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MAPP Network – Terms and Conditions

Last Updated: September 15, 2025

Welcome to MAPP Network. These Terms & Conditions (“Terms”) govern your access to and use of the MAPP Network website, ARKOS platform, and all related services provided by Memorial Asset Protection Plan, LLC d/b/a MAPP Network (“MAPP Network,” “we,” “us,” or “our”). By accessing or using our website and services (collectively, the “Services”), you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and MAPP Network. The words “you” or “user” refer to any individual or entity using our Services. This includes, as applicable:

• Clients: Individuals or family members using MAPP Network to seek estate planning, financial planning, insurance, funeral preplanning, or related end-of-life planning services.

• Licensed Professionals / MAPP Certified Specialists: Financial advisors, insurance agents, attorneys, realtors, CPAs, Medicare or long-term care specialists, funeral home directors, and other professionals who join our network or are listed in our directories (sometimes collectively referred to as “Professionals” or “Specialists”).

• Partners: Organizations or individuals who partner with MAPP, such as funeral homes, care providers, or other businesses that facilitate or refer clients to our Services (they may also have access to parts of our platform).

Please read these Terms carefully, as they contain important information about permissible use of the Services, obligations of users and professionals, disclaimers of liability, and how disputes will be handled. We also incorporate our Privacy Policy (above) into these Terms by reference – by agreeing to these Terms, you also consent to our collection and use of information as described in the Privacy Policy.

If you have any questions about these Terms, please contact us using the information at the end of this document.

1. Use of Services and Eligibility

1.1. Eligibility: You must be at least 18 years old (or the age of majority in your jurisdiction) to use our Services. By using the Services, you represent and warrant that you are legally capable of entering into a binding contract (i.e., these Terms) and that all registration information you submit is accurate and truthful. If you are using the Services on behalf of an organization (for example, you are an employee signing up your funeral home as a partner, or an admin registering an account for a financial firm), you represent and warrant that you have the authority to bind that organization to these Terms, and you agree to these Terms on behalf of that organization.

Our Services are intended primarily for U.S. residents. If you access the Services from outside the United States, you are responsible for compliance with any local laws. However, note that we may not offer full functionality or any services in jurisdictions outside the U.S., and certain features (like professional networks) are U.S.-centric.

1.2. Account Creation: Some parts of our Services may require you to create an account or profile. For example, professionals will create accounts to manage their profiles and referrals, and clients may create a login to view their matched professional’s details or to use a client portal (ARKOS) for sharing documents and tracking tasks. When creating an account:

• You agree to provide accurate, current, and complete information during registration and at all other times when you use the Services. You must not use false identities or impersonate any other person or entity.

• You are responsible for maintaining the confidentiality of your account login credentials (username and password). You are solely responsible for all activities that occur under your account. If you suspect any unauthorized use of your account or a security breach, you must notify us immediately.

• You agree not to share your account with anyone else. Professionals, if you have employees or staff who need access, please contact us about establishing sub-accounts or appropriate access rather than sharing credentials.

• We reserve the right to refuse registration of, or cancel, a username in our discretion (for example, if a username is inappropriate or violates someone’s rights).

1.3. Acceptable Use: You agree to use the Services only for lawful purposes and in accordance with these Terms. You are responsible for your own conduct while using our Services, and for any content you contribute to the Services. By using the Services, you agree NOT to:

• Violate Laws or Regulations: You will not use the Services in any way that violates any applicable federal, state, local, or international law or regulation. This includes, but is not limited to, privacy laws, intellectual property laws, export control laws, and regulatory requirements for licensed professions.

• Infringe Rights: You will not upload, post, or transmit any content that infringes or violates the intellectual property rights, privacy rights, publicity rights, or other legal rights of any person or entity. For example, do not post material that you do not have permission to use.

• Provide False or Misleading Information: You will not provide false, misleading, or deceptive information through the Services. This applies to information in your account, communications you make, or content you post. (Professionals, this means you must accurately represent your qualifications, licenses, and services. Clients, this means being truthful about your identity and needs.)

• Interfere with the Services: You will not engage in any activity that could disrupt, overburden, damage, or impair the functioning of our Services. This includes:

  • Not uploading or transmitting viruses, malware, or any other malicious code.

  • Not attempting to gain unauthorized access to any portion of the Services, other users’ accounts, or any computer systems or networks connected to the Services (no hacking, password mining, or any other illegitimate means).

  • Not using any automated means (such as bots, scrapers, or spiders) to access or data-mine the Services, except as may be permitted by a public search engine’s robots.txt protocol or with our prior written consent.

  • Not interfering with or circumventing any security features or access controls of the Services.

• Harass or Harm Others: You will not use the Services to harass, abuse, insult, harm, defame, or intimidate any person or to promote violence or discrimination. This includes refraining from any hate speech, threats, or content that is defamatory or obscene. You will treat other users (including both clients and professionals) with respect and professionalism.

• Post Unacceptable Content: You will not post or share any content through the Services that is illegal, fraudulent, obscene, pornographic, indecent, or otherwise objectionable. This includes any content that promotes illegal activity or encourages conduct that would be considered a criminal offense or give rise to civil liability. We reserve the right (but have no obligation) to remove or block any content that we deem to violate these standards.

• Spam or Solicit Without Authorization: You will not use the Services to send unsolicited or unauthorized advertising, solicitations, promotional materials, junk mail, spam, chain letters, or pyramid schemes. Professionals should only contact clients via the methods and for the purposes allowed (i.e., to provide the requested service or follow-up). Using client information obtained through MAPP to blast unrelated marketing or share with unauthorized third parties is strictly prohibited. Likewise, clients should not spam professionals or use provided contact info for anything outside the context of obtaining services.

• Reverse Engineer or Misuse: You will not attempt to reverse engineer, decompile, or disassemble any aspect of our Services or do anything that might reveal source code or bypass measures employed to prevent or limit access to any content, area, or code of the Services. You will not misuse any forms or areas of our site by inputting false or excessive data (e.g., don’t attempt SQL injection or form flooding).

• Frame or Resell Services: You will not frame, mirror, or otherwise incorporate our Services into any other website or service without our prior written authorization. You also agree not to reproduce, duplicate, copy, sell, trade, or resell any portion of the Services or use of or access to the Services for any commercial purpose other than the intended purposes of the Services (for example, a professional should not resell their account or leads, and a user should not sell their access to our consultations).

• Circumvent Platform: If you are a professional, you agree not to intentionally circumvent the platform in a way that violates our business model or these Terms (such as intentionally diverting MAPP-introduced clients away from MAPP processes in order to avoid any fees or obligations, if such exist). We value fair dealing — if you are unsure about any practice in this regard, please ask us.

Violation of the above acceptable use provisions may result in termination or suspension of your access (see Termination below) and may subject you to legal consequences.

1.4. Additional Policies: You agree to comply with all other rules and policies applicable to the Services that we may publish or provide from time to time, such as guidelines for professional conduct, community guidelines, FAQs, or instructions. For instance, if we have a Code of Conduct for MAPP Certified Specialists or a guideline for client reviews, those are incorporated here. If any confusion arises between those guidelines and these Terms, these Terms will generally control, but both should be read in harmony if possible.

2. Description of Services and Role of MAPP Network

2.1. MAPP Network’s Platform Role: MAPP Network provides an online platform and service that connects individuals and families in need of estate, financial, and end-of-life planning assistance with independent licensed professionals who can provide such assistance. In essence, MAPP is a facilitator and referral network. We also partner with funeral homes and other organizations to integrate these services into the funeral planning process (both at-need and pre-need)innovate.ms. Key points about our role:

• We are not a law firm, accounting firm, or medical provider. Although we connect you with attorneys, CPAs, and healthcare-related advisors, MAPP Network itself does not provide legal, tax, or medical advice. Any legal or accounting services will be provided by licensed attorneys or accountants in our network, and any healthcare or insurance-related services will be provided by licensed insurance or healthcare professionals.

• We are licensed in insurance (as noted by our Mississippi Insurance Commission licensebbb.org) and possibly other fields as required for our operations, but any financial or insurance product sales that occur through our platform will be conducted in compliance with relevant laws by appropriately licensed individuals. If a MAPP Network staff member holds a license and directly assists with a transaction (for example, helping you apply for a life insurance policy), they will do so in their licensed capacity. Otherwise, most often, we pass you to an external licensed agent or company for execution of financial transactions.

• MAPP Network vets and certifies the professionals in our network (MAPP Certified Specialists) for credentials, experience, and commitment to service. We aim to include only qualified and trustworthy professionals. However, we do not guarantee the professional’s services, outcomes, or the advice given. Each professional is independent and responsible for the services they provide to you.

• No Professional-Client Relationship with MAPP: When you interact with a professional through our Services, any formal professional-client relationship (e.g., attorney-client, advisor-client, insurer-insured) is strictly between you and that professional/partner, not with MAPP Network. MAPP is not a party to any contracts or engagements you may enter into with the professional, unless explicitly stated. For example, if you hire an attorney you met via MAPP, that engagement is solely between you and the attorney (governed by an engagement letter you sign with them, likely). MAPP Network does not supervise the day-to-day work of the professional and is not involved in giving the actual advice beyond initial referral and coordination.

• We do not dictate the specific advice or recommendations that professionals give. Our role is to ensure you get connected with the right kind of professional and to facilitate that introduction and any initial consultations.

2.2. Initial Consultations and Services: Typically, when you use MAPP Network:

• You provide information about your needs. We (via our ARKOS intake system and staff estate specialists) analyze it and then introduce you to a matched professional. We provide you with the professional’s contact info and credentials, and we provide the professional with your contact info and relevant case detailsmappnetwork.com.

• The initial consultation or conversation with the professional that we connect you with is usually complimentary (free of charge)mappnetwork.com. This is meant to assess your needs in detail and outline possible next steps.

• After the initial consultation, if you decide to proceed with that professional’s services, any terms of engagement, fees, or contracts will be between you and that professional. MAPP is not a party to those, and we do not dictate the fees the professional may charge (though we aim to partner with professionals who charge fair, standard rates).

• No Obligation: You are not obligated to continue with a referred professional if, after the initial consultation, you feel it’s not a good fit. Likewise, the professional is not obligated to take you on as a client if, for example, there is a conflict of interest or your needs fall outside their expertise. We simply facilitate the meeting. If it doesn’t work out, you can request another referral or choose not to proceed. (Per our FAQ: there’s no obligation to continue after the initial consultationmappnetwork.com.)

• Scope of Advice: Any general information on our website (such as blog posts, articles, FAQs, calculators, or guidance sections) is for informational purposes only and should not be considered professional advice. While we strive for accuracy and usefulness, that content is not a substitute for personalized advice from a qualified professional. Always consult directly with a licensed professional for advice specific to your situation.

2.3. Relationship with Professionals and Liability: MAPP Network carefully selects the professionals in our network, ensuring they have proper licenses and, where possible, verifying their backgrounds. However:

• Independent Contractors: All professionals and directory partners are independent contractors or separate businesses, not employees or agents of MAPP Network. We do not direct or control the professional judgment or detailed work of these individuals. We provide referrals and a platform, but each professional is solely responsible for the advice and services they provide. MAPP is not practicing law, selling insurance, or providing financial planning to you by virtue of the referral – the professional does that.

• No Warranty or Guarantee of Outcomes: We cannot guarantee that the advice or service you receive from a referred professional will achieve your desired outcome. Estate planning and financial issues are complex; outcomes depend on many factors (laws, market conditions, personal circumstances, etc.). While we expect high-quality service from those in our network, you agree that MAPP Network is not liable for any results or lack thereof stemming from the professional’s work. (See Disclaimers and Limitation of Liability sections below.)

• User Due Diligence: We encourage users to exercise their own due diligence when engaging a professional. This might include reviewing their qualifications (we provide info to help with that), asking questions, and ensuring you are comfortable with them. You are responsible for ultimately selecting and agreeing to work with any professional we refer. If you feel the fit isn’t right, you can request another referral or discontinue.

• No Endorsement Beyond Vetting: Being listed as a “MAPP Certified Specialist” means the person met our vetting criteria at time of onboarding (for example, having the required license in good standing, experience in their field, and agreeing to our code of conduct). It is not a blanket endorsement or guarantee of competency for every task, nor a government or regulatory certification. Always use your best judgment in following any advice given. MAPP does not independently verify every piece of advice or supervise the professional’s ongoing performance.

• Issues with Professionals: If you have a concern or complaint about a professional you connected with through MAPP, we welcome you to inform us. We do take feedback seriously and, if a professional is found to violate our standards or client trust, we may take action such as further review, suspension or removal from our network. However, MAPP Network is not responsible for resolving disputes between you and the professional. Any legal recourse or claims arising from the professional’s services must be directed to that professional (or their firm/insurance), not to MAPP. These Terms include a release of claims against MAPP for actions of third-party professionals (see Disclaimers/Limitations).

• Directory Listings: If our website features directories of professionals or partners (such as a list of participating funeral homes or specialists by region), that information is provided as a convenience. We try to keep it updated, but it might not always reflect real-time changes (like a license status or a professional who left the network). Use of the directory or reliance on information in a listing is at your own risk. We disclaim responsibility for inaccuracies in those listings, though we appreciate being notified so we can correct them.

2.4. No Unlawful or Prohibited Use (for All Users): As a condition of your use of the Services, you warrant that you will not use the Services for any purpose that is unlawful or prohibited by these Terms. This reiterates the Acceptable Use section. You also agree not to use the Services in any manner that could damage, disable, overburden, or impair any MAPP Network server or the networks connected to any MAPP Network server, or interfere with any other party’s use and enjoyment of the Services.

2.5. Modifications and Updates to Services: MAPP Network reserves the right to modify, suspend, or discontinue, temporarily or permanently, the Services (or any part of them) with or without notice. We may add new features or remove existing features. We may also impose limits on certain features or restrict access to parts or all of the Services. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Services. However, if you are a professional paying for a subscription or service, and we discontinue it, we will provide appropriate pro-rated refunds where required by contract or law.

3. Additional Terms for Professionals and Partners

If you are a licensed professional or a directory partner using MAPP Network (for example, you joined as a MAPP Certified Specialist or your business is listed on our site), this section applies specifically to you. These provisions are in addition to all other Terms, which also apply to you as a user.

3.1. Professional Registration and Eligibility: By joining MAPP Network as a professional or partner, you represent and warrant that:

• You (and your business, if applicable) hold all licenses, certifications, permits, or registrations necessary to provide the services you offer in the jurisdictions you offer them. For example, attorneys must be in good standing with their state bar; insurance agents must have valid insurance producer licenses for the relevant lines (life, health, etc.); financial advisors must have FINRA/SEC registrations if required; funeral directors must be licensed in their state, and so on.

• You will maintain your licensure and compliance with all regulatory requirements during your participation in MAPP Network. If any of your licenses expire, are suspended, or revoked, or if you face any disciplinary action, legal action (like a criminal charge relevant to your services), or other circumstances that could affect your ability to serve clients or reflect poorly on the network, you agree to notify MAPP immediately. We reserve the right to suspend or remove you from the network until such matters are resolved satisfactorily.

• The information you provide to MAPP about your qualifications, experience, background, and services (for your profile, bio, or otherwise) is truthful and not misleading. You will keep this information up to date. If you advertise any specialties, designations, or credentials, you must actually have them and keep them in good standing.

• You carry any professional liability insurance that is required by law or standard in your industry (for example, E&O insurance for financial advisors or malpractice insurance for attorneys). MAPP may, at its discretion, request proof of such insurance coverage.

• You have the authority to enter into these Terms on behalf of yourself and, if you are part of a firm or organization, on behalf of that entity. If your participation is on behalf of a firm, you ensure all individuals from your firm who interact with MAPP clients abide by these Terms and the standards herein.

3.2. Service Commitments and Conduct: As a MAPP Certified Specialist or partner, you agree to:

• Professional Conduct: Uphold the highest standards of professionalism, ethics, and courtesy when dealing with clients referred by MAPP and when interacting with any other partners or our staff. This includes respecting client confidentiality, not pressuring clients into unwanted services, and providing sound advice in the client’s best interest.

• Timely Response: Contact referred clients promptly. Our expectation is that once you receive a client referral with their info, you will make first contact usually within 24-48 hours (as the site promises users)mappnetwork.com, or let us know if you cannot. Timely communication is crucial, especially given the sensitive timing often involved in end-of-life matters.

• Appropriate Use of Client Information: You will use any personal information about clients that you obtain through MAPP Network solely for the purpose of contacting and serving that client in relation to the referral and related services. You agree to handle this personal data in compliance with all privacy laws (e.g., HIPAA, GLBA, state privacy laws) and consistent with our Privacy Policy. You will not use a MAPP client’s information for any other purpose – for example, you will not add them to general marketing lists, share or sell their info to third parties, or solicit them for unrelated products that they did not express interest in, unless you obtain their explicit consent outside of MAPP’s context. Essentially, treat their information as confidential and use it only to help them with the matter at hand.

• Confidentiality and Privacy: In addition to the above, if you receive sensitive data (like health records or financial statements) via the platform or directly from the client, you must protect that information with at least the same care you protect your own clients’ info in your practice. If you are a covered entity or business associate under HIPAA, you must comply with all HIPAA rules for any PHI. If you are a financial institution under GLBA, you must adhere to GLBA privacy and safeguards requirements. You should not disclose client information to others except as allowed to perform services (e.g., filing documents on their behalf, consulting with permitted parties) or as required by law.

• No Misrepresentation: You will not misrepresent your relationship with MAPP. For example, you shouldn’t claim to be an employee or agent of MAPP or that MAPP endorses you beyond the fact you are in our network. You can say you are a “MAPP Certified Specialist” (since that’s our program designation), but you should not give the impression that any advice or service you provide is coming from MAPP or is in any way guaranteed by MAPP. Make clear to clients that you operate independently.

• Compliance with Law: You are solely responsible for complying with all laws, regulations, and ethical standards applicable to your profession and the services you provide. This includes (but is not limited to) fulfilling any disclosure requirements, providing required documentation (e.g., Form ADV for investment advisers, HIPAA Notice of Privacy Practices if you’re a covered provider, insurance disclosures, etc.), observing attorney advertising and solicitation rules if you’re a lawyer, and so forth. If there’s a conflict between what the law/ethics require and what MAPP expects, the law and your professional duties control, and you should inform us of any issues. MAPP’s platform is intended to facilitate compliance (for example, we don’t ask for things that would cause you to break confidentiality or conflict rules knowingly), but you must use professional judgment.

• Engagement Agreements: Understand that any formal engagement or retention of the client for paid services beyond the initial consultation will be between you and the client. You should use your own engagement letters, agreements, or consent forms as needed to establish the scope of your services, fees, and responsibilities. MAPP is not a party to those agreements, and you should not include MAPP as a party or provide any warranties on behalf of MAPP.

• Quality of Service: Strive to provide excellent, compassionate, and thorough service to MAPP-referred clients. Many of these clients are grieving or dealing with emotional situations; empathy and patience are expected. If a client complains to MAPP about your service, we will review the matter. Serious or repeated complaints may result in removal from the network.

• Feedback and Cooperation: You agree to provide MAPP with feedback about the referral outcome if requested (for example, letting us know if you successfully contacted the client, whether they engaged your services, or if you ran into any issues). This helps us maintain quality and address any client needs. Also, cooperate with any MAPP inquiries regarding your compliance with these Terms or investigations into complaints.

3.3. No Fee Sharing or Unlawful Referral Payments: MAPP Network’s business model and any fees charged to professionals will be structured in compliance with the law (for instance, we might charge a flat membership or marketing fee, or a fee for use of software – not a percentage of fees of legal services if you’re an attorney, in order to avoid fee-splitting issues; and any referral arrangements will comply with insurance commission rules, etc.). As a professional, you agree not to offer us any compensation that would violate your professional regulations (e.g., attorneys won’t give referral fees that break ethics rules; insurance agents will only pay commissions as allowed by state law or share commissions if MAPP or its personnel are licensed to receive them; etc.). Any financial arrangements between MAPP and professionals will be detailed in separate agreements or communications. These Terms primarily govern use of the platform, not fees. But we include this to clarify that nothing in these Terms requires you to violate any anti-fee-splitting or anti-rebating laws.

3.4. Removal from Network: MAPP Network reserves the right to suspend or terminate a professional’s or partner’s participation in the platform at any time for any reason, with or without notice. Grounds for removal may include (but are not limited to):

• Loss or suspension of required license(s).

• Receiving serious complaints or multiple negative feedback reports from clients.

• Breach of these Terms or any other agreement with MAPP.

• Actions that could harm MAPP’s reputation or that are unethical/illegal.

• Extended inactivity or failure to respond to referrals.
  We will generally attempt to discuss issues with you before removal, except in egregious cases. If you are removed, you must cease using any MAPP branding or referring to yourself as a MAPP Certified Specialist. Any client information you obtained via MAPP should be returned or destroyed (unless you have an independent engagement with a client that survives, in which case you handle their data per your own practice’s policies).

3.5. Separate Agreement: Note that MAPP Network may have a more detailed Professional Participation Agreement or similar contract that professionals sign when joining. These Terms are not intended to override any terms in such an agreement if one exists. In case of a direct conflict between these general Terms & Conditions and a separate signed agreement you have with MAPP (for example, a Partner Agreement or Technology Use Agreement), the terms of the separate signed agreement will control for the specific subject matter of that conflict. However, things not addressed in the separate agreement would still be governed by these Terms. Essentially, these Terms work in tandem with any specific agreements.

4. Intellectual Property Rights

4.1. Ownership of MAPP Content: The Services (including our website and platform) contain content and materials provided by or on behalf of MAPP Network (“MAPP Content”). This includes, but is not limited to, the text, design, graphics, logos, button icons, images, videos, audio clips, articles, information, software, and other content on the site, as well as the arrangement and compilation of such content. MAPP Network or its licensors own all rights, title, and interest in and to the Services and MAPP Content, including all associated intellectual property rights (such as copyrights, trademarks, service marks, trade secrets, and patents).

• Our name “Memorial Asset Protection Plan,” “MAPP Network,” the MAPP logo, and any other trademarks or service marks we use are our property. Other trademarks appearing on the Services (for example, logos of partner funeral homes or financial firms) are the property of their respective owners.

• We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services and MAPP Content for your personal or internal business use in connection with the purposes of the Services (i.e., planning and obtaining/providing services). This license is subject to your compliance with these Terms. You may not resell or commercialize MAPP Content, and you may not copy, modify, create derivative works from, publicly display, publicly perform, publish, republish, download, store, transmit, or distribute any MAPP Content without our prior written consent, except as allowed by law (such as brief quotations under fair use) or as enabled by site features (e.g., sharing a blog post via provided social share buttons).

• No Removal of Notices: You agree not to remove, alter, or obscure any copyright, trademark, or other proprietary rights notices on the Services or MAPP Content. For example, if pages contain footer info or watermarks, those should remain if you print or save them for personal use.

• Feedback: If you provide us with feedback, suggestions, or ideas about the Services (“Feedback”), you acknowledge that we may use the Feedback without restriction or compensation to you. You hereby grant us a worldwide, irrevocable, perpetual, sublicensable, royalty-free license to use and incorporate any Feedback into the Services or our business as we see fit.

4.2. Your Content and License to MAPP: In using our Services, you may provide or upload content to us, such as information, text, images, documents, or other materials (“User Content”). For example:

• Clients might fill out forms or upload documents (like a copy of a will, financial statements, etc.) to share with a specialist.

• Professionals might upload their profile picture, firm logo, biography text, or educational content.

• Users might post comments or reviews (if our site allows testimonials or comments on posts).

• Any data you input into ARKOS or communications you send via our platform also constitute User Content.

You retain ownership of your User Content. We do not claim ownership over the personal information or content you provide. However, by providing User Content through the Services, you grant MAPP Network a non-exclusive, worldwide, royalty-free, fully paid-up, sublicensable and transferable license to use, reproduce, process, adapt, publish, transmit, display and distribute your User Content solely for the purposes of providing and improving the Services. For instance, we might copy your information into a case file for the specialist, display your uploaded profile photo on your listing, or process the text of your request to match you with a pro. If you post a review or testimonial on a public area of our site, you give us permission to display it (and we might use it in marketing unless you withdraw permission). We will not use your content beyond what is needed to operate and promote the Services, and we will not sell your User Content to third parties.

You also agree that:

• You have the necessary rights to grant us this license for any content you submit (for example, if you upload a document for which you are not the author, you either have permission or it’s your own data such that no one else’s IP rights are violated).

• None of your User Content will violate the Acceptable Use rules or any law. You are responsible if your content (like a comment or uploaded file) violates someone’s rights or the law.

• We may remove or delete User Content from the Services for any reason, especially if it violates these Terms or is no longer necessary. We’re not obligated to retain or provide you copies of your content (aside from personal data you can request per Privacy Policy), except as required by law.

• If you deliberately post any content in a public area of the site (say a community forum or comment section), you understand that content becomes visible to others and possibly indexable by search engines. Only post content you are comfortable sharing publicly in those areas.

4.3. Third-Party Intellectual Property: We respect intellectual property rights of others and expect users to do the same.

• If you are a professional providing content (like an article or resource to our site), ensure it’s either original or properly licensed for us to use.

• Copyright Infringement (DMCA): If you believe that any content on our Services infringes your copyright, please notify us in accordance with the Digital Millennium Copyright Act (DMCA). A DMCA notice should be sent to our contact address (see Contact Information) and include: a description of the work you claim is infringed, the URL or location of the infringing material, your contact info, a statement under penalty of perjury that you have a good faith belief the use is unauthorized, and your signature (physical or electronic). Upon receiving a valid notice, we will investigate and remove content as appropriate. We may also terminate accounts of repeat infringers.

• Trademark: If you believe our site contains any use of a trademark that is infringing or misleading, please let us know with detailed info. We strive to clear any third-party marks we use (like mentioning a partner’s brand).

• Users should avoid uploading any content to the platform that contains third-party personal data (beyond what’s needed for the service) or third-party copyrighted content without permission. For example, do not upload someone else’s financial statements or medical records unless you have legal authority to do so (like you’re handling a deceased parent’s estate, etc.). If you do, you are responsible for having that authority.

4.4. Software and Technology: Any software, scripts, or code that we provide or that is embedded in our Services is licensed, not sold, to you for use only under these Terms. You agree not to copy, modify, distribute, sell, or lease any part of our software, nor reverse engineer or attempt to extract the source code (unless expressly permitted by law and, in such case, with notice to us). All of our technology and platform architecture, including any custom CRM (like ARKOS) and algorithms (like our matching algorithm), are protected by intellectual property laws and remain our proprietary assets.

5. Disclaimers

5.1. No Warranty for Services: The MAPP Network Services are provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, MAPP Network and its owners, officers, employees, and agents disclaim all warranties of any kind, whether express, implied, or statutory, regarding the Services. This includes, but is not limited to:

• Implied Warranties: We expressly disclaim any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no warranty that the Services will meet your specific requirements or expectations, or that any particular result will be achieved.

• No Guarantee of Accuracy or Reliability: While we aim for accurate and up-to-date information, we make no guarantees that any content on the Services (including articles, directories, or guidance) is complete, accurate, or current. Reliance on any MAPP Content or information provided via the Services is at your own risk. For example, laws and financial regulations change, and while professionals can advise you, any general content on our site may not reflect those changes immediately.

• Availability: We do not warrant that the Services will be uninterrupted, timely, secure, or error-free. There may be times when the site is down for maintenance or due to technical issues beyond our control. We are not responsible for any disruption or loss you may suffer as a result of downtime or technical glitches.

• Platform and Data Security: Although we have security measures in place (see Privacy Policy), we do not warrant that the Services will be free from viruses, malware, or other harmful components, or that data loss will not occur. Use appropriate precautions (like running antivirus software). We will not be liable for any damage to your computer system or loss of data that results from use of the Services or downloading any material.

• Quality of Referrals and Services: We make no warranty as to the quality, identity, or reliability of any professional, partner, or third-party to whom you are introduced through our Services. Any services actually provided by a professional or partner are solely that party’s responsibility. We cannot and do not guarantee any outcome or success of those services. For example, we cannot promise that a financial plan will achieve certain returns, that an insurance application will be approved, or that a legal strategy will prevail in court.

• Third-Party Offers: If our Services or professionals assist in connecting you to third-party products (like an insurance policy or investment account), we make no warranty regarding those third-party products or services. Any warranties for those would come from the third-party providers themselves.

• No Professional Advice from MAPP: Any information obtained from MAPP Network (outside of what the independent professionals tell you) is for support and facilitation purposes. MAPP Network itself does not provide legal, tax, financial, or medical advice. We disclaim any responsibility for decisions you make based on information you obtained through our platform without consulting a qualified professional directly.

• User Responsibility: You assume all responsibility for your use of the Services. This means, for example, verifying that an attorney you work with is licensed in your state, or confirming an insurance agent’s identity when they call, etc. MAPP tries to do initial vetting, but once we hand off to the professional, standard due diligence is wise.

• No Guarantee of Leads or Business (for Professionals): If you are a professional, we do not guarantee any minimum number of referrals, leads, or that any particular referral will result in actual business or revenue for you. Our platform’s performance may vary based on location, demand, etc. You join understanding there is no promise of specific outcomes.

• Testimonials and Reviews: Any testimonials or reviews by other users on our site are individual experiences and not a guarantee that you will have the same experience or results. We do not verify every testimonial for accuracy. Similarly, any ratings or feedback about professionals are subjective opinions of the users.

Some jurisdictions do not allow exclusion of certain warranties, so some of the above disclaimers may not fully apply to you. In such jurisdictions, our warranties are limited to the extent permitted by law.

5.2. Professional-Client Relationship Disclaimer: No professional-client relationship (such as attorney-client, doctor-patient, advisor-investor, etc.) is established between you and MAPP Network by your use of the Services. Any professional-client relationship is solely between you and the professional you interact with. Communications via our platform may be protected by certain privileges (for instance, if you share info with an attorney via our secure portal after formally engaging them, it could be privileged), but MAPP staff are not party to that privilege. Consult your professional about confidentiality concerns. MAPP won’t intentionally eavesdrop on confidential discussions, but understand that info initially given to MAPP staff to facilitate a referral might not be privileged (though we keep it private).

5.3. Third-Party Content and Services: We might provide access to third-party content, or the site might contain links or integrations (as described in the Privacy Policy and Terms). We do not warrant or endorse any third-party content, products, or services. Use of third-party sites or services is at your own risk. We are not responsible for any dealings you have with third parties (other than our explicit network partners under our coordination). For example, if you follow a link to a financial company’s site, we disclaim liability for anything that happens on that site or thereafter.

5.4. Release: You agree to release and hold harmless MAPP Network (and our officers, directors, members, employees, and agents) from any and all liability, claims, or damages arising out of or in connection with: (a) the actions or omissions of any professional, specialist, partner, or other third party introduced to you through the Services, including any disputes between you and a professional/partner; and (b) any injury, loss, or damage (whether direct or indirect) that you experience as a result of using our Services or following advice obtained through the Services. This is to the fullest extent permitted by law. If you are a California resident, you waive California Civil Code §1542 (which says a general release doesn’t extend to claims which the creditor doesn’t know or suspect to exist in his favor at the time of executing the release, which if known would have materially affected his settlement), or any similar law of another jurisdiction. In plain terms, once again, any issue with the actual professional service must be taken up with that professional – you can’t sue MAPP for it, as you contractually agree here to release such claims.

We do not seek to disclaim or limit any warranty or liability that cannot be limited by law (see below for Limitation of Liability for specifics). But to the extent you might still attempt to hold MAPP liable for others’ conduct, this release is an additional protection for us.

6. Limitation of Liability

6.1. Exclusion of Certain Damages: To the maximum extent permitted by applicable law, in no event shall MAPP Network or its affiliates, or their respective officers, directors, employees, or agents, be liable to you for any indirect, incidental, consequential, special, punitive, or exemplary damages whatsoever arising out of or in connection with your use of (or inability to use) the Services, any decision made or action taken by you in reliance on the Services or information provided therein, or any interactions or relations with other users or third parties you encounter through the Services. This exclusion includes, without limitation, damages for lost profits, lost opportunities or savings, loss of data, loss of goodwill, service interruption, computer damage, system failure, or the cost of substitute services.

This is applicable even if we have been advised of the possibility of such damages, or even if a remedy fails of its essential purpose. For example:

• If incorrect information on our site caused you to miss an opportunity or suffer a loss, we won’t cover that loss.

• If a delay or failure in our referral system caused you distress or additional expense, we aren’t liable for that consequential expense.

• If a professional gave bad advice and you lost money, and for some reason MAPP were considered in the chain of liability, we disclaim those damages (the professional might be liable, but we are not).

• If our site was down and you couldn’t use it, and that somehow led to a loss (like you had to pay more elsewhere), we aren’t liable for that difference.

• If data you stored with us got lost or exposed (despite our efforts to secure it) and that resulted in costs (like potential identity theft issues), our liability is limited as below.

6.2. Cap on Direct Damages: To the maximum extent permitted by law, the total cumulative liability of MAPP Network (and its affiliates and agents) to you for any and all claims arising from or related to the Services or these Terms will not exceed the greater of: (a) the total amount (if any) of fees you paid to MAPP Network for use of the Services in the twelve (12) months prior to the event giving rise to liability, or (b) $100.00 USD.

This means if you have any claim against us, our financial responsibility to you is capped at $100 (unless you’ve paid us more in the last year, in which case that amount is the cap). Given that most clients use MAPP for free and professionals might pay a fee, this cap is reasonable relative to our relationship’s economics.

This cap applies to all claims of all kinds, whether based on contract, tort (including negligence), strict liability, warranty, or any other legal theory.

6.3. Exceptions: Some jurisdictions do not allow the exclusion or limitation of certain damages. If laws in a relevant jurisdiction (e.g., a state with consumer protection laws that prohibit such limits) apply to this agreement and prevent certain limitations, then some of the above disclaimers or limitations may not apply to you. In that case, MAPP’s liability will be limited to the maximum extent permitted by law.

We do not exclude or limit liability for gross negligence, willful misconduct, or any other liability that cannot be excluded by law (for instance, certain state laws might not allow exclusion of liability for death or personal injury caused by negligence — though it’s hard to see that applying here, we mention it for completeness).

6.4. Indemnification by Professionals: The above limitation of liability is in favor of MAPP. Separately, if you are a professional using our platform, you agree that you will indemnify, defend, and hold harmless MAPP Network from any claims or liabilities arising out of the services you provide to clients or any breach by you of these Terms or of your legal obligations. (This indemnification clause is detailed below in Indemnification.)

6.5. Basis of the Bargain: You acknowledge and agree that MAPP Network has offered its Services, set its fees (if any), and entered into these Terms in reliance upon the disclaimers of warranty and the limitations of liability set forth herein. Those provisions reflect a reasonable and fair allocation of risk between you and us and form an essential basis of the bargain between us. We could not provide the Services to you without these limitations.

7. Indemnification

You agree to defend, indemnify, and hold harmless MAPP Network, its parent or affiliated companies (if any), and each of their respective officers, directors, members, employees, contractors, and agents (collectively, the “MAPP Parties”), from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees and costs) arising out of or in any way connected with:

• Your breach of these Terms: If you violate any provision of these Terms, or any representation or warranty you make herein is untrue, and that causes a claim or damage, you need to indemnify us.

• Your use of the Services: This includes any content you submit, post, or transmit through our Services, and any use of the Services that violates third-party rights or applicable law. For instance, if you upload content that infringes someone’s copyright and we get sued, you indemnify us. Or if you misuse the platform and cause harm to someone or to us, you cover it.

• Your interaction with other users or professionals: If you have a dispute with a professional or a client or any third party via our Services, and that party brings a claim against MAPP or the MAPP Parties arising from your conduct, you will indemnify us. For example, if a client claims you (a professional) gave negligent advice and includes MAPP in a lawsuit, you’ll defend and indemnify MAPP (to the extent the claim isn’t due to MAPP’s own wrongdoing).

• Your services (for Professionals): If you are a professional, any claim by a client or third party arising from the services you provided (or failed to provide) to a client we connected, including but not limited to malpractice, negligence, misrepresentation, or breach of contract by you, is your responsibility. You agree to indemnify and hold MAPP harmless from such claims. (We expect you to have your own professional liability insurance to cover these.)

• Your violation of any law or rights of any third party: For example, if through the platform you harass someone or violate a privacy law and we get implicated, you indemnify us.

Procedure: We will promptly notify you of any claim for which we seek indemnification (provided, however, that a delay in notification does not relieve you of your obligations unless the delay materially prejudices your ability to defend the claim). You may choose counsel to defend the claim, subject to our reasonable approval. We reserve the right to participate in the defense with counsel of our own choosing (at our expense), but you will control the defense, provided you are actively defending it. You cannot settle any claim in a manner that admits fault or imposes obligations on MAPP Parties without our prior written consent. We will reasonably cooperate in the defense as needed at your request and expense.

This indemnification obligation will survive termination of your relationship with MAPP and these Terms.

8. Termination and Suspension

8.1. By Users: You may stop using our Services at any time. If you have an account, you can deactivate or request deletion of your account (clients can contact us; professionals should provide notice per any agreement). Stopping use or deleting an account does not automatically relieve you of any obligations incurred up to that point (for instance, if you owe fees, or if there is a dispute ongoing). The terms that by their nature should survive (like indemnities, disclaimers, limitation of liability, governing law, etc.) will survive any termination.

8.2. By MAPP Network: We reserve the right to suspend or terminate your access to the Services (in whole or in part) or your account, at our sole discretion, at any time and with or without notice, for any or no reason. We may especially do so if:

• You violate any provision of these Terms or our policies.

• We are required to by law (e.g., if providing the Services to you is or becomes unlawful).

• We elect to discontinue the Services or a portion of them (we would generally give notice in this case).

• There has been an extended period of inactivity on your account, or we suspect fraudulent or malicious activity.

• In the case of professionals, as outlined earlier, if you fail to meet network standards or licensure.

8.3. Effect of Termination: Upon termination of these Terms for any reason:

• Your right to access or use the Services will immediately cease. We may deactivate or delete your account and all related information and files in your account.

• If you are a professional and we terminate your participation, you must cease representing yourself as affiliated with MAPP. Any materials we provided (like MAPP logos for your marketing) must be removed.

• Any provisions of these Terms that by their nature should survive termination (including, without limitation, payment obligations, ownership provisions, warranty disclaimers, indemnities, and limitations of liability, as well as dispute resolution and governing law clauses) shall survive.

• If termination was due to breach on your part, we may pursue any legal or equitable remedies available. If it was our decision without cause, we’ll try to wind things down amicably (for example, professionals, we might allow you to finish any active client matters from our referrals, unless instructing otherwise).

8.4. Data After Termination: See our Privacy Policy about data retention. Termination of service doesn’t automatically erase your data; we handle it as per privacy commitments. If you need a copy of data right around termination, request promptly.

8.5. Reinstatement: If appropriate (for instance, if suspension was for investigation and you were cleared), we may restore access. But we are not obligated to. Once terminated, you should not attempt to create a new account without our permission.

9. Governing Law and Dispute Resolution

9.1. Governing Law: These Terms and any dispute arising out of or relating to the Services or these Terms shall be governed by and construed in accordance with the laws of the State of Mississippi, United States, without regard to its conflict of law principles. Mississippi law will govern all claims, whether sounding in contract, tort, or otherwise, and irrespective of the country or state of your residence.

9.2. Jurisdiction and Venue: You agree that any legal action or proceeding arising out of or relating to these Terms or the use of the Services shall be brought exclusively in the state or federal courts located in Mississippi. Specifically, since our company is based on the Gulf Coast of Mississippi, we may designate the courts in Jackson County, Mississippi (or the federal court for the Southern District of Mississippi) as the venue. You consent to the personal jurisdiction of these courts and waive any objection that such courts are an inconvenient forum.

9.3. Consumer Protection Notice: Please note that nothing in this Governing Law and Jurisdiction section affects any rights you might have under mandatory consumer protection laws regarding where you can bring a claim. However, by agreeing to these Terms, to the extent allowed, you are indicating Mississippi as the chosen forum.

9.4. Informal Dispute Resolution: Before filing a formal lawsuit, we encourage you to contact us to discuss and try to resolve the issue informally. Often, issues can be resolved through customer service or professional oversight without the need for legal intervention.

9.5. No Class Actions: To the extent permitted by law, you and MAPP Network each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You further agree that you will not participate in any class action (existing or future) against us related to your use of the Services. (This provision is not applicable where prohibited by law; for example, if a court or law says you cannot waive class procedures for a particular claim.)

9.6. Injunctive Relief: Notwithstanding the above, we both agree that if you or MAPP Network violates or threatens to violate the intellectual property rights or confidentiality obligations of the other, the harmed party may seek injunctive or other appropriate interim relief in any court of competent jurisdiction.

10. Miscellaneous

10.1. Entire Agreement: These Terms, together with our Privacy Policy and any other policies or guidelines we provide, constitute the entire agreement between you and MAPP Network with respect to the Services and supersede any prior agreements or understandings, whether written or oral, relating to the subject matter. (For professionals, as noted, if you have a separate signed agreement, that plus these Terms together govern our relationship.)

10.2. Amendments: We may modify these Terms from time to time. If we make material changes, we will notify users (for example, by email or a notice on the site) and give an opportunity to review before they take effect. If you continue to use the Services after the new Terms become effective, you will be considered to have accepted the changes. If you do not agree to the modified terms, you should stop using the Services. For any changes to the Terms that we need to make to comply with legal requirements, we may not be able to give advance notice, but will post the updated Terms and they will be effective immediately or as required.

10.3. Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be eliminated or limited to the minimum extent such that the remaining provisions will continue in full force and effect. In other words, the invalid part will be severed, and everything else stays valid. The parties shall endeavor in good faith to replace the invalid or unenforceable provision with a valid one that is as similar as possible in intent and effect.

10.4. No Waiver: Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. A waiver is only effective if in writing and signed by an authorized representative of MAPP. Any waiver of any breach or default shall not constitute a waiver of any subsequent breach or default.

10.5. Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. Any attempt by you to assign without consent is void. MAPP Network may freely assign or transfer these Terms (in whole or part) as part of a merger, acquisition, sale of business, or by operation of law or otherwise. These Terms shall inure to the benefit of and be binding upon each party’s successors and permitted assigns.

10.6. Relationship of Parties: You and MAPP Network are independent contractors. These Terms do not create a partnership, franchise, joint venture, agency, fiduciary, or employment relationship between you and us. You have no authority to make or accept any offers or representations on our behalf. (Similarly, professionals are not deemed our employees or agents by virtue of these Terms; their separate partner agreement outlines their independent status.)

10.7. Notices: MAPP Network may provide notices to you via email, regular mail, postings on the Services, or other legally accepted means. It is your responsibility to keep your contact information (especially email) current. You may provide notices to us by mail at the address listed in our Privacy Policy or via email to info@mappnw.com (unless a legal notice requires another method, such as service of process). Electronic notices (e.g., email) are deemed received 24 hours after sending unless the sender is notified that the email address is invalid or the message was not delivered.

10.8. Headings and Interpretation: Headings in these Terms are for convenience only and have no legal effect. Words like “including” mean “including without limitation.” The singular includes the plural and vice versa as the context requires. If these Terms are translated into another language, the English version will control in any conflict (unless prohibited by local law).

10.9. Force Majeure: MAPP Network will not be liable for any delay or failure to perform as required by these Terms because of any cause or condition beyond our reasonable control. This includes things like acts of God, natural disasters, war, terrorism, civil disorder, governmental regulations, pandemic, failures of telecommunication or digital transmission links, hardware or software failures, power outages, etc.

10.10. Consumer Rights: No provision of these Terms shall adversely affect any non-waivable consumer rights or protections that you may be entitled to under mandatory laws (for example, certain warranties or rights in consumer contracts under local law that cannot be disclaimed). These Terms seek to comply with all applicable law and will be interpreted accordingly.

10.11. Contact Information: If you have any questions or concerns about these Terms & Conditions, you may contact us at:

MAPP Network (Memorial Asset Protection Plan, LLC)
Attn: Legal/Terms of Service Inquiry
911 Porter Ave
Ocean Springs, MS 39564, USA
Email: info@mappnw.com
Phone: 228-217-1149

We appreciate your cooperation in upholding these Terms. Thank you for being a part of the MAPP Network community. Together, we strive to provide compassionate and effective planning services to families when they need it most, in a manner that is responsible and legally compliant.

By using our Services, you acknowledge that you have read, understood, and agree to these Terms & Conditions.