Terms & Conditions

Acceptance of Terms

By subscribing to book'd, accessing our onboarding process, making a payment, or otherwise engaging with our services, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree to these Terms and Conditions in their entirety, you may not use our services. Your continued use of book'd's services following the posting of any modifications to this Agreement constitutes your acceptance of those modifications.

You represent that you are at least 18 years of age, legally capable of entering into binding contracts, and are using the services for lawful business purposes within the life insurance industry or related fields.

Description of Services

book'd provides a done-for-you AI booking automation system specifically designed for independent life insurance agents. The core services delivered under this Agreement include:

• Configuration and deployment of up to 18 pre-built book'd automation workflows covering lead intake, qualification, appointment booking, policy follow-up, referral generation, reactivation campaigns, and compliance management.
• Setup and configuration of up to 6 specialized AI agents within your book'd CRM, including Conversation AI, Reviews AI, Voice AI Inbound, Voice AI Outbound, Content AI, and Funnel AI.
• Integration of lead sources including Meta Ads (Facebook and Instagram), Facebook Groups, Instagram profiles, and referral pipelines into your book'd account.
• An onboarding process including an initial discovery call to capture your business details, branding preferences, lead sources, and compliance configuration requirements.
• Quality assurance testing of all deployed workflows prior to go-live handoff.
• Ongoing monthly optimization review and dedicated support access during the subscription period.

book'd reserves the right to modify, update, or improve the workflows, AI agents, or service components at any time. Such modifications will be made to improve performance, maintain compliance with applicable regulations, or adapt to changes in third-party platform capabilities, and will not constitute a material breach of this Agreement.

Done-for-You Service Model

book'd operates on a done-for-you configuration model. This means book'd performs all setup, configuration, and deployment work on your behalf — but all workflows, AI agents, automations, and data reside within your book'd account, which you own and control.

The scope of book'd's role is strictly as a configuration services provider. book'd does not own, operate, or take custody of your book'd account, your leads, your client data, or your business communications at any time. Specifically:

• book'd configures workflows and agents inside your book'd account using credentials and access you provide.
• All automated messages, calls, and communications are sent from your book'd account using your account's registered phone numbers, email addresses, and messaging infrastructure.
• You remain the account holder and operator of record for all book'd services, A2P 10DLC registrations, and messaging throughput.
• book'd does not send messages on your behalf from book'd-owned infrastructure.
• You are solely responsible for the content, timing, targeting, and compliance of all communications sent through your book'd account, including those triggered by book'd-configured workflows.

book'd Account Requirements

book'd's services require that you maintain an active book'd account in good standing. The following requirements apply throughout the duration of your book'd subscription:

• You are responsible for maintaining your book'd account in good standing throughout your subscription period.
• You must provide book'd with sufficient administrative access to your book'd account to perform configuration, testing, and optimization work. book'd will use this access solely for service delivery purposes.
• You are responsible for maintaining your book'd account in compliance with book'd's Terms of Service and Acceptable Use Policy. Suspension or termination of your book'd account does not suspend or excuse your payment obligations to book'd.
• You must complete A2P 10DLC registration (or equivalent carrier compliance requirements) for your book'd account's phone numbers prior to or concurrent with book'd's deployment, as applicable. book'd can advise on this process but is not responsible for registration approvals, denials, or carrier enforcement actions.
• You are responsible for ensuring that your book'd account has sufficient message credits, workflow action capacity, and AI agent usage allocation to support the deployed automations. book'd is not responsible for service degradation caused by account credit exhaustion or platform limitations.
• If your book'd account is suspended, restricted, or terminated by book'd for any reason, book'd's service obligations are paused until access is restored, and no refund or credit will be issued for that period.

Payment Terms

book'd's services are billed at $2,995 per month ("Monthly Fee"). The following payment terms apply:

• Billing Cycle. Your subscription is billed monthly, beginning on the date your initial payment is processed ("Billing Date"). Subsequent invoices are issued on the same calendar day each month.
• Payment Method. You agree to provide a valid payment method (credit card, ACH, or other approved method) and authorize book'd to charge your payment method on each Billing Date for the Monthly Fee.
• No Setup Fee. book'd does not charge a separate setup or onboarding fee. The first Monthly Fee covers your initial configuration, deployment, and first month of service.
• Auto-Renewal. Your subscription automatically renews on a month-to-month basis unless you cancel in accordance with Section 6 (Cancellation Policy) prior to your next Billing Date.
• Failed Payments. If a payment fails, book'd will attempt to reprocess the charge up to three times over five business days. If payment is not received after the final attempt, book'd may suspend service delivery and/or terminate this Agreement with written notice. You remain liable for all fees accrued through the date of suspension or termination.
• Late Fees. Amounts outstanding more than 10 days past the Billing Date may accrue interest at the rate of 1.5% per month (or the maximum rate permitted by applicable law, whichever is less) until paid in full.
• Price Changes. book'd reserves the right to adjust the Monthly Fee upon 30 days' written notice to you. If you do not agree to the new pricing, you may cancel your subscription in accordance with Section 6 before the new pricing takes effect. Continued use of the services after the effective date of a price change constitutes acceptance of the new fee.
• Taxes. The Monthly Fee is exclusive of all applicable taxes, levies, or duties, including sales tax, use tax, or value-added tax. You are responsible for paying any such taxes assessed in connection with your use of book'd's services.

Cancellation Policy

book'd is a month-to-month service. There are no long-term contracts or lock-in periods. You may cancel your subscription at any time, subject to the following terms:

• Notice Requirement. To cancel your subscription, you must provide written notice to book'd (via email to the address listed in Section 18) at least 5 business days before your next Billing Date. Cancellation requests submitted with fewer than 5 business days' notice may result in one additional monthly billing cycle.
• Effective Date. Cancellation takes effect at the end of your current paid billing period. You will retain access to book'd's optimization support and dedicated support channel through the end of that period.
• No Pro-Ration. book'd does not provide pro-rated refunds for partial months. If you cancel mid-cycle, your service will remain active through the end of that billing period and will not renew thereafter.
• Workflow Retention. Upon cancellation, all workflows and AI agents previously deployed in your book'd account remain in your book'd account. You own your book'd account and its contents. book'd will not remove workflows upon cancellation unless you specifically request it.
• book'd Termination Rights. book'd may terminate your subscription immediately and without notice if you: (a) violate these Terms and Conditions; (b) engage in fraudulent, illegal, or abusive behavior; (c) fail to make timely payment after notice; or (d) use book'd's services in a manner that creates legal or reputational risk for book'd.

Refund Policy

Due to the nature of done-for-you configuration services, where significant labor and expertise are invested immediately upon subscription commencement, book'd maintains the following refund policy:

• No Refunds After Deployment Begins. Once book'd has commenced onboarding or begun workflow configuration work, monthly fees are non-refundable. Configuration work is considered commenced upon completion of your initial onboarding call or receipt of your book'd account access credentials, whichever occurs first.
• Pre-Deployment Cancellation. If you cancel your subscription before book'd has commenced any onboarding or configuration work, you may be eligible for a full refund of your first monthly payment at book'd's sole discretion. Refund requests must be submitted in writing within 48 hours of your initial payment.
• Service Failures. If book'd fails to deliver the core contracted services (18 workflows + 6 AI agents) within 14 days of your onboarding call (excluding delays attributable to your failure to provide required access, information, or book'd account credentials), you may request a prorated credit at book'd's discretion. Credits are applied to future billing and are not issued as cash refunds.
• Chargebacks. Initiating a chargeback or payment dispute for legitimate charges is a material breach of this Agreement. book'd reserves the right to immediately terminate your subscription and pursue collection of all outstanding amounts, plus any costs incurred in defending against illegitimate chargebacks, including reasonable attorney's fees.

Intellectual Property

This Agreement grants you a limited, non-exclusive, non-transferable right to use the configured workflows and AI agent setups within your book'd account during your active subscription. Intellectual property ownership is governed as follows:

• book'd Proprietary Assets. The underlying workflow templates, prompt architectures, configuration methodologies, agent design frameworks, and operational playbooks used by book'd to deliver services are and remain the proprietary intellectual property of book'd. These materials are trade secrets and confidential business information regardless of their deployment in your book'd account.
• Your book'd Account. Your book'd account, your contacts, your lead data, your conversation history, and any content you create or provide (including your business name, branding, and messaging) are your property. book'd makes no claim to any of your data or account contents.
• Deployed Configurations. The specific workflow configurations, automation sequences, and AI agent setups that book'd deploys into your book'd account during an active subscription are licensed to you for use during the subscription period. You may continue to use and modify these configurations after cancellation — they remain in your book'd account — but book'd is not obligated to support, update, or optimize them after your subscription ends.
• No Reverse Engineering. You agree not to reverse engineer, replicate, or resell book'd's workflow methodologies, prompt designs, or configuration frameworks. You may not use knowledge gained from book'd's services to create a competing service or to offer similar configuration services to third parties.
• Feedback. If you provide feedback, suggestions, or improvement ideas to book'd, you grant book'd a perpetual, royalty-free, worldwide license to use such feedback without obligation or compensation to you.

Client Responsibilities

Your cooperation is essential for successful service delivery. You agree to fulfill the following responsibilities throughout your engagement with book'd:

• Timely Onboarding Participation. You will attend the scheduled onboarding call, provide all requested business information, and supply book'd account access credentials within 5 business days of subscription commencement. Delays caused by your non-participation may extend the deployment timeline without any credit or refund obligation on book'd's part.
• Accurate Information. You will provide accurate, complete, and current information about your business, lead sources, compliance preferences, and book'd account configuration. book'd is not responsible for errors, misdeliveries, or compliance failures arising from inaccurate information you provide.
• book'd Account Maintenance. You are responsible for maintaining your book'd account, including timely payment of book'd subscription fees, carrier registration compliance, and adherence to book'd's platform policies.
• Lead Data and Consent. You are solely responsible for the legality of your lead acquisition methods and for maintaining appropriate consent records for all contacts in your book'd account. book'd deploys workflows — you populate the contacts those workflows communicate with.
• Reviewing Deployed Workflows. Prior to activating any deployed workflow, you are responsible for reviewing its content, messaging, and trigger logic to confirm it meets your legal, compliance, and business requirements. Activation of workflows constitutes your acceptance of their current configuration.
• Lawful Use. You will use book'd's services exclusively for lawful purposes. You will not use the configured workflows to send spam, engage in deceptive marketing, violate TCPA or CAN-SPAM requirements, or contact individuals who have not provided appropriate consent.
• Monitoring Automated Communications. You are responsible for monitoring the automated communications sent from your book'd account. book'd is not liable for errors, inappropriate responses, or compliance violations generated by AI conversation agents operating in your account.
• Opt-Out Honoring. You are responsible for ensuring that all opt-out requests (STOP, UNSUBSCRIBE, or equivalent) received through your book'd account are honored promptly. book'd's compliance workflows provide structure, but you are the operator responsible for execution.

TCPA / SMS Compliance

The Telephone Consumer Protection Act (TCPA) and related FCC regulations impose strict requirements on automated text messages and calls to consumers. Non-compliance carries statutory damages of $500 to $1,500 per violation. This section governs the division of responsibility between you and book'd regarding TCPA compliance.

Specifically, you acknowledge and agree to the following:

• Prior Express Written Consent. Before sending any automated text messages or making automated/prerecorded calls to any lead or contact through your book'd account, you must have obtained prior express written consent from that individual that meets the requirements of the TCPA and applicable FCC rules. Consent obtained through opt-in forms, lead generation ads, or other means must be specific, unambiguous, and documented.
• Consent Documentation. You are responsible for maintaining adequate records of consent for each contact in your book'd database. book'd's compliance workflows provide mechanisms to capture and store consent data within book'd, but it is your obligation to verify that consent is being captured correctly for your specific lead sources and acquisition methods.
• Opt-Out Compliance. You must honor all STOP, UNSUBSCRIBE, or equivalent opt-out requests immediately and ensure opted-out contacts are removed from automated outreach sequences. book'd's workflows include opt-out handling automations, but you are responsible for verifying these function correctly and for any manual review required.
• Do-Not-Call Compliance. You are responsible for scrubbing your contact lists against the National Do Not Call Registry and applicable state do-not-call lists before initiating outbound campaigns. book'd does not perform DNC list scrubbing on your behalf.
• State Law Compliance. Many states have laws more restrictive than the TCPA governing automated communications, call timing, and consent requirements. You are responsible for compliance with all applicable federal, state, and local laws governing your communications, including but not limited to state mini-TCPA laws.
• A2P 10DLC Registration. If you send SMS messages via 10-digit long code (10DLC) phone numbers, you are required by carrier regulations to register your messaging use case through A2P 10DLC. You are responsible for completing this registration and maintaining it in good standing. book'd may assist you in understanding this requirement but is not responsible for registration outcomes.
• Insurance Regulatory Compliance. As a licensed insurance professional, you may be subject to additional state insurance department regulations governing marketing communications. You are responsible for complying with these requirements independently of the technical automations book'd configures.
• No Legal Advice. Nothing in book'd's workflows, templates, or communications constitutes legal advice. book'd is a technology configuration service, not a law firm. You should consult a qualified attorney regarding your specific TCPA obligations and consent practices.

book'd's TCPA compliance workflows are designed to provide infrastructure that supports compliant operations — including consent capture, opt-out processing, and do-not-contact management. However, deploying these workflows does not guarantee legal compliance. Compliance depends on the accuracy of your consent collection, the completeness of your contact data, and your adherence to applicable legal requirements.

Data and Privacy

The following terms govern how data is handled in connection with book'd's services:

• Your Data Ownership. All contact data, lead records, conversation histories, and business data residing in your book'd account belong to you. book'd does not claim any ownership or license to your customer data beyond what is necessary to configure and deliver services.
• Access for Service Delivery. You grant book'd limited access to your book'd account for the purpose of configuring, testing, and optimizing your workflows and AI agents. book'd will not access your account data for any purpose other than service delivery, and will not share, sell, or transfer your contact data to any third party.
• book'd Business Information. In the course of onboarding, you will share business information with book'd including your business name, contact information, lead source details, and branding materials. This information is used exclusively to configure your system and improve service delivery. See our Privacy Policy at bookd.cx/privacy for full details on how we handle business data.
• Third-Party Platforms. book'd's services may involve connections to Meta, Google, and other third-party platforms. Data flowing through these integrations is governed by those platforms' respective privacy policies and terms of service. book'd is not responsible for data handling practices of third-party platforms.
• Data Security. book'd employs reasonable administrative, technical, and physical safeguards to protect the information you share with us during onboarding and service delivery. However, no method of data transmission or storage is 100% secure, and book'd cannot guarantee absolute data security.
• California Privacy Rights (CCPA). If you are a California resident, you may have additional rights under the California Consumer Privacy Act regarding your personal information. Please review our Privacy Policy for details.
• Data Retention. book'd retains onboarding information and service records for a period of 3 years following the termination of your subscription, or as required by applicable law, whichever is longer.

Limitation of Liability

To the fullest extent permitted by applicable law:

• Aggregate Cap. book'd's total cumulative liability to you for any and all claims arising out of or related to this Agreement or the services provided shall not exceed the total amount of Monthly Fees actually paid by you to book'd during the 3-month period immediately preceding the event giving rise to the claim.
• Exclusion of Consequential Damages. In no event shall book'd be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to: lost profits, lost revenue, lost business opportunities, business interruption, loss of data, TCPA or regulatory fines and penalties, damage to reputation, or the cost of substitute services, even if book'd has been advised of the possibility of such damages.
• Force Majeure. book'd is not liable for delays or failures in performance resulting from causes beyond book'd's reasonable control, including but not limited to: platform infrastructure outages, carrier network failures, changes in Meta or Google advertising policies, regulatory changes, acts of God, cyberattacks, or governmental actions.
• Third-Party Platform Changes. book'd is not liable for service degradation or failure caused by changes to the platform, API modifications, feature deprecations, or policy updates by any third-party service.
• AI Agent Outputs. book'd is not liable for the specific content, accuracy, or appropriateness of communications generated by AI agents operating within your book'd account, including Conversation AI, Voice AI, Content AI, or any other AI-driven component. You are responsible for reviewing AI-generated content and configuring appropriate guardrails.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the above limitations and exclusions apply to the maximum extent permitted by law.

No Guarantees of Results

book'd provides configuration and automation services — not guaranteed business outcomes. You acknowledge and agree to the following:

• No Earnings Guarantees. book'd makes no representations, warranties, or guarantees — express or implied — regarding the number of leads generated, appointments booked, policies written, revenue earned, or any other business outcome resulting from your use of book'd's services.
• Performance Depends on Many Factors. The performance of automated booking systems depends on numerous variables outside book'd's control, including the quality of your lead generation, the accuracy of your target audience, your appointment show rates, your sales conversion rates, market conditions, competition, product pricing, and your personal sales effectiveness.
• Testimonials Are Not Typical. Any testimonials, case studies, or performance examples presented on book'd's website or marketing materials represent the experiences of individual clients under specific circumstances and are not representative of average or expected results.
• Workflow Effectiveness. While book'd's workflows are designed based on industry best practices, book'd does not warrant that any specific workflow will produce any specific result in your particular market, with your particular leads, or using your particular messaging.
• No Warranty of Fitness. THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." BOOK'D DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Indemnification

You agree to defend, indemnify, and hold harmless book'd and its officers, directors, employees, contractors, agents, successors, and assigns from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorney's fees) arising out of or related to:

• Your use of book'd's services, including your operation of automated workflows and AI agents in your book'd account.
• Your violation of these Terms and Conditions.
• Your violation of any applicable law or regulation, including but not limited to the TCPA, CAN-SPAM Act, state do-not-call laws, state insurance regulations, and FCC rules.
• Any claim by a third party arising from communications sent through your book'd account, including TCPA class action claims, individual consumer complaints, or regulatory enforcement actions.
• Your failure to obtain, maintain, or honor appropriate consumer consent for automated communications.
• Any inaccurate or incomplete information you provided to book'd during onboarding or the course of the service relationship.
• Your infringement of any third party's intellectual property, privacy rights, or publicity rights through content or messaging you directed book'd to incorporate into your workflows.
• Your breach of this Agreement or any other third-party platform agreement.

book'd reserves the right to assume exclusive control of the defense of any matter for which you are required to indemnify book'd, in which case you agree to cooperate fully with book'd in asserting available defenses.

Dispute Resolution

The parties agree to use the following process to resolve any dispute, claim, or controversy arising out of or relating to this Agreement or the services provided:

1. Good Faith Negotiation. Before initiating any formal proceedings, the party asserting a dispute must provide written notice to the other party describing the nature of the dispute and the relief sought. The parties will attempt to resolve the dispute through good faith negotiation for a period of 30 days following such notice.
2. Binding Arbitration. If the dispute is not resolved through negotiation within 30 days, it shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules then in effect. The arbitration shall be conducted by a single arbitrator selected in accordance with AAA rules. The arbitration shall be conducted remotely (via videoconference) unless the parties agree otherwise. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
3. Class Action Waiver. YOU AND BOOK'D EACH WAIVE THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE PROCEEDING. All disputes must be brought in your individual capacity only.
4. Exceptions. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights, misappropriation of trade secrets, or to enforce payment obligations.
5. Costs. Each party shall bear its own costs and attorney's fees in arbitration unless the arbitrator determines that a claim or defense was frivolous or brought in bad faith, in which case the arbitrator may award costs and fees to the prevailing party.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. To the extent that any dispute is not subject to arbitration under Section 15, the parties consent to exclusive jurisdiction and venue in the state and federal courts located in Travis County, Texas.

If you are located outside the United States, you are responsible for compliance with local laws and agree that U.S. law and the terms above govern this Agreement regardless of your location.

Modifications to Terms

book'd reserves the right to modify, update, or replace these Terms and Conditions at any time. When changes are made, book'd will:

• Update the "Last Updated" date at the top of this page.
• Notify active subscribers of material changes via email to the address associated with your account, with at least 14 days' notice prior to the effective date of material changes.
• For non-material changes (such as clarifications, formatting updates, or changes that do not affect your substantive rights), no advance notice is required, and changes take effect immediately upon posting.

Your continued use of book'd's services after the effective date of any modification constitutes your acceptance of the revised Terms and Conditions. If you do not agree to a material modification, your sole remedy is to cancel your subscription in accordance with Section 6 before the modification takes effect.

It is your responsibility to review these Terms periodically. book'd recommends bookmarking this page and checking it when you receive notification of changes.

Contact Information

If you have questions about these Terms and Conditions, need to submit a cancellation notice, or wish to contact book'd regarding your subscription, please reach out through the following channels:

For cancellation requests, please email hello@bookd.cx with the subject line "Cancellation Request" and include your account name and the billing email address associated with your subscription. Cancellation requests must be submitted at least 5 business days before your next Billing Date to take effect for that billing cycle.

For legal notices or dispute-related correspondence, please use the legal email address above and clearly indicate the nature of your inquiry. We aim to respond to all legal and billing inquiries within 3 business days.