Arbitration Act. Class actions and class arbitrations are not permitted. Either party may bring an individual claim in small claims court instead of arbitration. Either party may seek injunctive relief in court to protect IP or prevent unauthorized access or use. You may opt out of arbitration within 30 days of first use by emailing "Arbitration Opt-Out" to Info@thefrankplan.com.
B) Non-US users: These Terms and any dispute are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules. The courts located in Toronto, Ontario shall have exclusive jurisdiction, subject to any non-waivable consumer protections of your place of residence.
20. CHANGES TO THESE TERMS
We may modify these Terms at any time by posting an updated version with a new "Last updated" date. If you disagree with the updated Terms, stop using the Services.
21. MISCELLANEOUS
Entire Agreement: These Terms and the policies referenced constitute the entire agreement.
Severability: If any provision is unenforceable, the remainder remains in effect.
No Waiver: Failure to enforce a provision is not a waiver.
Assignment: You may not assign these Terms without our consent. We may assign to an affiliate or in connection with a merger, acquisition, or asset sale.
Force Majeure: We are not liable for delays or failures due to events beyond our reasonable control.
Contact: Info@thefrankplan.com.