Terms of Service

Buyer accounts are for licensed insurance agents and agencies. You must be at least 18, hold the licences required in the states you intend to call, and give accurate account and licensing information. We may verify your licence status and may suspend or close an account that cannot be verified.

A purchase is a licence to contact the consumers in the records you buy, subject to these terms and to applicable law. It is not a transfer of ownership of the data and it is not exclusive unless the listing says so.

• Records are sold with a multiplicity cap shown on the listing. A cap of 1× means the record is retired from the marketplace once you buy it and is never sold again.
• Price is calculated from the listed per-record price and the volume tier that applies to your order. The price charged is the price computed on our systems at checkout, not a figure supplied by your browser.
• You buy the records matching the filters you select. If fewer records match than you ask for, we tell you the available number before you pay rather than charging in full and short-filling.
• Records from states restricted on our platform are excluded before anything is counted or charged.

Our screening is not a substitute for yours. Buying scrubbed data does not make your calling campaign compliant. You are solely responsible for how you contact a consumer. You agree to:

• Maintain your own written Do Not Call procedures and your own registry subscriptions.
• Re-scrub purchased records against the applicable Do Not Call registries within 31 days of dialing.
• Honour any opt-out a consumer gives you directly, immediately and permanently.
• Comply with the Telephone Consumer Protection Act, the Telemarketing Sales Rule, state calling-time and consent rules, and any recording-consent requirements in the states you call.
• Not resell, sublicense, republish or redistribute records purchased on the platform.
• Not use records for anything other than marketing the insurance products you are licensed to sell.

Breaching this section is grounds for immediate termination without refund, and you are responsible for claims arising from your own calling activity.

If a record is disconnected, is a wrong number, or does not match the filters you selected and paid for, raise a claim and we will replace or refund it. Claims are capped at 20% of the order.

The window in which a claim must be raised is stated on your order confirmation and on the listing you bought from. Raise the claim inside that window, with the record identifiers and the reason, through your orders page or by emailing us. We do not accept a claim as evidence on its own — records are checked against the delivered file and the vendor's consent certificate before a credit is issued.

Vendors accepted onto the platform warrant, for every record supplied, that:

• It was collected with the consumer’s express written consent to be contacted about insurance products, and a consent certificate exists and can be produced on request.
• The consent disclosure named the seller or category the consumer agreed to hear from.
• The record has not been sold beyond any limit represented to us, and the data is not scraped, purchased from an unverifiable source, or fabricated.
• It is supplied accurately, including capture date and source.

Records are ingested through our compliance pipeline and only those that pass are listed. Payouts are made on records sold, net of platform fees, on the schedule in your vendor agreement. Supplying records that breach these warranties ends the relationship, forfeits pending payouts on the affected batch, and makes you responsible for the resulting claims.

Websites, CRM, dialer, marketing and staffing services are billed monthly in advance at the price shown when you subscribe. They renew automatically until cancelled. Cancel before the next billing date to avoid the following month's charge; we do not pro-rate a month already begun. Setup fees and work already delivered are not refundable.

Payments are processed by our payment provider. You authorise us to charge the payment method on file for amounts due. Failed or reversed payments may suspend access, including access to files already delivered. Prices are in US dollars and exclude any taxes you are responsible for.

Keep your credentials confidential; you are responsible for activity under your account. Accounts are for one agency and may not be shared with unaffiliated parties. Tell us immediately if you suspect unauthorised access.

We do not promise that any record will answer, convert, or produce a sale, and we make no representation about the revenue you will earn. Lead quality varies and calling results depend on your own operation. Except for the guarantee in section 4, the services are provided as is, and we disclaim implied warranties to the extent the law allows.

To the extent permitted by law, our aggregate liability arising out of these terms is limited to the amount you paid us in the three months before the claim arose. We are not liable for indirect or consequential losses, lost profits, or for regulatory penalties arising from how you contacted a consumer.

We may suspend or close an account for breach of these terms, for non-payment, for suspected fraud, or where a consumer complaint indicates unlawful calling. You may close your account at any time. Sections that by their nature survive termination — compliance obligations, payment obligations, limitation of liability — continue to apply.

We may update these terms and will revise the date at the top. Continued use after a change means you accept it. Material changes affecting account holders will also be emailed to the address on the account.

See also our Privacy Policy and Do Not Call Policy.