Last updated: April 22, 2026
These Terms & Conditions apply to two related businesses:
By using either website, purchasing a digital product, requesting a life insurance quote, booking a call, or submitting a form, you agree to these Terms. Different sections apply depending on the service you use. If you do not agree, do not use the sites or services.
All products sold on go.k-ai365.com are digital goods (eBooks, prompt libraries, AI toolkits, templates, and related materials). Products are delivered electronically via email, download link, or member portal access after purchase.
All prices are listed in US Dollars (USD) and are one-time payments unless otherwise stated. Payment is processed securely through Stripe or GoHighLevel. You will receive a confirmation email upon successful payment.
Digital products are delivered immediately after purchase. You will receive access via email (download links or login credentials) typically within minutes. If you do not receive your product within 1 hour, check your spam/promotions folder and contact us at [email protected].
Due to the immediate access and digital nature of our products, all sales are final. We do not offer refunds or exchanges for any digital products purchased on this site.
Limited exceptions may apply in cases of technical issues preventing access to the product that are determined to be our fault. Contact us within 7 days at [email protected] and we will attempt to resolve the issue. If we are unable to resolve it, a refund may be issued at our discretion.
By completing your purchase, you acknowledge that you are purchasing a digital product with immediate access and you waive any statutory right to a cooling-off period.
All content, products, and materials sold by K-AI365 are protected by copyright. You are granted a personal, non-transferable license to use the purchased materials for your own personal or business use. You may not:
For products delivered via member portal, you are responsible for maintaining the security of your login credentials. Do not share your account access with others.
Up Planning Edge LLC is an independent insurance agency licensed in Texas (License #2211117). Joseph Neri is the responsible licensed producer. We are not affiliated with or endorsed by any specific insurance carrier. We do not provide legal, tax, or financial planning advice unless a separate written engagement exists.
Content on go.upplanningedge.com, upplanningedge.com, and related materials — including articles, videos, emails, and social-media posts — is for general educational purposes only. It is not individualized financial, legal, or tax advice. You should consult a licensed professional for advice specific to your situation.
Any examples of savings, premium amounts, cash value growth, policy-loan benefits, or similar illustrations are for illustration only. They are not guarantees of future results. Individual outcomes depend on the specific policy, carrier, underwriting, contributions, time, and other factors.
By providing your phone number, you consent to receive SMS messages from Up Planning Edge LLC about your quote, application, appointments, and related matters. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for help. Your consent to receive text messages is not a condition of obtaining a quote or applying for coverage.
Any income or results mentioned in our products, materials, or marketing are not guarantees. Results depend on individual effort, skill, market conditions, carrier underwriting, and other factors. We make no promises about specific financial outcomes from using our products or services.
Neither K-AI365 nor Up Planning Edge LLC is liable for any indirect, incidental, or consequential damages arising from the use or inability to use our products or services. Our total liability to you shall not exceed (a) the amount you paid for the digital product in question, if any, or (b) $100, whichever is greater.
We reserve the right to update these Terms at any time. Changes take effect upon posting to this page. Continued use of our products and services constitutes acceptance of the updated Terms.
This site is not a part of the Facebook/Meta website or Meta Platforms, Inc. Additionally, this site is not endorsed by Meta in any way. FACEBOOK and META are trademarks of Meta Platforms, Inc.
These Terms are governed by the laws of the State of Texas. Any disputes shall be resolved in the state or federal courts located in Harris County, Texas.
For questions about these Terms, contact us at:
Up Planning Edge LLC / K-AI365
7055 Old Katy Rd, Suite 1008
Houston, TX 77024
[email protected]
832-793-9509