terms of service

1. the agreement

anryh labs (“we”, “us”) runs migz, an ai ad automation platform for independent life insurance agents. by using migz, an agent's booking page or this website, you agree to these terms and to our privacy policy. if you don't agree, don't use them. if you use migz for a business, you confirm you can bind that business to these terms. an order form or written agreement with us can add to or replace parts of these terms for you; if they conflict, the written agreement wins.

2. who can use migz

migz is invite only. to use it as an agent you must be at least 18, hold a current life insurance license in each state where you advertise, and have been invited by us. you must give us accurate information, including your licensed states, and keep your login private. you are responsible for what happens under your account. people who book calls on an agent's page don't need an account.

3. what we provide

with your permission, migz:

• creates and manages advertising campaigns for you on meta (facebook and instagram) through your ad account.
• writes ad copy and generates video and image creatives, and can launch creatives you upload.
• reviews results, adjusts budgets, placements and creatives, and runs tests.
• hosts your public booking page and calendar, and sends you booking alerts and summaries.
• shows you what it did and why in your dashboard.

we may add, change or remove features. migz is invite only and may change as we learn. we aim to keep it available but do not promise it will be uninterrupted or error free.

4. your responsibilities

you are the advertiser, and the ads run under your name and your ad account. you agree that:

• you are licensed and in good standing for everything you advertise, and you only advertise in states where you are licensed.
• you will follow the insurance advertising, privacy, telemarketing, texting and consumer protection laws that apply to you, and meta's advertising policies, including its rules for financial products and services.
• you will review what migz proposes or does, and tell us promptly if something is wrong. in ask-first mode, you decide what is approved. in automatic mode, you accept that migz acts within the limits you set.
• you will keep enough funds in your ad balance, and tell us if you want ads paused.
• you have the rights to any photos, videos, testimonials, license details or other material you give us, and testimonials are real and used with permission.
• you are responsible for how you follow up with people who book, and for the advice you give them.

5. ai and automation

migz uses artificial intelligence, including models from anthropic, to analyze results and write ad copy, and image and video generation tools from third parties to make creatives. ai can be wrong. we build safety limits into migz (such as your daily budget, limits on how fast budgets change, copy rules for insurance ads, and a pause switch), but they do not catch everything. ai output is not legal, compliance, tax or financial advice. you are responsible for the ads that run under your name, including generated ones. you can pause ads or turn migz off at any time in your dashboard.

6. meta and third parties

migz works through services we don't control: meta, stripe, slack, our ai and creative providers, and our hosting and database providers. their terms apply to your use of them, including meta's terms and advertising policies. meta decides whether ads are approved, how they deliver, and may restrict or disable ad accounts, and we can't guarantee otherwise. you can remove migz's access to your meta account at any time in your facebook settings. if a third-party service is unavailable or changes, parts of migz may stop working.

7. ad funds and fees

• ad spend is paid from the balance you add. migz will not spend more than your daily budget, and ads are paused if your balance cannot cover a day of spend.
• money spent on ads is paid to meta and cannot be refunded by us once spent.
• our fees, if any, are the ones we agree with you in writing. we will not charge fees you have not agreed to.
• you can ask for your unused balance back by email after you stop using migz. we return it less amounts already spent or owed to us, and subject to our payment processor and the law.
• you are responsible for your own taxes. card payments are handled by stripe; we don't store card numbers.

8. no guarantees

advertising results depend on many things we don't control, including meta's delivery, your market, your follow-up and how people respond. we do not guarantee any number of clicks, booked calls, policies sold, revenue, cost per booked call or return on ad spend. the sample numbers on our website are examples, not promises. nothing we provide is insurance, financial or legal advice, and we do not sell insurance.

9. prospects and booked calls

when someone books a call on an agent's page, the call is between that person and the agent. anryh labs hosts the page and the booking, but we are not a party to what the agent offers or says, and we don't guarantee that an agent will keep an appointment or that anyone will qualify for coverage. prospects who book agree to be contacted about their booking, and to the consent shown on the page when they book. the agent is responsible for any later calls, texts or emails and for honoring requests to stop. optional prep answers are shared with the agent they booked with, as described in our privacy policy.

10. content and ownership

you keep ownership of what you give us. you let us host, copy, adapt and display it as needed to run migz for you, for example to turn your video into an ad, show testimonials on your page, or share it with meta. creatives migz makes for you may be used in your own advertising while you use migz, subject to the terms of the tools that generated them. anryh labs and its suppliers own migz, its software, designs and our branding. you may not copy, resell or reverse engineer migz. if you send us feedback, we may use it without owing you anything.

11. acceptable use

you agree not to use migz or this website to:

• advertise anything unlawful, misleading or unsafe, or make false or deceptive claims about insurance, including guarantees of approval, savings or rates.
• target or discriminate against people in ways meta or the law prohibits.
• upload content you don't have the right to use, or that is harmful, harassing or infringing.
• collect people's information without permission, spam anyone, or break telemarketing or privacy laws.
• probe, disrupt, overload or get around the security or limits of migz, or access accounts that are not yours.
• use migz to build a competing product.

12. privacy

our privacy policy explains what we collect and how we use it, including data from meta. you can ask us to delete your data at any time on our data deletion page.

13. disclaimers

migz and this website are provided “as is” and “as available”. to the extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. we do not promise that ads will be approved or delivered, that ai output is correct or compliant, or that the service will be free of errors or interruptions.

14. limit of liability

to the extent the law allows, anryh labs and the people who work for us will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost sales, lost data or loss of goodwill, even if we were told it could happen. our total liability for any claim relating to migz or these terms is limited to the greater of the fees you paid us in the 3 months before the claim and $100. this does not apply to amounts you owe, and nothing in these terms limits liability that cannot be limited by law. money spent on ads is paid to meta and is not a fee to us.

15. indemnity

you agree to defend and reimburse anryh labs against claims, losses and costs (including reasonable legal fees) that come from your ads, your content, your insurance activities, your follow-up with prospects, or your breach of these terms or the law. we will tell you about a claim promptly and let you handle it, as far as the law allows.

16. suspension and ending

you can stop using migz at any time by turning it off in your dashboard or emailing us. we may suspend or end your access, and pause your ads, if you break these terms or the law, if meta or a regulator requires it, if your balance can't cover spend, or to protect people or the service. when your access ends, we stop managing your campaigns, and you can ask us to delete your data. sections that by their nature should continue (such as ownership, disclaimers, liability, indemnity and governing law) continue after these terms end.

17. changes to these terms

we may update these terms as migz or the law changes. we will update the effective date above, and for significant changes, notify agents by email or in their dashboard. if you keep using migz after a change takes effect, you accept the new terms.

18. governing law

these terms are governed by the laws of the state in which anryh labs is organized, without regard to its conflict of laws rules. disputes will be brought in the state or federal courts located there, and you and we consent to those courts. before filing a claim, you agree to email us and give us 30 days to try to resolve it.

19. contact us

anryh labs · anryhlabs@gmail.com