Terms and Conditions

Effective Date: May 4, 2026

Welcome to Insurance Lead Company LLC. These Terms and Conditions govern your access to and use of our website, services, and platform. By accessing or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access or use our services.

1. Introduction

Insurance Lead Company LLC ("we," "us," or "our") operates as an advertising and lead generation agency specializing in final expense insurance. We provide business-to-business (B2B) services to licensed insurance professionals, including agents, agencies, and call centers.

These Terms and Conditions apply to all users of our website and services, including but not limited to business clients, prospective clients, and website visitors. By using our platform, you represent that you are a licensed insurance professional or an authorized representative of a business entity seeking our services.

2. Description of Services

Insurance Lead Company LLC provides lead generation and advertising services specifically for the final expense insurance market. Our services include:

• Generating consumer inquiries for final expense insurance through compliant advertising channels
• Delivering qualified leads to licensed insurance professionals who have contracted with our platform
• Providing account management tools and real-time notifications related to lead delivery
• Offering customer support and platform access to our business clients

We operate as an intermediary that connects consumers seeking insurance information with licensed insurance professionals. We do not sell insurance products, provide insurance advice, or act as an insurance agent or broker. All insurance products and services are provided by licensed professionals who maintain their own independent relationships with consumers.

We do not sell, rent, or share your personal information with third parties for marketing purposes. Our use of client data is strictly limited to operating our platform and delivering the services outlined in these Terms.

3. User Responsibilities

By using our services, you agree to the following responsibilities:

• Licensing and Compliance: You represent and warrant that you hold all necessary licenses to sell insurance in the states where you conduct business and that you comply with all applicable federal and state insurance regulations.
• Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or security breach.
• Accurate Information: You agree to provide accurate, current, and complete information when creating an account and to update this information as necessary to maintain its accuracy.
• Lawful Use: You agree to use our services only for lawful purposes and in compliance with all applicable laws and regulations, including but not limited to the Telephone Consumer Protection Act (TCPA), state insurance regulations, and consumer protection laws.
• Prohibited Conduct: You agree not to engage in any conduct that interferes with or disrupts our services, misrepresents your identity or affiliation, violates the rights of others, or attempts to gain unauthorized access to our systems.

4. SMS Terms and Conditions

Insurance Lead Company LLC offers optional SMS notification services to our business clients. These services are subject to the following specific terms:

Service Description: By opting in to receive SMS messages from Insurance Lead Company LLC, you agree to receive non-marketing SMS messages, including real-time lead delivery notifications, account-related updates, and time-sensitive service alerts. These messages are transactional in nature and are designed to help you manage your account and respond promptly to business opportunities.

Opt-In Consent: SMS services are opt-in only. By providing your mobile phone number and completing the opt-in process, you provide your express written consent to receive transactional SMS messages from Insurance Lead Company LLC. Consent is not a condition of purchasing any services.

Message Frequency: Message frequency varies based on account activity and lead delivery volume. You may receive occasional messages when new leads are available or when important account updates occur. We do not send promotional or marketing messages via SMS.

STOP Instructions: You can cancel the SMS service at any time. Simply text "STOP" to the number you received messages from. After you send "STOP," you will receive a confirmation message and will no longer receive SMS messages. Note that opting out of SMS notifications will not affect your access to other services or your account status.

HELP Instructions: If you are experiencing issues with SMS messages or have questions, reply with "HELP" to any message you received, or contact us directly at [email protected]. Our support team will assist you with any SMS-related concerns.

Message and Data Rates: Message and data rates may apply for messages sent to you from us and to us from you. Standard messaging charges from your wireless carrier will apply. We are not responsible for any charges incurred from your mobile carrier.

Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages. While we make reasonable efforts to ensure timely delivery of SMS notifications, we cannot guarantee delivery due to factors beyond our control, including network issues, device compatibility, or carrier limitations.

Supported Carriers: Our SMS service is available for most major U.S. wireless carriers. If you experience issues receiving messages, please contact your carrier to ensure SMS services are enabled on your device.

Privacy and Data Protection: Your mobile phone number and SMS opt-in consent are treated as confidential information. For questions regarding how we collect, use, and protect your data, please review our Privacy Policy at https://insuranceleadcompany.com/privacy. We do not share your mobile information with third parties for marketing purposes.

5. Payment Terms

Payment for our services is processed according to the pricing and billing terms agreed upon in your service agreement. By using our services, you agree to the following payment terms:

• All fees are non-refundable unless otherwise specified in writing
• You are responsible for all charges incurred under your account
• We reserve the right to modify our pricing with advance notice to active clients
• Payment must be made through approved payment methods, including credit card or other methods we specify
• Failure to pay fees when due may result in suspension or termination of services

All payment processing is handled securely through third-party payment processors. We do not store complete credit card information on our servers.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Insurance Lead Company LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of, or inability to access or use, our services
• Any conduct or content of any third party on or through our services
• Any content obtained from our services
• Unauthorized access, use, or alteration of your transmissions or content
• The quality, accuracy, or suitability of leads provided through our platform
• Delayed or undelivered SMS messages or email communications

Our total liability to you for any claims arising out of or relating to these Terms or our services shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

We make no warranties or representations about the accuracy, reliability, completeness, or timeliness of leads or content provided through our services. Leads are provided "as is" without any warranty of any kind, either express or implied.

7. Indemnification

You agree to indemnify, defend, and hold harmless Insurance Lead Company LLC, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with:

• Your access to or use of our services
• Your violation of these Terms and Conditions
• Your violation of any third-party rights, including consumer rights or privacy rights
• Your violation of any applicable laws or regulations, including insurance regulations, TCPA, or consumer protection laws
• Your interactions with consumers who submit inquiries through our platform

8. Intellectual Property

All content, features, and functionality on our website and platform, including but not limited to text, graphics, logos, images, software, and the overall design, are the exclusive property of Insurance Lead Company LLC or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our materials without our prior written consent, except as necessary to use our services for their intended purpose.

The trademarks, service marks, and logos used and displayed on our website are registered and unregistered trademarks of Insurance Lead Company LLC. Nothing on this website should be construed as granting any license or right to use any trademark without our prior written permission.

9. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms and Conditions
• Violation of applicable laws or regulations
• Fraudulent, abusive, or illegal activity
• Non-payment of fees
• Request by law enforcement or other government agencies

You may terminate your account at any time by contacting us at [email protected]. Upon termination, your right to use our services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Modifications to Terms

We reserve the right to modify or replace these Terms and Conditions at any time at our sole discretion. When we make changes, we will update the "Effective Date" at the top of this page. We will provide notice of material changes through email or a prominent notice on our website.

Your continued use of our services following the posting of any changes constitutes acceptance of those changes. We encourage you to review these Terms periodically to stay informed of any updates.

11. Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the state in which Insurance Lead Company LLC is registered, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

12. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be deemed modified to the minimum extent necessary to make it valid and enforceable.

13. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other agreements or policies referenced herein, constitute the entire agreement between you and Insurance Lead Company LLC regarding the use of our services and supersede all prior or contemporaneous understandings and agreements, whether written or oral.

14. Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

15. Third-Party Services

Our services may contain links to third-party websites or services that are not owned or controlled by Insurance Lead Company LLC. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such third-party content or services.

16. Compliance with Laws

You agree to comply with all applicable federal, state, and local laws and regulations in connection with your use of our services, including but not limited to:

• State insurance licensing and regulatory requirements
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act
• Fair Credit Reporting Act (FCRA)
• Health Insurance Portability and Accountability Act (HIPAA), where applicable
• State and federal consumer protection laws
• Data privacy laws, including GDPR and CCPA where applicable

You are solely responsible for ensuring that your use of leads and consumer information complies with all applicable laws and regulations.