AEP Terms of Service

1. Who these terms apply to

The AEP platform (“AEP,” the “Platform,” “we,” “us”) is operated and developed by RJ Webworks LLC. These Terms of Service (“Terms”) govern your access to and use of the Platform.

The Platform is provided exclusively to licensed insurance agents working Annual Enrollment Period (“AEP”) and related insurance lines (“Agents,” “you”). By creating an account you represent that you are a properly licensed insurance agent in the states in which you operate, that you are at least 18 years old, and that you are authorized to accept these Terms.

By checking the agreement box during sign up, you confirm that you have read, understood, and agree to be bound by these Terms and the Privacy Policy. If you do not agree, do not use the Platform.

2. Payments are non-refundable

All amounts you pay through or in connection with the Platform are final and non-refundable. Funds are paid out and applied directly to the platform, advertising, lead generation, and operating costs that power your inbound call flow, and are consumed on your behalf. Because these funds are deployed immediately, we do not offer refunds, credits, or pro-rated returns for any reason, including unused budget, dissatisfaction with results, account termination, or changes in your circumstances.

You acknowledge that the Platform sells access and services, not a guaranteed outcome, and that projected calls, deals, return on ad spend (ROAS), and annual premium figures are estimates only. Actual results fluctuate and are sometimes outside our control, including changes driven by third-party platform algorithms.

3. No disputes or chargebacks

By checking the agreement box and submitting payment, you agree not to initiate, file, or pursue any payment dispute, chargeback, reversal, or bank/card complaint against any payment made to AEP or RJ Webworks LLC.

You agree that any miscommunication, billing question, or concern will be raised and resolved exclusively through the proper channels described in Section 8 before any other action is taken. Filing a chargeback or dispute is a material breach of these Terms.

To the fullest extent permitted by law, the managers, members, officers, employees, and agents of AEP and RJ Webworks LLC are not liable for any chargebacks, disputes, reversals, or related fees or losses. You agree to reimburse us for any costs, fees, or losses we incur as a result of a chargeback or dispute you initiate in violation of these Terms.

4. Honest conduct — no fraud or misrepresentation

You agree to act honestly, lawfully, and in good faith at all times. Specifically, you agree that you will not:

• commit fraud, or make any false, misleading, or deceptive statement of fact to any caller, customer, carrier, or regulator on the phone system;
• enter false, misleading, inaccurate, or fabricated information into this system (including call dispositions, premiums, customer details, or production data);
• misrepresent your identity, license status, the products you offer, or your authority to sell them;
• violate any applicable law or regulation, including Medicare / CMS marketing and enrollment rules, state insurance regulations, TCPA, and Do-Not-Call requirements.

You are solely responsible for your own compliance with all laws and carrier guidelines applicable to your insurance sales.

5. Termination

We may suspend or terminate your account at any time, with or without notice, for any violation of these Terms. If you are found to have lied, committed fraud, entered false information, or otherwise misrepresented facts on the phone system or in this system, your account may be terminated immediately.

Termination for any reason does not entitle you to any refund. All amounts paid remain non-refundable as described in Section 2.

6. Disclaimers & limitation of liability

The Platform is provided “as is” and “as available,” without warranties of any kind, express or implied. We do not warrant uninterrupted or error-free service, any specific volume or quality of calls, or any specific earnings or results.

To the maximum extent permitted by law, in no event will AEP, RJ Webworks LLC, or their managers, members, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits or revenue. Our total aggregate liability for any claim relating to the Platform will not exceed the amount you paid to us in the one (1) month preceding the event giving rise to the claim.

7. Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected by updating the “Last updated” date above. Your continued use of the Platform after changes become effective constitutes acceptance of the revised Terms.

8. Contact & proper channels

Any question, concern, billing matter, or dispute must first be submitted to us through the proper channels before any other action. Please contact your AEP manager, or reach RJ Webworks LLC at the contact provided to you when your account was created. We will work with you in good faith to resolve any issue.