Terms & Conditions

Last updated on February 3rd, 2026

Agreement to Terms

These Terms & Conditions (“Terms”) are a legally binding agreement between you (“you”) and MaxOut Financial (“MaxOut,” “we,” “us,” or “our”) governing your access to and use of our website (the “Site”).

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

Changes to These Terms

We may update these Terms from time to time. Any changes will be effective when posted on this page. Your continued use of the Site after changes are posted means you accept the updated Terms.

Eligibility

You must be able to form a legally binding contract in your jurisdiction to use the Site. By using the Site, you represent that you are at least 18 years of age.

Independent Contractor Relationship

IMPORTANT: Opportunities described on this Site are for independent contractor positions, not employment.

By submitting an application or expressing interest in opportunities through the Site, you acknowledge and understand that:

  • This is NOT an offer of employment
  • You will NOT be an employee of MaxOut Financial
  • You will NOT receive employee benefits (including but not limited to health insurance, retirement plans, paid time off, workers’ compensation, or unemployment insurance)
  • You will be classified as a 1099 independent contractor for tax purposes
  • You are solely responsible for your own taxes, self-employment taxes, insurance, and business expenses
  • You will operate as an independent business, not as an agent or employee of MaxOut Financial
  • The relationship may be terminated by either party at any time

Nothing on this Site should be construed as creating an employer-employee relationship, partnership, joint venture, or agency relationship.

Income and Earnings Disclaimers

IMPORTANT NOTICE REGARDING INCOME REPRESENTATIONS Any income figures, earnings examples, compensation information, or financial results displayed on this Site are for illustrative purposes only and are not guarantees or promises of actual results.

Results Are Not Typical. Your results will vary significantly based on many factors, including but not limited to:

  • Your individual effort, time commitment, and work ethic
  • Your sales skills and ability to learn and apply training
  • Market conditions in your geographic area
  • Competition and economic factors
  • Your ability to obtain and maintain required licenses
  • Your personal circumstances and available time

No Guarantee of Income. We make no promises, guarantees, or warranties that you will earn any specific amount, any particular income level, or any income at all. Many individuals who pursue similar opportunities earn little to no income.

Past Performance Is Not Indicative of Future Results. Income examples shown may represent exceptional results achieved by top performers and should not be construed as typical, expected, or promised outcomes. Historical results do not guarantee future performance.

Commission-Based Compensation. Compensation is entirely commission-based and depends solely on your individual performance. There is no salary, hourly wage, guaranteed minimum income, draw, or base pay of any kind.

Due Diligence Required. Before making any decision regarding opportunities presented on this Site, you should:

  • Conduct your own independent research and due diligence
  • Consider consulting with a licensed financial advisor, accountant, or attorney
  • Carefully evaluate your personal financial situation and risk tolerance
  • Understand all costs, requirements, and commitments involved

Licensing Requirements

Selling life insurance and related financial products requires appropriate state licensing. By using this Site and expressing interest in opportunities, you acknowledge that:

  • You are responsible for obtaining and maintaining all required licenses and certifications
  • Licensing requirements vary by state and product type
  • The licensing process involves examinations, background checks, fingerprinting, and fees
  • We may provide licensing support, study materials, and resources, but you are solely responsible for completing licensing requirements and maintaining compliance
  • Unlicensed individuals cannot legally solicit, sell, or service insurance products
  • We do not guarantee that you will pass required examinations or obtain required licenses
  • Obtaining appropriate licenses is a prerequisite to earning any commissions
  • You must comply with all applicable state and federal insurance regulations

Failure to obtain or maintain required licenses will prevent you from participating in opportunities and earning commissions.

Recruiting and Application Disclosures

The Site may include information about career opportunities, independent contractor opportunities, compensation examples, and business training.

  • We may change, pause, or discontinue recruiting efforts at any time without notice
  • Submitting information through the Site does not guarantee an interview, an offer, a contract, or any particular outcome
  • We reserve the right to accept or reject any application in our sole discretion
  • Background checks, reference checks, and verification of information may be required
  • Any offer is contingent upon successful completion of our onboarding process and applicable licensing requirements

Website Analytics and Session Recording

We use analytics tools to understand how visitors use this Site and to improve user experience. This includes:

  • Google Analytics: Collects information about your device, browser, pages viewed, and Site interactions
  • Microsoft Clarity: Provides behavior analytics including session recordings (visual replays of how you navigate the Site, including mouse movements, clicks, and scrolling) and heatmaps showing aggregate user behavior

By using this Site, you consent to the collection of this information as described in our Privacy Policy.

For complete details about data collection, cookies, and your choices, please review our Privacy Policy.

No Professional Advice

The Site is for general informational purposes only and does not constitute legal, tax, financial, insurance, or investment advice.

  • Information on this Site should not be relied upon as a substitute for professional advice
  • You are responsible for understanding and complying with all applicable laws, licensing requirements, and regulatory rules
  • We recommend consulting with qualified professionals before making any financial, legal, or career decisions

Acceptable Use

You agree not to:

  • Use the Site for any unlawful purpose
  • Attempt to gain unauthorized access to the Site, accounts, or systems
  • Interfere with the Site’s operation (including by transmitting malware or abusing traffic)
  • Misrepresent your identity or submit false information
  • Scrape, harvest, or collect information from the Site without authorization
  • Use the Site in any manner that could damage, disable, or impair the Site
  • Attempt to circumvent any security measures

Intellectual Property

The Site and all content on it (including text, graphics, logos, images, and design) are owned by or licensed to MaxOut and are protected by intellectual property laws. You may view and use the Site for your personal, non-commercial use only, unless we provide written permission otherwise.

You may not:

  • Copy, modify, or distribute Site content without permission
  • Use our trademarks, logos, or branding without authorization
  • Create derivative works based on Site content

Third-Party Sites and Services

This Site uses and links to third-party services, including:

  • Google Forms for job applications
  • Google Analytics for site analytics
  • Microsoft Clarity for behavior analytics and session recordings
  • Social media platforms (Instagram, LinkedIn)

We do not control and are not responsible for:

  • Third-party content, privacy practices, or services
  • The accuracy or reliability of information on third-party sites
  • Any transactions or interactions you have with third parties

Your use of third-party sites and services is at your own risk and governed by their respective terms and privacy policies.

User Submissions

If you submit information through forms or otherwise provide content to us, you represent that:

  • The information is accurate to the best of your knowledge
  • You have the right to provide it
  • The information does not violate any third-party rights or applicable laws

You grant us permission to use the information you submit to:

  • Evaluate your inquiry or application
  • Respond to you and communicate regarding opportunities
  • Operate our recruiting and business processes
  • Improve our services

Disclaimer of Warranties

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

  • The Site will be uninterrupted, error-free, secure, or free of viruses
  • Any information on the Site is accurate, complete, or current
  • Results described on the Site can be achieved by any individual
  • The Site will meet your expectations or requirements

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MAXOUT WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO:

  • Your use of (or inability to use) the Site
  • Any decisions you make based on information on the Site
  • Any income, earnings, or financial results (or lack thereof)
  • Your pursuit of opportunities described on the Site
  • Actions of third parties

To the maximum extent permitted by law, MaxOut’s total liability for any claim related to the Site will not exceed $100.

Indemnification

You agree to indemnify and hold harmless MaxOut, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • Your use of the Site
  • Your violation of these Terms
  • Your violation of any rights of another
  • Any information you submit through the Site
  • Your pursuit of or participation in any opportunity

Termination

We may suspend or terminate your access to the Site at any time for any reason, including if we believe you have violated these Terms. All provisions of these Terms that should survive termination will survive, including intellectual property provisions, disclaimers, and limitations of liability.

Governing Law

These Terms are governed by the laws of the jurisdiction in which MaxOut is headquartered, without regard to conflict of law principles.

Dispute Resolution

You agree to attempt to resolve disputes informally by contacting us first. If a dispute cannot be resolved informally within 30 days, it will be resolved in a court of competent jurisdiction unless applicable law requires otherwise.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MaxOut regarding your use of the Site and supersede any prior agreements.

Contact

Questions about these Terms? Contact us using the contact information provided on this Site.