Terms & Conditions

Effective Date: April 17, 2026
Website: InsuranceLeadAccess.com

  1. Acceptance of Terms

By accessing or using InsuranceLeadAccess.com (“Website,” “Company,” “we,” “us”), you agree to be legally bound by these Terms and Conditions (“Terms”).

If you do not agree, you must not use this Website or purchase any Services.

  1. Description of Services

InsuranceLeadAccess.com provides:

Consumer lead data
Marketing leads for insurance-related services
Lead resale and distribution services

We do not provide insurance products, underwriting, or act as an insurance carrier or broker unless explicitly stated.

  1. Advertising Platform Compliance (Facebook & Google)

You agree that your use of any leads or data obtained through our Website will comply with:

Meta Platforms Advertising Policies
Google Ads Policies
Specifically, you agree NOT to:
Misrepresent offers, pricing, or insurance coverage
Use deceptive, misleading, or unrealistic claims
Violate personal attribute targeting restrictions (e.g., implying knowledge of a person’s health, financial status, etc.)
Use prohibited content related to discrimination or sensitive categories

You are solely responsible for your ad accounts and campaigns.

  1. Insurance Industry Compliance

You acknowledge and agree that:

You are responsible for complying with all applicable insurance laws and regulations in the states where you operate
You must hold any required licenses to sell or market insurance products
We do NOT guarantee that leads are compliant with any specific state insurance regulations

We do not act as an insurance agency, carrier, or licensed producer unless explicitly stated.

  1. Lead Use, Resale, and Buyer Agreement

By purchasing or accessing leads from InsuranceLeadAccess.com, you agree:

Permitted Use:
Leads may only be used for lawful marketing purposes
Leads may not be resold unless explicitly authorized in writing
Prohibited Use:
Sharing leads with unauthorized third parties
Using leads for illegal, deceptive, or abusive marketing
Re-contacting consumers beyond lawful limits
No Exclusivity Guarantee:

Unless explicitly stated, leads may be:
Shared
Resold
Distributed to multiple buyers

  1. TCPA & Communication Compliance (CRITICAL)

You agree to fully comply with the Telephone Consumer Protection Act and all related regulations.

This includes, but is not limited to:
Obtaining prior express written consent before:
Calling
Texting
Using automated dialing systems or prerecorded messages
Maintaining proof of consent where required
Honoring all:
Do Not Call (DNC) lists
Opt-out requests immediately

We do NOT guarantee that:
-Leads include valid TCPA consent
-Leads are scrubbed against DNC lists

You assume full legal responsibility for all outreach.

  1. Email Marketing Compliance

You agree to comply with the CAN-SPAM Act when sending emails.

Requirements include:
Accurate sender information
No deceptive subject lines
Clear opt-out mechanism
Prompt honoring of unsubscribe requests

  1. No Guarantees on Lead Quality

We do NOT guarantee:

Accuracy of lead data
Consumer intent
Conversion rates
Return on investment

All leads are provided “as is.”

  1. Payments & Refunds
    All sales are final unless otherwise stated in writing
    No refunds are guaranteed
    Chargebacks may result in account termination and legal action
  2. Disclaimer of Warranties

All Services are provided:

“AS IS” and “AS AVAILABLE”

We disclaim all warranties, including:

Merchantability
Fitness for a particular purpose
Non-infringement

  1. Limitation of Liability

To the fullest extent permitted by U.S. law:

InsuranceLeadAccess.com shall NOT be liable for:

Regulatory fines (including TCPA violations)
Advertising account bans (Facebook, Google, etc.)
Lost profits or business interruption
Legal claims arising from your use of leads

  1. Indemnification

You agree to defend and indemnify InsuranceLeadAccess.com against any claims, including:

TCPA violations
Advertising violations
Insurance regulation violations
Consumer complaints or lawsuits

  1. Account Suspension & Termination

We reserve the right to:

-Suspend or terminate accounts
-Refuse service

at our sole discretion, especially for:

-Legal violations
-Abuse of leads
-Chargebacks or fraud

  1. Governing Law

These Terms shall be governed by the laws of the State of Florida, United States.

All disputes shall be resolved in that jurisdiction.

  1. Updates to Terms & Conditions

We may update these Terms at any time. Continued use of the Website constitutes acceptance of updated Terms.

  1. Contact Information

Website: InsuranceLeadAccess.com
Email: info [at] InsuranceLeadAccess.com

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