Terms of Service

You must be at least 18 years old, an appropriately licensed insurance producer (where required), and authorized to do business in the jurisdictions in which you operate to use the Services. You agree to provide accurate, current, and complete information at registration and to keep that information up to date.

You are responsible for maintaining the security of your account credentials, including any dialer login provisioned to you, and for all activity that occurs under your account. You must notify us promptly at support@inboundcore.com if you believe your credentials have been compromised.

LeadCore offers, among other things: (a) on-demand purchases of insurance lead packages priced per lead with a stated minimum quantity (“Volume Leads”); (b) recurring weekly subscriptions to dialer seats that include access to a power-dialer workstation and an associated lead campaign queue (“Dialer Seats”); and (c) related onboarding, fulfillment, and support functions. We may add, modify, or discontinue features from time to time at our discretion.

Lead inventory, telephony availability, area-code presence, and delivery times are estimates and may vary. We do not guarantee any specific contact rate, close rate, premium written, return on investment, agent income, or business outcome from use of the Services. Examples and calculators presented on our marketing pages are illustrative only and do not constitute a promise of results.

All payments are processed by our third-party payment processor, Stripe, Inc. (“Stripe”). By submitting payment information, you authorize LeadCore and Stripe to charge your designated payment method for the amounts owed under these Terms, and you agree to Stripe’s applicable terms and policies in addition to these Terms.

Volume Leads. Volume Lead orders are one-time purchases. You authorize the full charge at the time you place an order. The charge becomes due immediately and is earned by LeadCore upon our acceptance of your order.

Dialer Seats. Dialer Seats are sold as a recurring weekly subscription, billed in advance for each weekly billing period, anchored to a Monday billing cycle (or such other anchor as we may set). You authorize Stripe to automatically charge your payment method for each successive billing period until you cancel. Subscription fees are earned in full at the start of each billing period.

You are responsible for keeping your payment method current. If a payment fails, we may suspend or terminate your access to the applicable Service without notice and pursue collection of amounts owed. All prices are quoted in U.S. dollars and are exclusive of any taxes, which are your responsibility.

All sales are final. Except where expressly required by applicable law, all amounts paid to LeadCore are non-refundable and non-cancellable, and all delivered leads, completed billing periods, and used Services are non-returnable.

You acknowledge that LeadCore lead inventory is sourced, allocated, and delivered in real time at material cost to LeadCore, and that Dialer Seats are provisioned with telephony resources, software licensing, and live campaign queues that LeadCore commits at the start of each billing period. Because of this, you agree that:

• Volume Lead orders are non-refundable once the order is accepted and any portion of the leads has been delivered to your dashboard. Partial delivery, dialing rates, contact rates, disposition outcomes, or your business results do not entitle you to a refund.
• Dialer Seat subscription fees are non-refundable for the then- current billing period. If you cancel during a billing period, your seat remains active through the end of that paid period and no pro-rated refund will be issued.
• Use of the dialer, opening of a campaign queue, or downloading of any lead constitutes acceptance of the corresponding charge and irrevocably waives any subsequent claim for a refund or credit on that charge, except to the extent required by law.

Chargeback and payment dispute waiver. You agree that you will not initiate a chargeback, payment reversal, or billing dispute with Stripe, your card issuer, or any bank in connection with any charge for Services that you, or anyone using your account, have accessed, downloaded, dialed, received, or otherwise used. You acknowledge that initiating such a dispute in violation of this Section is a material breach of these Terms.

If a chargeback is initiated, you authorize LeadCore to submit these Terms, your account activity, your acceptance records ( including timestamps, IP address, and acknowledgements at checkout), evidence of lead delivery or seat utilization, and any related correspondence to Stripe, your card issuer, or any other relevant party as evidence of the validity of the charge. You further agree that LeadCore may suspend or terminate your account and pursue recovery of disputed amounts, related processing fees, and reasonable collection costs.

If you believe a charge is incorrect, contact us in writing at support@inboundcore.com within 7 days of the charge before initiating any external dispute. We will work with you in good faith to investigate and, in our sole discretion, may issue a credit toward future Services.

You agree to use the Services only for lawful purposes and in compliance with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA), state telemarketing rules, Do-Not-Call requirements, state insurance regulations, and the policies of any insurance carrier or IMO with which you are appointed. You are solely responsible for your use of leads, including dialing practices, recording practices, scripting, and consent management.

You may not resell, sublicense, transfer, scrape, reverse engineer, or share leads or dialer access with anyone outside your account, except as expressly permitted by LeadCore in writing.

The Services, including all software, dashboards, lead data, campaign assets, designs, copy, logos, and marks, are the intellectual property of LeadCore or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes during the term of your account. No other rights are granted by implication.

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY SPECIFIC LEAD WILL ANSWER, BE REACHABLE, OR CONVERT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL LEADCORE OR ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST BUSINESS, OR LOST DATA, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICES.

LEADCORE’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO LEADCORE FOR THE SERVICES IN THE THIRTY (30) DAYS IMMEDIATELY PRECEDING THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).

You may cancel your Dialer Seat at any time from your dashboard. You will retain access through the end of the then-current billing period. We may suspend or terminate your account at any time, with or without notice, for any breach of these Terms, including initiation of a prohibited chargeback, non-payment, or unlawful use. Sections regarding payment, no refunds, disclaimers, limitation of liability, dispute resolution, and any other terms that by their nature should survive will survive termination.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Services will be resolved exclusively by binding arbitration administered under the rules of the American Arbitration Association, on an individual basis, with venue in Delaware, and you waive any right to participate in a class action or representative proceeding.

We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting an updated version with a new “Last updated” date. Your continued use of the Services after the changes take effect constitutes your acceptance of the revised Terms.

Questions about these Terms, including billing matters, can be sent to support@inboundcore.com.