Effective Date: June 1, 2025
By using The Pedone Agency’s platforms or becoming affiliated as an agent, you agree to comply with our terms, including the use of resources, lawful marketing, communication standards, and independent contractor status. Disputes must be resolved through binding arbitration in the county and state where the business is located. Full legal responsibilities and rights are outlined in this section.
Overview
These Terms govern the use of The Pedone Agency’s platforms, systems, leads, and agent affiliations. By using our Resources, you agree to be bound by these Terms, which include provisions about lawful marketing practices, data privacy compliance, and legal liability limits.
Use of Resources
Resources include our CRM, agent portal, websites, and leads. They are provided “as is” without warranty. Your use must comply with these Terms and all applicable laws.
Compliance with Laws
You agree not to:
Sell leads without authorization
Use robocalls, spam, autodialers, or unconsented communication
Market without DNC screening or proper permissions
Violate CMS rules or federal/state marketing laws (TCPA, HIPAA, CCPA)
Communication Consent
We may contact you by phone, email, or text in relation to your agent status. You can opt out by notifying us.
Independent Contractor Status
Agents are independent contractors unless otherwise designated. These Terms do not establish an employment or joint venture relationship.
Trademarks
Use of The Pedone Agency’s logos or trademarks without permission is prohibited.
Indemnification
You agree to hold The Pedone Agency harmless from legal claims resulting from your violation of these Terms or any laws in relation to your use of our Resources.
Limitation of Liability
Our liability to you is limited to the greater of $1,000 or the fees you paid for use of our Resources. We are not responsible for indirect or punitive damages.
Arbitration Agreement
Disputes will be resolved through binding arbitration in the county and state where the business is located, under the rules of the American Arbitration Association (AAA). Class actions and jury trials are waived.
Waiver and Severability
If any part of these Terms is unenforceable, the remaining parts remain in effect. A failure to enforce a provision is not a waiver of future enforcement.
PRIVACY NOTICE
Effective Date: June 1, 2025
This Privacy Notice explains how The Pedone Agency collects, uses, shares, and protects personal information. This policy complies with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and other applicable laws. Each affiliated entity may maintain its own privacy practices.
Purpose of Data Collection
The Pedone Agency primarily collects personal information to:
Facilitate communication with licensed agents and organizations
Support insurance sales
Comply with regulatory requirements
Personal Information We Collect
Identifiers: Names, addresses, email addresses, Social Security numbers, agent license numbers, and National Producer Numbers
California Customer Records: Policy numbers, Social Security numbers, banking or payment information
Protected Classifications: Characteristics protected under law (e.g., gender, age)
Commercial Data: Insurance products purchased or considered
Professional Data: Employment and compensation (e.g., commissions paid)
Data Sharing and Disclosure
Personal data may be shared with affiliated companies, service providers, insurance carriers, regulatory bodies, and marketing partners, as needed to fulfill lawful business and compliance purposes.
Consumer Rights
You have the right to:
Access or delete your data
Correct inaccurate information
Opt out of personal information sales
Limit the use of sensitive personal information
Be free from discrimination for exercising these rights
How to Exercise Your Rights
To submit a verifiable request regarding your personal data, please contact us via email at [email protected].
We aim to respond within 45 days. If additional time is required, we will provide notice with an explanation.
Updates
This Notice may be revised as needed to comply with future regulations. Changes will be posted here with updated effective dates.
CALIFORNIA RIGHTS & CHOICES
Effective Date: June 1, 2025
The California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), grants California residents specific rights over their personal information. These include the right to know, delete, correct, opt out, and limit the use of their personal data.
Categories of Personal Information We Collect
Identifiers: Name, address, email, Social Security number, driver’s license, etc.
Protected Classifications: Age, gender, etc.
Commercial Information: Records of products/services purchased
Internet/Network Activity: Browsing and search history
Employment and Education Data: As applicable
Purpose of Collection
To provide and personalize services
To pay commissions and fulfill contracts
To comply with legal obligations
To protect rights and ensure security
Your Rights
Right to Know: Request access to specific data we’ve collected
Right to Delete: Request deletion, subject to legal exemptions
Right to Correct: Request corrections to inaccurate data
Right to Opt-Out: Prevent the sale or sharing of your personal data
Right to Limit Use: Restrict the use of sensitive personal information
Non-Discrimination
The Pedone Agency will not discriminate against you for exercising any of your rights under the CCPA or CPRA.
How to Exercise Your Rights
You or your authorized agent may submit a verifiable request by emailing us at [email protected].
We aim to respond within 45 days. If more time is required, we’ll notify you with an explanation.
Other California Privacy Rights
California’s “Shine the Light” law (Civil Code §1798.83) entitles residents to request information about our disclosures for direct marketing purposes. You may contact us at [email protected] to make such a request.
INCOME CLACULATOR DISCLAIMER
Effective Date: June 1, 2025
This Life Insurance Income Calculator is provided by The Pedone Agency for informational and illustrative purposes only. All figures presented represent gross income estimates based on prevailing compensation structures and average industry data. These projections do not constitute a guarantee of income or an offer of employment or contract.
Compensation Structure
Compensation estimates are calculated using an assumed average annualized premium of $1,110 per policy. Contract levels begin at 70% and may increase up to 120%, depending on individual monthly production. Commission levels are based strictly on issued and paid premium and exclude submitted but unpaid, canceled, declined, or refunded business.
Advancement in contract level requires meeting minimum production thresholds. For example, advancement from 70% to 75% requires a minimum of $10,000 in issued and paid premium during a single calendar month. All contract levels below 110% may be achieved with a one-month qualification period. For levels at or above 110%, producers must meet qualification criteria for two consecutive months.
Ongoing eligibility for advanced levels (Sales Manager and above) requires requalification in at least two non-consecutive months within each six-month period (January–June and July–December). All contract advancement is subject to compliance with the company’s placement and persistency standards, adherence to the 50% leg rule, and the qualification of direct agents (QERs).
The Pedone Agency and its affiliated partners reserve the right to modify compensation schedules, contract levels, bonus structures, or advancement criteria at any time. Any changes will be communicated via internal updates or official company channels. No advancement or compensation level is guaranteed.
Performance Requirements
Income projections assume consistent personal production aligned with the number of policies selected in the calculator. All earnings are contingent upon policy placement, approval by carriers, client persistency, and full adherence to the company’s quality and compliance guidelines.
Chargebacks & Adjustments
Policies that are lapsed, canceled, or refunded are subject to commission chargebacks. These chargebacks may reduce or eliminate earned bonuses or advancement eligibility. Compensation is finalized only after all quality control, underwriting, and carrier approval processes are completed.
Gross Income Advisory
All calculator outputs represent gross income before deductions. These figures do not reflect operating expenses such as licensing fees, marketing costs, lead generation, travel, administrative fees, or taxes. Actual net income will vary based on the agent’s business model and financial obligations.
Legal & Regulatory Compliance
The Pedone Agency operates in full compliance with all applicable federal and state insurance and marketing regulations, including:
The Federal Trade Commission Act
NAIC advertising guidelines
California Business & Professions Code §17500
The California Consumer Privacy Act (CCPA)
And similar data privacy laws across all 50 states
All agent relationships are structured as independent contractor positions. Nothing contained herein shall be construed as an offer of employment or implied guarantee of compensation. Terms are governed by the agent’s executed agreement with Equis Financial and are subject to modification at the discretion of Equis Financial and Integrity Marketing Group.
Usage Terms
By using this tool, the user acknowledges that all projected earnings are estimates based on publicly available data, internal performance metrics, and general industry benchmarks. Individual results will vary. This tool should not be relied upon as the sole basis for making financial or career decisions.
SALES MANAGER INCOME CALCULATOR DISCLAIMER
Effective Date: June 1, 2025
This calculator is provided by The Pedone Agency for educational and illustrative purposes only. All income projections reflect the compensation structure outlined by Equis Financial and are based on Builder Track Sales Manager (SM) guidelines and override assumptions.
Compensation Parameters
The income estimates in this tool are calculated using the following baseline assumptions:
Annual Premium per Policy: $1,110
Sales Manager Contract Level: 90%
Team Agent Contract Level: 70%
Override Spread: 20% on team production
No personal production is included in any income totals
SM Qualification Requirements
To qualify as a Sales Manager (SM) on the Builder Track through Equis Financial, an agent must:
Produce a minimum of $25,000 in issue-paid premium within a month (or $6,250 per week)
Have 3 Qualified Equis Representatives (QERs), each with at least 3 bonusable apps issued and paid
Maintain company-acceptable placement and persistency rates
Meet the 50% rule: no more than 50% of paid production may come from one leg
Builder Bonus Guidelines
Builder Bonuses may be available to qualifying Sales Managers based on monthly bonusable volume and compliance with current Equis Financial eligibility criteria. Bonusable production must meet product-specific guidelines and exclude:
Unreported, controlled, and guaranteed issue policies
Foresters Your Term, LSW Term, and other fully underwritten term products
Children's plans, accidental, and non-life insurance products
Bonus availability and structure are subject to change at any time. The Pedone Agency and Equis Financial reserve the right to modify, adjust, or discontinue any bonus program at their discretion, with notice provided via official communication channels.
Promotion & Re-Qualification Periods
SM Level and Below: 1-month qualification period
110% and Above: 2 consecutive months of qualifying volume
Re-Qualification: Minimum of 2 non-consecutive qualifying months per 6-month period (Jan–June / July–Dec)
Income and Legal Disclaimers
All income figures shown are gross projections and are not a guarantee or representation of actual results. Earnings will vary based on:
Personal and team performance
Licensing status and contract level
Carrier approvals, underwriting, and policy placement
Chargebacks and persistency
The Pedone Agency complies with all applicable federal and state regulations governing marketing, earnings disclosures, and insurance compensation, including:
The California Consumer Privacy Act (CCPA)
California Business & Professions Code §17500
National advertising rules applicable in all 50 U.S. states
This tool does not imply or guarantee employment, compensation, or a contract offer. All agent relationships are independent contractor positions governed by the agent’s executed agreement with Equis Financial.
Compensation levels, override structures, and bonus eligibility are subject to change and are determined by Equis Financial policies. New agents begin at a 70% contract level unless otherwise modified in writing.
© 2025 The Pedone Agency. This tool is intended for professional and educational use only.
WEBSITE DISCLAIMER
Effective Date: June 1, 2025
If you require more information or have questions about this disclaimer, please contact us at [email protected].
General Disclaimer
The information on this website is provided in good faith and for general informational purposes only. The Pedone Agency does not make warranties regarding the accuracy, reliability, or completeness of the content. Any actions taken based on this information are at your own risk. The Pedone Agency is not liable for any damages arising from the use of this site.
External Links Disclaimer
We may link to external websites that are not maintained or endorsed by The Pedone Agency. We do not guarantee the content or availability of these third-party sites. Content and ownership of these external resources may change without notice. We are not responsible for any content or policies of linked websites.
Privacy and Terms on External Sites
When you leave our site, you are subject to the privacy policies and terms of the destination website. Always review the privacy policies and terms of any third-party sites you visit before engaging in any transactions or sharing personal information.
Legal Compliance
This disclaimer complies with applicable digital content and privacy laws, including the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), and federal advertising and content guidelines. Updates to this disclaimer will reflect legal changes and evolving best practices.
Consent
By using our website, you consent to this disclaimer and agree to its terms.
Updates
This disclaimer may be amended to reflect updates in laws or practices. Any revisions will be posted clearly on this page with an updated effective date.