Terms and Conditions

miEdge™ Online Subscription Agreement Terms and Conditions

This miEdge Online Subscription Agreement ("Agreement") is by and between IBIS, LLC, d/b/a miEdge (hereinafter referred to as "miEdge", "us", "our" or "we") and you (hereinafter referred to as "SUBSCRIBER"). This Agreement shall be effective as of the date of electronic execution ("Effective Date").

1. INTRODUCTION

A. Purpose. The mission of miEdge is to provide insurance and financial professionals with the tools to enable them to be more productive and successful. To achieve our mission, we make services available through our website ("miEdge Site") and mobile applications to help you learn, work, find opportunities, make decisions, and make deals ("Services").

B. User. SUBSCRIBER shall be provided access to the miEdge Site and/or Services for only the information they have subscribed to.

2. YOUR OBLIGATIONS

A. Applicable laws and this Agreement. You must comply with all applicable laws and this Agreement, as may be amended from time to time. As a condition to access the miEdge Site, you agree to this Agreement and to strictly observe the following DOs and DON'Ts:

DO undertake the following:

  1. Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, and regulatory requirements;
  2. Provide accurate information to us and update it as necessary;
  3. Review and comply with our Privacy Policy;
  4. Review and comply with notices sent by miEdge concerning the Services; and
  5. Use the Services in a professional manner.

DON'T undertake the following:

  1. Duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found on the miEdge Site, except as permitted in this Agreement or as expressly authorized by miEdge;
  2. Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof;
  3. Create a user profile for anyone other than a natural person;
  4. Utilize information, content or any data you view on and/or obtain from the miEdge Site to provide any service that is competitive, in miEdge's sole discretion, with the miEdge Site;
  5. Imply or state, directly or indirectly, that you are affiliated with or endorsed by miEdge unless you have entered into a written agreement with miEdge (this includes, but is not limited to representing yourself as an accredited miEdge trainer if you have not been certified by miEdge as such);
  6. Adapt, modify or create derivative works based on the miEdge Site or the technology underlying the Services;
  7. Rent, lease, loan, trade, sell/re-sell access to the miEdge Site or any information therein, or the equivalent, in whole or part;
  8. Use manual or automated software, devices, script robots, or other means or processes to access, "scrape," "crawl" or "spider" any data, web pages, or other services contained in the site;
  9. Engage in "framing," "mirroring," or otherwise simulating the appearance or function of the miEdge Site;
  10. Attempt to or actually access the miEdge Site by any means other than through the interfaces provided by miEdge;
  11. Attempt to or actually override any security component included in or underlying the miEdge Site;
  12. Engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on our infrastructure, including but not limited to unsolicited communications to other users or miEdge personnel, attempts to gain unauthorized access, or transmission or activation of computer viruses;
  13. Remove any copyright, trademark or other proprietary rights notices contained in or on the miEdge Site, including those of miEdge and any of its licensors;
  14. Remove, cover or otherwise obscure any form of advertisement included on the miEdge Site;
  15. Interfere with or disrupt the miEdge Site, including but not limited to any servers or networks connected to the miEdge Site;
  16. Use or attempt to use another's account without authorization from miEdge; and
  17. Infringe or use miEdge's brand, logos and/or trademarks, including, without limitation, using the word "miEdge" in any business name, email, or URL or including miEdge's trademarks and logos except as expressly permitted by miEdge.

B. License and warranty for your submissions to miEdge. Any information you submit to us is at your own risk of loss. By providing information to us, you represent and warrant that you are entitled to submit the information and that the information is accurate, not confidential, and not in violation of any contractual restrictions or other third party rights. It is your responsibility to keep your miEdge profile information accurate and updated.

C. Service Eligibility. To be eligible to use the Service, SUBSCRIBER must meet the following criteria and represent and warrant that they: (1) are 18 years of age or older; (2) are not currently restricted from the Services, or not otherwise prohibited from having a miEdge account, (3) are not a competitor of miEdge or are not using the Services for reasons that are in competition with miEdge; and (4) will only maintain one miEdge account at any given time.

Each party hereby represents and warrants to the other that: (1) entering into this Agreement will not violate any other agreement to which it is a party; (2) will not violate any rights of the other party, including intellectual property rights such as patent, copyright or trademark rights; and (3) agrees to provide at its cost all equipment, software, and internet access necessary with respect to such party's use of the Services.

D. Sign-In Credentials. SUBSCRIBER agrees that they shall: (1) keep their passwords secure and confidential; (2) not permit others to use their account; (3) refrain from using other Users' accounts; and (4) refrain from selling, trading, or otherwise transferring their miEdge account to another party. SUBSCRIBER shall refrain from charging anyone for access to any portion of the miEdge Site, or any information therein. Further, SUBSCRIBER is responsible for anything that happens through its account until it closes down the account or proves that miEdge's account security was compromised due to no fault of SUBSCRIBER. To close your account, please email Customer Service at This email address is being protected from spambots. You need JavaScript enabled to view it..

E. Payment. SUBSCRIBER agrees to pay miEdge's monthly Subscription Fee as agreed to when SUBSCRIBER completed the registration process and accepted these terms and conditions by providing their Credit Card information. Monthly receipts are provided in the miAccount section or can be requested at This email address is being protected from spambots. You need JavaScript enabled to view it. .

Your annual subscription will be renewed automatically each year unless you terminate your miEdge subscription no more than sixty (60) days prior to the renewal date. All fees and charges are nonrefundable and there are no full, partial, or prorated refunds or credits for partially used periods unless miEdge terminates your subscription as set forth in Section 7.A.

F. Notify us of acts contrary to the Agreement. If you believe that you are entitled or obligated to act contrary to this Agreement under any mandatory law, you agree to provide us with detailed and substantiated explanation of your reasons in writing at least thirty (30) days before you act contrary to this Agreement, to allow us to assess whether we may, at our sole discretion, provide an alternative remedy for the situation, though we are under no obligation to do so.

G. Notifications and Service Messages. For purposes of service messages and notices about the Services to you, notice shall consist of an email from miEdge to an email address associated with your account, even if we have other contact information. You also agree that miEdge may communicate with you through your miEdge account or through other means including email, mobile number, telephone, or delivery services including the US Postal Service about your miEdge account or services associated with miEdge. You acknowledge and agree that we shall have no liability associated with or arising from your failure to maintain accurate contact or other information, including, but not limited to, your failure to receive critical information about the Service.

H. Mobile Services. miEdge may offer the Services through mobile applications. If a User uses the Services through a mobile device, you agree that information about the use of the Services through the mobile device may be communicated to us, including but not limited to the User's: mobile Partner, mobile device, or physical location. In addition, use of the Services through a mobile device may cause data to be displayed on and through your mobile device. In the event a User changes or deactivates their mobile account, they must promptly update their miEdge account information to ensure that messages are not sent to the person that acquires the old number and failure to do so is the User's responsibility. Users are responsible for all charges and necessary permissions related to accessing the miEdge Site through a mobile access provider.

I. Privacy. Users should carefully read our full Privacy Policy before deciding to become a User as it governs our treatment of any information, including personally identifiable information you submit to us. Please note that certain information, statements, data and content which Users may submit to miEdge may reveal gender, ethnic origin, nationality, age, religion and/or sexual orientation, and/or other personal information about the User. You acknowledge that User submission of any information, statements, data, and content to us is voluntary.

J. Indemnification. You expressly agree to indemnify us and hold us harmless for all damages, losses and costs (including, but not limited to, reasonable attorneys' fees and costs) related to all third party claims, charges, and investigations, caused by your acts including, without limitation, (1) your failure to comply with this Agreement, including, without limitation, your submission of content that violates third party rights or applicable laws, (2) any content you submit to the Services, (3) any activity in which you engage on, by or through the miEdge Site, (4) your use of any data provided by miEdge, and (5) any claim by any governmental entity for unpaid taxes or fees in any way related to your subscription with miEdge.

miEdge agrees to indemnify SUBSCRIBER and hold SUBSCRIBER harmless for all damages, losses and costs (including, but not limited to, reasonable attorneys' fees and costs) related to all third party claims, charges and investigations, caused by miEdge's acts including, without limitation: (1) failure to comply with this Agreement; (2) the provision of content through the miEdge Site or Services which violates the rights of any third party or applicable laws, including, identity theft arising from or relating to a breach of the miEdge Site.

3. YOUR RIGHTS

On the condition that you comply with all your obligations under this Agreement, we grant you a limited, revocable, nonexclusive, nonassignable, nonsublicenseable right to access information, through a generally available web browser or mobile device or application, view information, and use the Services that we provide on the miEdge Site and in accordance with this Agreement. Any other use of the miEdge Site contrary to our mission and purpose is strictly prohibited and a violation of this Agreement. We reserve all rights not expressly granted in this Agreement, including, without limitation, title, ownership, intellectual property rights, and all other rights and interest in the miEdge Site and all related items.

4. OUR RIGHTS AND OBLIGATIONS

A. Services Availability. For as long as miEdge continues to offer the Services, miEdge shall provide and seek to update, improve and expand the Services. As a result, we allow you to access the miEdge Site as it may exist and be available on any given day and have no other obligations, except as expressly stated in this Agreement. We may modify, replace, refuse access to, suspend or discontinue the miEdge Site, partially or entirely. In the event access is refused or the miEdge Site is suspended or discontinued, miEdge shall provide SUBSCRIBER with a prorated refund of its aggregated Annual Subscription Fee.

miEdge may change and modify prices for all or part of the Services in our sole discretion once per year and shall notify SUBSCRIBER at least sixty (60) days prior to the end of the then current subscription term to give SUBSCRIBER time to evaluate the price change and decide if a renewal is warranted. miEdge further reserves the right to withhold, remove and or discard any content available as part of your account, with or without notice if deemed by miEdge to be contrary to this Agreement. For avoidance of doubt, miEdge has no obligation to store, maintain or provide you a copy of any content that you or other Users provide when using the Services. Any questions or issues surrounding the functionality of the miEdge Site or application should be directed to This email address is being protected from spambots. You need JavaScript enabled to view it..

B. Third Parties. miEdge may include links to third party web sites ("Third Party Sites") on www.miEdge.biz and elsewhere. You are responsible for evaluating whether you want to access or use a Third Party Site. You should review any applicable terms and/or privacy policy of a Third Party Site before using it or sharing any information with it, because you may give the operator permission to use your information in ways we would not.

miEdge is not responsible for and does not endorse any features, content, advertising, products or other materials on or available from Third Party Sites. Accordingly, if you decide to access Third Party Sites, you do so at your own risk and agree that that this Agreement does not apply to your use of any Third Party Site.

Please note: If you allow a Third Party Site to authenticate to or connect with your miEdge account, that application or website can access information on miEdge related to you and your connections.

C. Disclosure of User Information. You acknowledge, consent and agree that we may access, preserve, and disclose your registration and any other information you provide if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary in our opinion to: (1) comply with legal process, including but not limited to civil and criminal subpoenas, court orders or other compulsory disclosures; (2) enforce this Agreement; (3) respond to claims of a violation of the rights of third parties, whether or not the third party is a user, individual, or government Partner; (4) respond to customer service inquiries; or (5) protect the rights, property, or personal safety of miEdge, our users or the public.

D. Equal Opportunity. The parties hereto and their respective subcontractors shall abide by the requirements of 41 CFR 60-300.5(a) and 60-741.5(a). These regulations prohibit discrimination against qualified individuals on the basis of protected veteran status or disability, and require affirmative action by covered prime contractors and subcontractors to employ and advance in employment qualified protected veterans and individuals with disabilities.

5. DISCLAIMER

SUBSCRIBER ACKNOWLEDGES THAT THE DATA CONTAINED ON THE MIEDGE SITE IS DATA OBTAINED FROM THIRD PARTIES AND WILL CONTAIN A DEGREE OF ERROR AND THAT SUBSCRIBER IS RESPONSIBLE FOR DETERMINING THAT THE DATA CONTAINED ON THE MIEDGE SITE IS SUFFICIENTLY ACCURATE FOR USER'S PURPOSES. THE DATA CONTAINED ON THE MIEDGE SITE AND PROVIDED HEREUNDER IS PROVIDED ON AN AS-IS, AS-AVAILABLE BASIS AND MIEDGE DOES NOT MAKE AND HEREBY DISCLAIMS ANY WARRANTY, EXPRESS OR IMPLIED, WITH RESPECT TO THE LICENSED DATA, INCLUDING, BUT NOT LIMITED TO, THE ACCURACY, COMPLETENESS, TIMELINESS, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE DATA.

DO NOT RELY ON THE MIEDGE SITE, ANY INFORMATION THEREIN, OR ITS CONTINUATION. WE PROVIDE THE PLATFORM FOR MIEDGE AND ALL INFORMATION AND SERVICES ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DO NOT PROVIDE ANY EXPRESS WARRANTIES OR REPRESENTATIONS.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ANY AND ALL IMPLIED WARRANTIES AND REPRESENTATIONS, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.

MIEDGE NEITHER WARRANTS NOR REPRESENTS THAT YOUR USE OF THE SERVICE WILL NOT INFRINGE THE RIGHTS OF THIRD PARTIES. ANY MATERIAL, SERVICE, OR TECHNOLOGY DESCRIBED OR USED ON THE MIEDGE SITE MAY BE SUBJECT TO INTELLECTUAL PROPERTY RIGHTS OWNED BY THIRD PARTIES WHO HAVE LICENSED SUCH MATERIAL, SERVICE OR TECHNOLOGY TO US.

MIEDGE DOES NOT GUARANTEE THAT THE SERVICES IT PROVIDES WILL FUNCTION WITHOUT INTERRUPTION OR ERRORS IN FUNCTIONING. IN PARTICULAR, THE OPERATION OF THE SERVICES MAY BE INTERRUPTED DUE TO MAINTENANCE, UPDATES, OR SYSTEM OR NETWORK FAILURES. MIEDGE DISCLAIMS ALL LIABILITY FOR DAMAGES CAUSED BY ANY SUCH INTERRUPTION OR ERRORS IN FUNCTIONING. FURTHERMORE, MIEDGE DISCLAIMS ALL LIABILITY FOR ANY MALFUNCTIONING, IMPOSSIBILITY OF ACCESS, OR POOR USE CONDITIONS OF THE MIEDGE SITE DUE TO DISTURBANCES RELATED TO INTERNET SERVICE PROVIDERS, TO THE SATURATION OF THE INTERNET NETWORK, USER'S USE OF OUTDATED OR INCOMPATIBLE WEB BROWSERS, AND FOR ANY OTHER REASON.

6. LIMITATION OF LIABILITY

Neither miEdge nor any of our subsidiaries, affiliated companies, employees, shareholders, members, or directors (hereinafter "miEdge Affiliates") shall be liable for (a) any damages in excess of three (3) times the annual subscription fee you paid or (b) any special, incidental, indirect, punitive or consequential damages or loss of use, profit, revenue or data to you or any third person arising from your use of the Service, any platform applications or any of the content or other materials on, accessed through or downloaded from the miEdge Site. This limitation of liability shall:

A. Apply regardless of whether (1) you base your claim on contract, tort, statute or any other legal theory, (2) we knew or should have known about the possibility of such damages, or (3) the limited remedies provided in this section fail of their essential purpose; and

B. Not apply to any damage that miEdge may cause you intentionally or knowingly in violation of this Agreement or applicable law, or as otherwise mandated by applicable law that cannot be disclaimed from in this Agreement.

7. TERMINATION

A. Mutual rights of termination. You may terminate this Agreement, for any or no reason, at any time, with notice to miEdge. This notice will be effective upon miEdge processing your notice, said processing shall not take longer than five (5) business days. If you terminate this Agreement, you remain responsible for payment for the remainder of your aggregated Annual Subscription Fee as set forth in Section 2.E.

miEdge may terminate this Agreement for any reason or no reason, at any time, with or without notice. This cancellation shall be effective immediately or as may be specified in the notice. Termination of your miEdge account includes disabling your access to miEdge and may also bar you from any future use of miEdge. If miEdge terminates this Agreement for reasons other than those set forth in Section 7.B, miEdge will refund a prorated amount of the aggregated Annual Subscription Fee paid by SUBSCRIBER.

B. Misuse of the Services. miEdge may restrict, suspend or terminate the account of any User who abuses or misuses the Services. Misuse of the Services includes, but is not limited to, the following: creating multiple or false profiles; sharing the username and password with others; infringing any intellectual property rights of miEdge or any other person or entity, or any other behavior that miEdge, in its sole discretion, deems contrary to its purpose. In the event miEdge decides to terminate SUBSCRIBER's account, miEdge shall notify SUBSCRIBER of the misuse of the Services and allow SUBSCRIBER ninety (90) days to rectify the situation. Upon termination of the SUBSCRIBER account for misuse of miEdge's Services, you remain responsible for payment for the remainder of your aggregated Annual Subscription Fee as set forth in Section 2.E.

C. Effect of Termination. Upon the termination of your miEdge account, you lose access to the Services. In addition, miEdge may block access to the Services from an IP address or range of IP addresses associated with those of terminated Users. The terms of this Agreement shall survive any termination, except Sections 3 ("Your Rights") and 4 ("Our Rights and Obligations") hereof.

8. GENERAL TERMS

A. Severability. If any provision of this Agreement is found by a court of competent jurisdiction or arbitrator to be illegal, void, or unenforceable, the unenforceable provision will be modified so as to render it enforceable and effective to the maximum extent possible in order to effect the intention of the provision; and if a court or arbitrator finds the modified provision invalid, illegal, void or unenforceable, the validity, legality and enforceability of the remaining provisions of this Agreement will not be affected in any way.

B. Language. Where miEdge has provided you with a translation of the English language version of this Agreement, the Privacy Policy, and/or any other documentation, you agree that the translation is provided for your convenience only and that the English language versions of this Agreement, the Privacy Policy, and any other documentation, will govern your relationship with miEdge.

C. Notices and Service of Process. In addition to Section 2.G. ("Notifications and Service Messages"), we may notify you via postings on www.miEdge.biz. You may contact us via email at: This email address is being protected from spambots. You need JavaScript enabled to view it.

or via mail or courier at:

IBIS, LLC, d/b/a miEdge
ATTN: Customer Service Department
326 Chestnut Hill Road
New Boston, New Hampshire 03070

Additionally, miEdge accepts service of process at this address. Any notices that you provide without compliance with this section shall have no legal effect.

Notices related to or required to be provided to SUBSCRIBER under this Agreement shall be sent to address provided by SUBSCRIBER on website.

D. Amendments to this Agreement. We reserve the right to modify, supplement or replace the terms of the Agreement. miEdge shall present SUBSCRIBER with a request for an amendment to this Agreement at least ninety (90) days prior to the changes going into effect. In the event SUBSCRIBER does not wish to agree to changes to the Agreement, it may terminate the Agreement at any time per Section 7 (Termination), and miEdge hereby agrees to refund SUBSCRIBER a prorated portion of the aggregated Annual Subscription Fee for the remainder of the term of the Agreement.

E. No informal waivers, agreements or representations. Our failure to act with respect to a breach of this Agreement by you or others does not waive our right to act with respect to that breach or subsequent similar or other breaches. Except as expressly and specifically contemplated by this Agreement. No representations, statements, consents, waivers or other acts or omissions by any miEdge Affiliate shall be deemed legally binding on any miEdge Affiliate, unless documented in a physical writing hand signed by a duly appointed officer of miEdge.

F. Governing Law and Jurisdiction. This Agreement and performance hereunder shall be governed by the laws of the State of New Hampshire without regard to conflicts of laws principles of such jurisdiction. SUBSCRIBER and miEdge hereby agree that the sole and exclusive jurisdiction and venue for any litigation arising from or relating to this Agreement shall be an appropriate federal or state court located in the State of New Hampshire.

G. No Injunctive Relief. In no event shall you seek or be entitled to rescission, injunctive or other equitable relief, or to enjoin or restrain the operation of the Service, exploitation of any advertising or other materials issued in connection therewith, or exploitation of the Services or any content or other material used or displayed through the Services, and you expressly waive your rights related to same.

H. Assignment and Delegation. You may not assign or delegate any rights or obligations under this Agreement. Any purported assignment and delegation shall be ineffective, invalid, and void. We may freely assign or delegate all rights and obligations under this Agreement, fully or partially, with ninety (90) days prior written notice to you. We may also substitute IBIS, LLC, d/b/a miEdge for any third party that assumes our rights and obligations under this Agreement by way of unilateral novation, effective upon notice to you.

I. Entire Agreement. You agree that this Agreement constitutes the entire, complete and exclusive agreement between you and us regarding the Services and supersedes all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of this Agreement. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other miEdge services, third-party content or third party software.

miEdge™ PRIVACY POLICY

INTRODUCTION

The mission of miEdge is to provide insurance and fianacial professionals with the tools to enable them to be more productive and successful. To achieve our mission, we make services available through our website and mobile applications to help you learn, work, find opportunities, make decisions, and make deals.

Being part of miEdge means sharing information about you with miEdge and storing information on the miEdge website. But the amount and type of information you decide to share is up to you. You have control over what you share, and you can update your information at any time. Your personally identifiable information is private and confidential, and we do not share, distribute, rent, sell, or otherwise provide any personally identifiable information to others. All personally identifiable information that you provide will be protected with industry standard protocols and technology.

We reserve the right to modify this Privacy Policy at any time, so please review it frequently. If we make material changes to this policy, we will notify you on our homepage, by email, or by notice through contact information provided by you. By continuing to use the miEdge Service after notice of changes has been sent to you or published on the miEdge website, you are consenting to the changes.

Please read this policy and send us questions, concerns and suggestions at This email address is being protected from spambots. You need JavaScript enabled to view it..

1. PERSONAL INFORMATION COLLECTED

The mission of miEdge is to provide insurance professionals with the tools to enable them to be more productive and successful. To achieve our mission, we make services available through our website and mobile applications to help you learn, work, find opportunities, make decisions, and make deals. By subscribing to miEdge, you voluntarily and willingly provide us certain information, including personally identifiable information, which we collect in order to provide the Services.

We collect your personal information in the following ways:

A. Registration. In order to become a User, you must provide certain information to create an account, including name, address, phone numbers, email address, employer, type of producer, and password. Like other passwords, you should choose one that is known only by you. You acknowledge that this information is personal to you, and by creating an account on miEdge, you allow miEdge, to identify you.

B. Profile Information. Once you become a User, you may provide additional information to miEdge. Providing additional information about yourself beyond what is minimally required at registration is entirely up to you, but providing additional information enables you to derive more benefit from miEdge by helping miEdge to better customize your user experience. Any information you provide at registration or in the Profile section may be used by miEdge as described in the User Agreement and this Privacy Policy (collectively referred to as "Terms of Service"), including for the purpose of serving advertisements through the service. If you decide not to share certain information, you may not receive the full benefit of being a miEdge User.

C. Customer Service. We may collect information through the miEdge website in order to, among other things, accurately categorize and respond to customer inquiries and investigate breaches of our terms.

D. Site Usage. We may collect information about the fact that you use certain features and functionality of miEdge, interact with third party applications, click on ads, or participate in research initiatives like polling and surveys on miEdge.

E. Cookies. Like most websites, we use cookies and web log files to track site usage and trends, to improve the quality of our service, to customize your experience on miEdge, as well as to deliver third party advertising to Users on the miEdge site. A cookie is a tiny data file that resides on your computer, mobile phone, or other device, and allows us to recognize you as a User when you return to the miEdge website using the same computer and web browser. You can remove or block cookies using the settings in your browser, but in some cases that may impact your ability to use miEdge. One type of cookie, known as a "persistent" cookie, is set once you've logged in to your miEdge account. The next time you visit the miEdge website, the persistent cookie will allow us to recognize you as an existing User so you will not need to log in before using the Services. In order to access or change any of your private information (like a credit card number), however, you must log in securely again with your password even if your computer contains your persistent cookie. Another type of cookie, called a "session" cookie, is used to identify a particular visit to the miEdge website. Session cookies expire after a short time or when you close your web browser.

In the course of serving advertisements or optimizing the Services to our Users, we may allow authorized third parties to place or recognize a unique cookie on your browser. Any information provided to third parties through cookies will not be personally identifiable but may provide general segment information (e.g., your producer type or geography, or information about your targeted industries or Partners) for greater customization of your user experience. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. miEdge does not store unencrypted personally identifiable information in the cookies.

F. Log files, IP addresses and information about your computer and mobile device. Due to the communications standards on the internet, when you visit the miEdge website, we automatically receive the URL of the site from which you came and the site to which you are going when you leave miEdge. miEdge also receives the internet protocol ("IP") address of your computer (or the proxy server you use to access the World Wide Web), your computer operating system and type of web browser you are using, mobile device operating system (if you are accessing miEdge using a mobile device), as well as the name of your ISP or your mobile Partner. We use this information to analyze overall trends to help improve the service. The linkage between your IP address and your personally identifiable information is not shared with third parties without your permission, except as described in Section 2.F ("Compliance with Legal Process"), below.

G. Linked Accounts. If you link your miEdge account to another account or service, or use other third party sites or services in conjunction with your miEdge account, we may collect information related to your use of third party sites and services accessed through miEdge or when you access miEdge through a third party site or service.

H. Rights to Access, Correct and Eliminate Information About You. You have a right to access, modify, correct and eliminate the data you supplied to miEdge. If you update any of your information, we may keep a copy of the information that you originally provided to us in our archives for uses documented in this policy. You may request deletion of your information at any time by contacting miEdge customer service. We will respond to your request within thirty (30) days.

2. USES OF PERSONAL INFORMATION

A. Consent to miEdge Processing Information About You. The information you provide to miEdge may reveal your nationality, ethnic origin, religion, gender, age, geography, or other aspects of your private life. By providing information to us for the purposes of creating your User account or adding any additional details to your miEdge profile, you are expressly and voluntarily accepting the terms and conditions of this Privacy Policy and miEdge's User Agreement that allow miEdge to process information about you. Supplying information to miEdge, including any information deemed "sensitive" by applicable law, is entirely voluntary on your part. You have the right to withdraw your consent to miEdge's collection and processing of your information at any time, in accordance with the terms of this Privacy Policy and the User Agreement by closing your account, but please note that your withdrawal of consent will not be retroactive.

B. miEdge Communications. As described in the User Agreement, we will communicate with you through email and notices posted on the miEdge website, or through other means available through the service, including mobile text messages. We may send you a series of emails that help inform new Users about the features of the Services, and we will also send you service messages relating to the functioning of the Services. We may also send you messages with promotional information directly or on behalf of our partners, unless you have opted out of receiving promotional information.

You can change your e-mail and contact preferences at any time by logging into your account and changing your settings related to your email notification choices. If you wish, you can also opt-out of receiving promotional emails by sending a request to miEdge at This email address is being protected from spambots. You need JavaScript enabled to view it. .

Please be aware that you cannot opt-out of receiving service messages from miEdge. Also, if we send communications to you via the Partner service with which you have a mobile communications subscription or otherwise have access, you understand you will pay any service fees associated with your receipt of messages on your mobile device (including text messaging charges).

C. Sharing Information with Third Parties. miEdge takes the privacy of our Users very seriously, and we do not share, sell, rent, or otherwise provide your personally identifiable information to third parties for marketing purposes. Further, we will only share your personally identifiable information with third parties to carry out your instructions or to provide the Services or information unless compelled by law, or as necessary to enforce our User Agreement or protect the rights, property, or personal safety of miEdge, its Users, and the public. For example, we use a credit card processing company to bill Users for subscription fees. These third parties do not retain, share, or store any personally identifiable information except to provide these services, and they are bound by confidentiality agreements limiting the use of your information.

We may provide aggregated anonymous data about the usage of the Services to third parties for purposes that we deem, in our sole discretion, to be appropriate, including to prospective advertisers on miEdge.

D. Polls and Surveys. Polls and Surveys may be conducted by miEdge or third parties. As a User, you may be invited to participate in polls and surveys from the miEdge website. Your selection may be random, or it may be based on your non-personally identifiable information, such as producer type, geography, and/or target industry. Whether or not you decide to participate in a poll or survey is completely up to you.

After you complete a poll, you will be given access to the aggregate responses of the poll on a results page. Some third parties may target advertisements to you on the results page based on your answers in the poll.

We may use third parties to deliver incentives to you to participate in surveys or polls. If the delivery of incentives requires your contact information, you may be asked to provide personally identifiable information to the third party fulfilling the incentive offer, which will only be used for the purpose of delivering incentives and/or verifying your contact information. It is up to you whether you provide this information, or whether you desire to take advantage of an incentive.

We will not disclose any personally identifiable information to any third parties in connection with the conduct of any polls or surveys. Your consent to use any personally identifiable information for the purposes set forth in the poll or survey will be explicitly requested by the party conducting it. You may opt-out of participating in Surveys by contacting customer service to stop receiving these inquiries and requests.

E. Testimonials and Advertisements Placed through miEdge Ads Service. If you provide any testimonials about the miEdge Services, we may post those testimonials in connection with our promotion of these services to third parties. Testimonials may include your name and other personal information that you have provided.

F. Compliance with Legal Process. It is possible that we may need to disclose personal information, profile information and/or information about your activities as a miEdge User when required by subpoena or other legal process, or if miEdge has a good faith belief that disclosure is necessary to (a) investigate, prevent or take action regarding suspected or actual illegal activities or to assist government enforcement agencies; (b) to enforce the User Agreement, to investigate and defend ourselves against any third party claims or allegations, or to protect the security or integrity of our site; and/or (c) to exercise or protect the rights, property or personal safety of miEdge, our Users, employees, or others.

G. Disclosures to others. We may also disclose your personal information and other information you provide to another third party as part of a reorganization or a sale of the assets of miEdge, a subsidiary or division. Any third party to which miEdge transfers or sells miEdge's assets will have the right to continue to use the personal and other information that you provide to us.

3. YOUR INFORMATION CHOICES

A. Accessing and Changing Your Account Information. You can review the personal information you provided to us and make any desired changes to the information you publish, or to the settings for your miEdge account including your email and contact preferences, at any time by logging into your account on the miEdge website and accessing miAccount. Please be aware that even after your request for a change is processed, miEdge may, for a time, retain residual information about you in its backup and/or archival copies of its database.

B. Default Settings. miEdge has established what we believe to be reasonable default settings that most professionals desire. Because Users may use and interact with miEdge in a variety of ways, and because those uses may change over time, we designed our settings to provide our Users granular control over the information they share. We encourage our Users to review their account settings and adjust them in accordance with their preferences.

C. Closing Your Account. You can close your account by contacting miEdge customer service at This email address is being protected from spambots. You need JavaScript enabled to view it.. If you close your account, we have no obligation to retain your information, and may delete any or all of your account information without liability. However, we may retain certain data contributed by you if miEdge believes it may be necessary to prevent fraud or future abuse, or for legitimate business purposes, such as analysis of aggregated, non-personally identifiable data, account recovery, or if required by law. miEdge may also retain and use your information if necessary to provide the Services to other Users. miEdge disclaims any liability in relation to the deletion or retention (subject to the terms herein) of information or any obligation not to delete the information.

4. IMPORTANT INFORMATION

A. Children and Minors. Children are not eligible to use our Service and we ask that minors (under the age of 18) do not submit any personal information to us or use the Service.

B. Changes to this Privacy Policy. We may update this Privacy Policy at any time, with or without advance notice. In the event there are significant changes in the way we treat your personally identifiable information, or in the Privacy Policy document itself, we will display a notice on the miEdge website or send you an email, as provided for above. Unless stated otherwise, our current Privacy Policy applies to all information that miEdge has about you and your account.
Using the miEdge Services after a notice of changes has been sent to you or published on our Site shall constitute consent to the changed terms or practices.

5. SECURITY

In order to help secure your personal information, access to your data on miEdge is password-protected, and sensitive data (such as credit card information) is protected by SSL encryption when it is exchanged between your web browser and the miEdge website. To protect any data you store on our servers, miEdge also regularly audits its system for possible vulnerabilities and attacks, and we use a tier-one, secured-access data center. However, since the internet is not a 100% secure environment, we cannot ensure or warrant the security of any information you transmit to miEdge. There is no guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. It is your responsibility to protect the security of your login information.

6. HOW TO CONTACT US

If you have questions or comments about this Privacy Policy, please email us at: This email address is being protected from spambots. You need JavaScript enabled to view it.

or via mail or courier at:

IBIS, LLC, d/b/a miEdge
ATTN: Customer Service Department
326 Chestnut Hill Road
New Boston, New Hampshire 03070

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miEdge is the first tool we have found that can provide us real time 5500 data intelligence. The data is up to date and accurate so we feel confident using its dynamic search feature to find companies that may be out of compliance. As a UBA member firm, our partnership with miEdge is invaluable.
Trygve Halverson
Vice President, Granite Group Benefits
Customers Who Have the Edge...
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miEdge has been a life saver on time and energy to identify the right prospects in our area! It's up to date technology and sorting features makes it easy to track, identify, and develop the proper marketing strategy to land new business. We would highly recommend this system to all.
Bryan G. Yates
Business Serv & Dev Advisor, The Bagnall Company
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We have used FreeERISA, Judy Diamond and many others, but nothing compares to the user-friendly miEdge system. Their 5500 information is very accurate and updated regularly. We've found this gives us a distinct advantage when meeting with a prospect to discuss fees and whether they are in compliance. If you're considering purchasing a prospecting database, I would highly recommend you contact the miEdge team for an overview.
Tim Elkin
Regional Territory Executive, Vitals-SmartShopper
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Landmark Benefits has been using miEdge for a couple years and have found the product to be instrumental in our dramatic growth during this time.
Thomas M. Harte
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miEdge has allowed DeWitt Stern to focus its energy on the market segment that fits our service model. miEdge is not just a user friendly competitive data base, but a resource which enables us to create comprehensive client specific intelligence used in peer benchmarking. Our client and prospects appreciate the fact that we have taken the time to understand them before we meet. miEdge made the public 5500 data always available, usable in a dynamic, but accurate format. We look forward to growing with you.
Edmund J. White
Managing Director, DeWitt Stern Group Planning Services, LLC.
Customers Who Have the Edge...
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miEdge has been a game changer for prospecting! Easy to use, tons of search parameters, easily extractable data and great customer service. I can’t imagine doing without it! Thanks miEdge!

Michael Rider
Employee Benefits Insurance Agent, AssuredPartners NL
Customers Who Have the Edge...
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miEdge has been the most effective prospecting software I have ever used. I literally feel like I'm cheating every time I log in.
Anthony R. Cabana
Vice President-Benefits, Cross Insurance
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