1. Educational tool only. not advice. The Demand Engine is a marketing, training, and productivity tool for licensed life insurance agents. Nothing in this platform. including AI-generated content, prompts, niche analyses, ad angles, lead magnets, sample scripts, or any text produced by the tools. constitutes legal, tax, financial, investment, insurance, or compliance advice. All output is for informational and educational purposes only.

2. You are responsible for compliance review. Every piece of marketing material, ad copy, lead magnet, presentation, headline, sales letter, or other content you generate using this platform must be reviewed and approved by your licensed compliance officer, broker-dealer, IMO, FMO, or carrier-required compliance review process before being published, distributed, or used with any prospect or client. Insurance marketing rules vary by state, carrier, and product. You are solely responsible for ensuring all content complies with applicable rules and regulations including but not limited to NAIC model regulations, state insurance department requirements, and FINRA/SEC rules where applicable.

3. AI-generated content requires human review. Outputs from AI prompts in this platform may be inaccurate, outdated, incomplete, or inappropriate for your specific use case. You agree to review, fact-check, and edit all AI-generated content before any external use. The Demand Engine, Insurance Inner Circle, and Giovanny Madrid make no warranty as to the accuracy, suitability, or compliance of any AI-generated material.

4. No guarantees of results. Sample metrics, benchmarks, projected ROI, conversion rates, niche scores, and forecasts shown in this platform are illustrative only. Your individual results will vary based on market, effort, licensing, products offered, and many other factors. No income or production results are promised or implied.

5. Confidential & member-only. Access to The Demand Engine is granted exclusively to active Insurance Inner Circle members. Login credentials are personal, non-transferable, and may not be shared. Sharing access or distributing screenshots, prompts, or proprietary content outside the membership is grounds for immediate revocation of access without refund.

6. Indemnification. You agree to indemnify and hold harmless The Demand Engine, Insurance Inner Circle, Giovanny Madrid, and all affiliates from any claim, liability, loss, or damages arising from your use of any output from this platform, including but not limited to compliance violations, regulatory actions, client disputes, or any other consequence of using AI-generated content without proper review.

7. Data storage. Growth Control entries and saved niches are stored in your browser's local storage on the device you use. Data does not automatically sync between devices and is not backed up by us. You are responsible for any export or backup of your data.

8. Changes. These terms may be updated. Continued use of the platform constitutes acceptance of any updates.

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