1. Eligibility and accounts
You must be at least 18 years old and legally able to enter into these Terms. You must provide accurate account information, keep it current, protect your credentials, and promptly notify us of suspected unauthorized access. You are responsible for activity performed through your account.
2. Purpose of the Services
Mako360 provides business tools for financial professionals, including Financial Needs Analysis, client and recruit management, licensing and production tracking, communications, training resources, hierarchy reporting, calendars, reminders, and related administrative workflows.
Mako360 is a technology platform, not a financial institution, broker-dealer, insurance carrier, investment adviser, law firm, tax adviser, or accounting firm. The Services do not provide legal, tax, investment, insurance, underwriting, suitability, or compliance advice and do not guarantee that any analysis, projection, product, or strategy is suitable or accurate for a particular person.
3. Professional and compliance responsibilities
You are solely responsible for:
- maintaining all licenses, appointments, registrations, training, and approvals required for your activities;
- following applicable laws, regulations, carrier and firm requirements, privacy obligations, and advertising and communications rules;
- independently reviewing calculations, recommendations, documents, and client information before relying on or sharing them;
- obtaining all required client, recruit, trainee, and third-party notices, authorizations, and consents; and
- using only company-approved materials, disclosures, products, and processes where required.
4. Acceptable use
You may not use the Services to:
- violate any law, regulation, professional obligation, or third-party right;
- send spam, deceptive communications, unlawful solicitations, or messages without required consent;
- upload false, infringing, malicious, or unlawfully obtained information;
- access another user’s account or information without authorization;
- circumvent security, access restrictions, plan limitations, or usage controls;
- interfere with, reverse engineer, scrape, overload, or disrupt the Services; or
- use the Services to build or train a competing product except as expressly authorized in writing.
5. Information and content you provide
You retain ownership of information and content you submit. You grant Mako360 a limited, nonexclusive license to host, store, reproduce, process, and transmit that content only as necessary to provide, secure, support, and improve the Services and comply with law. You represent that you have the rights and permissions necessary to submit and use the content through Mako360.
6. Gmail connection and communications
If you connect Gmail, you authorize Mako360 to use the permission you approve to send email through the connected Google account. Personal agent mailboxes must use the same verified email address associated with the agent’s Mako360 account. An authorized administrator may connect a separate system mailbox used for BPM guest emails and Match-Up Book notifications. You remain responsible for every recipient, message, attachment, instruction, and communication you initiate, including obtaining consent and honoring opt-out requests.
You may disconnect Gmail from Mako360 or revoke access through your Google Account. Provider outages, restrictions, authentication changes, or message-delivery decisions may interrupt email features.
7. Plans, billing, and cancellation
Some features require a paid plan. Prices, included features, billing periods, trial terms, and taxes are shown at purchase and may change prospectively. Unless stated otherwise at purchase, subscriptions renew automatically until canceled. You may cancel before the next renewal to prevent future charges; cancellation generally takes effect at the end of the current paid period. Fees already charged are nonrefundable except where required by law or expressly stated otherwise.
8. Mako360 ownership
Mako360 and its licensors own the Services, software, design, branding, and other materials we provide, excluding user-provided content. Subject to these Terms, we grant you a limited, revocable, nontransferable right to use the Services for their intended professional purpose.
9. Third-party services
The Services may connect to or link to third-party products such as Google, authentication providers, or external resources. Third-party services are governed by their own terms and privacy policies. We are not responsible for third-party availability, content, security, or decisions.
10. Suspension and termination
You may stop using the Services at any time. We may suspend or terminate access when reasonably necessary to address a violation of these Terms, nonpayment, fraud, security risk, legal requirement, or harm to users or the Services. Provisions that by their nature should survive termination will survive.
11. Service changes and availability
We may update, add, remove, or discontinue features. We work to keep the Services available but do not promise uninterrupted, error-free, or permanently available service. You are responsible for retaining copies of records that your business, firm, carrier, or applicable law requires you to maintain.
12. Disclaimers
To the maximum extent permitted by law, the Services are provided “as is” and “as available.” Mako360 disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, and availability. Calculations, reminders, dashboards, and reports depend on information entered by users and may contain errors or omissions.
13. Limitation of liability
To the maximum extent permitted by law, Mako360 and its owners, affiliates, officers, employees, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, goodwill, data, business opportunity, or anticipated savings arising from the Services. Mako360’s total liability for claims arising from the Services will not exceed the amount you paid to Mako360 during the 12 months before the event giving rise to the claim. Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.
14. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Mako360 and its owners, affiliates, officers, employees, and service providers from claims, damages, losses, liabilities, and expenses arising from your content, communications, professional activities, violation of these Terms, or violation of law or another person’s rights.
15. Governing law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute not subject to a separate written dispute-resolution agreement must be brought in a court of competent jurisdiction located in Florida, and each party consents to that jurisdiction and venue.
16. Changes to these Terms
We may update these Terms as the Services or legal requirements change. We will post the revised Terms and update the effective date. Continued use after the revised Terms become effective constitutes acceptance of the revised Terms.
17. Contact
Questions about these Terms may be sent to teammako100@gmail.com.