Faldex CRM

Terms of Use

Effective date: September 21, 2026

These Terms govern your use of fdxcrm.com and the Faldex CRM platform. By using either, you agree to them. If you do not agree, please do not use them.

Who we are

Faldex CRM is a software product of Faldex Financial LLC, an Arizona company that also operates as an independent insurance agency. Faldex CRM is business software. It is not insurance, and buying or using it does not make you a client of the insurance agency, an agent of it, or a party to any insurance arrangement.

Who may use this

You must be at least 18 years old. If you use Faldex CRM on behalf of an agency or other organisation, you confirm that you are authorised to accept these Terms for it, and "you" means both you and that organisation. You agree to give us accurate information and to use the site and the platform only for lawful purposes.

Your account and your users

When the product is live, you are responsible for your account: for keeping credentials secure, for the users you invite, for the access and roles you give them, and for what those users do in the account. Tell us promptly if you believe an account has been accessed without authorisation. You are responsible for removing access when someone leaves your agency.

Your data, and who owns it

The records you put into Faldex CRM are yours. Contacts, notes, call history, documents and everything else your agency loads or creates in the system belong to your agency, not to us. We call this Customer Data.

You give us a limited licence to host, store, process, transmit and display Customer Data, and to make backups of it, purely so that we can provide and support the service to you. That licence exists for no other purpose and ends when your account ends, apart from backups ageing out on their normal cycle and anything the law requires us to keep.

You confirm that you have the right to put the data into the system, that you have any consents and permissions needed for it and for how you intend to use it, and that doing so does not breach anyone's rights, a contract you are bound by, or the law.

How we handle all of this is set out in the Privacy Policy, which forms part of these Terms. We do not sell your data and we do not market to your clients.

Acceptable use

You agree not to:

• Use the platform for anything unlawful, deceptive, harassing or fraudulent.
• Upload data you do not have the right to hold or use, including purchased or scraped lists gathered without the consent your intended use requires.
• Upload malicious code, or anything that interferes with the service or with other customers.
• Attempt to access another customer's account or data, probe or test the security of the service without our written permission, or work around any access control.
• Copy, reverse engineer, decompile or create derivative works from the software, except where the law says you may despite this restriction.
• Resell, sublicense, rent out or present the platform as your own product, unless we have agreed to that in a separate written agreement.
• Use the service to build a competing product, or to publish a benchmark of it without our written permission.
• Place an unreasonable load on the service, including through automated access we have not approved.

Calling, texting and email

Faldex CRM is being built to place calls and to send text messages and email. Read this section carefully, because it decides who carries the risk when you press send.

You are the caller and the sender. We are not. When you use these features, you are responsible for complying with the law that applies to that outreach, including the Telephone Consumer Protection Act, federal and state Do Not Call rules, state telemarketing and call-recording laws, and CAN-SPAM. That includes:

• Getting and keeping proof of the consent your outreach requires, before you contact anyone.
• Screening against the federal and applicable state Do Not Call registries and against your own internal do-not-call list.
• Honouring opt-outs promptly, including STOP replies and unsubscribe requests.
• Calling only within permitted hours and identifying yourself as the law requires.
• Getting the consent that recording a call requires in every state involved, which in some states means every party on the line.
• Keeping the records that show you did all of the above.

Telephone and messaging services are delivered through third-party carriers and providers who impose their own rules, registration requirements and content restrictions. Messages may be filtered or blocked by carriers for reasons outside our control, and we do not guarantee delivery. We may suspend or limit these features immediately if we receive complaints, if a provider requires it, or if we reasonably believe they are being used unlawfully.

Not insurance, legal or compliance advice

The content on this site and in the platform is for general information. It is not insurance, legal, tax, financial or compliance advice, and using Faldex CRM does not make your agency compliant with anything. Features that help you keep records, capture consent or produce reports are tools. Deciding what your obligations are, and meeting them, stays with you and your own advisers. Nothing here is an offer of insurance or a guarantee of coverage, eligibility, rates or outcomes.

Fees and billing

No price is offered on this site. When the product is available, the fees, the billing period, what is included and any usage-based charges will be set out at sign-up and will form part of your agreement with us. Unless stated otherwise, fees are exclusive of taxes, which you are responsible for. Payments are handled by a payment processor; we do not store card numbers.

Suspension, termination and getting your data out

You may stop using the service at any time. We may suspend or end access if you breach these Terms, if your use puts the service, other customers or us at legal or security risk, if fees go unpaid, or if we are required to by law or by a provider we depend on. Where it is reasonable and lawful to do so, we will tell you first and give you a chance to put it right.

You can export Customer Data while your account is open. After an account ends you will have a reasonable window, stated in your plan documents, to export it. After that we delete or de-identify it, subject to routine backups ageing out and to anything the law requires us to retain.

Intellectual property and feedback

The Faldex and Faldex CRM names, the logo, the software, the interface and the content on this site are owned by Faldex Financial LLC or its licensors and are protected by law. These Terms give you a limited, non-exclusive, non-transferable right to use the service while your account is in good standing, and nothing more. You may not copy or use our names, marks or content without our written permission.

If you send us feedback or suggestions, we may use them to improve the product without owing you anything and without restriction. Feedback is not confidential, so please do not include anything you need kept private, and never include your clients' information in it.

Third-party services

The platform connects, or is intended to connect, to services we do not control, including email and calendar providers, telephony providers, payment processing and insurance industry systems. Your use of those services is governed by their own terms and privacy policies. We are not responsible for them, for their availability, or for what they do with information you direct us to send them. Carrier and company names and marks belong to their owners and are used only to identify the services concerned.

Availability and changes to the service

We may change, add or remove features. Where a change materially reduces functionality you rely on, we will give account holders reasonable notice. We do not promise any level of uptime or availability in these Terms. The service may be unavailable for maintenance, for reasons outside our control, or because a provider we depend on has failed. Any service level commitment will be a separate written agreement.

Disclaimers

The site and the service are provided "as is" and "as available" without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the service will be uninterrupted, error-free or secure, that defects will be corrected, or that data will never be lost. You are responsible for keeping your own copies of anything you cannot afford to lose.

Limitation of liability

To the fullest extent permitted by law, Faldex Financial LLC and its owners, agents and service providers will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost business, lost goodwill, lost commissions or lost or corrupted data, arising from your use of, or inability to use, the site or the service, even if we have been told such damages are possible.

To the fullest extent permitted by law, our total liability for all claims relating to the site or the service will not exceed the greater of the fees you paid us for the service in the twelve months before the event giving rise to the claim, or one hundred US dollars. Some states do not allow some of these limits, in which case they apply to you only as far as the law allows.

Indemnification

You agree to indemnify and hold harmless Faldex Financial LLC and its owners, agents and service providers from any claims, losses, liabilities and expenses, including reasonable legal fees, arising from your use of the site or the service, the data you put into it, the calls, messages and email you send through it, your breach of these Terms, or your violation of any law or of anyone's rights.

Governing law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws rules. The courts serving Maricopa County, Arizona, will have jurisdiction, and both sides consent to that.

Changes to these Terms

We may update these Terms from time to time. When we do, we will change the effective date above and post the updated Terms here. If a change materially affects account holders, we will tell them before it takes effect. Your continued use after that means you accept the updated Terms.

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