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Terms of Service

Last updated: December 2025

These terms govern the use of Coachd.ai by agencies and their authorized agents. By using the platform, you agree to these terms.

The Service

Coachd.ai provides AI-powered coaching tools to help life insurance agents handle sales conversations. This includes real-time guidance during calls, chat-based coaching, and access to agency training materials.

Agency Accounts

Agencies receive access codes to distribute to their agents. Agencies are responsible for:

Authorized Use

Agents access Coachd.ai through their agency. By using the platform, agents agree to:

AI Coaching

Our AI provides suggestions and guidance based on training materials and general knowledge. It is a tool to assist agents, not a replacement for professional judgment. Agents remain responsible for their own sales practices and compliance with regulations.

Content Ownership

Agencies retain ownership of documents and materials they upload. Coachd.ai retains rights to the platform, AI models, and underlying technology. We may use anonymized, aggregated usage data to improve our service.

Service Availability

We aim to keep Coachd.ai available and reliable, but don't guarantee uninterrupted service. We may update, modify, or discontinue features with reasonable notice when possible.

Limitation of Liability

Coachd.ai is provided "as is." We are not liable for sales outcomes, regulatory compliance issues, or decisions made based on AI suggestions. Our total liability is limited to fees paid for the service.

Termination

Agencies may stop using the service at any time. We may suspend access for violation of these terms or non-payment. Upon termination, agency data will be deleted within a reasonable timeframe.

Changes

We may update these terms as the service evolves. Continued use after changes constitutes acceptance.

Governing Law

These terms are governed by the laws of the United States. Disputes will be resolved in accordance with applicable federal and state law.