These Terms of Service ("Terms") are a binding agreement between you and Family First Leads ("we," "us," or "our") and govern your access to and use of our websites, lead marketplace, dashboards, APIs, and related services (collectively, the "Services"). By accessing the Services, creating an account, purchasing leads, or submitting a consumer form, you agree to these Terms. If you do not agree, do not use the Services.
1. Eligibility
You must be at least 18 years old and able to form a binding contract. If you use the Services on behalf of an entity, you represent you have authority to bind that entity, and "you" refers to both you and the entity.
2. Accounts
- You must provide accurate registration information and keep it current.
- You are responsible for all activity under your account and for safeguarding your credentials.
- Notify us immediately of any unauthorized use at support@familyfirstleads.com.
3. Lead Purchases and Agent Obligations
Leads delivered through the Services are sold for a one-time license to the purchasing agent or agency for the purposes of contacting the consumer about the insurance product the consumer requested. By purchasing leads, you represent and warrant that you:
- Hold all required insurance licenses and appointments in each state where you will market or sell.
- Comply with the Telephone Consumer Protection Act (TCPA), Telemarketing Sales Rule (TSR), CAN-SPAM Act, state Do-Not-Call lists, state telemarketing laws (including Florida's Telephone Solicitation Act and Oklahoma's Telephone Solicitation Act), and all other applicable laws and carrier rules.
- Will honor consumer revocations of consent, internal Do-Not-Call requests, and STOP messages immediately.
- Will not resell, redistribute, or re-skin leads, or upload them to any third-party data product, without our prior written consent.
- Will retain consent records (including TrustedForm certificates) for at least five (5) years.
- Will not use the leads for any purpose other than the insurance product requested by the consumer.
4. Returns and Credits
Lead returns are governed by our Return Policy posted in the agent dashboard. Common acceptable return reasons include duplicate, disconnected number, wrong number, deceased, language barrier, or under/over age for the product offered. Returns must be submitted within the window stated in the dashboard (typically 7 days from delivery). Credits, not refunds, are issued for approved returns unless otherwise required by law.
5. Billing
- All purchases are pre-paid via wallet balance or saved payment method.
- Recurring orders authorize us to charge your method of payment for each delivery cycle.
- Chargebacks without first contacting support may result in account suspension.
- All fees are in U.S. dollars and exclusive of taxes.
6. Acceptable Use
You will not:
- Use the Services to send spam, robocalls without consent, or any unlawful communications.
- Reverse engineer, scrape, or interfere with the Services.
- Misrepresent your identity, license status, or the products you offer.
- Use the Services to discriminate against consumers in violation of fair-housing, fair-lending, or insurance laws.
7. Intellectual Property
The Services, including all software, dashboards, content, trademarks, and lead data structures, are owned by Family First Leads or its licensors. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services as expressly permitted by these Terms.
8. Disclaimers
THE SERVICES AND LEADS ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT ANY SPECIFIC CONVERSION RATE, INCOME, OR OUTCOME FROM ANY LEAD.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAMILY FIRST LEADS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES. OUR AGGREGATE LIABILITY WILL NOT EXCEED THE AMOUNTS YOU PAID US IN THE NINETY (90) DAYS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
10. Indemnification
You will defend, indemnify, and hold harmless Family First Leads and its officers, directors, employees, and agents from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising from your violation of these Terms, your use of the Services, your contact with consumers, or your violation of any law (including the TCPA and CAN-SPAM Act).
11. Termination
We may suspend or terminate your access at any time for any reason, including violation of these Terms or suspected fraud. Upon termination, your right to use the Services ends; sections that by their nature should survive will survive.
12. Dispute Resolution; Arbitration; Class Waiver
Any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Dallas County, Texas, and governed by the Federal Arbitration Act. YOU AND FAMILY FIRST LEADS WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@familyfirstleads.com.
13. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles.
14. Changes
We may modify these Terms at any time. Material changes will be posted with a new "Last updated" date and, where required, notified to you.
15. Contact
Family First Leads
Email: legal@familyfirstleads.com
See also our Privacy Policy, TCPA Disclosure, and CAN-SPAM Policy.