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Terms of Service

Effective November 9, 2026

These Terms are the agreement between First Meets LLC and the licensed agents and advisors who buy appointment credits from us.

1. Who we are and what this covers

First Meets LLC ("First Meets," "we") is a Texas limited liability company. These Terms govern your use of firstmeets.com, the First Meets agent platform, and any appointment credits you buy. You accept these Terms by checking the box to accept them when you create an account or buy a Pack, or by signing an order that refers to them. You agree to use electronic records and signatures for these Terms, orders and notices. If you are agreeing on behalf of an agency or firm, you confirm you have authority to bind it.

2. Definitions

3. What First Meets does and does not do

First Meets schedules Appointments. We do not sell insurance, securities or financial products, we do not give financial advice, and we are not a party to anything you and a Prospect agree on. We do not sell contact lists or data. What happens on the call, and anything that follows it, is between you and the Prospect and is your responsibility.

4. Who can use the service

You must be at least 18, hold the licenses required to meet with Prospects about retirement and insurance matters in your Territory, and keep those licenses in good standing. You will tell us within 5 business days if a license lapses or is restricted. We may ask for proof of licensure and may refuse or end service if we cannot confirm it. We may decline any account, order or Territory for any lawful reason.

5. Packs, Credits and payment

Packs are paid in advance by card or ACH through our payment processor. Prices are those shown at the time of purchase or in a signed order.

When a Prospect books an Appointment, one Credit is reserved against your balance. The Credit is used only after we confirm from the video platform's join records that the Appointment was Attended. Confirmation normally happens within 2 business days of the scheduled time, and we will notify you when a Credit is used. If the Appointment is a no-show under section 7, the reservation is released and the Credit returns to your available balance. If the Prospect reschedules through our booking system, the reservation moves to the new time. If the Prospect cancels through our booking system, the reservation is released, unless one of the events in section 7 that makes an Appointment Attended has already happened.

We book Appointments for you only while you have available Credits. Credits are used oldest first, expire 12 months after the date of purchase, and are forfeited when they expire. A reserved Credit does not expire until its Appointment is resolved, and a released Credit keeps its original purchase date. Credits belong to your account and cannot be sold or transferred. All purchases are final. Unused Credits are not refundable and have no cash value, except as described in section 16. You are responsible for any sales tax that applies.

If you dispute a card or bank charge for Credits you bought, other than a charge you did not authorize, that is a breach of these Terms. We may suspend your account, cancel your pending Appointments and recover the disputed amount plus any fees we are charged.

You authorize us to charge your saved payment method for any amount you owe under these Terms, including after your account closes. We may subtract any amount you owe from your Credits or from any refund. Amounts not paid when due bear interest at the lesser of 1.5% per month or the highest rate the law allows, and you will pay our reasonable costs of collection, including attorneys' fees.

6. Auto-refill

If you turn on auto-refill, you authorize First Meets to charge your saved payment method for a Pack of the size you chose whenever your available balance reaches 2 Credits. We will charge no more than one auto-refill in any 7-day period and will email a receipt for each charge. You can turn auto-refill off at any time by emailing [email protected]. The change takes effect one business day after we confirm it in writing.

7. Attendance, no-shows and disputes

We decide attendance from the records of the booking system and video platform we provide, not from either party's account of the call.

What counts as Attended. An Appointment is Attended, and its Credit is used, if any of these happen:

Used Credits are final. Once an Appointment counts as Attended under this section, its Credit is used and is not released, restored or refunded, even if the Appointment is later cancelled, rescheduled or not held, except where we correct the record under Disputes below.

No-shows. An Appointment is a no-show, and its reservation is released, only when the records show the Prospect never joined during the Appointment window and none of the events above happened. A Credit is not released because a Prospect is not a fit, does not buy, answers differently on the call than in the questionnaire, or was already known to you.

Your choice after a no-show. When we confirm a no-show, we will ask you to choose one option within 2 business days:

If you do not choose within 2 business days, Option A applies.

Prospects whose Appointments were not Attended. This covers no-shows released under Option A, cancellations by the Prospect and Appointments we cancel. You will not have Contact with that Prospect on your own. We may offer them a new time with you or with another agent. If you have Contact with, meet with or do business with such a Prospect within 12 months of the scheduled start, other than through an Appointment we book, we will charge one Credit for that Prospect.

Charges without a balance. When this section or section 16 calls for a Credit to be used or charged and you have no available Credit, we may charge your saved payment method, or invoice you, for the per-Appointment price in effect at the time. Invoices are due within 7 days.

Technical problems. If the video platform fails or its records are incomplete, we decide attendance from the records available, including the booking system and our messages with the Prospect. Problems with your own device, connection or software do not make an Appointment a no-show.

Disputes. If you believe a Credit was used for an Appointment that should be a no-show, email [email protected] within 2 business days after we notify you that the Credit was used. After that the record stands. We will review the records and reply within 5 business days, and our decision from those records is final. We may correct an attendance record at any time if we learn facts that change the result under this section, and use or release a Credit to match.

Verification. We may ask whether you have met with, contacted or are working with a particular Prospect. You will answer truthfully within 5 business days.

8. Your calendar and your conduct

You will keep your availability current, join Appointments on time from a device with working video, hold every Appointment on the video link we provide, and treat Prospects courteously. If you miss an Appointment the Prospect attended, the Credit is used and the Prospect may be offered a different agent. Repeated missed Appointments are grounds for suspension. We may pause new bookings for you at any time, for example while we review a dispute, a complaint or your licensing. Pausing does not extend the expiry of your Credits.

9. Compliance is yours

You are solely responsible for complying with the laws, regulations and firm rules that apply to you. These include state insurance regulations, FINRA and SEC rules where applicable, your broker-dealer's or RIA's supervision and advertising requirements, and the TCPA, CAN-SPAM and state telemarketing laws for any contact you make with a Prospect after the Appointment. First Meets makes no representation that buying Appointments satisfies any requirement of your firm or regulator. You will not describe First Meets as your agent, affiliate or representative.

10. One agent per Appointment

Each Appointment is booked for one agent. We do not sell the same Appointment to more than one agent. A Prospect may book again later, with you or another agent, and each booking is a separate Appointment. You will not transfer, resell or share an Appointment or a Prospect's information with anyone other than your Authorized Users. Territory exclusivity exists only where a signed order says so, and only on its terms.

You will hold one account unless we agree otherwise in writing, and you will not open a new account after we suspend or end your access. You will not try to identify, contact or copy the brands, booking pages, mailboxes or methods we use to reach Prospects, and you will not solicit Prospects booked with other agents.

11. Prospect information

Before an Appointment we give you the Prospect's first name, state and questionnaire answers. We may hold back the Prospect's full name, phone number and email address until the Appointment is Attended or you choose Option B under section 7. Until then, you will not use anything we give you to search for, look up or obtain the Prospect's contact details or other information about them from any other source. We give you this information only for the Appointment and your follow-up with that Prospect. You will protect that information, use it only for that purpose, honor any opt-out the Prospect gives you, and delete it on request where the law requires. You will not add Prospects to marketing lists they did not ask to join, and you will not sell or share their information. First Meets keeps booking and attendance records as described in the Privacy Policy.

12. Our name and platform

First Meets, our mark, firstmeets.com and the agent platform belong to us. You may say you buy appointments from First Meets. You may not use our name or mark in advertising, on your website or in any communication with a Prospect without our written permission.

Information we share with you that is not public, including how we find and reach Prospects, our booking pages and brands, and the price and terms of any signed order, is confidential. You will use it only to receive the service and will not disclose it, during or after your use of the service.

13. No guarantees

We do not guarantee any number of Appointments in any period, any attendance rate, any second meeting, or any sale. Any figures in our materials describe the founder's prior experience with the same method and are targets, not promises. While you have available Credits and current availability, we will use commercially reasonable efforts to book Appointments in your Territory.

TO THE FULLEST EXTENT THE LAW ALLOWS, THE SERVICE IS PROVIDED AS IS AND AS AVAILABLE, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

We are not responsible for delays or gaps in Appointments caused by things outside our reasonable control, including outages or policy changes at email, calendar, video, data or payment providers, changes in email delivery, internet failures, government action or natural events.

14. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS, OUR TOTAL LIABILITY TO YOU FOR ANYTHING ARISING OUT OF THESE TERMS OR THE SERVICE IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM. WE ARE NOT LIABLE FOR INDIRECT, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES, LOST PROFITS OR LOST BUSINESS, EVEN IF WE WERE TOLD THEY WERE POSSIBLE.

15. Indemnification

You will defend and indemnify First Meets and its members, employees and agents against claims by anyone, including Prospects and regulators, and against losses and expenses (including reasonable attorneys' fees) arising from your conduct on or after an Appointment, your use of Prospect information, your breach of these Terms, or your violation of any law or firm rule.

16. Suspension and termination

We may suspend or end your access for breach of these Terms, loss of licensure, Prospect complaints, or conduct that harms Prospects or First Meets. You may close your account at any time. If you close your account, unused Credits are not refunded, and Appointments already booked still take place and use Credits under section 7. If we end your access because you breached these Terms, your unused Credits are forfeited. If we end your access for any other reason, we will refund your unused Credits at the price you paid for them, less any amounts you owe us under these Terms, including Credits charged under section 7 and the cost of any disputed charge. Sections 2 through 5, 7, 9 through 17, 19 and 20 survive termination, along with any amounts you owe us.

17. Governing law and disputes

Texas law governs these Terms, without regard to conflict-of-laws rules. Before filing any claim, you will contact us and we will both try for 30 days to resolve it informally.

Arbitration. Any dispute not resolved informally will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator. The place of arbitration is Harris County, Texas. Hearings will be held by video unless the arbitrator decides an in-person hearing is needed, in which case it will be held in Harris County, Texas. Judgment on the award may be entered in any court with jurisdiction. This section is governed by the Federal Arbitration Act.

Small claims. Either of us may instead bring an individual claim in small claims court if the claim qualifies there.

Individual claims only. Claims may be brought only on an individual basis, not as a plaintiff or class member in any class, collective or representative proceeding. The arbitrator may not combine the claims of more than one agent.

Court orders. Either of us may ask a court for an order to stop misuse of our name, marks or confidential information, or of Prospect information, while a dispute is resolved.

NO JURY TRIAL. YOU AND FIRST MEETS EACH KNOWINGLY AND VOLUNTARILY GIVE UP THE RIGHT TO A JURY TRIAL FOR ANY DISPUTE COVERED BY THIS SECTION.

18. Changes

We may update these Terms. For material changes we will give at least 30 days' notice by email to the address on your account. Continued use after the effective date is acceptance. Credits bought before a change are governed by the price and refund terms in effect when they were bought. Changes apply only going forward and never to a dispute that arose, or that either of us knew about, before the change takes effect.

19. General

These Terms and any signed order are the whole agreement and replace any website, email or spoken statement. A signed order controls only price, quantity, Territory and anything it expressly says overrides these Terms; these Terms control everything else. "Signed" includes an electronic signature. The Privacy Policy explains how we handle personal information; it is for information and is not part of this agreement. We are independent contractors, and nothing in these Terms creates an agency, partnership, joint venture or fiduciary relationship. If a provision is unenforceable, the rest stands. Our not enforcing a right is not a waiver. You may not assign these Terms without our consent. We may assign them to a successor.

20. Notices and contact

Notices to us, including disputes and auto-refill changes, and questions about these Terms must be emailed to [email protected]. Notices to you are effective when we send them to the email address on your account. Our mailing address is First Meets LLC, 5900 Balcones Drive, Suite 100, Austin, TX 78731.