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Agent Portal Terms of Service
(EternaSync Usage Policy)
These Agent Portal Terms of Service (“Terms”) govern the use of EternaSync, the proprietary CRM and agent platform of EternaTrust Insurance Group LLC (“EternaTrust,” “we,” “our”).
All licensed agents (“Agent,” “you,” “user”) accessing EternaSync or any internal tools must agree to these Terms. Use of EternaSync constitutes acceptance of these Terms.
1Authorized Users Only
Access to EternaSync is restricted to:
- Licensed agents contracted with EternaTrust
- Approved staff members or administrators
- Individuals with an active contract and login credentials
Unauthorized access is strictly prohibited and may result in:
- Termination of contract
- Legal action
- Reporting to regulatory bodies
2Purpose of the Platform
EternaSync is provided to agents for:
- Selling TruStage Insurance Company products
- Managing client information
- Tracking applications
- Processing policy submissions
- Customer relationship management
- Viewing commission statements
Agents may not use EternaSync for:
- Marketing or selling products outside TruStage
- Personal business unrelated to EternaTrust
- Competing agency activities
- Lead reselling or data trafficking
3Data Privacy & Confidentiality
Agents must maintain the confidentiality of all:
- Client data
- Personally identifiable information (PII)
- Health information
- Financial information
- Lead records
- Carrier documents
Agents agree to:
- Protect data using secure devices
- Not share login credentials
- Not export client lists without written approval
- Follow all privacy laws (GLBA, SHIELD Act, etc.)
- Report suspicious activity immediately
Violation may result in:
- Termination
- Commissions forfeiture
- Legal liability
- Regulatory reporting
4Prohibited Activities
- Share EternaSync access with anyone
- Recruit agents for other IMOs/AGAs using EternaTrust systems
- Store data on personal unsecured devices
- Misrepresent policies or benefits
- Submit fraudulent applications
- Manipulate or alter client records
- Circumvent underwriting rules
- Export lead lists for personal use
- Decompile, reverse-engineer, or modify EternaSync
5Platform Monitoring
EternaTrust may monitor:
- Login activity
- IP address logs
- Access logs
- Data downloads
- Communication patterns
- Application submissions
Monitoring ensures compliance, fraud prevention, and system security.
6Account Termination
EternaTrust may suspend or terminate portal access for:
- Licensing expiration
- Non-compliance
- Fraud or misconduct
- Chargeback risk behavior
- Inactivity
- Security violations
- Breach of these Terms
Termination may occur without prior notice in serious cases.
7Intellectual Property Rights
EternaSync, including:
- Source code
- Design
- Branding
- User interface
- CRM structure
is the exclusive property of EternaTrust Insurance Group LLC. Agents have a revocable, limited-use license during their contract period only.
8No Guarantee of System Uptime
While we strive for reliability:
- EternaSync may experience downtime
- Maintenance may occur
- Data syncing may be delayed
- Features may be updated
EternaTrust is not liable for lost time, missed sales, technical issues, or platform disruptions.
9Electronic Communication Consent
Agents consent to receiving:
10Compliance with Laws & Ethics
Agents must follow:
- State insurance laws
- Insurance companies’ compliance rules
- Anti-rebating laws
- Advertising regulations
- TCPA rules
- Data privacy standards
Misconduct must be always avoided.
11Indemnification
Agents agree to indemnify EternaTrust for damages resulting from:
- Improper use of EternaSync
- Unauthorized data sharing
- Violations of privacy laws
- Fraudulent or misleading activities
- Misuse of login credentials
12Changes to These Terms
EternaTrust may update these Terms. Changes become effective upon posting.
13Contact Information
For questions regarding EternaSync or these Terms:
EternaTrust Insurance Group LLC
TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Product and features may vary and not be available in all states. Base Form Numbers: ICC20-WLMLIC & 2020-WLMLIC.
TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Base Form Numbers for coverage under 100k: ICC16-A10a-039, A10a-039-2016 & over 100k ICC17-SIT-2, 2017-SIT-2.
TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Product and features may vary and not be available in all states. Base Form Numbers: ICC16-GAWL & 2016-GAWL.
TAWL2, GAWL, SIT1, SIT2-8658941.1-1225-0128