Scout Terms of Use
Draft version: WorldOS Scout Terms v1 · August 24, 2026
1. Program Relationship
The WorldOS Scout Network is a performance-based independent contractor referral program supported by WorldOS technology. Participation does not create an employee, agency, partnership, franchise, joint venture, or guaranteed-income relationship. Scouts control when and how they perform permissible referral and relationship-building activity, subject to these Terms, the Scout agreement, applicable law, and program rules.
2. No Insurance Sales Authority
Scouts are not authorized to act as licensed Medicare insurance agents unless separately licensed and expressly authorized by Legacy Insurance Group. A Scout may not recommend plans, compare plan benefits, provide insurance advice, make enrollment recommendations, complete insurance applications, represent that they are a licensed Legacy agent, or engage in other activity requiring an insurance license. Medicare-specific advice, plan discussions, and enrollment services are handled by Legacy Insurance Group and its licensed insurance professionals.
3. Permitted Referral Activity
Scouts may introduce people who request Medicare assistance, identify and recruit approved business referral relationships, and invite other prospective Scouts to explore the WorldOS Scout Network. Scouts must use approved WorldOS forms, links, QR codes, disclosures, and workflows when recording or transmitting referral activity.
4. Permission to Call
When a Scout submits beneficiary information on the beneficiary's behalf, the Scout must have spoken directly with that person and must have received the person's permission for Legacy Insurance Group to call regarding Medicare assistance. The appointment date and time submitted must have been provided or approved by the beneficiary. A Scout may not submit a person who has not directly given that permission. WorldOS may record the submitting Scout, timestamp, acknowledgment version, and related audit information.
5. Business Partner Permission
A Scout may enter a business relationship into WorldOS only after the business contact has agreed to participate in the WorldOS Referral Network and has permitted the Scout to provide the required business contact information. Business Partners remain subject to their own referral program terms and consent requirements.
6. Compensation
Scout compensation is performance-based and is not guaranteed. Current program examples may include different amounts for qualifying direct referrals, qualifying activity generated by approved Business Partners, and qualifying activity generated by Scouts personally recruited by the Scout. Final eligibility, classification, payment timing, amounts, reversals, and documentation requirements are governed by the current Scout agreement and approved program schedule. WorldOS displays tracked and eligible compensation for convenience but does not itself guarantee payment.
7. Direct Scout Team Builder
A Scout may personally recruit multiple Scouts. Team Builder attribution is limited to the direct recruiting relationship unless Legacy expressly changes the written program. There is no multi-level downline compensation. A Scout does not earn compensation from second-generation or deeper Scout activity merely because those Scouts descend from the original recruiting relationship.
8. Attribution
WorldOS uses Scout, Business Partner, and referral identifiers to attribute activity. Attribution may depend on the originating Scout link, authenticated Scout account, Business Partner record, or other system evidence. Legacy may review and correct duplicate, fraudulent, conflicting, or technically erroneous attribution.
9. Account Security
Approved Scouts receive individual WorldOS access to Referral World. Login credentials are personal and may not be shared. Scouts must protect account credentials and promptly report suspected unauthorized access. Scouts may access only their own permitted Referral World information.
10. Acceptable Conduct
Scouts may not use deceptive statements, misleading earnings claims, harassment, spam, unlawful solicitation, false identities, purchased or improperly obtained personal information, or any method prohibited by law or program policy. Scouts may not promise a Medicare plan outcome or imply government endorsement.
11. Privacy and Data
Scouts must collect and submit only information reasonably necessary for the approved referral workflow and only with the required permission. Use of WorldOS is also subject to the WorldOS Scout Privacy Policy. Beneficiary information may not be copied, retained, sold, reused, or disclosed outside the approved referral process.
12. Program Changes and Termination
Legacy Insurance Group may update program rules, compensation schedules, qualifying events, technology, or these Terms prospectively, subject to applicable agreements and law. Scout access may be suspended or terminated for misuse, compliance concerns, fraud, inactivity, security issues, or violation of program terms. Earned compensation remains subject to the governing Scout agreement and final eligibility review.
13. No Earnings Guarantee
Examples shown in WorldOS are illustrative only. Actual results vary based on activity, relationships, qualifying referrals, enrollment outcomes, program rules, geography, seasonality, and other factors. No minimum income, recurring income, residual income, referral volume, or business success is promised.
14. Governing Documents
If these Terms conflict with a signed Scout independent contractor agreement, approved compensation schedule, compliance directive, or applicable law, the controlling agreement, directive, or law governs.