Terms of Service

Effective Date: September 9, 2026
**Last Updated: Septembes”) constitute a legally binding agreement between you and Piper Financial Group, Inc. (“Piper Financial Group,” “PFG,” “we,” “us,” or “our”) governing your access to and use of Piper Financial Group's websites, recruiting systems, communications, HighLevel-based systems, agency sub-accounts, workflows, technology, and related services.

Please read these Terms carefully.

THESE TERMS CONTAIN IMPORTANT LIMITATIONS OF LIABILITY AND A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. PLEASE REVIEW THE DISPUTE RESOLUTION PROVISIONS CAREFULLY.

By accessing or using the Services, creating or using an account, accepting access to a Piper Financial Group-provisioned HighLevel sub-account, submitting information through our Services, or otherwise indicating acceptance of these Terms, you represent that:

  1. you have read and understand these Terms;

  2. you agree to be bound by these Terms;

  3. you are at least 18 years old;

  4. you have legal capacity to enter into this agreement; and

  5. if you are acting on behalf of a company, agency, organization, or other legal entity, you have authority to bind that entity to these Terms.

If you do not agree to these Terms, you may not use the Services.

1. About Piper Financial Group

Piper Financial Group, Inc. is a financial and insurance services organization based in the United States.

Our contact information is:

Piper Financial Group, Inc.
701 Country Stone Ct
Ballwin, Missouri 63021
United States

Email: courtney_piper@piperfinancialgroup.com
Website: https://piperfinancialgroup.com/

Piper Financial Group provides insurance and financial services only where appropriately licensed, authorized, appointed, or otherwise permitted by applicable law.

Nothing available through the Services constitutes an offer, solicitation, or recommendation of a regulated product or service in a jurisdiction where the applicable person or entity is not authorized to offer that product or service.

2. Services Covered by These Terms

These Terms apply to all Services provided or administered by Piper Financial Group unless a separate written agreement expressly provides otherwise.

The “Services” may include:

  • Piper Financial Group's website;

  • landing pages;

  • web forms;

  • recruiting pages;

  • CRM systems;

  • HighLevel-based systems;

  • HighLevel sub-accounts;

  • recruiting workflows;

  • contact management;

  • lead management;

  • pipelines;

  • calendars;

  • scheduling tools;

  • appointment systems;

  • forms and surveys;

  • email communications;

  • SMS and MMS communications;

  • telephone functionality;

  • voicemail functionality;

  • call recording;

  • automated workflows;

  • marketing automation;

  • recruiting automation;

  • reporting;

  • analytics;

  • websites and funnels;

  • templates;

  • content;

  • training;

  • documentation;

  • support;

  • artificial intelligence functionality where enabled;

  • software integrations;

  • administrative services; and

  • other related features or services provided by Piper Financial Group.

Features may be added, modified, suspended, or discontinued from time to time.

3. HighLevel Platform

Certain Services provided by Piper Financial Group are powered by or operate through technology supplied by HighLevel and associated providers, including LeadConnector and third-party communications, hosting, infrastructure, and software providers.

HighLevel is an independent third-party technology provider.

Piper Financial Group does not own or control the underlying HighLevel software platform.

Your access to HighLevel-powered functionality may therefore also be subject to:

  • HighLevel's terms;

  • acceptable-use requirements;

  • telecommunications requirements;

  • carrier requirements;

  • software limitations;

  • technical policies;

  • privacy requirements; and

  • other terms imposed by HighLevel or its service providers.

If a third-party provider imposes requirements necessary for Piper Financial Group to continue providing the Services, you agree to comply with those requirements.

Piper Financial Group may take reasonable actions necessary to maintain compliance with HighLevel's terms and applicable provider requirements, including suspending or restricting use of a sub-account.

4. No Affiliation or Agency with HighLevel

Unless expressly stated otherwise, Piper Financial Group is an independent customer or user of HighLevel technology.

Nothing in these Terms creates an employment, partnership, agency, franchise, fiduciary, or joint venture relationship between Piper Financial Group and HighLevel.

Piper Financial Group does not make representations or warranties on behalf of HighLevel.

5. Eligibility

You must be at least 18 years of age to create a platform account or use Piper Financial Group's recruiting or agency Services.

By using the Services, you represent and warrant that:

  • you are at least 18;

  • you have legal capacity to enter into these Terms;

  • your use of the Services is lawful;

  • you are not prohibited from using the Services under applicable law; and

  • all information you provide is accurate and not misleading.

6. Agency Sub-Accounts

Piper Financial Group may provide independent insurance agencies, agency owners, agents, recruiters, or other authorized businesses with designated HighLevel sub-accounts.

A sub-account may include systems created or configured by Piper Financial Group, including:

  • CRM structures;

  • contact fields;

  • opportunities;

  • pipelines;

  • workflows;

  • email sequences;

  • SMS sequences;

  • recruiting campaigns;

  • appointment systems;

  • calendars;

  • forms;

  • surveys;

  • automation;

  • triggers;

  • templates;

  • reporting structures;

  • websites;

  • landing pages;

  • funnels;

  • custom fields;

  • tags;

  • integrations;

  • communication templates; and

  • other technology or processes.

These systems may be customized to reflect the sub-account agency's individual:

  • name;

  • logo;

  • branding;

  • contact information;

  • team;

  • communication style;

  • recruiting strategy;

  • calendars;

  • workflows; and

  • business practices.

7. Independent Agency Relationship

An agency owner receiving access to a Piper Financial Group-provisioned sub-account remains an independent business.

Nothing in these Terms creates:

  • an employer-employee relationship;

  • partnership;

  • legal agency relationship;

  • joint venture;

  • franchise relationship;

  • fiduciary relationship; or

  • other similar relationship

between Piper Financial Group and the agency owner except where a separate written agreement expressly provides otherwise.

Each agency owner remains responsible for its own business activities, employees, contractors, agents, recruits, customers, prospects, marketing, communications, licensing, regulatory obligations, and legal compliance.

8. Sub-Account Ownership and Administrative Control

Unless otherwise provided in a separate signed agreement, Piper Financial Group administers the HighLevel agency environment in which sub-accounts are maintained.

The agency owner may receive authorized access to a designated sub-account but does not acquire ownership of:

  • Piper Financial Group's master HighLevel agency account;

  • Piper Financial Group's software subscriptions;

  • master configurations;

  • proprietary workflows;

  • system architecture;

  • automation frameworks;

  • templates;

  • training materials;

  • processes;

  • intellectual property; or

  • administrative infrastructure.

The agency owner's rights are limited to the access expressly provided by Piper Financial Group.

9. Agency Data

As between Piper Financial Group and the agency owner, the agency owner generally controls and is responsible for personal information collected from its own recruits, prospects, applicants, agents, contacts, or customers through its designated sub-account.

Subject to these Terms, the agency retains its rights in the agency-specific contact information and content that it lawfully submits to or collects through its sub-account.

Piper Financial Group does not acquire ownership of an agency's contact database merely because that information is stored within a Piper-provisioned HighLevel environment.

10. Responsibility for Agency Data

The agency owner is solely responsible for:

  • determining what information it collects;

  • ensuring a lawful basis for collecting information;

  • obtaining required consent;

  • providing required notices;

  • managing contact permissions;

  • responding to privacy requests;

  • maintaining accurate records;

  • determining appropriate retention periods;

  • ensuring authorized use;

  • complying with applicable privacy laws;

  • protecting information exported from the platform; and

  • ensuring its personnel use information appropriately.

Piper Financial Group may access agency data when reasonably necessary to:

  • provide platform administration;

  • troubleshoot technical issues;

  • configure workflows;

  • provide support;

  • investigate misuse;

  • maintain system security;

  • fulfill legal obligations;

  • respond to provider requests;

  • prevent fraud or abuse;

  • protect the platform; or

  • otherwise administer the Services.

Additional information regarding data processing is described in Piper Financial Group's Privacy Policy.

11. User Accounts

Users may be required to establish login credentials.

You agree to:

  • provide accurate information;

  • maintain current information;

  • keep passwords confidential;

  • use reasonable account-security practices;

  • enable security features made available to you where appropriate;

  • prevent unauthorized account access;

  • immediately revoke access for personnel who no longer require it; and

  • promptly notify Piper Financial Group of suspected unauthorized access.

You are responsible for activity conducted through credentials issued to you or your organization unless prohibited by applicable law.

12. Authorized Users

Agency owners may permit employees, agents, recruiters, contractors, or other personnel to access a sub-account only when such access is reasonably necessary and authorized.

The agency owner is responsible for ensuring that each authorized user:

  • complies with these Terms;

  • accesses only information the person is permitted to access;

  • maintains appropriate account security;

  • complies with privacy and communications requirements; and

  • ceases using the platform when authorization terminates.

The agency owner is responsible for the acts and omissions of its authorized users to the extent permitted by law.

13. Acceptable Use

You may use the Services only for lawful business purposes consistent with these Terms.

You may not use the Services to:

  • violate any law or regulation;

  • violate another person's privacy rights;

  • impersonate another person;

  • misrepresent your identity;

  • engage in fraud;

  • engage in deceptive practices;

  • transmit unlawful communications;

  • conduct unlawful telemarketing;

  • send unlawful commercial email;

  • send unsolicited communications where consent is legally required;

  • harass or threaten individuals;

  • distribute malware;

  • introduce malicious code;

  • interfere with platform security;

  • attempt unauthorized access;

  • scrape data without legal authority;

  • harvest contact information improperly;

  • import unlawfully obtained lead lists;

  • circumvent opt-out requests;

  • evade telecommunications restrictions;

  • circumvent carrier filtering;

  • falsify consent records;

  • manipulate message-identification information;

  • misrepresent caller identification;

  • interfere with another user's account;

  • use another agency's contact data without authorization;

  • use the Services in a manner that harms Piper Financial Group, HighLevel, a communications provider, or another user; or

  • use the Services for any activity prohibited by HighLevel or an applicable technology provider.

14. Prohibited Lead Sources

Agency users may not upload, import, or contact individuals through the platform when the agency does not have a lawful right to use the individual's information.

Prohibited or restricted sources may include:

  • unlawfully scraped information;

  • illegally purchased databases;

  • improperly harvested telephone numbers;

  • improperly harvested email addresses;

  • contacts obtained through deception;

  • lists for which required consent cannot be demonstrated; and

  • information obtained in violation of another organization's contractual or privacy restrictions.

If Piper Financial Group requests reasonable evidence of consent, authorization, or lawful acquisition, the agency agrees to provide such evidence promptly.

15. Compliance with Communications Laws

Each user is responsible for complying with all applicable communications laws and regulations.

Depending upon the communication, these may include requirements arising under:

  • the Telephone Consumer Protection Act (“TCPA”);

  • Federal Communications Commission rules;

  • Federal Trade Commission requirements;

  • CAN-SPAM;

  • state telemarketing laws;

  • state automated-calling laws;

  • state privacy laws;

  • state call-recording laws;

  • carrier requirements;

  • messaging-provider requirements; and

  • industry-specific regulations.

Piper Financial Group does not provide legal advice concerning whether a particular communication is lawful.

16. SMS and MMS Messaging

Users who send SMS or MMS messages through the Services are responsible for:

  • obtaining legally sufficient consent;

  • maintaining appropriate evidence of consent;

  • accurately identifying the sender;

  • sending messages only for purposes covered by the applicable consent;

  • honoring STOP and other legally required opt-out requests;

  • processing opt-outs promptly;

  • complying with messaging-provider requirements;

  • avoiding misleading messaging;

  • complying with quiet-hour requirements where applicable;

  • maintaining accurate contact information;

  • complying with registration requirements such as applicable A2P messaging requirements; and

  • otherwise complying with applicable communications law.

Users may not attempt to bypass platform or carrier restrictions intended to protect consumers or maintain legal compliance.

17. Email Communications

Agency owners are responsible for ensuring commercial email sent through the Services complies with applicable law.

This includes, where applicable:

  • accurate sender information;

  • non-deceptive subject lines;

  • legally required identification;

  • appropriate physical mailing information;

  • functioning unsubscribe mechanisms;

  • prompt processing of unsubscribe requests; and

  • appropriate consent or other lawful authority where required.

18. Telephone Calls

Users are responsible for ensuring calls placed through the Services comply with applicable federal and state law.

This responsibility includes determining:

  • whether consent is required;

  • whether a number may lawfully be called;

  • whether automated or prerecorded technology may be used;

  • whether calling-time restrictions apply;

  • whether do-not-call requirements apply; and

  • whether the person making the call is appropriately licensed or authorized.

19. Call Recording

The Services may provide call-recording functionality.

Call-recording laws vary by jurisdiction.

Some jurisdictions require consent from one participant, while others may require consent from all participants.

Each agency owner and user is solely responsible for determining whether recording a particular call is lawful and for providing legally required disclosures and obtaining legally required consent.

Piper Financial Group does not guarantee that enabling a recording feature automatically satisfies applicable law.

20. Recruiting Communications

Agency owners may use the Services to recruit prospective agents, employees, contractors, producers, or agency partners.

Each agency owner is responsible for ensuring that recruiting materials and communications are:

  • truthful;

  • accurate;

  • not misleading;

  • appropriately authorized;

  • compliant with applicable licensing rules;

  • compliant with employment or independent contractor laws;

  • compliant with advertising laws; and

  • consistent with any representations actually authorized by the agency.

21. No Earnings Guarantee

Neither access to Piper Financial Group's Services nor participation in an insurance, recruiting, agent, or agency opportunity guarantees any particular level of:

  • income;

  • revenue;

  • commissions;

  • sales;

  • leads;

  • recruits;

  • appointments;

  • clients;

  • policies;

  • production;

  • business growth; or

  • financial performance.

Actual results depend upon numerous factors, including individual effort, experience, market conditions, licensing, carrier relationships, sales ability, compliance, expenses, geographic area, and other circumstances.

Any example, testimonial, case study, illustration, or historical result should not be interpreted as a promise or guarantee of future performance.

22. Advertising Claims, Testimonials, and Endorsements

Users are responsible for ensuring advertising, recruiting, testimonial, endorsement, social media, and promotional content distributed through their sub-account complies with applicable law.

Users may not:

  • publish false testimonials;

  • purchase or create deceptive reviews;

  • misrepresent an endorser's experience;

  • make unsupported earnings claims;

  • make false insurance-product representations;

  • conceal material relationships where disclosure is legally required; or

  • publish advertising that is materially deceptive or misleading.

Each agency owner is responsible for substantiating claims made in its own advertising and recruiting materials.

23. Insurance Licensing and Regulatory Compliance

Each agency, agent, producer, recruiter, or representative is solely responsible for maintaining any licenses, registrations, appointments, certifications, authorizations, or approvals required for the person's activities.

Users may not use the Services to:

  • sell or solicit insurance where not appropriately authorized;

  • falsely claim to hold an insurance license;

  • misrepresent an appointment with an insurance carrier;

  • perform regulated activities beyond the scope of an applicable license; or

  • encourage another person to violate insurance regulations.

Piper Financial Group may request evidence of licensing or authorization where reasonably necessary.

24. No Financial, Legal, Tax, or Compliance Advice Through the Platform

Technology, workflows, templates, training, examples, recommendations, automation, documentation, and support provided through the Services are intended for operational or informational purposes.

Unless expressly provided by a properly credentialed professional in the appropriate context, they do not constitute:

  • legal advice;

  • tax advice;

  • accounting advice;

  • compliance advice;

  • investment advice; or

  • individualized financial advice.

Agency owners remain responsible for obtaining professional advice appropriate to their own operations.

25. Piper Financial Group Workflows and Templates

Piper Financial Group may develop and provide proprietary or licensed:

  • workflows;

  • automations;

  • pipelines;

  • campaigns;

  • templates;

  • forms;

  • scripts;

  • messaging sequences;

  • process structures;

  • training;

  • documentation;

  • CRM configurations;

  • marketing structures;

  • recruitment systems;

  • reporting structures;

  • website structures;

  • funnels; and

  • related materials.

Unless expressly agreed otherwise in writing, these materials remain the intellectual property of Piper Financial Group or its licensors.

26. Limited License to Agency Users

During an active authorized relationship with Piper Financial Group, Piper Financial Group grants the agency owner a limited, non-exclusive, non-transferable, revocable license to use Piper-provided workflows and platform materials solely within the authorized sub-account for the agency's legitimate business purposes.

This license does not transfer ownership.

27. Restrictions on Piper Materials

Unless Piper Financial Group gives prior written permission, users may not:

  • sell Piper Financial Group workflows;

  • resell Piper templates;

  • license Piper materials to another organization;

  • export Piper systems for use on a competing platform;

  • copy Piper's entire system for resale;

  • commercially distribute Piper documentation;

  • reproduce Piper training for commercial sale;

  • provide Piper's proprietary account configuration to an unauthorized third party;

  • reverse engineer proprietary configurations for resale; or

  • claim ownership of Piper Financial Group's intellectual property.

An agency may customize permitted materials within its authorized sub-account for its own legitimate use.

28. Agency Content

An agency retains ownership of content that it independently creates and lawfully uploads to the Services, including its:

  • logos;

  • agency-specific branding;

  • photographs;

  • original copy;

  • videos;

  • proprietary documents; and

  • other independently developed materials.

By uploading content, the agency grants Piper Financial Group a limited license to host, reproduce, process, display, modify, and otherwise use that content as reasonably necessary to provide the Services.

The agency represents that it owns or has sufficient rights to use any content it provides.

29. Third-Party Intellectual Property

Users may not upload or distribute content that infringes:

  • copyrights;

  • trademarks;

  • trade secrets;

  • publicity rights;

  • privacy rights; or

  • other intellectual property rights.

Piper Financial Group may remove or restrict content when we reasonably believe the content infringes third-party rights or exposes Piper Financial Group or the platform to legal risk.

30. Artificial Intelligence Features

The Services or underlying HighLevel platform may include artificial intelligence, machine learning, automated generation, conversational AI, transcription, summaries, suggested responses, automated scheduling, or similar technology.

AI-generated output may:

  • contain errors;

  • be incomplete;

  • misunderstand context;

  • contain inaccurate statements; or

  • be unsuitable for a particular regulated communication.

Users must independently review AI-generated output before relying on or distributing it where accuracy or compliance is important.

Agency owners remain responsible for communications, decisions, representations, and content generated or assisted by AI within their sub-accounts.

31. Third-Party Services and Integrations

The Services may integrate with third-party products, including:

  • HighLevel;

  • telecommunications providers;

  • email providers;

  • calendar systems;

  • advertising platforms;

  • social media platforms;

  • payment processors;

  • analytics providers;

  • insurance-related technologies;

  • automation tools; and

  • other applications.

Piper Financial Group does not control third-party services.

Use of a third-party service may be governed by that provider's own:

  • terms;

  • privacy policy;

  • pricing;

  • data practices;

  • availability;

  • technical requirements; and

  • usage restrictions.

Piper Financial Group is not responsible for a third party's independent acts or omissions except where applicable law provides otherwise.

32. Availability of Services

Piper Financial Group does not guarantee that the Services will be continuously available or error-free.

Availability may be affected by:

  • HighLevel outages;

  • telecommunications carriers;

  • internet disruptions;

  • software updates;

  • third-party integrations;

  • maintenance;

  • security incidents;

  • provider changes;

  • API changes;

  • force majeure events;

  • carrier filtering;

  • account reviews; or

  • other circumstances outside Piper Financial Group's reasonable control.

Piper Financial Group may perform maintenance or platform changes without advance notice when reasonably necessary.

33. Feature Changes

The functionality available through HighLevel or another technology provider may change.

Piper Financial Group may:

  • add features;

  • remove features;

  • replace integrations;

  • modify workflows;

  • update systems;

  • alter user permissions;

  • change platform configurations; or

  • migrate technology

when reasonably necessary to operate, improve, secure, or maintain the Services.

A particular third-party feature is not guaranteed to remain available permanently.

34. Support

Piper Financial Group may provide technical or administrative support to authorized platform users.

Support does not include a guarantee that:

  • every issue can be resolved;

  • a third-party provider will correct an issue;

  • lost data can always be recovered;

  • a particular integration will remain compatible; or

  • custom modifications will be provided without additional fees.

Piper Financial Group may establish reasonable support procedures and response priorities.

35. Fees

Certain Services may require payment.

Applicable:

  • subscription fees;

  • setup fees;

  • administrative fees;

  • usage fees;

  • communication charges;

  • telephone charges;

  • SMS charges;

  • email charges;

  • add-on fees;

  • integration fees;

  • software costs; or

  • other charges

may be stated in an order form, proposal, invoice, subscription agreement, account agreement, checkout page, or other pricing communication.

By purchasing a paid Service, you agree to pay the applicable charges.

36. Third-Party Usage Charges

Some platform services may generate variable third-party charges, including charges associated with:

  • SMS;

  • MMS;

  • telephone minutes;

  • telephone numbers;

  • email;

  • AI usage;

  • premium workflow actions;

  • verification services;

  • domains;

  • integrations; or

  • other metered services.

Unless otherwise expressly agreed, users are responsible for applicable usage charges associated with their account.

Piper Financial Group may pass through provider price increases or usage-based charges.

37. Billing Information

Users purchasing paid Services agree to provide accurate billing information.

You agree to promptly update information when necessary.

Where recurring billing is authorized, you authorize Piper Financial Group or its payment processor to charge the designated payment method according to the applicable billing arrangement until the Service is canceled or terminated.

38. Taxes

Fees may exclude applicable:

  • sales tax;

  • use tax;

  • excise tax;

  • telecommunications tax;

  • regulatory fees; or

  • similar governmental charges.

The customer is responsible for applicable taxes or governmental charges unless applicable law requires Piper Financial Group to collect and remit them.

39. Refunds

Unless otherwise stated in a separate written agreement or required by applicable law, fees paid for Services already provided, subscription periods already begun, setup work performed, or third-party usage charges incurred are non-refundable.

Any specific refund rights stated in a separate written agreement will control over this section.

40. Suspension of Access

Piper Financial Group may immediately suspend, restrict, or limit access to the Services when reasonably necessary because of:

  • nonpayment;

  • suspected fraud;

  • suspected account compromise;

  • a security threat;

  • violation of these Terms;

  • unlawful activity;

  • provider complaints;

  • carrier complaints;

  • excessive spam complaints;

  • regulatory concerns;

  • unauthorized use;

  • abuse of the platform;

  • HighLevel requirements;

  • telecommunications-provider requirements;

  • infringement claims; or

  • conduct that creates material risk for Piper Financial Group or another person.

Where reasonably practicable, Piper Financial Group may provide notice and an opportunity to cure.

Immediate suspension may occur when necessary to prevent harm or comply with legal or provider requirements.

41. Termination by Agency Owner

An agency owner may terminate its use of paid Services according to the cancellation procedures or notice requirements contained in the applicable subscription, proposal, order form, or other agreement.

Termination does not eliminate obligations incurred before the effective termination date.

42. Termination by Piper Financial Group

Piper Financial Group may terminate access when:

  • the user materially breaches these Terms;

  • required fees remain unpaid;

  • the account is used unlawfully;

  • required licensing is lost;

  • the user's activity jeopardizes platform availability;

  • HighLevel requires termination or suspension;

  • a communications provider requires termination;

  • continued service creates unreasonable legal or regulatory risk;

  • the parties' underlying business relationship terminates; or

  • another termination right exists under a separate agreement.

43. Effect of Termination

Upon termination:

  • the agency's right to use the platform ends;

  • user credentials may be disabled;

  • Piper Financial Group's limited license to agency-provided content may continue only as reasonably necessary for legal, security, backup, or transition purposes;

  • outstanding payment obligations remain due;

  • rights intended to survive termination remain effective; and

  • access to Piper Financial Group's proprietary workflows and materials may cease.

44. Data Following Termination

If an agency relationship ends, Piper Financial Group may provide a commercially reasonable opportunity to export agency-controlled contact information when:

  • technically feasible;

  • legally permitted;

  • all undisputed amounts are paid;

  • the agency requests export within a reasonable period; and

  • export does not require Piper Financial Group to provide proprietary workflows, platform configurations, software licenses, or intellectual property.

Piper Financial Group does not guarantee that all data can be exported in the same format in which it appeared within HighLevel.

Piper Financial Group may retain information following termination where reasonably necessary for:

  • backups;

  • legal obligations;

  • regulatory requirements;

  • financial records;

  • security;

  • fraud prevention;

  • dispute resolution; or

  • enforcement of agreements.

45. No Right to Piper's Master Account

Termination or transfer of an agency relationship does not entitle the agency owner to access, ownership, control, credentials, or transfer of Piper Financial Group's master HighLevel agency account.

46. Privacy

Use of personal information through the Services is subject to Piper Financial Group's Privacy Policy.

Agency owners are additionally responsible for maintaining any privacy notice required for their own organization.

If an agency collects personal information through a customized agency-branded page, form, funnel, or communication, the agency owner is responsible for determining whether its own privacy policy must be presented.

47. Information Security

Users must take reasonable measures to protect personal information and platform credentials.

Users may not:

  • intentionally disclose passwords;

  • allow unauthorized shared account access;

  • bypass security controls;

  • export information for unauthorized purposes;

  • knowingly expose sensitive information;

  • introduce malware; or

  • attempt to access another agency's data.

Piper Financial Group may require password changes, multi-factor authentication, user revocation, or other security measures where reasonably necessary.

48. Security Incidents

Users must promptly notify Piper Financial Group if they become aware of:

  • unauthorized account access;

  • compromised credentials;

  • unlawful disclosure;

  • suspected data theft;

  • malware affecting the platform; or

  • another security incident involving Piper-provisioned Services.

The agency agrees to reasonably cooperate in investigating and remediating security incidents affecting its account.

49. Representations and Warranties of Agency Users

Each agency owner represents and warrants that:

  1. it has authority to enter into these Terms;

  2. information provided to Piper Financial Group is accurate;

  3. it will maintain all legally required licenses and authorizations;

  4. its use of the Services will comply with applicable law;

  5. it has lawful authority to process information it uploads;

  6. it will obtain required communications consent;

  7. it will honor opt-outs;

  8. it will properly supervise authorized users;

  9. its marketing and recruiting claims will not be materially misleading;

  10. it owns or has rights to content it uploads; and

  11. it will not knowingly use the Services in a manner that creates unlawful risk for Piper Financial Group or HighLevel.

50. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

Piper Financial Group disclaims all warranties not expressly provided in a written agreement, including implied warranties of:

  • merchantability;

  • fitness for a particular purpose;

  • non-infringement;

  • availability;

  • accuracy;

  • reliability;

  • uninterrupted service; and

  • error-free operation.

Piper Financial Group does not warrant that:

  • the Services will produce a particular business result;

  • a specific number of recruits will be generated;

  • a specific number of leads will be generated;

  • communications will always be delivered;

  • every workflow will operate without interruption;

  • third-party integrations will remain available;

  • all software defects will be corrected;

  • all information will always be recoverable; or

  • third-party services will perform as expected.

Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply where prohibited.

51. Insurance and Financial Results Disclaimer

Piper Financial Group does not guarantee the availability, suitability, approval, issuance, performance, or pricing of any insurance or financial product.

Insurance and financial products may be subject to:

  • underwriting;

  • eligibility requirements;

  • carrier approval;

  • product availability;

  • state requirements;

  • licensing restrictions;

  • contract terms;

  • exclusions;

  • fees;

  • market conditions; and

  • other limitations.

Platform technology does not alter the terms of any insurance contract or financial product.

52. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PIPER FINANCIAL GROUP AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATED TO THE SERVICES.

This includes, without limitation:

  • lost profits;

  • lost revenue;

  • loss of goodwill;

  • loss of business opportunity;

  • lost data;

  • lost leads;

  • lost recruits;

  • lost commissions;

  • communication failures;

  • platform downtime;

  • third-party outages; or

  • unauthorized third-party activity.

Except where prohibited by applicable law or otherwise stated in a signed written agreement, Piper Financial Group's aggregate liability arising out of or relating to the Services will not exceed the total fees actually paid by the applicable user to Piper Financial Group for the affected Services during the six months immediately preceding the event giving rise to the claim.

If no fees were paid for the affected Service, Piper Financial Group's aggregate liability will not exceed $100.

The limitations in this section apply to the maximum extent permitted by applicable law regardless of the theory of liability.

53. Exclusions from Liability Limitation

Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by applicable law.

54. Indemnification

To the maximum extent permitted by law, an agency owner or other business user agrees to defend, indemnify, and hold harmless Piper Financial Group and its officers, directors, employees, contractors, affiliates, and representatives from claims, liabilities, damages, judgments, losses, costs, and reasonable attorneys' fees arising from or related to:

  • the user's violation of these Terms;

  • unlawful communications;

  • TCPA claims arising from the user's conduct;

  • CAN-SPAM violations arising from the user's conduct;

  • call-recording violations;

  • privacy violations;

  • unauthorized use of personal information;

  • infringement by user-provided content;

  • misleading recruiting representations;

  • false advertising;

  • licensing violations;

  • regulatory violations;

  • unauthorized platform access;

  • the actions of the agency's authorized users;

  • the agency's relationship with recruits, agents, customers, or prospects; or

  • information unlawfully uploaded by the agency.

Piper Financial Group reserves the right to participate in the defense of any matter subject to indemnification.

No settlement imposing liability or obligations upon Piper Financial Group may be entered without Piper Financial Group's prior written consent.

55. Relationship with Recruits and Customers

Piper Financial Group is not responsible for disputes arising solely between an independent agency and that agency's:

  • recruit;

  • prospective recruit;

  • agent;

  • contractor;

  • employee;

  • prospect;

  • lead; or

  • customer,

except to the extent Piper Financial Group is independently responsible under applicable law.

The agency remains responsible for representations and commitments made by its personnel.

56. Force Majeure

Piper Financial Group will not be responsible for delay or failure caused by circumstances beyond its reasonable control, including:

  • natural disasters;

  • severe weather;

  • fire;

  • flood;

  • war;

  • terrorism;

  • civil unrest;

  • government action;

  • labor disruption;

  • widespread internet outages;

  • telecommunications failures;

  • cloud-service failures;

  • cyberattacks;

  • carrier outages;

  • utility failures;

  • software-provider outages; or

  • similar events.

57. Changes to These Terms

Piper Financial Group may modify these Terms from time to time to reflect changes in:

  • the Services;

  • technology;

  • HighLevel functionality;

  • communications requirements;

  • business practices;

  • legal requirements;

  • regulatory requirements; or

  • provider requirements.

The updated Terms will display a revised “Last Updated” date.

For material changes affecting existing paid platform users, Piper Financial Group may provide additional notice where reasonably appropriate or legally required.

Continued use of the Services after revised Terms become effective constitutes acceptance of those revised Terms to the extent permitted by law.

58. Governing Law

These Terms and any dispute arising from them will be governed by the laws of the State of Missouri, without regard to its conflict-of-laws principles, except to the extent federal law governs a particular matter.

59. Informal Dispute Resolution

Before commencing arbitration or litigation, the parties agree to make a reasonable good-faith effort to resolve the dispute informally.

A party initiating a dispute must provide written notice describing:

  • the party's name;

  • contact information;

  • the nature of the dispute;

  • the relevant facts; and

  • the requested resolution.

Notice to Piper Financial Group should be sent to:

Piper Financial Group, Inc.
701 Country Stone Ct
Ballwin, Missouri 63021

Email: courtney_piper@piperfinancialgroup.com

The parties will have at least 30 days after receipt of the notice to attempt an informal resolution before initiating arbitration, except where immediate injunctive relief is reasonably necessary.

60. Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except for matters described below, any dispute, claim, or controversy arising out of or relating to:

  • these Terms;

  • the Services;

  • a platform account;

  • a sub-account;

  • the parties' relationship; or

  • the termination of that relationship

that cannot be resolved through the informal process above will be resolved through binding individual arbitration rather than a lawsuit in court.

The arbitration will be administered by the American Arbitration Association (“AAA”) under the applicable AAA rules.

The arbitration will be governed by the Federal Arbitration Act.

Unless the parties mutually agree otherwise or applicable law requires otherwise, arbitration will take place in or reasonably near St. Louis County, Missouri, or may occur remotely where permitted by the applicable rules.

The arbitrator may award the same individual remedies that a court of competent jurisdiction could award.

Judgment on the arbitration award may be entered in any court having jurisdiction.

61. Arbitration Exceptions

Either party may bring an individual action in small claims court if the claim qualifies.

Piper Financial Group may seek temporary, preliminary, or permanent injunctive relief in a court of competent jurisdiction to prevent:

  • intellectual property infringement;

  • unauthorized access;

  • data theft;

  • misuse of proprietary workflows;

  • misuse of confidential information;

  • cybersecurity threats; or

  • other conduct where immediate equitable relief is reasonably necessary.

62. Class Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DISPUTES MUST BE RESOLVED ON AN INDIVIDUAL BASIS.

You and Piper Financial Group agree not to:

  • participate in a class action;

  • pursue a class arbitration;

  • act as a private attorney general;

  • participate in a representative action; or

  • consolidate claims with claims of unrelated parties,

except where applicable law prohibits such a waiver.

The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that party's individual claim.

63. Jury Trial Waiver

To the extent a dispute is permitted to proceed in court rather than arbitration, each party knowingly and voluntarily waives the right to a trial by jury to the maximum extent permitted by law.

64. Arbitration Opt-Out

You may opt out of the arbitration and class-action-waiver provisions by providing written notice to Piper Financial Group within 30 days after first accepting these Terms.

The notice must include:

  • your full name;

  • your business or agency name, if applicable;

  • your email address;

  • a clear statement that you wish to opt out of arbitration; and

  • your signature or equivalent authenticated indication of your request.

Send the notice to:

Piper Financial Group, Inc.
701 Country Stone Ct
Ballwin, Missouri 63021

or:

courtney_piper@piperfinancialgroup.com

Opting out of arbitration will not affect the remaining provisions of these Terms.

65. Venue for Non-Arbitrable Claims

To the extent a claim is not subject to arbitration and is not eligible for small claims court, the parties consent to the jurisdiction of the appropriate state or federal courts located in or serving St. Louis County, Missouri, unless applicable law requires another venue.

66. Notices

Piper Financial Group may provide operational or legal notices through:

  • email;

  • the platform;

  • account notifications;

  • website postings; or

  • another reasonable electronic method.

Users are responsible for keeping their contact information current.

Formal legal notices to Piper Financial Group may be sent to:

Piper Financial Group, Inc.
701 Country Stone Ct
Ballwin, Missouri 63021

Email: courtney_piper@piperfinancialgroup.com

67. Assignment

You may not assign or transfer your rights under these Terms without Piper Financial Group's prior written consent.

Piper Financial Group may assign these Terms in connection with:

  • a merger;

  • acquisition;

  • corporate restructuring;

  • sale of assets;

  • transfer of business operations; or

  • similar transaction.

68. No Waiver

Failure by Piper Financial Group to enforce a provision of these Terms does not constitute a waiver of that provision or any other right.

Any waiver must be in writing to be effective unless applicable law provides otherwise.

69. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, the remaining provisions will remain in effect to the maximum extent permitted by law.

The invalid provision will be modified or severed only to the extent necessary to make the remainder of these Terms enforceable.

70. Headings

Section headings are provided for convenience and do not affect interpretation of these Terms.

71. Entire Agreement

These Terms, together with:

  • Piper Financial Group's Privacy Policy;

  • any applicable order form;

  • subscription agreement;

  • proposal;

  • account agreement;

  • pricing agreement; and

  • other written agreement expressly incorporated by reference

constitute the agreement governing the applicable Services.

If there is a conflict between these general Terms and a separately signed agreement between Piper Financial Group and an agency owner concerning the same subject matter, the separately signed agreement will control to the extent of the conflict.

72. Survival

Provisions that by their nature should survive termination will remain in effect following termination, including provisions concerning:

  • payment obligations;

  • intellectual property;

  • confidentiality where applicable;

  • data responsibilities;

  • disclaimers;

  • limitation of liability;

  • indemnification;

  • dispute resolution;

  • governing law; and

  • enforcement.

73. Electronic Acceptance

Electronic acceptance of these Terms has the same force and effect as acceptance through a handwritten signature to the extent permitted by applicable law.

Acceptance may occur through:

  • checking an acceptance box;

  • electronically signing;

  • creating an account;

  • accepting an invitation;

  • activating a sub-account;

  • purchasing Services; or

  • continuing to use Services after being presented with these Terms.

Piper Financial Group may maintain electronic records demonstrating acceptance.

74. Contact Information

Questions regarding these Terms may be directed to:

Piper Financial Group, Inc.
701 Country Stone Ct
Ballwin, Missouri 63021
United States

Email: courtney_piper@piperfinancialgroup.com
Website: https://piperfinancialgroup.com/

© 2026 Piper Financial Group, Inc. All Rights Reserved.