Welcome to Leopard! These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://theleopard.com and all associated applications, content, services, and tools (“Service”) made available by Dipole, LLC, a Delaware limited liability company, doing business as Leopard (“Leopard,” “Dipole,” “we,” “us,” or “our”). By accessing or using the Service, you agree to be bound by these Terms without limitation or qualification. If you do not agree, you must discontinue use of the Service.
1. Purpose of the Service
Leopard provides a technology platform designed to assist with life insurance and annuities distribution and management. Information provided through the Service is for general informational and operational purposes only. Any examples, illustrations or results produced by the Service may reflect approximations and should not be relied upon without independent verification. The Service may provide tools that require the submission of personal preferences or other data. These tools are not guarantees of any outcome and are provided solely to enhance user experience.
2. Eligibility and User Accounts
You must be at least 13 years old to use the Service. Users under 18 may only use the Service with parental consent. By using the Service, you represent that you meet these requirements. To access certain features, you may need to create an Account. You agree to provide accurate and complete registration information, maintain the security of login credentials, promptly update account information as needed and notify us immediately of any unauthorized access. Your account is personal and may not be transferred or shared. We may suspend or terminate your account or access to the Service at our discretion. You may discontinue use at any time.
Upon termination, provisions relating to intellectual property, disclaimers, indemnification, and limitations of liability will survive.
3. Consent to Communications
By providing contact information—such as email address, mailing address, or telephone number— you authorize Leopard to contact you regarding your use of the Service. You acknowledge that communications with Leopard may be monitored or recorded for quality and operational purposes. You represent that your contact information is accurate and that you are authorized to provide it. Automated calls, texts, and emails may be sent, and you may opt out at any time.
Opt-Out:
- Text: Reply STOP
- Calls: Email support@theleopard.com with your name, address, and phone number(s)
You agree to indemnify Leopard for claims arising from your misrepresentation of contact information or your failure to update it.
4. Acceptable Use
You may not: Access the Service using automated means except as permitted by API agreements, reverse engineer or decompile any portion of the Service, upload malicious code or interfere with system operations, use the Service for unlawful, infringing, or harmful purposes, harvest information about others without consent
We reserve the right to terminate or restrict access for any breach of this section.
5. Intellectual Property
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Leopard, its licensors, or other providers of such material and are protected by copyright, trademark, and other intellectual property or proprietary rights laws. You are granted a limited, revocable, non-transferable license for personal use only. No reproduction, distribution, or creation of derivative works is permitted without our prior written consent.
No permission is granted to replicate the structure, layout, or design of our website, consistent with the protections found in the provided terms.
6. User Content
The Website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features (collectively, “Interactive Services”) that allow users to post, submit, publish, display, or transmit to other users or other persons content or materials (collectively, “User Contributions”) on or through the Website. You grant Leopard a non-exclusive, worldwide, royalty-free license to use content you upload for operation of the Service. You represent that you have all necessary rights to provide User Content and that it does not infringe any third-party rights. We reserve the right to remove or refuse to post any User Contributions for any reason in our sole discretion.
7. Third-Party Services
The Service may integrate or link to third-party websites or tools. Leopard does not control and is not responsible for third-party content, privacy practices, or performance.
Your interactions with third-party services are solely between you and the applicable provider.
8. Privacy
Your use of the Service is governed by our Privacy Policy at https://theleopard.com/privacy-policy.
9. Mandatory Arbitration Agreement
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING THE RIGHT TO BRING AN ACTION IN COURT OR SEEK A JURY TRIAL.
9.1 Scope
Any claim, dispute, or controversy arising out of or relating to:
● These Terms
● Your use of the Service
● Communications from Leopard
● Data provided by you
● Any interaction between you and Leopard
(collectively, “Claims”) will be resolved through binding arbitration on an individual basis. Claims include statutory, tort, and contract claims, and are to be interpreted as broadly as legally permitted.
9.2 Governing Law
This Arbitration Agreement is governed solely by the Federal Arbitration Act (FAA), not state arbitration law.
9.3 Administrator and Rules
Arbitration will be administered by JAMS under its applicable rules, except rules permitting class arbitration, which are expressly excluded. If these Terms conflict with JAMS rules, these Terms control.
9.4 No Class Arbitration
There shall be no class, collective, or representative arbitration. You waive any right to participate in or bring a class action in arbitration or litigation. If the class-arbitration waiver is deemed unenforceable, this entire Arbitration Agreement is null and void.
9.5 Venue
● Claims under $100,000: Arbitration will occur within the federal judicial district where you reside.
● Claims $100,000 or more: Arbitration will occur in New York County, New York.
9.6 Fees
Leopard will pay the first $2,500 in JAMS fees once you pay an amount equal to the filing fee for a comparable state or federal court action in your district. The parties share remaining arbitration fees equally, and these are not recoverable. Each party pays its own attorneys’ and experts’ fees.
9.7 Discovery
Discovery is limited to what is necessary for the fair resolution of the dispute. The arbitrator will apply the Federal Rules of Civil Procedure and Federal Rules of Evidence, except where this Arbitration Agreement provides otherwise.
9.8 Arbitrator Qualifications
The arbitrator must be a retired judge or an attorney with at least ten years of experience.
9.9 Severability
Except as stated above regarding class arbitration, if any part of this Arbitration Agreement is found unenforceable, the remainder remains in effect.
10. Warranty Disclaimer
THE SERVICE AND ALL RELATED CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OR NON-INFRINGEMENT. LEOPARD MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE FORM(S) AND/OR THE TOOL(S) PROVIDED OR DESCRIBED HEREIN AT ANY TIME.
11. Limitation of Liability
To the maximum extent permitted by law, Leopard its affiliates, or their licensors, service providers, employees, agents, officers, or directors are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages or any loss of use, data, profits, or business opportunities. Our total liability for any claim will not exceed the greater of $100 or the amount you paid to Leopard in the past 12 months.
12. Modifications
We may update these Terms at any time. When changes are material, we will provide notice by email, in-product message, or by posting an updated version on our website. Continued use of the Service constitutes acceptance of changes.
13. General Provisions
Governing law: New York (except FAA for arbitration). Severability applies. These Terms constitute the entire agreement. Failure to enforce a provision is not a waiver.
14. Contact
All feedback, comments, requests for technical support, and other communications relating to the Website should be directed to:
Dipole, LLC (d/b/a Leopard)
1209 Orange Street, Wilmington, DE 19801
support@theleopard.com