PathFolk Terms of Service

Effective: October 13, 2026

The short version

• PathFolk is a meeting place. It helps people find licensed insurance and financial professionals, book a short appointment, and send messages.
• PathFolk is not an insurance agent, broker, or adviser. We do not sell insurance, quote prices, give advice, or take applications. Any advice or product comes from the agent, not from us.
• Clients use PathFolk free. Agents pay $49.99 a month for a profile page and booking tools. Agents do not pay us per lead or per sale, and what an agent pays us never depends on whether a policy is sold.
• We check an agent's license before their page goes live. That check is a snapshot in time. It is not a promise about the agent's advice or products.
• Be kind and honest. We can pause or remove anyone who is not.

The rest of this page is the full legal version.

1. Who we are and what these terms cover

PathFolk is published by Adtani Education Ventures LLC, a Texas limited liability company, doing business as PathFolk, 1909 Central Drive, Suite 201, Bedford, TX 76021 ("PathFolk," "we," "us"). These Terms apply to the PathFolk iPhone app and any related pages (the "Service"). By creating an account or using the Service you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

Contact: za.backup1@gmail.com

2. Who can use PathFolk

• You must be at least 18 and able to form a binding contract. We ask you to confirm this when you create an account.
• PathFolk is offered in the United States only for now.
• You must give true information and keep your account secure. You are responsible for what happens under your account.
• One person, one account. Do not share logins.

3. What PathFolk is, and what it is not

• PathFolk is a technology platform that lists licensed professionals and lets clients request appointments and exchange messages with them.
• We are not an insurance agency, agent, producer, broker, or financial adviser. We do not solicit, negotiate, or sell insurance or any financial product. We do not receive commissions, referral fees, or any payment that depends on a sale.
• Nothing in PathFolk is insurance, tax, legal, or investment advice. Content on agent pages is written by the agents. We do not review the advice or products an agent gives you.
• Any relationship you form with an agent is between you and that agent. Anything you buy, sign, or agree to with an agent happens outside PathFolk. Do your own research and ask questions. You can check any agent's license with your state's Department of Insurance (in Texas: tdi.texas.gov).
• We do not guarantee that you will find an agent, get an appointment, get approved for coverage, or get a particular price or result.

4. Clients

• Creating an account and booking is free.
• When you request an appointment you choose what to share. Your full name and age are shown to that agent only if you agree to share them when you send that request. You can turn sharing off, and ending a request or connection stops sharing. Details are in our Privacy Policy.
• Do not send Social Security numbers, bank or card numbers, passwords, or similar highly sensitive information in messages.
• An appointment request is not a confirmed meeting until the agent confirms it. Agents may decline.
• You can end a connection, block a person, or report a person at any time.

5. Agents

If you apply as an agent you also agree to this section.

5.1 Your promises. You promise that:

1. You hold a valid, active license to sell the products you list, in each state where you offer services, and you will keep it active.
2. Everything in your profile is true and not misleading, including your name, license details, experience, carriers, and claims about results.
3. You will follow all laws and rules that apply to you, including your state's insurance laws, advertising and solicitation rules, anti-rebating and anti-inducement rules, privacy and data security rules, and the rules of the carriers and organizations you work with.
4. You carry any insurance (such as errors and omissions) your license, carriers, or law require.
5. You will tell us within 7 days if your license is suspended, expires, or is revoked, or if you become the subject of a regulatory action.
6. You will treat client information as confidential, use it only to respond to that client, and delete it when the law or the client's request requires.
7. You will not pay or promise anything of value to anyone in exchange for a client referral through PathFolk, and you will not pass along any money you receive to PathFolk based on a sale. Your fee to us is a flat subscription only.

5.2 License check. Before your page goes live we compare your application to public state license records. We may re-check at any time. This check is a snapshot. It does not mean we endorse you, your advice, or your products. If we cannot verify you, or we learn something concerning, we can reject, pause, or remove your page.

5.3 What clients can see. Your public profile shows only your name, the categories you work in, and your city and state. It is shown in the directory while your membership is active and your profile is approved. Your license number and NPN are never shown to the public. Any change you make to your profile or license details sends it back to review, and your page stays hidden until we approve it again.

5.4 No guarantees. Membership does not guarantee any number of requests, clients, or sales.

5.5 Independent agents. You are independent. You are not our employee, partner, or agent, and you cannot speak for PathFolk. We do not control the advice you give.

5.6 Rules for contacting clients. Only contact people who asked to hear from you through PathFolk, and only through the channel they chose. No spam, mass messages, or off-platform marketing to PathFolk users who did not request it. Follow phone and text consent laws (such as the TCPA) and email laws.

6. Agent membership, billing, and cancelling

• Price: $49.99 USD per month plus any taxes Apple collects, billed monthly.
• How you pay: through Apple's In-App Purchase on your Apple ID. We do not see or store your card details. Apple's terms apply to the payment.
• Auto-renew: your membership renews every month until you cancel. Payment is charged at purchase confirmation, and renewals are charged within 24 hours before the period ends.
• How to cancel: in your iPhone, open Settings, tap your name, tap Subscriptions, choose PathFolk, and tap Cancel. Cancel at least 24 hours before the period ends to avoid the next charge. Deleting the app or your PathFolk account does not cancel the subscription.
• When you cancel: you keep access until the end of the period you paid for. Then your page leaves the directory and agent tools pause. Your account and profile stay saved unless you delete your account.
• Free first month: new members get a free first month, once per Apple ID. The app shows the day the free month ends. After that day, $49.99 a month is charged until you cancel. Cancel at least 24 hours before that day to avoid the first charge. Any unused part of a free month is lost when you buy a subscription.
• Refunds: Apple handles payments and refunds. Ask Apple (reportaproblem.apple.com). If Apple refunds a payment, your access for that period ends.
• Price changes: we may change the price with notice. Apple will ask for your consent where required. If you do not agree, cancel before the change takes effect.
• Failed payments: if Apple cannot charge you, access may pause after Apple's grace period.

7. Content and conduct

You may not use PathFolk to: harass, threaten, or discriminate against anyone; send spam or scams; pretend to be someone else or claim a license you do not hold; share illegal, hateful, sexual, or violent content; collect other people's data; try to hack, scrape, or break the Service; or break any law.

• Report and block: every conversation has Report and Block buttons. Reports go to our team. We aim to review reports within 24 hours and may remove content, pause a profile, or remove an account.
• Your content (profile, messages) stays yours. You give us a limited license to store, show, and send it so the Service works.
• We are not required to monitor messages, and we do not routinely read private messages. We may review them if reported, to protect safety, or if the law requires.

8. Suspension and termination

We can pause or end your access, with or without notice, if you break these Terms, create risk for others, stop being licensed (for agents), or if the law requires. You can stop any time by deleting your account in the app (Account, then Delete my account). Cancel any subscription first.

9. Privacy

Our Privacy Policy explains what we collect and who sees it. It is part of these Terms.

10. Our property

PathFolk's name, logo, app, and software belong to us. You may use the app for its intended purpose. Do not copy it, reverse engineer it, or resell access.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. WE DO NOT WARRANT THE ACCURACY, QUALITY, OR SUITABILITY OF ANY AGENT, ADVICE, OR PRODUCT. YOU USE ANY AGENT'S SERVICES AT YOUR OWN RISK AND JUDGMENT.

12. Limit on our responsibility

TO THE FULLEST EXTENT THE LAW ALLOWS, PATHFOLK AND ITS OWNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOSS OF BUSINESS, ARISING FROM YOUR USE OF THE SERVICE OR YOUR DEALINGS WITH ANY AGENT OR CLIENT. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) WHAT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM, OR (B) $100. Some places do not allow these limits, so they may not apply to you.

13. Agents protect us (indemnity)

If you are an agent, you agree to defend and pay for losses we suffer from claims caused by your advice or products, your breach of these Terms, your violation of law, or your content, except to the extent we caused the harm.

14. Disputes

• Talk to us first. Email us and give us 30 days to fix the problem.
• Texas law governs these Terms.
• Any case must be filed in the state or federal courts located in Tarrant County, Texas, and you agree to that venue.

15. Apple

You and PathFolk agree that these Terms are between you and PathFolk only, not with Apple. Apple is not responsible for the app or its content, maintenance, support, or warranty claims, or claims about legal compliance, product liability, or privacy. Apple and its subsidiaries are third-party beneficiaries of these Terms and can enforce them against you once you accept them. If the app does not meet any applicable warranty, you may tell Apple and Apple may refund the purchase price, if any. Apple has no other warranty duty to you. You confirm you are not in a country under a U.S. embargo and are not on a U.S. list of banned parties. Our use of Apple's In-App Purchase is also subject to Apple's media services terms.

16. Changes

We may update these Terms. If a change matters, we will tell you in the app or by email and update the date. If you keep using the Service after the change, you accept it. If you do not agree, stop using the Service and cancel any subscription.

17. The boring parts

• If one part of these Terms is not enforceable, the rest still applies.
• These Terms and our Privacy Policy are the whole agreement between us about the Service.
• You may not transfer your account. We may transfer ours if we sell or reorganize the business.
• If we do not enforce a right right away, we have not given it up.

18. Contact

Adtani Education Ventures LLC, 1909 Central Drive, Suite 201, Bedford, TX 76021
za.backup1@gmail.com