Advisor & Agency Terms & Conditions

Your terms and conditions show up in four client-facing places: proposals, invoices, service agreements, and card authorizations. JourneyFuse resolves which terms to use the same way in all four, so an advisor manages their language once and it stays consistent everywhere.

There are two levels of terms:

• Agency terms — your workspace default, set by an owner or admin. Used by everyone on the team unless an advisor overrides it.
• Advisor terms — an individual advisor's personal terms, which replace the agency default on the documents they create.

Agency Terms (Owner / Admin)

Go to Settings → Agency & Branding → Defaults → Terms & Conditions (Settings → My Business → Terms & Conditions if you are a solo advisor).

• Terms blocks — reusable named pieces of legal text (payment authorization, cancellation policy, travel insurance, etc.). Flag the blocks that should be your default and they're combined, in order, into your agency-wide terms.
• Terms & Conditions URL — optionally link to a terms page instead of rendering the block text inline.
• Auto-include — attach your default terms to every new proposal and invoice automatically.
• Require acceptance — make clients confirm the terms (checkbox or typed signature) before paying or accepting.
• Default travel insurance decline wording — the acknowledgement a client checks when they decline optional travel insurance. Set it once here to match your terms, and every new proposal starts with this wording. A proposal created before you set it, and never given wording of its own, uses it too, so you do not have to go back and retype it. You can still tweak it on an individual proposal's Travel Insurance section. Owners and admins can also type wording there and click Save as agency default to make it the default without leaving the proposal. Other advisors on the team can click Save as my default there instead, which starts only their own new proposals with that wording (see Proposal Checkout).
• Default card authorization terms — lives under Settings → Payments. See Card Authorizations for how it reaches every authorization, including the ones a proposal creates.

Whether the agency default appears also depends on the document’s terms switch and the advisor inheritance setting below. Auto-include is a starting setting for new proposals and invoices; it does not turn terms on for existing documents.

Advisor Terms (Each Team Member)

Any team member can set personal terms under Settings → Profile → My Terms & Conditions. Lite advisors set theirs in the advisor portal under My Profile → My Terms & Conditions.

• Add your terms text and, optionally, a link to your full terms page.
• Once set, your terms replace the agency default on the proposals, invoices, service agreements, and card authorizations you create — they don't affect anyone else's documents.
• Use Clear to remove your personal terms and go back to the agency default.

This is ideal for teams where advisors operate under their own brand or legal entity and need their own language on client documents.

Host Agencies: Control Whether Advisors Inherit Your Terms

If your agency terms name your agency or assert that the advisor is doing business on your behalf, those terms may not be appropriate for independent (1099) advisors. You can stop them from inheriting your agency terms.

Go to Settings → Agency & Branding → Defaults → Terms & Conditions and find Advisor terms & conditions:

• Inherit agency terms — advisors fall back to your agency default when they haven't set their own. This is the standard behavior.
• Their own only — advisors use their own terms or none at all. Your agency terms never appear on their proposals, invoices, or service agreements.

Owners and admins always keep the agency terms on their own documents, since those describe the agency itself.

When Their own only is set, an advisor who hasn't added personal terms will see a blank terms area, and the Send action on a service agreement is disabled until they add their own language — so nothing is sent without terms in place.

How a Document Decides Which Terms to Use

For every proposal, invoice, service agreement, and card authorization, the terms are resolved in this order:

1. The advisor's personal terms, if they've set any.
2. Otherwise, the agency default — unless the workspace is set to Their own only and the advisor is not an owner or admin, in which case no agency terms are applied.

Do not assume that creating or sending a document freezes every default. Choosing a named terms set or editing a document’s terms stores text for that document. A document still using the agency default can continue reading the shared wording. Before changing shared terms, review existing client-facing documents that use them. Acceptance records and document display are separate: a recorded acceptance does not by itself mean the displayed default text has been frozen.

A Note on Forms

Intake forms with a signature/consent field set to use the agency terms stay tied to the agency, because that consent is configured on the form template itself rather than on an advisor's document. If you use the Their own only option and also collect signed consent through forms, set that consent text on the form directly.

Summary

Related

• Invoice Terms & Conditions — agency vs. supplier terms and per-invoice overrides
• Creating Proposals — building and sending proposals
• Roles & Permissions — owner, admin, agent, and external advisor roles
• Workspace & Agency Settings — configuring your workspace defaults