Advisor Agreement

1. Program Overview

The Policy Stack Advisor Program allows licensed financial professionals to access advisor-tier features, manage client seats, and refer consumer subscribers. Advisors purchase seat packs to grant Builder Pro access to their clients.

2. Eligibility

To participate, you must:

• Be at least 18 years old
• Be a licensed insurance professional, financial advisor, or otherwise qualified in your jurisdiction where licensure is required
• Maintain an active Advisor plan
• Agree to this Agreement and the Terms of Service
• Not be subject to any regulatory sanction or bar that would prohibit financial services activity

We reserve the right to verify eligibility and to deny or revoke participation at our discretion.

3. Advisor Plan Tiers

All paid advisor tiers include the same complete feature set — CRM, pipeline, practice board, AI Scribe, analytics, smart lists, workflows, branded exports, directory listing, and Builder Pro for your personal use. The only differences between tiers are client seat capacity, team seat inclusions, and directory placement. Directory listing is visible while your subscription is active. Featured placement is available for Practice 25 and above. Your listing is removed when your account is frozen.

Practice 10, Practice 25, and Practice 50 may add overflow client seats at $15/seat/month beyond the tier's included count. Practice Solo does not support overflow client seats — clients on Solo practices self-pay for Builder Pro or use the free Starter plan. All tiers may purchase additional team seats at $5/seat/month. See policystack.co/pricing for current rates and Enterprise options.

4. Client Seats and Referral Credits

4.1 Client Seats

Client seats grant your clients Builder Pro access to Policy Stack at no cost to them. You control seat assignment, duration, and revocation from your practice dashboard. By default, advisors have read-only access to seated client data. Clients may grant their advisor read-write access, which allows the advisor to view and modify data on the client's behalf.

• Seats are time-limited and configurable (default: 12 months, adjustable per client)
• Seating a client automatically creates a data-sharing connection. The connection persists after the seat expires unless the client disconnects.
• When a seat expires, the client may choose to self-pay or drops to Starter
• Expired seats return to your pool for reassignment
• You may revoke a seat at any time; the client retains access until the end of their current billing period
• Policy Stack notifies clients when seats are assigned, revoked, or expired. Clients who lose seat access receive the ADVISOR_TRANSITION coupon (20% off annual Builder Pro, one-time use).

4.2 Connections vs. Seats

Connections are free data-sharing relationships. Seats are paid access grants. Seating a client automatically creates a connection, but connecting does not consume a seat.

4.3 Referral Credits

When someone you referred subscribes to a paid plan (consumer Builder Pro or any advisor tier), you receive a one-time $25 referral credit applied to your next invoice. This applies to both client and advisor referrals. Referral credits are non-transferable and expire if your Advisor account is canceled.

4.4 Attribution

Attribution uses a first-touch model: the first advisor whose referral link or code a prospective subscriber uses receives attribution. Manual attribution adjustments may be made by contacting support.

5. Free Trials and Tier Changes

5.1 Free Trial

All advisor tiers include a 30-day free trial. Your credit card is collected at signup and charged automatically at the end of the trial period unless you cancel before the trial ends. During the trial, Practice 10 and above receive 3 complimentary client seats to experience the full client management workflow. Upon conversion to a paid subscription, all seats included in your tier are unlocked.

5.2 Upgrading

You may upgrade your plan at any time. Additional seat capacity becomes available immediately.

5.3 Downgrading

You may downgrade your plan at any time. Downgrades take effect at the end of your current billing period. Upon downgrade:

• Seats exceeding your new tier's capacity must be vacated before the downgrade takes effect; remaining seats are released automatically starting from the most recently assigned
• Team seats exceeding your new tier's included count continue as paid add-ons at $5/seat/month
• Featured directory placement reverts to standard if downgrading below Practice 25
• All features remain available — only seat capacity and directory placement change between tiers
• Existing client connections and referral history are preserved regardless of tier

5.4 Cancellation and Frozen State

If your Advisor subscription is canceled, your account enters a frozen state. While frozen:

• Your profile, client history, and data are preserved
• All active seats expire and clients are notified
• You lose access to advisor tools and your directory listing is hidden
• You may resubscribe at any time to restore full access

6. Refunds and Adjustments

6.1 Refunds

Advisor subscription refunds are handled per the Refund Policy. Referral credits applied to invoices are non-refundable.

6.2 Fraud

Referral credits earned through self-referral, referral fraud, or attribution manipulation will be reversed. Your account may be terminated without further credit.

7. Enterprise Arrangements

Enterprise arrangements are available for practices with more than 50 clients. Enterprise terms are governed by a separate agreement issued at the time of engagement and, where specified, supersede this Agreement.

8. Advisor Conduct

You agree to:

• Accurately represent Policy Stack's features and limitations to clients and prospects
• Not present AI outputs or modeled scenarios as personalized professional advice
• Comply with all applicable laws and professional licensing requirements
• Not use client data outside the scope of your professional relationship with that client
• Maintain accurate credentials and affiliation in your advisor profile

Violations may result in immediate termination and forfeiture of unused referral credits.

9. Client Relationships

Policy Stack does not create an advisor-client relationship between you and any consumer subscriber on the platform. Your professional relationships are your own. We are not responsible for advice you give or representations you make in your professional capacity.

Consumer subscribers control what data they share with you. We do not guarantee access to any specific subscriber's data.

10. Intellectual Property

You receive a limited, non-exclusive, revocable license to use Policy Stack's name, logo, and approved marketing materials solely to promote your Advisor Program participation. You may not alter our marks or use them in a way that implies ownership beyond what this Agreement permits.

11. Confidentiality

Non-public information about Policy Stack's features, pricing, roadmap, or business accessed through your program participation is confidential. Do not disclose it to third parties without our prior written consent.

12. Term and Termination

12.1 Term

This Agreement begins upon enrollment and continues until terminated.

12.2 Termination by You

Cancel your Advisor plan at any time. Unused referral credits expire upon cancellation.

12.3 Termination by Us

We may terminate immediately for material breach of this Agreement or the Terms of Service. We may terminate with 30 days' notice for any non-material reason.

12.4 Effect of Termination

Referral links become inactive, no further referral credits accrue, and advisor-tier access ceases. Pending referral credits expire.

13. Disclaimers and Limitation of Liability

Referral credits depend on subscriber conversion and platform operation. We do not guarantee referral traffic, subscriber conversion, or credit accumulation. Our liability to you under this Agreement is limited to unused referral credits validly earned.

14. Governing Law

Governed by the laws of the State of Tennessee. Disputes are subject to the dispute resolution provisions in the Terms of Service.

15. Modifications

Material changes will be communicated at least 14 days in advance. Continued participation constitutes acceptance.