Patriot Pixels LLC ("PPXL")
Effective Date: November 1, 2025
This Agent Advantage Service Agreement (hereinafter, the "AASA" or "Agreement") is a binding legal contract between Patriot Pixels LLC (hereinafter, "PPXL," "We," "Us," or "Our") and the individual or entity identified as the subscriber (hereinafter, the "Client" or "You"). This Agreement governs the provision and use of all features, software, and professional assistance offered by PPXL under the AASA, which are collectively defined herein as the "Services."
By clicking "I Agree," executing an Order Form referencing this Agreement, or otherwise commencing use of any component of the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms in their entirety.
1.1 PPXL: Patriot Pixels LLC. 1.2 Client: The licensed insurance agent or agency subscribing to Agent Advantage. 1.3 Agent Advantage (AA): PPXL’s website, hosting, and service package exclusively for licensed insurance agents. 1.4 AA Core Website: The 3-page website provided under AA, including Home, About, and Contact. 1.5 Google Workspace™ Account: The business email account provided and fully managed by PPXL. 1.6 PPXL Property: All intellectual property owned by PPXL, including but not limited to design files, templates, code, the website framework, hosting environment, proprietary modules, integrations, DNS configurations, and any domain procured by PPXL. 1.7 Add-ons: Optional, supplemental services offered by PPXL at additional cost.
2.1. Independent Contractor Status: PPXL is an independent vendor. PPXL is NOT affiliated with, endorsed by, partnered with, or sponsored by any insurance carrier, FMO, IMO, GA, or marketing organization.
2.2. Regulatory Compliance: The Client acknowledges that the health insurance industry is highly regulated. THE CLIENT IS SOLELY RESPONSIBLE for ensuring all website content, images, claims, marketing language, referral programs, forms, disclosures, and Google Workspace™ email usage comply with all applicable laws, including but not limited to: State Department of Insurance rules, TCPA, CMS/ACA marketing guidelines, HIPAA, Carrier-specific marketing rules and Federal advertising standards. PPXL assumes NO LIABILITY for the Client’s regulatory compliance failures. The Client accepts all risk and liability for content on the Website. The Client agrees to indemnify and hold harmless PPXL from any and all claims, fines, penalties, or liabilities arising from the Client’s failure to comply with any applicable law or regulation.
3.1 AA core website: A custom website will be designed and developed specifically for the Client’s business. This includes a custom homepage, an about page, a contact page. PPXL will produce the website based on information, materials, and instructions provided by the Client. The Client must review and provide final written approval before the website is published. Once approval is given, any additional edits, adjustments, or redesign requests fall under the revision policies outlined in Section 3.5 and Section 3.8.
3.2 Web hosting: PPXL will provide managed web hosting for the Client’s website on PPXL’s secured hosting infrastructure. Hosting services include server provisioning, uptime monitoring, security patching, performance optimization, and routine system updates. The Client understands that hosting is provided exclusively for websites built and managed by PPXL, and cannot be used for third-party websites or unrelated content. Hosting services remain active only while the Client’s subscription is in good standing.
3.3 DNS setup and management: a. PPXL Management: PPXL will configure, manage, and maintain the Client’s DNS records to ensure proper website functionality, email routing, security settings, and domain connectivity. This includes creating, modifying, or removing DNS records as necessary to support the Client’s website and related services. b. Client Domains: If the Client provides their own domain name, the Client is required to point the domain’s nameservers to the PPXL hosting infrastructure, which operates through Cloudflare. The Client agrees to update nameservers upon request and acknowledges that PPXL cannot provide hosting, email routing, SSL, or security services unless PPXL controls DNS through its designated Cloudflare-managed environment. c. Administrative Control: PPXL retains administrative control over DNS configuration for the duration of the Client’s active subscription to ensure security, proper routing, and service continuity. Failure to point nameservers as required may result in service delays, partial functionality, or suspension of website-related services until compliance is met.
3.4 One Google Workspace™ account: PPXL provides access to one Google Workspace™ account through a third-party licensed reseller. PPXL IS NOT A DIRECT PARTNER OR LICENSED RESELLER OF GOOGLE. The account is created, configured, and fully managed by PPXL for the duration of the Client’s active subscription.
The Client is strictly prohibited from requesting or obtaining administrative access to the Google Workspace™ account. All setup tasks, configuration, password resets, maintenance, data routing, and migrations (if applicable) shall be performed exclusively by PPXL.
The Client’s use of the Google Workspace™ account is additionally governed by Google’s terms, policies, and acceptable use standards, which are incorporated into this Agreement by reference. Any violation of Google’s terms or misuse of the Workspace account may result in suspension or immediate removal of this benefit at PPXL’s discretion.
3.5 Ongoing revisions: AA includes 60 minutes of ongoing revisions per monthly billing cycle. This time may be used for any requested updates or changes to the Client’s website, including but not limited to text edits, image swaps, minor layout adjustments, or other routine content updates.
The included sixty (60) minutes of revision time does not roll over. Any unused revision time is permanently forfeited at the end of each billing cycle. No credits, refunds, or time transfers shall be issued for unused minutes.
Any addition revisions past the included 60 minutes, will be billed in accordance with Section 3.8.
3.6 Custom contact forms: Patriot Pixels LLC will create and maintain custom contact forms tailored to the Client’s operational needs. Forms may include lead capture forms, inquiry forms, quote request forms, or other similar intake structures. PPXL will configure form delivery, notification routing, and basic spam protection. Custom form development that requires complex logic, multi-step workflows, advanced integrations, or third-party automation may incur additional fees.
3.7 Client review system: Patriot Pixels LLC will implement a review-collection system on the Client’s website, enabling visitors to submit feedback or testimonials. PPXL will configure basic functionality, design placement, and form routing. The Client is responsible for monitoring submissions, complying with platform policies, and managing any user-generated content. PPXL may remove content found to violate legal, ethical, or platform standards.
3.8 Discounted revisions: AA Clients will receive a discounted rate of $20 an hour for additional revisions past the 60 minutes that are included as according to Section 3.5.
3.9 Domain name: a. PPXL Registered Domain: If PPXL registers a domain name on behalf of the Client as part of AA, that domain name is and shall remain PPXL Property. Upon cancellation, PPXL may, at its sole discretion, choose to offer to sell the domain to the Client for a flat fee of PPXL's choice, or retain the domain for its own use or sale to a third party. b. Client Owned Domain: If the Client brings their own domain name, the Client forfeits the complimentary domain included in the AA. The Client MUST transfer the domain's nameservers to PPXL’s designated DNS management system (Cloudflare) to ensure proper security, email, and Website functionality. c. Post-Cancellation: Upon cancellation, PPXL reserves the right to immediately change the DNS records of any Domain Name registered by PPXL.
3.10 Optional add-ons: The Client may choose to purchase optional add-ons that extend the functionality of the website or enhance the Agent Advantage service. Optional add-ons may include CRM integrations, advanced automations, multi-step forms, enhanced analytics, appointment scheduling systems, and additional tool integrations. All optional add-ons are billed separately, require a signed approval, and may carry recurring fees depending on the nature of the service. PPXL reserves the right to modify, discontinue, or update add-ons at any time for security, compliance, or technical reasons.
3.11 Privacy Policy: a. Drafting Service: As part of AA, PPXL will draft a foundational Privacy Policy based on general industry standards and the Website's basic functionality. b. Client Acceptance and Compliance: The Client acknowledges and agrees that, no matter what is written in the Privacy Policy drafted by PPXL, it represents and is based upon the Client's actual business practices and privacy procedures. The Client is solely responsible for reviewing the final draft and ensuring it meets all regulatory and legal compliance requirements specific to their licensing and operational jurisdiction. c. Modification Window: The Client shall have the opportunity to request changes to the Privacy Policy draft before the Website is made live. d. Ownership: The drafted Privacy Policy document, including its text and structure, shall be considered PPXL Property as defined in Section 4.1.
4.1 INTELLECTUAL PROPERTY AND OWNERSHIP (PPXL PROPERTY): Notwithstanding any other provision in this Agreement, the following ownership provisions are permanent and survive termination: a. PPXL Ownership: PPXL retains PERPETUAL AND EXCLUSIVE OWNERSHIP of the Website, custom code, design files, underlying structure, templates, stock photography purchased by PPXL, the Domain Name (if procured by PPXL). The Client is granted a limited, non-transferable, non-exclusive license to use the Website solely while an AA subscription is active and current. b. No Transfer Rights: Under no circumstances shall the Client acquire any ownership or transfer rights to the Website, its code, or the Domain Name. c. Client Content: All text, photos, logos, branding, and other materials provided by the Client remain the property of the Client. However, the Client grants PPXL a perpetual, royalty-free, irrevocable license to host and use this content solely for the purpose of operating and maintaining the Website and its backups.
4.2 INITIAL DESIGN REVISIONS AND WEBSITE SIGN-OFF: a. Unlimited Initial Revisions: PPXL offers unlimited revisions during the initial Website design and development phase. This offer is contingent upon and subject to the Acceptable Use Policy (AUP) detailed in Article IX, including the requirement for revisions to be within reason (Section 9.4). b. Client Approval and Sign-off: The Client retains final approval authority over the Website design and content. Upon satisfaction, the Client must execute the "Website Sign-off" form provided by PPXL. c. Post-Sign-off Changes: Once the Website Sign-off form is executed, the initial design phase is considered complete. Any subsequent changes, updates, or modifications requested by the Client shall be subject to the included 60 minutes of ongoing monthly revisions, as defined in Section 3.5.
4.3 WEBSITE TRACKING AND MONITORING: The Client acknowledges that because PPXL owns and hosts the Website and controls the DNS, all traffic is routed through and managed by PPXL's servers. PPXL reserves the right to use cookies, web beacons, IP tracking, and similar technologies solely for internal diagnostic, performance, and security purposes to monitor, access, and analyze Website visitor and traffic data.
4.4 PROPRIETARY FOOTER LINK: PPXL shall place a "Powered by Patriot Pixels LLC" or similar proprietary notice in the footer of every page of the Website. This link will be visually subtle and styled to match the Website's aesthetic but must remain visible. This link will direct users to PPXL's corporate website, and the Client may not remove, obscure, or alter this link.
5.1 Pricing: AA is $49 per month, billed monthly, with a 6-month minimum commitment.
5.2 BILLING AND AUTO-PAY REQUIREMENT: a. Auto-Pay: The Client MUST maintain a valid payment method on file and authorizes PPXL to use this method for recurring charges (Auto-Pay). b. Initial Payment: Payment for the first month of AA and any initial Add-on fees is required in full BEFORE PPXL begins development of the Website. c. Anniversary Billing: The Client will be billed automatically on the monthly anniversary date of the initial payment. d. Payment Processor: All payments must be processed through PPXL’s designated third-party payment processor. e. No Refunds: All payments made under this Agreement are non-refundable, including setup fees, subscription fees, add-on fees, and partial-month charges, except where expressly stated otherwise herein.
5.3 MINIMUM TERM AND EARLY TERMINATION FEE (ETF): AA has a MINIMUM TERM of six (6) consecutive months when billed monthly. If the Client requests cancellation or is cancelled for non-payment before the six-month minimum term is completed, the Client shall incur an Early Termination Fee (ETF) of $294.00, less any subscription fees already paid for the AA subscription (Add-on fees are excluded from this offset). The ETF is immediately due upon termination.
5.4 LATE PAYMENTS AND COLLECTIONS: PPXL employs a strict late payment policy, and the Client expressly agrees to the following schedule of fees and actions. For the purposes of this Section 5.4, "Outstanding Balance" means all amounts owed under this Agreement, including the subscription fee, accrued late fees, ETF, and interest. a. Grace Period and Re-Attempt Charges (Day 1 - Day 4): This period serves as a grace period. If a charge is declined, PPXL reserves the right to attempt to re-process the charge according to its standard payment retry schedule until the Client explicitly notifies PPXL in writing to cease charge attempts. b. Flat Late Fee Imposition (Day 5): If payment is not received by the end of Day 4 following the billing date, a $10.00 one-time flat late fee will be immediately charged on Day 5, in addition to the Outstanding Balance. No further daily late fees will accrue. c. Service Suspension and Finance Charge Commencement (Day 15): If payment is not received by the end of Day 14, the Client's Website and the associated Google Workspace™ account will be temporarily suspended and taken offline at 12:01 AM EST on Day 15. Services will only be restored once all outstanding balances, including the $10.00 flat late fee, are paid in full. d. Interest Accrual (Day 15+): Upon suspension on Day 15, an interest rate of 1.5% per month (equivalent to 0.05% per day) will begin to accrue on the total Outstanding Balance (subscription fee, accrued late fees, and ETF, if applicable) until the balance is paid in full. e. Contact for Collection: PPXL reserves the right to attempt to contact the Client via phone, email, SMS, and mail daily, as often as necessary, regarding the Outstanding Balance from the date the payment becomes due until the debt is paid in full or sent to a third-party collection agency (as defined in Section 5.4.g). The Client may explicitly opt out of receiving such communications in writing. f. Account Cancellation and Initial Deletion (Day 31): If payment is not received by the end of Day 30, the subscription plan will be permanently cancelled at 12:01 AM EST on Day 31. This cancellation is subject to the terms of Article VI. g. Debt Collection (Day 60+): PPXL reserves the unconditional right to send any outstanding debt (including the principal, accrued late fees, and interest) to a third-party collection agency at any point after Day 60 following the original billing date.
6.1. CANCELLATION BY CLIENT a. Required Procedure: The Client MUST submit a cancellation request through the official form located at https://ppxl.us/cancel. Requests submitted through any other means (e.g., email, phone call, text message) are invalid and will not be processed. b. Processing Timeline: i. Requests submitted before 12:01 PM (Noon) EST will be processed on the same business day. ii. Requests submitted after 12:01 PM (Noon) EST will be processed no later than the next business day. c. Immediate Cancellation (After Minimum Term and Refund): If the Client cancels their account and the cancellation is effective immediately (not on the next billing date), and the Client has completed the six-month minimum term (Section 5.3), the Client will receive a pro-rata refund for the unused days remaining in the current billing cycle for the AA subscription fees only. d. Cancellation on Next Billing Date (No Refund): If the Client requests cancellation effective on their next billing date, no charge will be placed on the Client’s card on that date, and no refund for any portion of the preceding billing cycle will be given. e. Cancellation During Minimum Term: Any cancellation request that results in termination before the six-month minimum term is completed is subject to the Early Termination Fee (ETF) defined in Section 5.3.
6.2. TERMINATION BY PPXL (FOR CAUSE OR CONVENIENCE) a. Right to Terminate: PPXL reserves the right to immediately terminate the Client’s account, services, and access to all PPXL Property for any material breach of this Agreement (For Cause) or for any other reason PPXL deems necessary (For Convenience), at PPXL’s sole and absolute discretion. b. Early Termination Fee Reduction: If PPXL terminates the Client's account for any reason within the first six-month minimum term, the Client shall be charged up to fifty percent (50%) of the Early Termination Fee (ETF), at PPXL’s discretion, as defined in Section 5.3. This fee is immediately due upon termination.
6.3. DATA DELETION AND REACTIVATION a. Data Deletion Schedule: Upon cancellation (by Client or PPXL), the Website and Google Workspace™ data will be deleted from PPXL's active servers (effective Day 31 for non-payment). PPXL will retain a backup of the site for 60 days following cancellation for potential reactivation. b. Data Backup Final Deletion (Day 60+): The retained site backup will be permanently deleted at PPXL’s sole leisure and discretion at any point on or after Day 61 following the cancellation date. c. Reactivation Fee (with Backup): If the Client wishes to resubscribe after cancellation, and the Website backup is still available (within 60 days of cancellation), a $99.00 reactivation fee is required to restore services. d. Reactivation Fee (without Backup): If the Client wishes to resubscribe after 60 days of cancellation, and the Website backup has been deleted, a $150.00 reactivation fee is required, and the Website will need to be rebuilt.
7.1. COMPLIANCE WITH LAW The Client is responsible for complying with all applicable federal, state, and local laws, rules, and regulations, including insurance marketing and regulatory compliance as set forth in Section 2.2. The Client must immediately notify PPXL if any aspect of the Website requires modification to maintain regulatory compliance.
7.2. PROVISION OF CLIENT CONTENT The Client is solely responsible for providing all necessary content (text, images, disclosures, etc.) for the Website and warrants that all such content is accurate, legally compliant, and free from any third-party intellectual property infringement.
7.3. INTELLECTUAL PROPERTY VETTING AND INDEMNITY The Client acknowledges that while PPXL may provide certain design elements, stock content, or foundational text, the Client retains sole and ultimate responsibility for reviewing and approving all final content on the Website. The Client warrants that the final, approved Website, including content provided by both the Client and PPXL, is free from infringement upon any third-party intellectual property rights, copyrights, trademarks, or proprietary rights. The Client agrees to indemnify PPXL against any claims arising from the intellectual property integrity of the content placed on the Website, as approved by the Client in the Website Sign-off (Section 4.2.b).
7.4. NAMESERVER TRANSFER REQUIREMENT If the Client provides their own domain name, they are obligated to immediately and fully transfer the domain’s nameservers to PPXL's designated DNS management system (Cloudflare) as required in Section 3.3.b. Failure to perform this transfer within seven (7) days of subscription constitutes a breach and may lead to temporary suspension of services under the terms of Section 5.4.c.
7.5. PROHIBITED USES AND ADHERENCE TO AUP The Client MUST adhere to the Acceptable Use Policy (AUP) defined in Article IX. Furthermore, the Client shall not use the Website, Google Workspace™ account, or any component of AA for any unlawful or prohibited activity, including but not limited to spamming, hosting malicious software, conducting fraudulent activities, or engaging in any activity that could damage the reputation of PPXL or their respective affiliates.
8.1. DISCLAIMER OF PERFORMANCE GUARANTEE PPXL makes no guarantees regarding the performance of the Website or Agent Advantage. The Client acknowledges and agrees that PPXL does not guarantee any specific results, including, but not limited to, leads generated, sales conversions, website traffic volume, search engine rankings, or financial success, regardless of any claims or expectations discussed prior to or during this Agreement.
8.2. GENERAL DISCLAIMER OF WARRANTIES PPXL provides Agent Advantage and all related services on an "AS IS" and "AS AVAILABLE" basis. PPXL expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
8.3. SECURITY DISCLAIMER PPXL uses industry-standard practices to protect Client data and system security; however, the Client acknowledges that nothing transmitted or stored over the internet is 100% secure. PPXL does not warrant that the services will be uninterrupted, error-free, or completely secure and shall not be liable for breaches caused by unauthorized access or other unforeseen security incidents.
9.1. PROHIBITED ILLEGAL USE The Client shall not use the Website, Google Workspace™ account, or hosting services provided under this Agreement to transmit, store, or promote illegal activities, including but not limited to child pornography, copyright infringement, trademark infringement, fraud, or the distribution of malicious software (malware, viruses, or phishing schemes).
9.2. SYSTEM AND NETWORK ABUSE The Client is prohibited from engaging in activities that compromise PPXL's system integrity, network security, or the performance of other Clients' services. Prohibited actions include, but are not limited to: a. Spamming: Sending unsolicited bulk emails (UBE) or unsolicited commercial email (UCE). b. Excessive Resource Usage: Consuming resources (CPU, disk I/O, network bandwidth) to an extent that negatively impacts the performance of PPXL’s shared hosting environment. c. Unauthorized Access: Attempting to gain unauthorized access to any PPXL system or network ("Hacking").
9.3. HARMFUL OR OFFENSIVE CONTENT The Client shall not post or link to content that is defamatory, harassing, libelous, threatening, promotes illegal violence, or advocates discrimination against any group or individual based on race, ethnicity, religion, gender, age, disability, or sexual orientation.
9.4. REASONABLE USE OF INITIAL REVISIONS The commitment to unlimited revisions during the initial Website design phase (Section 4.2.a) is contingent upon the revisions being within reason, as determined solely by PPXL. Revisions deemed by PPXL to be excessive, frivolous, constantly changing scope (scope creep), or deliberately delaying the Website launch may be declined, and the Client may be directed to execute the Website Sign-off form (Section 4.2.b) or utilize the paid additional work hours (Section 3.8).
9.5. AUP VIOLATION CONSEQUENCE Any violation of this Article IX constitutes a material breach of this Agreement, providing PPXL the right to immediately suspend or terminate services without notice under the terms of Article V.
10.1. CLIENT INDEMNIFICATION The Client agrees to indemnify, defend, and hold harmless PPXL, its officers, directors, employees, and agents from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (i) the Client’s use of the Website or Agent Advantage; (ii) any content the Client places on the Website; (iii) any third-party claims arising from the Client’s sale or promotion of health insurance products; (iv) any breach of the regulatory compliance requirements outlined in Section 2.2 and Article VI; and (v) any breach of the Domain Name rules or other material provision of this Agreement.
10.2. MODIFICATION OF TERMS PPXL reserves the right, at its sole and absolute discretion, to update, change, or replace any part of these Terms by posting updates and changes to the PPXL website. Material changes will be announced at least seven (7) days prior to taking effect. Continued use of AA after any such changes constitutes your acceptance of the revised Terms.
10.3. PRIVACY POLICY The Client acknowledges that the use of AA is governed by PPXL's Privacy Policy, which is available and fully incorporated herein by reference at https://patriotpixels.net/legal/privacy.
10.4. SEVERABILITY If any term or provision of this Agreement is deemed invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other term or provision of this Agreement or invalidate or render unenforceable such term or provision in any other jurisdiction.
10.5. FORCE MAJEURE PPXL shall not be liable for any failure or delay in performance under this Agreement due to causes beyond its reasonable control, including, but not limited to, acts of God, war, terrorism, civil unrest, pandemics, government regulation, labor disputes, internet or power failures, or major equipment failures.
10.6. DISPUTE RESOLUTION In the event of any dispute or claim arising out of or relating to this Agreement, the parties agree to first attempt to resolve the matter through good faith negotiation. If the dispute cannot be resolved informally within thirty (30) days, the parties may pursue legal remedies as specified in Section 10.8.
10.7. OFFICIAL COMMUNICATION Any and all official business communication between the Client and PPXL, regardless of purpose (including but not limited to support requests, operational inquiries, or legal notices, unless otherwise specified herein), must be directed to PPXL through the official communication methods listed on PPXL's corporate website. These methods currently include email, web forms, and phone/SMS. The Client acknowledges that communications sent through any method not listed on the website may not be officially received or acted upon by PPXL.
10.8. GOVERNING LAW This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. The parties agree to submit to the exclusive jurisdiction of the state and federal courts located in Pasco County, Florida for the resolution of any disputes.