Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION ABOUT YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS, INCLUDING LIMITATIONS AND EXCLUSIONS OF LIABILITY.

These Terms of Use (these “Terms”) are an agreement between you and The Pinnacle Life Group (“Pinnacle Life Group,” “we,” “us,” or “our”), with its principal office at 209 Philadelphia Ave., Egg Harbor City, NJ 08215. They govern your access to and use of Pinnacle Score (“Score”), the agent platform available at score.insure, including its pages, tools, data and related services (together, the “Service”). By signing in to or using Score, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use Score.

About Score

Score is an internal business platform that Pinnacle Life Group provides to its agents, team leaders and staff. It shows production, policies and client records, and offers quoting, needs-analysis, team, leaderboard, lead and other tools that support the insurance business you conduct through Pinnacle Life Group.

Relationship to your agent agreement

These Terms supplement, and do not replace, your independent contractor, agent or employment agreement with Pinnacle Life Group, your carrier appointments and contracts, and our agency policies. If these Terms conflict with a signed agreement between you and Pinnacle Life Group, the signed agreement controls. Nothing in these Terms creates an employment, partnership or joint venture relationship.

Eligibility and accounts

Score is available only to people who have been given an account by Pinnacle Life Group, such as contracted agents, team leaders and authorized staff, who are at least 18 years old. You agree to:

• Keep your sign-in credentials confidential.
• Not share your account or let anyone else use it, and not use another person’s account.
• Keep your profile and agency information accurate.
• Tell us immediately at connect@thepinnaclelifegroup.com if you suspect unauthorized access to your account.

You are responsible for activity under your account. We may suspend or end your access at any time, including when your relationship with Pinnacle Life Group ends, when your status changes, or when we believe you have violated these Terms.

Client and prospect information

Score contains nonpublic personal information about insurance clients and prospects, including health and financial information. That information is confidential agency information protected by privacy laws such as the Gramm-Leach-Bliley Act and state insurance privacy laws. You agree to:

• Access and use client information only to serve those clients and conduct legitimate insurance business through Pinnacle Life Group.
• Not copy, download, export, screenshot, share or disclose client information except as needed for that purpose, and keep any exports secure.
• Not sell client information or use it to solicit clients for another agency, organization or business.
• Collect client information lawfully, give the notices and obtain the consents the law requires, and enter it accurately.
• Not enter Social Security numbers, bank account numbers or card numbers in Score.
• Tell us right away if you learn that client information may have been lost, misused or disclosed without authorization.

Client records and the book of business data in Score are records of Pinnacle Life Group. Your rights in particular clients, renewals or commissions are governed by your agreements, not by your access to Score. When your access ends, you must stop using client information obtained through Score except as your agreements and the law allow.

Quotes, eligibility and other tools

Quotes, rates, eligibility results and recommendations in Score are estimates based on the information entered and on carrier rules we have loaded. They are not offers of coverage. The carrier decides underwriting, final rates and whether to issue a policy. You remain responsible for confirming product details, suitability and eligibility with the carrier, and for following carrier rules and the insurance laws of each state where you do business.

Production, rankings and compensation figures

Production, persistency, scores, leaderboards, bonus and promotion information in Score are provided for information and motivation. They are built from carrier and agency data that can be delayed, incomplete or corrected later. They are not statements of commissions, bonuses or compensation owed. Compensation is determined by your agreements, carrier statements and our compensation policies.

Support assistant

Score includes an AI-powered support assistant. Its answers can be incomplete or wrong. Confirm anything important before you act on it, and do not rely on it for legal, tax, compliance or underwriting advice.

Lead Market

Where Lead Market is available to you, leads and calls are supplied by third-party vendors. Additional terms, prices and rules shown when you order or fund your wallet apply to those purchases. Payments are processed by Stripe on its own checkout pages. We do not guarantee the quality, accuracy or results of any lead. You are responsible for contacting leads only in compliance with the Telephone Consumer Protection Act, the Telemarketing Sales Rule, do-not-call rules, state telemarketing and insurance solicitation laws, and the consent recorded for each lead.

Acceptable use

You agree not to:

• Use Score for any unlawful, fraudulent or misleading purpose.
• Try to access information, accounts or features your role does not allow, or probe, scan or test Score’s security.
• Scrape Score, use bots or automated tools against it, or overload it, including by denial-of-service attacks.
• Upload viruses or other harmful code, or interfere with Score’s operation.
• Copy, modify, reverse engineer or create derivative works of Score, or use it to build a competing product.
• Enter false information, including false production or activity numbers. Providing false information in connection with an insurance transaction may be insurance fraud.

We may report misuse to law enforcement and cooperate with them, including by disclosing your identity.

Ownership and license

Score, including its software, design, text, graphics, data compilations and other content, is owned by Pinnacle Life Group or its licensors and is protected by copyright, trademark, trade secret and other laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use Score for your work with Pinnacle Life Group while your account is active. All rights not expressly granted are reserved. Carrier names and marks shown in Score belong to their owners.

If you send us feedback or suggestions about Score, we may use them without any obligation to you.

Third-party services

Score links to and embeds services operated by others, such as the client portal, carrier sites, and lead and marketing vendors. Those services have their own terms and privacy policies. We are not responsible for them.

Availability and changes to Score

We try to keep Score available, but access may be interrupted for maintenance, updates or outages. We may change, suspend or retire any part of Score at any time.

Not professional advice

Content in Score is general information and business tooling. It is not legal, tax, accounting, investment or compliance advice.

Disclaimer of warranties

SCORE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT SCORE OR ITS DATA WILL BE ACCURATE, COMPLETE, CURRENT, UNINTERRUPTED OR FREE OF ERRORS OR HARMFUL COMPONENTS.

Limitation of liability

TO THE FULLEST EXTENT ALLOWED BY LAW, PINNACLE LIFE GROUP AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, COMMISSIONS, DATA OR BUSINESS, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE SCORE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU. Nothing in these Terms limits liability that cannot lawfully be limited.

Indemnification

You agree to defend, indemnify and hold harmless Pinnacle Life Group and its affiliates, officers, employees, agents and partners from all claims, liabilities and expenses, including reasonable attorneys’ fees, arising from your use or misuse of Score, your violation of these Terms or the law, or your handling of client or lead information. We may assume the exclusive defense of any matter at our own expense, and you agree to cooperate with us.

Governing law and disputes

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or Score will be brought in the state or federal courts located in New Jersey, and you consent to their personal jurisdiction, except where a signed agreement between you and Pinnacle Life Group provides a different process.

Changes to these Terms

We may update these Terms from time to time. We will post the current version on this page and update the “last updated” date. Where a change is material, we will give more prominent notice, such as a message in Score. Continuing to use Score after a change takes effect means you accept the updated Terms.

General

These Terms, the Privacy Policy and your agreements with Pinnacle Life Group are the entire agreement about your use of Score. If any part of these Terms is found unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them as part of a merger, acquisition or sale of assets.

Contact us

Questions about these Terms can be sent to connect@thepinnaclelifegroup.com or by mail to The Pinnacle Life Group, 209 Philadelphia Ave., Egg Harbor City, NJ 08215.