Terms of Service

Effective August 10, 2026. These Terms replace all prior versions.

These Terms of Service (the “Terms”) form a binding contract between H Holdings Group LLC (“InsureLeads”, “we”, “us”) and the business that registers an account, places an order, or otherwise uses our services (“you”, “Buyer”). Read section 12 (your compliance obligations), section 17 (disclaimers), section 18 (indemnification), section 19 (limitation of liability) and section 21 (arbitration and class-action waiver) carefully. They limit our liability, allocate legal risk to you, and change how disputes are resolved.

1. Acceptance and eligibility

1.1 Acceptance.You accept these Terms by creating an account, funding a wallet, placing an order, accepting a delivered lead, subscribing to the CRM, or engaging any service we offer — whichever happens first. If you do not accept these Terms, do not do any of those things.

1.2 Business use only. Our services are sold business-to-business, to licensed insurance producers, agencies, IMOs, FMOs, call centres and their authorised vendors. They are not offered to consumers, and you are not purchasing for personal, family or household purposes. Consumer-protection statutes that apply only to consumer transactions do not apply to this agreement.

1.3 Eligibility. You represent that you are at least 18, that you are organised and operating in the United States, and that you hold every insurance producer licence, appointment and registration required in each state where you will contact, solicit or sell to the individuals in our Lead Data. You must maintain those licences for as long as you hold Lead Data.

1.4 Authority.If you accept these Terms for an organisation, you represent that you are authorised to bind that organisation, and “you” means both you and that organisation.

1.5 Sanctions and export. You represent that you are not located in, and are not owned or controlled by a person located in, a country or territory subject to comprehensive U.S. sanctions, and that you do not appear on any U.S. government restricted -party list, including the OFAC Specially Designated Nationals list.

2. Definitions

• Lead Data— the record of an individual who submitted an insurance enquiry, including their contact details, the answers they gave, and the consent artefacts captured at submission.
• Exclusive Lead— Lead Data delivered to one Buyer and not resold by us to another Buyer.
• Live Transfer— a telephone call with an individual, warm -transferred to you. Sold in two distinct products: interest-verified transfers, and pre-vetted / partially-underwritten transfers.
• Aged Lead— Lead Data captured previously, sold as-is, which may have been delivered to other buyers before.
• Campaign— a prepaid lead-generation engagement, comprising setup and a delivery cycle, purchased as a budget rather than a fixed lead count.
• Services— done-for-you engagements such as appointment setting, SEO and website work, virtual assistants, and white-label lead delivery.
• CRM— the InsureLeads CRM application at app.getinsureleads.com, on its Free or Pro plan.
• Wallet— the prepaid account balance from which delivered leads are debited.
• Order Confirmation— the written confirmation, invoice, statement of work or in-app order record for a specific purchase. Where an Order Confirmation and these Terms conflict on a commercial term, the Order Confirmation controls for that order only.

3. Accounts, users and authority

3.1 Accurate information. You must give accurate registration, billing and licensing information and keep it current. We may verify it, including your producer licence status, and may suspend an account pending verification.

3.2 Credentials. You are responsible for all activity under your account and for keeping credentials, API tokens and webhook secrets confidential. Tell us immediately at [email protected] if you suspect unauthorised access. We are not liable for loss arising from your failure to secure credentials.

3.3 Sub-accounts and seats. Where you add producers, sub-accounts or team members, you are responsible for their acts and omissions as if they were your own, and you must ensure each of them complies with these Terms.

3.4 One account. You may not open multiple accounts to evade a suspension, a return-rate review, pricing tiers or a payment obligation.

4. What we provide

4.1 Per-lead products. Exclusive real-time web leads, contact-verified leads, Live Transfers, preset appointments and Aged Leads, priced per unit as published on the pricing pageor as quoted to you. Live Transfers are sold as two distinct products at different prices and different screening depths — interest-verified transfers, and pre-vetted (partially underwritten) Final Expense transfers. Which product an order covers is stated on your Order Confirmation.

4.2 Prepaid campaigns. A Campaign buys a campaign cycle and budget, not a fixed lead count. Delivered volume depends on market cost per lead, state, vertical, seasonality and campaign performance. We will state a cost-per-lead band before you commit. We will not guarantee a hard number of leads, and no statement by any representative of ours should be read as doing so.

4.3 Done-for-you Services. Scope, deliverables, fees and duration are set out in the applicable Order Confirmation or statement of work. Services are month-to-month unless the Order Confirmation says otherwise.

4.4 CRM. The CRM is offered on a Free plan and a paid Pro plan billed per user per month. Pro is included at no additional charge while your organisation has an active Campaign; if that Campaign ends and you have no paid subscription, the organisation returns to the Free plan and Pro features stop. See CRM pricing.

4.5 API and webhooks. Programmatic delivery is provided as-is and may change. We will make reasonable efforts to give notice of breaking changes. Rate limits apply and may be enforced without notice to protect platform stability.

4.6 No insurance advice; no agency. We are not an insurance carrier, agency, broker or producer, and we do not solicit, negotiate or sell insurance. We generate and deliver enquiry data and provide marketing and software services. Nothing in this agreement creates a partnership, joint venture, franchise, employment or agency relationship between us, and neither party may bind the other.

5. Orders and order acceptance

5.1 Formation.An order is an offer by you. It is accepted when we confirm it in writing, or when we begin delivery, whichever is earlier. We may decline or cancel any order, in whole or in part, for any lawful reason — including capacity, suspected fraud, sanctions screening, licensing gaps, compliance concerns or non-payment history. If we decline an order you have already paid for, we refund the amount for the declined portion.

5.2 Filters and targeting.You are responsible for the accuracy of the filters you set — states, vertical, age bands, volume caps, delivery schedule and routing endpoints. Leads matching the filters you set are correctly delivered even if you later decide the filters were wrong.

5.3 Delivery.Delivery is to the destination you configure — email, webhook, API, CRM or telephone. A lead is delivered when we transmit it to your configured destination. Failures caused by your endpoint being down, misconfigured, rejecting our traffic, or filtering our mail are not delivery failures on our side, though we will work with you in good faith to re-deliver.

6. Pricing, wallet, taxes

6.1 Prices. Prices are in U.S. dollars and are those published or quoted at the time your order is accepted. Published prices may change prospectively at any time; a change never applies retroactively to leads already delivered or to a Campaign cycle already paid for.

6.2 Prepaid wallet. Lead buying is prepaid. You fund a Wallet and each delivered lead is debited from the balance in real time. Each product carries a minimum order, published on the pricing page, and a reload must at least meet the minimum order for the product you are buying. Wallet funds are a prepaid balance for our products, not a deposit account: they earn no interest, are not insured, and are not transferable to another account holder. Refund of unused Wallet funds is governed by the Refund Policy.

6.3 Auto-reload authorisation. If you switch on auto-reload, you authorise us to charge your stored payment method for the reload amount you set, each time your balance falls below the threshold you set, until you switch it off in your account settings. Auto-reload is opt-in, and switching it off takes effect immediately for future reloads.

6.4 Setup fees and minimum orders.À-la-carte per-lead buying carries no setup fee, no platform fee, no monthly service fee and no recurring spend commitment — you are never charged a setup fee, a service fee and a per-lead fee for the same product. Each product does carry a minimum order value, published on the pricing page; a minimum order is a per-order floor, not a subscription or a monthly commitment, and you are under no obligation to order again. Prepaid Campaigns are different: the Campaign budget includes a setup and campaign-launch component covering targeting, landing-page build, consent capture and routing. That component is non-refundable once work begins, because it is spent on build and media before any lead exists. Any bespoke engineering work outside our standard integrations is quoted and approved in writing before it starts.

6.5 Taxes. Prices exclude taxes. You are responsible for all sales, use, gross-receipts, VAT and similar taxes arising from your purchase, except taxes on our net income. Where we are required to collect a tax, we add it to your invoice. If you are exempt, give us a valid exemption certificate before ordering.

6.6 Records. We generate a record for each transaction in your dashboard. You are responsible for your own tax reporting; your spend with us is a vendor expense, and we do not issue you a 1099.

7. Payment, failed payment, chargebacks

7.1 Payment methods.Card payments are processed by our payment processor. We do not store full card numbers on our servers. Your use of a payment method is also subject to that provider’s terms.

7.2 Authorisation. You authorise us to charge your selected payment method for all amounts you incur, including subscription renewals, authorised auto-reloads and agreed Service fees.

7.3 Failed or late payment. If a payment fails or an invoiced amount is past due, we may suspend delivery, suspend access to the CRM, and retry the charge. Undisputed amounts more than 30 days past due may accrue interest at the lower of 1.5% per month or the maximum permitted by law, and you are responsible for reasonable costs of collection, including legal fees.

7.4 Chargebacks. If you believe a charge is wrong, you must contact us first at [email protected] and give us a reasonable opportunity to investigate. Initiating a chargeback or payment dispute without first contacting us is a material breach of these Terms. On such a chargeback we may immediately suspend or terminate your account, stop delivery, and declare all outstanding amounts due. Where a chargeback is resolved in our favour, you are responsible for the amount charged back plus any fee our processor levies on us. Nothing here waives any right you have under card-network rules or applicable law; it sets the order in which we expect problems to be raised.

7.5 Set-off. We may apply any credit, Wallet balance or amount otherwise owed to you against any amount you owe us.

8. Subscriptions and automatic renewal

8.1 Automatic renewal. CRM Pro is a subscription. It bills per user per month and renews automatically at the end of each billing period, at the then-current rate, charged to your payment method on file, until you cancel. By subscribing you authorise those recurring charges.

8.2 Cancelling.You may cancel at any time from your account’s billing settings, or by emailing [email protected]. Cancellation takes effect at the end of the billing period you have already paid for. You keep paid access until then, and the organisation moves to the Free plan afterwards. There is no cancellation fee, and refunds are governed by the Refund Policy.

8.3 Seats. Adding seats mid-period is charged for that period as your subscription terms provide. Removing seats takes effect at the next renewal.

8.4 Non-payment grace. If a subscription payment fails, we may keep paid features available for a short grace period while we retry, then downgrade the organisation to the Free plan. Data is retained per section 20.4.

8.5 Price changes.We may change subscription pricing with at least 30 days’ notice by email before the change takes effect at your next renewal. Continuing after that date is acceptance; if you do not accept, cancel before the renewal.

9. Lead quality, returns and replacement

9.1 What we commit to.We commit to lead exclusivity as sold, to consent documentation captured at the point of submission, and to the replacement policy below. We make no commitment as to any individual’s interest, honesty, reachability, insurability or willingness to buy.

9.2 Replacement grounds.We replace or credit Lead Data with invalid contact information — a disconnected or wrong number, an undeliverable email, a duplicate of a lead we previously delivered to you within the preceding 90 days, or a lead outside the state, vertical or age band your order specified. The full policy, including the complete list of what does not qualify, is published at lead replacement policy and refund policy, both incorporated into these Terms by reference.

9.3 Return window. Returns must be submitted within the return window stated on your Order Confirmation. Where an Order Confirmation is silent, the window is 72 hours from delivery. A return submitted after the applicable window is not eligible, regardless of merit.

9.4 Remedy. The remedy for an approved return is a replacement lead of the same type, or an account credit at the full original price, at our election. This is your sole and exclusive remedy for lead quality, and it is a credit remedy rather than a cash refund except where the Refund Policy expressly provides otherwise.

9.5 Abuse. Returns are for data defects. Systematically returning leads that did not convert, submitting returns without a good-faith basis, or an abnormal return rate may trigger an account review and, if it continues, suspension, loss of auto-approval, or termination.

9.6 Exclusivity and aged data. Exclusive Leads and Live Transfers are delivered to a single Buyer and are not resold by us. This is a commitment about our own conduct: we do not control whether an individual independently submitted an enquiry to another vendor, contacted another agent, or is already working with someone. Aged Leads are labelled as aged, are sold as-is, and may have been delivered to other buyers previously.

9.7 Live Transfers.Interest-verified transfers are screened for interest, age and state; they are not underwritten. Pre-vetted transfers additionally include health and medication screening and tier determination. Billing rules for a transfer — including the qualification window during which you may decline a transfer that fails the agreed criteria without being charged — are stated in your Order Confirmation and in the Refund Policy.

10. No guarantee of results

11. Licence to use Lead Data

11.1 Grant. On payment, we grant you a limited, non-exclusive, non-transferable, revocable licence to use the Lead Data delivered to you for the sole purpose of lawfully marketing and selling insurance products for which you are licensed, in your own name or the name of the agency identified on your account.

11.2 Prohibited uses. You may not resell, sublicense, syndicate, trade, rent, share, broker or otherwise transfer Lead Data to any third party. You may not use it to build or enrich a database you monetise, to train a machine-learning model, to market non-insurance products, or for any credit, employment, tenancy, insurance-underwriting or other purpose regulated by the Fair Credit Reporting Act. Downstream carriers, IMOs and your own sub-producers may receive Lead Data only to the extent strictly necessary to write the business, and only under obligations at least as protective as these Terms.

11.3 White-label. Where you buy white-label delivery, the permitted scope, branding and downstream distribution are defined in the Order Confirmation and override 11.2 only to the extent expressly stated there.

11.4 Revocation. The licence terminates automatically if you breach these Terms, if a payment for that Lead Data is reversed, or if the individual withdraws consent. On termination you must stop contacting the individuals concerned, except where you have an independent, lawful basis to continue.

12. Your compliance obligations

This section is the heart of the risk allocation in this agreement. We supply data with documented consent; you are solely responsible for how you contact the people in it. We have no control over your dialler, your scripts, your hours, your staff, or your carriers, and we do not supervise your calling.

12.1 Telephone and text. You will comply with:

• the Telephone Consumer Protection Act and the FCC’s implementing rules, including the rules on prior express written consent, automatic telephone dialling systems, prerecorded and artificial voice messages, and AI-generated voice;
• the FTC Telemarketing Sales Rule, including the abandoned-call and caller-ID rules;
• the federal Do Not Call Registry, all applicable state DNC lists, the Wireless DNC registry, and your own internal do-not-call list, which you must maintain and honour;
• calling-time restrictions under federal law and under the law of the state where the called party is located, whichever is more restrictive;
• state telemarketing and “mini-TCPA” statutes, including any registration, bonding, filing or disclosure requirements those states impose on you;
• call-recording and monitoring law, including all-party-consent states;
• revocation of consent: you must honour any request to stop contact, in any reasonable manner and through any reasonable channel, promptly and across all channels.

12.2 Email and messaging. You will comply with CAN-SPAM, applicable state email law, and carrier and CTIA messaging requirements, including 10DLC registration for application-to-person SMS. We do not register your messaging campaigns for you.

12.3 Medicare. If you market Medicare products you will comply with all CMS marketing and communications requirements, including the Scope of Appointment rules, the required disclaimers, permission-to-contact rules, call recording and retention requirements, and any carrier-specific rules applicable to you.

12.4 Licensing. You will hold and maintain every producer licence, carrier appointment and state registration required for the business you write, and you will not work Lead Data in a state where you are not licensed.

12.5 Data handling. You will protect Lead Data with reasonable administrative, technical and physical safeguards; will use it only for the licensed purpose; will comply with all applicable privacy laws in your own right, including state consumer-privacy statutes and, where applicable, the Gramm-Leach-Bliley Act and HIPAA; will honour privacy and deletion requests you receive; and will retain consent records for at least the applicable limitations period.

12.6 Suppression requests. If we notify you that an individual has withdrawn consent, requested deletion, or must otherwise be suppressed, you will suppress that individual across your systems within five business days and confirm on request.

12.7 No compliance advice.Nothing we publish, say, or supply — including consent certificates, scrubbing, this website’s educational content, or any conversation with our staff — is legal advice or a legal opinion, and none of it is a defence you may rely on. You must take your own legal advice on your calling programme. Consent documentation evidences what an individual did at the point of submission; it does not certify that any particular later contact by you is lawful.

13. Acceptable use and restrictions

You will not, and will not permit anyone to:

• use the services for any unlawful, deceptive or fraudulent purpose, or to market products you are not licensed to sell;
• misrepresent your identity, your licence status, your carrier appointments, or your affiliation with us, any carrier, or any government programme;
• copy, scrape, crawl, mirror, frame or systematically extract content from our sites or applications, or bypass rate limits, authentication or access controls;
• reverse engineer, decompile or attempt to derive source code from our software, except to the extent that restriction is unenforceable by law;
• probe, scan, load-test or attack our infrastructure, or interfere with its operation or with other customers’ use of it;
• upload malware, or transmit data you have no right to transmit;
• use the services to build or assist a competing lead-generation product, or to benchmark for a competitor;
• contact any individual in the Lead Data other than for the licensed purpose, or attempt to circumvent us to source directly from a publisher or partner we introduced you to;
• seed, trap or plant records to manufacture a claim against us.

We may investigate suspected violations, and may suspend access immediately where we reasonably believe continued access risks harm to individuals, to us, to other customers, or to our infrastructure or standing with a provider.

14. Data protection roles

14.1 Independent roles.For Lead Data, each party acts as an independent controller (or “business”) in respect of its own processing. We are responsible for our collection and delivery; you become independently responsible for the Lead Data from the moment it is delivered to you, including for your own privacy notices, rights handling, retention and security.

14.2 CRM data. Where you upload or store your own contacts and business records in the CRM, we process that data on your behalf and under your instructions as a service provider / processor. We will not sell it, and will not use it for our own marketing purposes.

14.3 Data processing terms. A data processing addendum is available on request at [email protected]. Where executed, it forms part of these Terms.

14.4 Our privacy practices. Described in the Privacy Policy, which is incorporated into these Terms by reference.

15. Third-party services

The services interoperate with third parties — among them our payment processor, hosting and database providers, email delivery, calendar providers, scheduling tools, consent-certification vendors, and telephony you connect yourself. Those services are governed by their own terms and privacy policies. We are not responsible for their availability, acts, omissions, pricing or changes, and an outage or change at a third party is not a breach of these Terms by us. Where you connect your own telephony or messaging account, you are the customer of that provider and bear its charges and its compliance obligations.

16. AI-assisted features

Some features use AI models to draft messages, summarise records or suggest next actions. Output is generated by statistical models and may be inaccurate, incomplete or unsuitable. AI drafting defaults to draft mode: you are responsible for reviewing, editing and approving any AI-assisted content before it is sent, and for ensuring it complies with section 12, with carrier and CMS rules, and with advertising law. Do not rely on AI output as legal, compliance, financial or insurance advice. Compliance checks built into the product — consent, DNC and quiet-hours gating — are assistive tools, not a guarantee of compliance, and do not shift responsibility under section 12 away from you.

17. Disclaimer of warranties

18. Indemnification

18.1 Your indemnity. You will defend, indemnify and hold harmless H Holdings Group LLC, its affiliates, and their officers, directors, employees, contractors and agents from and against any claim, demand, action, investigation, proceeding, loss, liability, damage, fine, penalty, settlement, cost and expense (including reasonable legal fees) arising out of or relating to:

• your contact with, or marketing or sale to, any individual in the Lead Data, including any claim under the TCPA, the Telemarketing Sales Rule, any state telemarketing or mini-TCPA statute, any DNC rule, CAN-SPAM, or any call-recording law;
• your breach of these Terms, including section 11 (licence), section 12 (compliance) and section 13 (acceptable use);
• your violation of any law, or of any carrier, CMS or card-network requirement;
• your products, services, representations, advertising or sales practices;
• your handling, storage, transfer or disclosure of Lead Data after delivery, including any security incident affecting it while in your control;
• any dispute between you and an individual, a carrier, an IMO, a sub-producer, a downstream buyer or a regulator.

18.2 Procedure. We will notify you of a claim, though a delay in notice relieves you only to the extent it prejudices you. You will not settle any claim in a way that imposes any obligation or admission on us without our prior written consent. We may participate in the defence with our own counsel at our own expense, and may assume control of the defence if we reasonably conclude your defence is inadequate or conflicted, in which case your indemnity obligation continues.

18.3 Survival. This section survives termination.

19. Limitation of liability

20. Term, suspension and termination

20.1 Term.These Terms apply from your first use until terminated. Lead buying is month-to-month: no annual contract, no minimum term, no cancellation fee, no reactivation fee. Optional volume commitments, where you opt into one, are cancellable on 30 days’ notice.

20.2 Termination by you. You may stop ordering at any time and close your account by emailing [email protected]. A prepaid Campaign runs to the end of its cycle; you may decline to renew.

20.3 Suspension and termination by us.We may suspend or terminate your access, an order, or these Terms immediately, with or without notice, if you breach these Terms; if we reasonably suspect fraud, misuse of Lead Data, or unlawful calling; if a payment fails, is reversed or is charged back; if required by law, a regulator, a card network or a critical provider; or if your conduct exposes us or individuals in the Lead Data to legal risk. We may also terminate for convenience on 30 days’ notice, in which case we refund any prepaid amounts for undelivered products.

20.4 Effect of termination. Your licence under section 11 ends, access to the CRM ends, and all outstanding amounts become immediately due. Wallet balances are handled under the Refund Policy. You may export your CRM data before termination and, on request made within 30 days after termination, we will make a reasonable effort to provide an export, except where the account was terminated for fraud or unlawful conduct. After that period, data may be deleted in the ordinary course.

20.5 Survival. Sections 2, 6.5, 6.6, 7, 9.4, 10, 11.2, 11.4, 12.5, 12.6, 13, 14, 17, 18, 19, 20.4, 20.5, 21, 22 and 23 survive termination, together with any other provision that by its nature should survive.

21. Dispute resolution, arbitration, class waiver

21.1 Informal resolution first. Before starting any proceeding, the party with the complaint must send a written notice describing the dispute and the relief sought to [email protected] (or, to you, at your account email). The parties will negotiate in good faith for 30 days. This step is a condition precedent to arbitration.

21.2 Binding arbitration. Any dispute arising out of or relating to these Terms or the services that is not resolved under 21.1 will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Sheridan, Wyoming (proceedings may be conducted by video). The Federal Arbitration Act governs the interpretation and enforcement of this section. Judgment on the award may be entered in any court of competent jurisdiction. Each party bears its own legal fees unless the arbitrator awards them where permitted.

21.4 Carve-outs. Either party may bring an individual claim in small claims court, and either party may seek temporary or permanent injunctive relief in court to protect intellectual property, confidential information, or to stop unauthorised access or misuse of Lead Data, without first completing 21.1 or 21.2.

21.5 Time limit. Any claim must be brought within one year after it arises, or it is permanently barred, except where a shorter or longer period is required by law.

22. Governing law and venue

These Terms are governed by the laws of the State of Wyoming, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods. For any matter not subject to arbitration under section 21, the parties submit to the exclusive jurisdiction of the state and federal courts located in Sheridan, Wyoming, and waive any objection to venue or forum non conveniens.

23. General provisions

23.1 Entire agreement. These Terms, together with the Privacy Policy, the Refund Policy, the Lead Replacement Policy, and any Order Confirmation or statement of work, are the entire agreement between the parties and supersede all prior proposals, discussions and representations. Any purchase order or pre-printed terms you issue have no effect.

23.2 Order of precedence. A signed agreement between us controls first; then the Order Confirmation for the order in question; then these Terms; then the linked policies.

23.3 Amendment; no waiver. Except as allowed under section 24, these Terms may be amended only in writing signed by both parties. Failure to enforce a provision is not a waiver of it.

23.4 Severability. If a provision is held unenforceable, it is modified to the minimum extent necessary to make it enforceable, or severed, and the rest remains in force.

23.5 Assignment. You may not assign these Terms, by operation of law or otherwise, without our prior written consent. We may assign them to an affiliate or in connection with a merger, reorganisation, or sale of assets. Any attempted assignment in breach is void.

23.6 Notices. We may give notice by email to your account address, by in-app message, or by posting to this site. You give notice by email to [email protected]. Notices are effective on the next business day after sending.

23.7 Electronic contracting. You consent to transact electronically and agree that electronic records and signatures satisfy any requirement for a writing or signature.

23.8 Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, epidemic, labour action, utility, internet or carrier failure, cyber-attack, or government action. Payment obligations are not excused.

23.9 Confidentiality.Each party will protect the other’s non-public business information disclosed in connection with these Terms with at least reasonable care, use it only to perform under these Terms, and disclose it only to those who need it and are bound to equivalent obligations. This does not cover information that is public through no fault of the recipient, independently developed, or lawfully received from a third party, and does not prevent disclosure required by law, provided the disclosing party is given notice where lawful.

23.10 Intellectual property. We retain all rights in our sites, software, content, trademarks and know-how. Nothing in these Terms transfers any of it to you other than the limited licences expressly granted. You may not use our name or marks without our prior written consent, except to state factually that you buy leads from us.

23.11 Feedback. If you send us suggestions, we may use them without restriction or obligation to you.

23.12 Publicity. We will not use your name or logo as a customer reference without your prior written consent.

23.13 No third-party beneficiaries. These Terms create no rights in any third party, except that section 18 benefits the indemnified parties named in it.

23.14 Interpretation.Headings are for convenience only. “Including” means “including without limitation”. These Terms will not be construed against the drafting party.

23.15 U.S. only. The services are offered from the United States for use in the United States. If you access them from elsewhere, you do so on your own initiative and are responsible for compliance with local law.

24. Changes to these Terms

We may update these Terms. For a material change we will give at least 30 days’ notice by email to your account address or by prominent notice in the application, and the change takes effect on the stated date. Changes apply prospectively; they do not change the terms of an order already accepted. Continuing to use the services or placing a new order after the effective date is acceptance. If you do not accept, stop using the services and close your account before that date. Non-material changes, such as clarifications or contact details, take effect on posting. The effective date at the top of this page always reflects the current version.

25. How to reach us

InsureLeads is an online business and does not operate a walk-in location. The address above is our registered address for legal notices.

Related pages

• Privacy Policy
• Refund & Cancellation Policy
• Lead Replacement Policy
• How We Source Leads
• Pricing
• Contact Us