Unified Legal Center · Ed Freeney & Associates LLC

These Terms of Use (“Terms”) govern your access to and use of all websites, applications, portals, tools, and services (collectively, the “Services”) operated under The Ecosystem‑G (Unified Multi‑Network System) by Ed Freeney & Associates LLC (“we,” “us,” or “our”), including but not limited to myvendor.info, anyneverything.org, freeneyinsurance.com, thegrub.app, myroad.pro, inhousedelivery.app, and any future mapped platforms. By accessing or using any Service, you agree to these Terms. If you do not agree, do not use the Services. By agreeing to receive reminders, updates, and support messages from Ed Freeney & Associates LLC. & the Ecosystem-G, you understand that message frequency may vary, and message and data rates may apply. Reply STOP to opt out.

1. Who We Are

Ed Freeney & Associates LLC is the legal entity that owns and operates The Ecosystem‑G (Unified Multi‑Network System), a unified architecture powering multiple networks and platforms across vendor management, marketplaces, insurance, logistics, transportation, and delivery. Individual brands (such as MyVendor, AnyNEverything, Freeney Insurance, MyRoad, and TheGrub) are channels within The Ecosystem‑G, not separate legal entities unless expressly stated.

2. Scope of These Terms

These Terms apply to all users, companies, administrators, associates, vendors, drivers, riders, consumers, and partners who access or use any platform, network, or service within The Ecosystem‑G (Unified Multi‑Network System). Additional terms may apply to specific networks or roles (for example, insurance addendums, logistics terms, marketplace rules, or agent agreements). In the event of a conflict, network‑specific or role‑specific terms control for that context.

3. Platform‑Specific Provisions: FreeneyInsurance.com

FreeneyInsurance.com operates as the insurance distribution and servicing channel within The Ecosystem‑G. Insurance quotes, applications, underwriting, agent communications, and policy servicing conducted through FreeneyInsurance.com are subject to:

• State insurance laws and regulations.
• Carrier underwriting guidelines and policy forms.
• Licensing and appointment requirements for agents and producers.
• Additional disclosures and notices presented during the quote or application process.

Submitting information on FreeneyInsurance.com does not bind coverage. Coverage is effective only when confirmed in writing by the issuing carrier or an authorized agent, subject to payment of required premiums and satisfaction of all conditions.

4. No Guarantee of Coverage, Approval, or Availability

Across all Ecosystem‑G networks and platforms, including FreeneyInsurance.com, we do not guarantee that any product, service, listing, or offer will be available, approved, or suitable for your needs. All insurance coverage is subject to underwriting and carrier approval. All marketplace, vendor, logistics, and delivery offerings are subject to availability, eligibility, and platform rules.

4A. Setup Fees, Subscription Fees & Refund Policy

All setup fees, onboarding fees, activation fees, and subscription payments made within The Ecosystem‑G (Unified Multi‑Network System) are non‑refundable under all circumstances, including but not limited to account creation, onboarding, activation, or early cancellation. By using the platform, you acknowledge and agree that:

• No refunds are issued for setup fees.
• No refunds are issued for subscription fees, whether monthly, annual, or prorated.
• Subscriptions may be canceled at any time, but cancellation does not entitle the user to a refund for any prior or current billing period.
• Access to paid features continues until the end of the current billing cycle unless otherwise terminated for violation of these Terms.

These policies apply to all users, companies, vendors, drivers, riders, and entities operating within any Ecosystem‑G network.

5. Consent to Communications

By submitting your information on any Ecosystem‑G platform, you authorize us and our agents, vendors, partners, and service providers to contact you using the contact details you provide, including phone, SMS/text, email, and other channels, as described in the TCPA Consent Language section below.

6. Your Responsibilities

You agree to provide accurate, complete, and current information; to use the Services only for lawful purposes; and to comply with all applicable laws, network rules, and role‑specific agreements.

7. Prohibited Conduct

You may not misuse the Services, including by attempting unauthorized access, interfering with operations, using automated scraping tools, submitting fraudulent information, or violating any applicable law or third‑party rights.

8. Third‑Party Services & Links

Ecosystem‑G platforms may link to or integrate with third‑party services. We are not responsible for the content, security, or practices of third‑party sites or services. Your use of third‑party services is governed by their terms and policies.

9. Disclaimers

To the fullest extent permitted by law, the Services are provided “as is” and “as available,” without warranties of any kind, express or implied. We do not warrant that the Services will be uninterrupted, secure, or error‑free, or that content will be accurate or complete. For insurance products, carrier policy forms and declarations control.

10. Limitation of Liability

To the maximum extent permitted by law, Ed Freeney & Associates LLC and its officers, employees, agents, and partners are not liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services. Our total aggregate liability for any claim will not exceed the greater of (a) the amount you paid us in service fees in the twelve months preceding the claim or (b) $500. Insurance claims and benefits are the responsibility of the issuing carrier.

11. Indemnification

You agree to indemnify and hold harmless Ed Freeney & Associates LLC and its officers, employees, agents, and partners from any claims, losses, or damages arising out of your use of the Services or your violation of these Terms or applicable law.

12. Electronic Records & Signatures

You consent to the use of electronic records and signatures as described in the E‑Sign Disclosure section below. Electronic signatures have the same legal effect as handwritten signatures to the fullest extent permitted by law.

13. Changes to These Terms

We may update these Terms at any time. Changes are effective when posted on this page with an updated “Last Updated” date. Your continued use of the Services after changes are posted constitutes acceptance of the updated Terms.

14. Governing Law & Venue

These Terms are governed by the laws of the State of Georgia, without regard to conflict‑of‑law rules. Any dispute arising out of or relating to these Terms or the Services shall be brought exclusively in the state or federal courts located in Georgia, and you consent to their jurisdiction.

15. Contact

Ed Freeney & Associates LLC
202 Brookford Rd. Syracuse NY. 13224
(833)373-3639
ed@edfreeney.biz
https://edfreeney-biz.fly.dev/ecosystem-g/public/edfreeney.biz/home.html

These Consumer Terms of Use (“Terms”) apply to any Consumer (“Consumer”) who accesses, browses, or uses any platform, network, or interface within The Ecosystem‑G (Unified Multi‑Network System). The Ecosystem‑G is a platform that connects independent Vendors, Drivers, Riders, Companies, and Consumers. The Ecosystem‑G does not provide, perform, supervise, or guarantee any services. All interactions occur at the Consumer’s own risk.

1. Platform Role Only

The Ecosystem‑G is a technology platform. We do not provide transportation, delivery, marketplace, vendor, insurance, legal, or logistics services. All services are provided by independent third‑party Vendors, Drivers, Companies, or partners who are not employees, agents, or representatives of Ed Freeney & Associates LLC.

2. Consumer Responsibilities

• Provide accurate and truthful information when using the platform.
• Evaluate Vendors, Drivers, and Companies independently before engaging with them.
• Use the platform only for lawful and authorized purposes.
• Maintain confidentiality of login credentials and account access.
• Assume all risks associated with interacting with third‑party providers.

3. No Guarantees or Endorsements

The Ecosystem‑G does not guarantee the quality, safety, legality, availability, pricing, or suitability of any Vendor, Driver, Rider, Company, or service. We do not endorse, certify, or verify any user or provider unless explicitly stated.

4. Payments

Payments, refunds, adjustments, and billing terms follow platform rules and may vary by network or provider. The Ecosystem‑G is not responsible for disputes between Consumers and independent service providers.

5. Prohibited Conduct

• Submitting fraudulent or misleading information.
• Harassing or abusing Vendors, Drivers, Riders, or Companies.
• Attempting to bypass platform processes, pricing, or fees.
• Interfering with platform operations or security.
• Engaging in unlawful or unauthorized activity.

6. At‑Your‑Own‑Risk Acknowledgment

By using The Ecosystem‑G, you acknowledge that all interactions with Vendors, Drivers, Riders, and Companies are at your own risk. Ed Freeney & Associates LLC is not liable for any damages, losses, injuries, or disputes arising from third‑party interactions.

7. Suspension & Removal

The Company may suspend or remove a Consumer for misconduct, fraud, abuse, safety concerns, or violations of these Terms or any applicable network‑specific rules.

8. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict‑of‑law rules.

These Company Terms of Use (“Terms”) apply to any business entity (“Company”) that accesses, manages, deploys personnel, lists services, or operates within The Ecosystem‑G (Unified Multi‑Network System). The Ecosystem‑G is a technology platform that connects independent Companies, Vendors, Drivers, Riders, and Consumers. The Ecosystem‑G does not employ, supervise, manage, or guarantee the performance of any Company or its personnel. All Company activity occurs at the Company’s own risk.

1. Platform Role Only

The Ecosystem‑G is a platform, not a service provider. We do not provide transportation, delivery, logistics, insurance, legal, marketplace, or vendor services. All services are performed by independent Companies or their personnel, who are not employees, agents, or representatives of Ed Freeney & Associates LLC.

2. Company Eligibility

• Maintain all required business licenses, permits, and registrations.
• Maintain required insurance, including liability, commercial auto, or industry‑specific coverage.
• Ensure all personnel meet legal and platform eligibility requirements.
• Provide accurate company, operational, and compliance information.
• Comply with all applicable laws, regulations, and industry standards.

3. Company Responsibilities

• Supervise and manage all personnel operating under the Company’s account.
• Ensure personnel follow safety, legal, and platform standards.
• Maintain truthful, accurate, and non‑misleading service listings.
• Protect Rider, Consumer, and platform data and maintain confidentiality.
• Assume all risks associated with providing services through the platform.

4. Operational Requirements

• Dispatch personnel only for lawful and authorized activities.
• Ensure vehicles, equipment, and tools are safe, legal, and properly maintained.
• Respond promptly to issues involving the Company’s personnel.
• Maintain accurate availability, pricing, and service information.

5. Payments

Company payouts, fees, adjustments, and billing terms follow platform rules and may vary by network, service type, or assignment. The Ecosystem‑G is not responsible for disputes between Companies and Consumers, Drivers, Riders, or Vendors.

5A. Setup Fees, Subscription Fees & Refund Policy

Companies may be required to pay setup fees, onboarding fees, activation fees, or subscription fees to access certain platform features. All such fees are non‑refundable under all circumstances. By using the platform, Companies acknowledge and agree that:

• No refunds are issued for setup or onboarding fees.
• No refunds are issued for subscription fees, whether monthly, annual, or prorated.
• Subscriptions may be canceled at any time, but cancellation does not entitle the Company to a refund for any prior or current billing period.
• Access to paid features continues until the end of the current billing cycle unless terminated for violations of these Terms.

6. Prohibited Conduct

• Submitting fraudulent, misleading, or inaccurate information.
• Allowing unqualified or unapproved personnel to operate on the platform.
• Bypassing platform processes, pricing, or fees.
• Engaging in abusive, unsafe, negligent, or unlawful business practices.
• Interfering with platform operations or security.

7. At‑Your‑Own‑Risk Acknowledgment

By using The Ecosystem‑G, Companies acknowledge that all interactions with Consumers, Drivers, Riders, Vendors, and other Companies occur at their own risk. Ed Freeney & Associates LLC is not liable for damages, losses, injuries, disputes, or service outcomes arising from Company activities or personnel.

8. Suspension & Removal

The Company may suspend or remove a Company, or any associated personnel, for misconduct, fraud, non‑compliance, safety concerns, or violations of these Terms or any applicable network‑specific rules.

9. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict‑of‑law rules.

These Consumer Terms of Use (“Terms”) apply to any Consumer (“Consumer”) who accesses, browses, or uses any platform, network, or interface within The Ecosystem‑G (Unified Multi‑Network System). The Ecosystem‑G is a technology platform that connects independent Vendors, Drivers, Riders, Companies, and Consumers. The Ecosystem‑G does not provide, perform, supervise, or guarantee any services. All interactions occur at the Consumer’s own risk.

1. Platform Role Only

The Ecosystem‑G is a platform, not a service provider. We do not provide transportation, delivery, marketplace, vendor, insurance, legal, logistics, or any other services. All services are performed by independent third‑party Vendors, Drivers, Riders, or Companies who are not employees, agents, or representatives of Ed Freeney & Associates LLC.

2. Consumer Responsibilities

• Provide accurate and truthful information when using the platform.
• Independently evaluate Vendors, Drivers, Riders, and Companies before engaging with them.
• Use the platform only for lawful and authorized purposes.
• Maintain confidentiality of login credentials and account access.
• Assume all risks associated with interacting with independent third‑party providers.

3. No Guarantees or Endorsements

The Ecosystem‑G does not guarantee the quality, safety, legality, availability, pricing, or suitability of any Vendor, Driver, Rider, Company, or service. We do not endorse, certify, or verify any user or provider unless explicitly stated.

4. Payments

Payments, refunds, adjustments, and billing terms follow platform rules and may vary by network or provider. The Ecosystem‑G is not responsible for disputes between Consumers and independent service providers.

5. Prohibited Conduct

• Submitting fraudulent or misleading information.
• Harassing or abusing Vendors, Drivers, Riders, or Companies.
• Attempting to bypass platform processes, pricing, or fees.
• Interfering with platform operations or security.
• Engaging in unlawful or unauthorized activity.

6. At‑Your‑Own‑Risk Acknowledgment

By using The Ecosystem‑G, you acknowledge that all interactions with Vendors, Drivers, Riders, and Companies are at your own risk. Ed Freeney & Associates LLC is not liable for any damages, losses, injuries, or disputes arising from third‑party interactions.

7. Suspension & Removal

The Company may suspend or remove a Consumer for misconduct, fraud, abuse, safety concerns, or violations of these Terms or any applicable network‑specific rules.

8. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict‑of‑law rules.

These Driver Terms of Use (“Terms”) apply to any Driver (“Driver”) who accesses or uses any transportation, logistics, or delivery‑related features within The Ecosystem‑G (Unified Multi‑Network System). The Ecosystem‑G is a technology platform that connects independent Drivers, Riders, Companies, and Consumers. The Ecosystem‑G does not employ Drivers, does not provide transportation services, and does not supervise or guarantee any Driver activity. All driving activity occurs at the Driver’s own risk.

1. Platform Role Only

The Ecosystem‑G is a platform, not a transportation provider. We do not provide rides, deliveries, logistics, or courier services. All services are performed by independent Drivers or Driver Companies who are not employees, agents, or representatives of Ed Freeney & Associates LLC.

2. Driver Eligibility

• Maintain a valid driver’s license and required insurance.
• Operate a safe, legal, and properly maintained vehicle.
• Comply with all transportation, safety, and regulatory requirements.
• Provide accurate Driver and vehicle information at all times.

3. Driver Responsibilities

• Provide safe, lawful, and professional transportation or delivery services.
• Respect Riders, Consumers, and platform users.
• Use the platform only for authorized transportation or delivery purposes.
• Protect Rider and Consumer data and maintain confidentiality.
• Assume all risks associated with providing transportation or delivery services.

4. Payments

Driver payouts, fees, and adjustments follow platform rules and may vary by ride type, delivery type, distance, or network. The Ecosystem‑G is not responsible for disputes between Drivers and Riders, Consumers, or Companies.

4A. Setup Fees, Subscription Fees & Refund Policy

Drivers may be required to pay setup fees, onboarding fees, activation fees, or subscription fees to access certain platform features. All such fees are non‑refundable under all circumstances. By using the platform, Drivers acknowledge and agree that:

• No refunds are issued for setup or onboarding fees.
• No refunds are issued for subscription fees, whether monthly, annual, or prorated.
• Subscriptions may be canceled at any time, but cancellation does not entitle the Driver to a refund for any prior or current billing period.
• Access to paid features continues until the end of the current billing cycle unless terminated for violations of these Terms.

5. Prohibited Conduct

• Unsafe driving, reckless behavior, or violation of traffic laws.
• Fraudulent activity or falsifying ride or delivery details.
• Harassment, discrimination, or abusive behavior toward Riders or Consumers.
• Bypassing platform processes, pricing, or fees.
• Interfering with platform operations or security.

6. At‑Your‑Own‑Risk Acknowledgment

By using The Ecosystem‑G, Drivers acknowledge that they operate independently and at their own risk. Ed Freeney & Associates LLC is not liable for accidents, damages, injuries, losses, or disputes arising from Driver activities or interactions with Riders, Consumers, or Companies.

7. Suspension & Removal

The Company may suspend or remove a Driver for unsafe behavior, fraud, misconduct, non‑compliance, or violations of these Terms or any applicable network‑specific rules.

8. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict‑of‑law rules.

These Rider Terms of Use (“Terms”) apply to any Rider (“Rider”) who accesses, requests, or uses transportation‑related features within The Ecosystem‑G (Unified Multi‑Network System). The Ecosystem‑G is a technology platform that connects independent Riders, Drivers, Companies, and Consumers. The Ecosystem‑G does not provide transportation services, does not supervise Drivers, and does not guarantee any transportation outcomes. All ride activity occurs at the Rider’s own risk.

1. Platform Role Only

The Ecosystem‑G is a platform, not a transportation provider. We do not offer rides, delivery, logistics, or courier services. All transportation services are performed by independent Drivers or Driver Companies who are not employees, agents, or representatives of Ed Freeney & Associates LLC.

2. Rider Responsibilities

• Provide accurate pickup, drop‑off, and contact information.
• Behave respectfully toward Drivers and other platform users.
• Use the platform only for lawful and authorized transportation needs.
• Follow reasonable safety instructions provided by Drivers.
• Assume all risks associated with interacting with independent Drivers.

3. Ride Requests

Riders must review pricing, estimated times, Driver details, and any applicable fees before confirming a ride. Submitting a ride request does not guarantee acceptance or availability.

4. Payments

Ride charges, fees, adjustments, and billing terms follow platform rules and may vary by distance, time, demand, or network. The Ecosystem‑G is not responsible for disputes between Riders and Drivers or Driver Companies.

4A. Setup Fees, Subscription Fees & Refund Policy

Riders may be required to pay setup fees, onboarding fees, activation fees, or subscription fees to access certain platform features. All such fees are non‑refundable under all circumstances. By using the platform, Riders acknowledge and agree that:

• No refunds are issued for setup or onboarding fees.
• No refunds are issued for subscription fees, whether monthly, annual, or prorated.
• Subscriptions may be canceled at any time, but cancellation does not entitle the Rider to a refund for any prior or current billing period.
• Access to paid features continues until the end of the current billing cycle unless terminated for violations of these Terms.

5. Prohibited Conduct

• Submitting fraudulent ride requests or payment methods.
• Harassment, threats, or unsafe behavior toward Drivers or other users.
• Interfering with Driver operations or platform systems.
• Transporting illegal, hazardous, or prohibited items.
• Attempting to bypass platform processes, pricing, or fees.

6. At‑Your‑Own‑Risk Acknowledgment

By using The Ecosystem‑G, Riders acknowledge that all interactions with Drivers and Driver Companies occur at their own risk. Ed Freeney & Associates LLC is not liable for accidents, injuries, damages, losses, or disputes arising from transportation activities or interactions with independent Drivers.

7. Suspension & Removal

The Company may suspend or remove a Rider for unsafe behavior, fraud, misconduct, or violations of these Terms or any applicable network‑specific rules.

8. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict‑of‑law rules.

These Vendor Terms of Use (“Terms”) apply to any Vendor (“Vendor”) who accesses, lists services, accepts work, or operates within The Ecosystem‑G (Unified Multi‑Network System). The Ecosystem‑G is a technology platform that connects independent Vendors, Consumers, Drivers, Riders, and Companies. The Ecosystem‑G does not provide, supervise, guarantee, or perform any Vendor services. All Vendor activity occurs at the Vendor’s own risk.

1. Platform Role Only

The Ecosystem‑G is a platform, not a service provider. We do not offer vendor services, contracting, labor, logistics, insurance, legal, or marketplace services. All services are performed by independent Vendors or Vendor Companies who are not employees, agents, or representatives of Ed Freeney & Associates LLC.

2. Vendor Eligibility

• Provide accurate business, identity, and service information.
• Maintain required insurance, licenses, or certifications where applicable.
• Comply with all relevant laws, regulations, and industry standards.
• Update the platform regarding changes to business status or compliance.

3. Vendor Responsibilities

• Deliver services professionally, safely, and in accordance with applicable laws.
• Maintain truthful, accurate, and non‑misleading service listings.
• Protect Consumer, Rider, and Driver data and maintain confidentiality.
• Use the platform only for lawful and authorized business purposes.
• Assume all risks associated with providing services to Consumers or Companies.

4. Profile Status

Vendors may operate with an incomplete profile; however, missing compliance items may limit access to certain service categories, assignments, or platform features. The Ecosystem‑G does not guarantee work availability or assignment volume.

5. Payments

Vendor payouts, fees, adjustments, and billing terms follow platform rules and may vary by network, service type, or assignment. The Ecosystem‑G is not responsible for disputes between Vendors and Consumers, Drivers, or Companies.

5A. Setup Fees, Subscription Fees & Refund Policy

Vendors may be required to pay setup fees, onboarding fees, activation fees, or subscription fees to access certain platform features. All such fees are non‑refundable under all circumstances. By using the platform, Vendors acknowledge and agree that:

• No refunds are issued for setup or onboarding fees.
• No refunds are issued for subscription fees, whether monthly, annual, or prorated.
• Subscriptions may be canceled at any time, but cancellation does not entitle the Vendor to a refund for any prior or current billing period.
• Access to paid features continues until the end of the current billing cycle unless terminated for violations of these Terms.

6. Prohibited Conduct

• Submitting fraudulent, misleading, or inaccurate information.
• Misrepresenting qualifications, capabilities, or service offerings.
• Bypassing platform processes, pricing, or fees.
• Engaging in abusive, unsafe, negligent, or unlawful behavior.
• Interfering with platform operations or security.

7. At‑Your‑Own‑Risk Acknowledgment

By using The Ecosystem‑G, Vendors acknowledge that all interactions with Consumers, Drivers, Riders, and Companies occur at their own risk. Ed Freeney & Associates LLC is not liable for damages, losses, injuries, disputes, or service outcomes arising from Vendor activities.

8. Suspension & Removal

The Company may suspend or remove a Vendor for misconduct, fraud, non‑compliance, safety concerns, or violations of these Terms or any applicable network‑specific rules.

9. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict‑of‑law rules.

This Privacy Policy explains how Ed Freeney & Associates LLC (“we,” “us,” “our”) collects, uses, shares, and protects personal information when you use any Ecosystem‑G platform, including myvendor.info, anyneverything.org, freeneyinsurance.com, thegrub.app, myroad.pro, inhousedelivery.app, and future mapped sites.

1. Information We Collect

Information You Provide

• Contact details (name, address, phone, email).
• Account and profile information.
• Insurance, vendor, marketplace, or delivery details as applicable.
• Payment information (processed via third‑party processors).

Information Collected Automatically

• IP address, device type, browser type.
• Pages visited, time on site, and usage patterns.
• Cookies and similar technologies (see Cookie Policy).

Information from Third Parties

• Insurance‑related data (MVR, CLUE, credit‑based scores where permitted).
• Vendor, marketplace, and logistics data from partners.
• Public records and verification services.

2. How We Use Your Information

• Provide and improve Ecosystem‑G services.
• Process quotes, orders, applications, and deliveries.
• Service and support accounts, policies, and transactions.
• Prevent fraud and enhance security.
• Comply with legal and regulatory obligations.
• Communicate with you, including marketing where permitted.

3. How We Share Your Information

• With vendors, carriers, and partners involved in fulfilling your requests.
• With service providers (hosting, analytics, payment, communications).
• With regulators and authorities where required by law.
• With other parties in connection with business transactions, as permitted.

Mobile information will not be shared with third parties/affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. Your Choices

• Opt out of marketing communications.
• Request access to or correction of your information.
• Request deletion where permitted by law.

5. Data Security

We use administrative, technical, and physical safeguards to protect your information, as described in the Security Policy below. No system is completely secure, but we take reasonable steps to reduce risk.

6. Children’s Privacy

Ecosystem‑G platforms are not intended for children under 13, and we do not knowingly collect information from children.

7. Changes to This Policy

We may update this Privacy Policy at any time. Changes are effective when posted with an updated “Last Updated” date.

8. Contact

[202 Brookford Rd. Syracuse NY. 13224]
[ed@edfreeney.biz]
[(833)373-3639]

By submitting your information on any Ecosystem‑G platform, you agree and consent to:

• Receive calls, texts, emails, and messages from Ed Freeney & Associates LLC, its platforms (including Freeney Insurance), and its agents, vendors, partners, and service providers.
• Communications that may include automated dialing systems, prerecorded messages, and SMS/text messages.
• Communications for quotes, orders, deliveries, policy servicing, renewals, account updates, or marketing.
• Message and data rates may apply.
• You may opt out at any time by replying STOP to any text message or by contacting us using the contact information provided on this site.

Consent is not a condition of purchasing any product or service.

By using any Ecosystem‑G platform, you consent to the use of electronic records and signatures for applications, orders, forms, policy documents, and other communications, to the fullest extent permitted by law.

1. Requirements

• A valid email address.
• A device with internet access.
• Ability to view PDF or HTML documents.

2. Withdrawing Consent

You may withdraw your consent to electronic records and signatures by contacting us. Withdrawal may delay or prevent completion of certain transactions and may require paper‑based processing where available.

3. Paper Copies

You may request paper copies of certain documents where required by law. We may charge a reasonable fee for paper copies, where permitted.

4. Legal Effect

Electronic signatures and records have the same legal effect as handwritten signatures and paper records, to the fullest extent permitted by applicable law.

For insurance‑related activities conducted through FreeneyInsurance.com and other Ecosystem‑G channels, Ed Freeney & Associates LLC and its agents operate as licensed insurance producers, agencies, or Managing General Agents (MGAs) in the states where such activities occur.

1. Licensing Overview

• We maintain resident and non‑resident licenses as required by state law.
• Agents contacting you will be licensed or authorized in your state.
• Carrier appointments vary by state, line of business, and product.
• Product availability varies by state and carrier underwriting rules.

2. Verification

You may verify licensing status through:

• Your state’s Department of Insurance.
• The National Insurance Producer Registry (NIPR).
• The NAIC Producer Database.

3. State‑Specific Notices

Certain states require additional disclosures, which may be presented electronically or verbally during the quote or application process. Where state‑specific forms or notices are required, those documents control in the event of any conflict.

Ecosystem‑G platforms use cookies and similar technologies to improve performance, personalize experiences, analyze usage, and support security and marketing.

1. Types of Cookies

• Essential: Required for core functionality and security.
• Analytics: Measure traffic, performance, and usage patterns.
• Preference: Remember your settings and preferences.
• Marketing: Support advertising and campaign measurement, where applicable.

2. How We Use Cookies

• Improve site reliability and responsiveness.
• Understand how users interact with platforms.
• Personalize content and experiences.
• Support security and fraud detection.

3. Your Choices

• Disable cookies in your browser settings.
• Use “Do Not Track” settings where supported.
• Opt out of certain analytics or advertising cookies where tools are provided.

Disabling cookies may affect site functionality.

Ed Freeney & Associates LLC is committed to providing accessible digital experiences across all Ecosystem‑G platforms, including myvendor.info, anyneverything.org, freeneyinsurance.com, thegrub.app, myroad.pro, inhousedelivery.app, and future sites.

1. Standards

We strive to meet or exceed:

• WCAG 2.1 AA accessibility standards.
• Applicable ADA digital accessibility guidelines.

2. Accessibility Features

• Keyboard navigation support.
• Screen‑reader compatibility.
• High‑contrast modes and readable typography.
• Responsive layouts and scalable text.
• Clear headings and semantic structure.

3. Ongoing Improvements

We continuously review and improve our digital accessibility and may update design, content, and technology to better serve all users.

4. Feedback

If you encounter accessibility barriers, please contact us:
[ed@edfreeney.biz]
[(833)373-3639]
[202 Brookford Rd. Syracuse NY. 13224]

These Terms of Service (“Agent Terms”) govern the relationship between Ed Freeney & Associates LLC (“Company”) and any licensed agent, producer, sub‑agent, or partner agency (“Agent”) who accesses Ecosystem‑G systems, submits business, or represents any Ecosystem‑G brand, including Freeney Insurance.

1. Licensing Requirements

• Maintain active resident and non‑resident licenses as required.
• Maintain carrier appointments where applicable.
• Notify the Company of any license suspension, termination, or regulatory action.
• Comply with all state and federal insurance laws.

2. Agent Responsibilities

• Provide accurate and complete customer information.
• Follow all underwriting guidelines and carrier rules.
• Submit applications truthfully and in good faith.
• Protect customer data and confidential information.
• Use Company systems only for authorized business purposes.

3. Branding & Representation

Agents may represent Ecosystem‑G brands only as authorized. Misuse of branding, misrepresentation of authority, or unauthorized marketing is prohibited.

4. Compensation

Compensation is governed by separate commission schedules or producer agreements. Chargebacks may apply for cancellations, rescissions, or unearned commissions.

5. Prohibited Conduct

• Misrepresenting coverage or guaranteeing approval.
• Engaging in rebating or unlawful inducements.
• Submitting fraudulent or incomplete applications.
• Sharing login credentials or bypassing security controls.
• Circumventing underwriting rules or carrier requirements.

6. Termination

The Company may terminate an agent relationship for misconduct, non‑compliance, fraud, regulatory violations, or failure to maintain licensing.

7. Confidentiality

Agents must protect all confidential information, including customer data, carrier information, and proprietary systems, and may use such information only for authorized business purposes.

8. Governing Law

These Agent Terms are governed by the laws of the State of Georgia.

This Producer Agreement (“Agreement”) outlines the relationship between Ed Freeney & Associates LLC (“Company”) and the Producer (“Producer”) appointed to solicit, submit, and service insurance business through Ecosystem‑G programs, subject to carrier approval.

1. Appointment & Authority

Producer may:

• Market approved products and programs.
• Collect customer information and documentation.
• Submit applications and supporting materials.
• Provide customer service and policy support.

Producer may not:

• Bind coverage unless explicitly authorized in writing.
• Alter policy terms or conditions.
• Issue certificates or endorsements without carrier approval.

2. Compensation

Producer will receive commissions as outlined in the applicable Commission Schedule. The Company may adjust commissions with notice. Chargebacks apply for cancellations, rescissions, non‑payment, or fraudulent submissions.

3. Compliance

Producer must comply with:

• State and federal insurance laws and regulations.
• Carrier underwriting guidelines and rules.
• Company policies, procedures, and compliance directives.
• Anti‑fraud, privacy, and data protection requirements.

4. Ownership of Business

Unless otherwise agreed in writing, the Company owns the book of business. Producer may service customers but does not own policyholder data or carrier relationships.

5. Termination

Either party may terminate this Agreement with notice. Immediate termination may occur for fraud, misconduct, regulatory action, or loss of license.

6. Indemnification

Producer agrees to indemnify and hold harmless the Company from losses arising from Producer misconduct, violations of law, or breaches of this Agreement.

This MGA Compliance Addendum (“Addendum”) applies when Ed Freeney & Associates LLC operates under Managing General Agent (MGA) authority and Producers submit business through such programs within Ecosystem‑G.

1. Underwriting Authority

Producers must follow:

• Carrier underwriting manuals and bulletins.
• MGA‑specific rules and eligibility criteria.
• Documentation and verification requirements.

No Producer may exceed delegated authority.

2. Binding Authority

Only authorized personnel may bind coverage, issue policies, approve endorsements, or process cancellations under MGA programs. Any unauthorized binding is voidable and may result in disciplinary action.

3. Reporting Requirements

• Submit complete and accurate applications.
• Provide required documentation promptly.
• Report claims and incidents without delay.
• Maintain accurate records of communications and submissions.

4. Compliance Monitoring

The Company may audit submissions, review communications, monitor compliance, and suspend or revoke access to MGA programs for non‑compliance.

5. Regulatory Cooperation

Producers must cooperate with state Departments of Insurance, carrier audits, and MGA compliance reviews, including providing requested records and information.

1. General Disclaimer

Information on Ecosystem‑G platforms is for general informational purposes only and does not constitute an offer of insurance, legal advice, tax advice, financial advice, or any guarantee of outcome.

2. No Guarantee of Coverage or Availability

Submitting a form, request, or application does not bind coverage or guarantee availability of any product, service, listing, or delivery. All offerings are subject to eligibility, underwriting, and platform rules.

3. Accuracy Disclaimer

We strive for accuracy but do not guarantee that information, rates, product descriptions, or listings are error‑free, complete, or current. For insurance products, carrier policy forms and declarations control.

4. Third‑Party Links

Ecosystem‑G platforms may contain links to third‑party websites or resources. We are not responsible for the content, security, or practices of third‑party sites and do not endorse or guarantee their offerings.

5. No Professional Advice

Content on these platforms is not legal, tax, or financial advice. You should consult qualified professionals for advice specific to your situation.

This Data Retention Policy describes how long Ed Freeney & Associates LLC retains data collected through Ecosystem‑G platforms and how such data is disposed of when no longer required.

1. Retention Periods

• Insurance applications: 7–10 years.
• Policy documents: Duration of policy + 7 years.
• Claims records: Duration of claim + 10 years.
• Vendor and marketplace records: Duration of relationship + 7 years.
• Agent and producer records: Duration of appointment + 7 years.
• Website logs: 12–36 months.
• Marketing data: Until opt‑out or 24 months of inactivity.

2. Legal Requirements

Retention periods may be extended to comply with state and federal laws, regulatory requirements, litigation holds, or investigations.

3. Secure Disposal

When data is no longer required, it is securely deleted, anonymized, or destroyed using methods appropriate to the sensitivity of the information and applicable legal requirements.

Ed Freeney & Associates LLC implements administrative, technical, and physical safeguards to protect data collected and processed through Ecosystem‑G platforms from unauthorized access, use, or disclosure.

1. Technical Safeguards

• Encryption in transit and at rest, where appropriate.
• Secure servers, firewalls, and network segmentation.
• Multi‑factor authentication and role‑based access controls.
• Intrusion detection, monitoring, and logging.

2. Administrative Safeguards

• Employee training on security and privacy.
• Least‑privilege access and periodic access reviews.
• Vendor security assessments and contractual safeguards.
• Incident response procedures and escalation paths.

3. Physical Safeguards

• Secure facilities and restricted access areas.
• Hardware protection and secure disposal.

4. Incident Response

We investigate security incidents, take appropriate remedial actions, and notify affected parties and regulators where required by law.

5. Continuous Improvement

We regularly review and update our security practices to address evolving threats, technologies, and regulatory expectations.