Terms and Conditions
Last updated: February 6, 2019
Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the http://www.americanfederal.org, http://federalbenefitsconsultants.com, https://afbc.work websites (the “Service”) operated by Coastal Coverage and Consulting, Inc. D.B.A. American Federal Benefits Consultants, D.B.A. Postal Benefits Group, D.B.A. FEBC (“us”, “we”, or “our”).
Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.
Accounts
When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.
You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.
Intellectual Property
The Service and its original content, features and functionality are and will remain the exclusive property of Coastal Coverage and Consulting, Inc. DBA American Federal Benefits Consultants, DBA Postal Benefits Group and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Coastal Coverage and Consulting, Inc. DBA American Federal Benefits Consultants, DBA Postal Benefits Group. The information contained in this website is for you to sharpen your skills and increase your knowledge to work with Federal Employees and their dependents. As an Agent You agree you will not share any program materials, log-in information, leads, training materials, documents, trade secrets, seminar locations, seminar information, proprietary information, etc. with anyone not on the program actively or indirectly. All presentations, videos, audio files, conference calls, documents, etc. are for educational purposes only and are sole property for American Federal Benefits Consultants. This website is to be used for educational purposes only and may not be shared with any other person. Agent agree to these statements prior to viewing any of the material contained in website. Agent agrees not to share information contained within the website with any anyone else not on the program with American Federal Benefits Consultants. American Federal Benefits Consultants nor any of its representatives are not liable or responsible for your business practices.
Working with USPS & Federal Employees
When you are conducting Business working with USPS & Federal Employees either in Person or over the phone. Do not say or imply that you work for American Federal Benefits Consultants, Postal Benefits Group, or FEBC. You are an independent contractor that specializes in Federal Employee Benefits. You help Federal employees with the VA, SSA, TSA, Post Office, etc but you do not work for the Federal Government or any of these agencies. Do not Say or Imply that you do. This is crucial to your integrity and the integrity of the program. Do not misrepresent who you are. You are an independent contractor that specializes in Federal Employee Benefits. A common question that has come up has been “can I meet Federal Employees at their workplace?” & “what if they invite me to come to their office?” You are not authorized to sell on Federal property. (Selling on Federal Property is against the law.) You are not authorized to email or text any government employees without their express written consent.
Federal & State Laws, FTC, TCPA, CAN-Spam ACT, & DNC
It is your responsibility to follow all Federal and State laws applicable in your resident state and Non-Resident States and to only recommend products that you are licensed to sell in each state that your are working or licensed in. It is your responsibility to follow all the rules of the FTC, TCPA, CAN-Spam Act, and DNC in regards to contacting people. Please see below for the website from the FTC. Check with your state and other states your are conducting business in for state guidelines. Calling Times and Schedules, etc. (Each state may vary) You must comply with all rules of the DNC (Do Not Call Registry) visit https://www.donotcall.gov/ for information Go https://telemarketing.donotcall.gov to access the National Do Not Call registry. A common question that has come up has been about texting and emails. There are laws against texting without written permission even in if a customer-client relationship exists. Telephone_Consumer_Protection_Act_of_1991 https://en.wikipedia.org/wiki/Telephone_Consumer_Protection_Act_of_1991
CAN-SPAM ACT https://www.ftc.gov/tips-advice/business-center/guidance/can-spam-act-compliance-guide-business
There are multiple violations that can happen to you and huge penalties. Each separate email in violation of the CAN-SPAM Act is subject to penalties of up to $40,654, so non-compliance can be very-costly. Leads, clients, referrals may have already opted out of emails and you emailing them can trigger a violation. This is not an area to mess around with. We ask you not to participate in any of these activities and being part of the program please do not email or text leads, referrals, or clients. You agree you will not video or record presentations, phone calls with potential clients, applicants, clients, leads, referrals, training events, conversations with agents or managers, etc., without express written permission and by following all state and federal laws.
Solicitation
When contracted with the company, You will not solicit, take application, or sell directly or indirectly a USPS, federal employee, family, or referrals, etc with any other carrier than the ones you are currently contracted with under Coastal Coverage and Consulting, Inc. DBA American Federal Benefits Consultants, DBA Postal Benefits Group, DBA FEBC. You may not solicit, employ, hire, recruit, or contract any agents with the program. You may not work with solicit any contacts that were introduced to you while on the program, this includes leads, referrals, supervisors, agency contacts, seminar program contacts, product vendors, Insurance carrier contacts upon termination from program. By participating in this program, an audit of your business may be requested at any time for your pending / issue reports with all carriers that you are appointed for the program and not for the program with in your state and other states.
Links To Other Web Sites
Our Service may contain links to third party web sites or services that are not owned or controlled by Coastal Coverage and Consulting, Inc. DBA American Federal Benefits Consultants, DBA Postal Benefits Group
Coastal Coverage and Consulting, Inc. DBA American Federal Benefits Consultants, DBA Postal Benefits Group has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.
You acknowledge and agree that Coastal Coverage and Consulting, Inc. DBA American Federal Benefits Consultants, DBA Postal Benefits Group shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.
Termination
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. You will return any materials, leads, contacts, etc. within 7 days from being terminated from program.
If you wish to terminate your account, you may simply discontinue using the Service.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. Upon termination from the company, You will not solicit, take application, or sell directly or indirectly any USPS, federal employee, family, or referrals, etc. generated on the program. You may not replace any business written and will direct all customer communication back to our company. You may not solicit, employ, hire, recruit, or contract any agents with the program. You may not work with solicit any contacts that were introduced to you while on the program, this includes leads, referrals, supervisors, agency contacts, seminar program contacts, product vendors, Insurance carrier contacts upon termination from program. Termination from this program does not grant a release from the contracted carriers.
Governing Law
These Terms shall be governed and construed in accordance with the laws of Florida, United States, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
Contact Us
If you have any questions about these Terms, please contact us.