Terms of
Service.

Acceptance

By accessing or using Backlineflow, you agree to be bound by these terms. If you don't agree, please don't use the service.

Use of service

You agree to use Backlineflowonly for lawful purposes and in accordance with our policies. You're responsible for the accuracy of information you provide and for maintaining the confidentiality of your account credentials.

SMS / Text messaging terms

By providing your mobile number and opting in — for example, by submitting a quote-request form and agreeing to be contacted — you consent to receive recurring automated text messages from Backlineflow and the licensed insurance agent you are matched with. These include life insurance quotes, appointment scheduling and reminders, follow-ups, and policy or account information. Message frequency varies based on your activity. Message and data rates may apply. Reply STOP at any time to unsubscribe, or HELP for help. Consent to receive messages is not a condition of any purchase.

Carriers are not liable for delayed or undelivered messages. No mobile information or SMS opt-in/consent will be shared or sold to any third parties, affiliates, or lead generators for their marketing or promotional purposes. See our Privacy Policy for details.

Trial period

Our 7-day trial is offered at no cost and requires no credit card. We may terminate or extend the trial at our discretion. After the trial, continued use requires a paid subscription per the agreed-upon plan.

Intellectual property

All content, software, and materials provided through Backlineflow are owned by us or our licensors and are protected by intellectual property laws. You receive a limited, non-exclusive license to use the service as intended.

Disclaimer of warranties

Backlineflowis provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or secure, and we make no guarantee of any specific business result, revenue, or outcome.

Limitation of liability

To the fullest extent permitted by law, Backlineflow and its owners and personnel will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, data, or goodwill, arising from or related to your use of the service. Our total liability for any claim will not exceed the greater of the amounts you paid us in the twelve months before the claim or USD $100.

Indemnification

You agree to indemnify and hold harmless Backlineflow from any claims, damages, or expenses (including reasonable legal fees) arising out of your misuse of the service, your violation of these terms, or your violation of any law or the rights of a third party.

Dispute resolution & arbitration

Please read this section carefully — it affects how disputes are resolved and limits how you can bring a claim.

Informal resolution first. If you have a dispute with us, you agree to first contact us at admin@backlineflow.com and give us 30 days to resolve it informally before starting a formal proceeding.

Binding arbitration.If we can't resolve it, any dispute arising out of or relating to these terms or the service will be settled by final and binding individual arbitration administered in the State of New Jersey under the rules of a recognized arbitration provider (such as the American Arbitration Association), rather than in court — except that either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court to protect intellectual property or confidential information.

Class-action and jury-trial waiver. Disputes will be conducted only on an individual basis and not as a plaintiff or class member in any class, consolidated, or representative action. You and Backlineflow each waive the right to a trial by jury.

30-day opt-out. You may opt out of this arbitration agreement by emailing admin@backlineflow.comwithin 30 days of first accepting these terms, stating your name and that you opt out of arbitration. Opting out won't affect any other part of these terms.

Governing law & venue

These terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules. For any matter not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in New Jersey.

Changes

We may update these terms from time to time. Continued use after changes means you accept the updated terms. We'll post the updated date at the top.

Severability

If any provision of these terms is found unenforceable, the remaining provisions will stay in full force, and the unenforceable provision will be limited or removed to the minimum extent necessary.

Contact

Questions? Email admin@backlineflow.com.