Terms of Use

Acceptance of these terms

By visiting apexdm.co or submitting an application through it, you agree to these Terms of Use. If you do not agree, do not use this site or submit an application.

Who may use this site

This site is a business-to-business (B2B) tool. It is intended for licensed annuity producers, agency owners, and agency staff, acting on behalf of a business, who are at least 18 years old and have authority to submit information and requests on that business’s behalf. It is not intended for use by individual retail consumers, and no consumer-facing product is offered through this site today.

An application is not an offer

Submitting the application at /apply, or any information through this site, is a request to be evaluated. It is not an offer by you, and nothing on this site or in an automated response constitutes an offer or acceptance by Apex Digital Media. No contract to provide the appointment program, or any other service, is formed by submitting an application, receiving a qualification result, or booking a program-fit call. A binding engagement, if any, is formed only through a separate, signed agreement.

Qualification decisions are discretionary

Applications are evaluated against an internal, proprietary qualification methodology that we may change at any time without notice. Whether, and at what tier, an application qualifies — and whether a scheduling link is offered — is determined by Apex Digital Media at its sole discretion. We are not obligated to accept, engage with, or provide services to any applicant, and a qualification result is not a certification, endorsement, or representation about your business.

No guarantee of any outcome

Use of this site, submission of an application, and participation in a program-fit call do not guarantee sales, appointments held, commissions, premiums, close rate, or any return on investment. Apex Digital Media does not guarantee any specific commercial result from participating in the appointment program. Licensed producers and agencies remain solely responsible for their own licensing, product-specific communications, suitability and best-interest obligations, disclosures, applications, carrier submissions, servicing, and compliance.

Scheduling and communications

If your application qualifies, we will generate a single-use scheduling link through our scheduling provider, Calendly, for a program-fit call. By checking the consent box in the application, you agree that Apex Digital Media may contact you at the business email address and phone number you provided about your application and related services, including by call, email, and text message. Message and data rates may apply, reply STOP to opt out of text messages, and consent is not a condition of purchase.

Intellectual property

The apexdm.co site, its design, text, graphics, the Evidence Brief format and methodology, and the underlying qualification and attendance-verification systems are owned by Apex Digital Media or its licensors and are protected by intellectual property law. Using this site or submitting an application does not grant you any license to use our name, trademarks, content, or methodology for any other purpose.

Acceptable use

You agree not to:

• Submit false, misleading, or fraudulent information in an application.
• Attempt to access another applicant’s application, booking link, or record.
• Scrape, crawl, or systematically extract content or data from this site without our written permission.
• Interfere with, disrupt, or attempt to circumvent the security or normal operation of this site.

Disclaimers

Apex Digital Media is not an insurance carrier and does not provide insurance, investment, tax, or legal advice. This site and the application process are 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, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, Apex Digital Media and its officers, employees, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of revenue, profits, or business opportunity, arising out of or relating to your use of this site or the application process, even if advised of the possibility of such damages. Our total liability arising out of or relating to this site or the application process will not exceed [Placeholder — liability cap, e.g. one hundred dollars ($100) or the amount you paid us, if any, in the twelve months before the claim]. Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this limitation may not apply to you.

Governing law

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles, and any dispute arising out of or relating to these terms or this site will be brought exclusively in the state or federal courts located in Texas, and you consent to the personal jurisdiction of those courts.

[Placeholder — operating entity]: these terms are issued by the Apex Digital Media operating entity. Its exact registered legal name, entity type, state of formation, and business address have not been confirmed in this repository and must be added here before these terms are treated as final.

Changes to these terms

We may update these terms from time to time. When we do, we will update the “Last updated” date above. Changes apply prospectively from that date; continuing to use this site after an update means you accept the revised terms.

Contact

Questions about these terms can be sent to legal@apexdm.co.