Terms of Service

By accessing or using the Policy Ring website, you agree to these Terms of Service. If you do not agree, please do not use the website. Policy Ring is operated by Black Shark Ventures LLC.

The website provides general information about Policy Ring's business and potential insurance call opportunities across Final Expense, Medicare, and ACA markets. It allows prospective customers to submit inquiries. It is not a self-service insurance marketplace, an insurance enrollment portal, or an online checkout system for purchasing calls.

You agree to:

• Provide accurate information when submitting inquiries
• Use the website for lawful purposes
• Avoid fraudulent, misleading, or disruptive submissions
• Refrain from unauthorized access to website systems
• Respect intellectual property rights
• Not misrepresent business identity or authorization

The website includes a Get Started form for prospective insurance agents and agencies to request information about call opportunities, and a Contact Us form for general questions, partnerships, support, and billing inquiries. Submitting either form does not automatically create a purchasing agreement.

Submitting a form does not authorize unrestricted promotional calls, automated text messages, or other marketing communications unless appropriate disclosures and consent are provided. [Pending confirmation: actual communication consent practices]

These website Terms of Service are not the complete commercial agreement for purchasing insurance calls. Actual call purchases may require a separate agreement covering call pricing, payment terms, deposits or minimums, qualification criteria, billable-call definitions, duration thresholds, delivery requirements, licensed-state restrictions, scheduling, duplicate and missed calls, invalid-call disputes, credits or refunds, cancellation, and compliance responsibilities.

These commercial terms have not all been finalized. Submitting an inquiry does not constitute a purchase or acceptance of a call-delivery agreement. The website Terms of Service alone do not establish call pricing, delivery obligations, or payment requirements. [Pending confirmation: finalized commercial terms]

Information displayed on the website may change. Availability depends on relevant business and campaign conditions. Listing an insurance category does not guarantee call availability. Submitting an inquiry does not guarantee approval, call delivery, or a purchase. General website descriptions do not replace confirmed commercial terms.

Insurance call opportunities do not guarantee sales or financial results. A live conversation does not guarantee an insurance application, an issued policy, a paid premium, a particular close rate, a specific acquisition cost, profitability, or a return on advertising spend. Results depend on consumer circumstances, eligibility, agent capabilities, available products, and campaign economics.

Policy Ring is a B2B insurance call acquisition brand. It is not an insurance carrier, Medicare, a government agency, or a government-sponsored enrollment service. We do not claim to be licensed as an insurance agency, broker, or carrier unless that status is verified. We do not sell, underwrite, issue, or guarantee insurance policies. [Pending confirmation: any verified licensure status]

The Policy Ring brand name, logo, visual identity, website copy, graphics, illustrations, and original design elements are owned or properly licensed by the business. You may not copy, distribute, or commercially exploit website content without authorization. We do not assert ownership of third-party trademarks, software, or stock assets. [Pending confirmation: verified trademark registration status]

The website may link to or integrate with third-party services, including the platform used for our forms and related business processes. Third-party services have their own terms and privacy policies. Policy Ring does not control independent third-party websites or their availability.

The website is provided on an "as available" basis. We do not promise uninterrupted availability or error-free performance. Any warranty disclaimers will be legally appropriate and reviewed before publication. [Pending confirmation: final warranty language]

To the extent permitted by applicable law, Policy Ring's liability arising from use of this informational website is limited. The scope and enforceability of any limitation depend on applicable law and the actual business relationship. We do not invent arbitrary dollar limits or blanket exclusions. [Pending confirmation: reviewed limitation-of-liability provision]

Any indemnification provision will be appropriate for the website's actual functionality and user interactions, and will be reviewed before publication. Website-use obligations are separate from the contractual obligations of insurance call buyers. [Pending confirmation: reviewed indemnification language]

Black Shark Ventures LLC is a Florida business entity. The exact governing law, venue, arbitration, and dispute-resolution provisions will be confirmed before publication. We do not insert binding arbitration, class-action waivers, or mandatory venues without authorization. Separate commercial agreements may contain their own dispute-resolution provisions. [Pending confirmation: final governing-law and dispute terms]

These terms may be updated as the website, business practices, or legal requirements evolve. The effective date will be displayed below once approved. [Pending confirmation: effective date]

Last updated: [Pending confirmation: date pending approval]

Policy Ring, operated by Black Shark Ventures LLC

Email: hello@policyring.com

6586 W Atlantic Ave, Unit #2084, Delray Beach, FL 33446, United States