Terms of Service

The Services are intended for licensed insurance agents, call publishers, and other business users who are at least 18 years old and able to form a binding contract. The Services are for business use only and are not offered to consumers for personal, family, or household purposes.

You are responsible for holding, and keeping in good standing, every license, appointment, and authorization required to discuss or sell the products you handle on calls delivered through the Services, in every state in which you take calls. We may require evidence of licensing at any time and may restrict the states you are eligible to receive calls in.

You may not use the Services if you are barred from doing so under applicable law, or if you appear on any government sanctions, denied-party, or debarment list.

InboundIQ connects licensed agents with inbound calls and prospective leads sourced from third-party marketing partners. InboundIQ is a marketing and call-delivery platform and is not an insurance carrier; we do not sell insurance, do not employ you, and do not guarantee any sale, conversion, appointment, or other outcome.

We make no guarantee of call volume, call quality, lead quality, caller intent, or earnings. Inbound traffic depends on third-party marketing sources and varies continuously and unpredictably.

Campaigns, buffers, qualification criteria, pricing, routing rules, state coverage, and eligibility requirements are set by us and may be introduced, changed, paused, or discontinued at any time, with or without notice, including in ways that materially change how much you are charged or how many calls you receive. Where practical we will give notice in the product, but we are not obligated to maintain any particular campaign or billing model.

These Terms apply to several kinds of user, and some sections apply only to one.

• Agents take inbound calls and are charged from their own wallet.
• Publishers supply inbound call traffic to us and are given read-only access to their own performance and payment data. Publisher commercial terms, rates, and payment schedules are set out in a separate written agreement, which controls over these Terms in the event of a conflict. Publishers may access only their own data, may not attempt to identify other publishers or any agent, and may not use the portal for any purpose other than managing their traffic with us.

If you use the Services on behalf of an organization, you represent that you are authorized to bind it, and “you” includes that organization.

The Services are billed on a prepaid, pay-per-use basis. You fund a wallet through our third-party payments provider, and charges are deducted from your balance at the rates shown in the Services at the time of the call. You authorize us to charge the applicable amounts and to deduct usage from your wallet.

Minimum funding amounts, minimum balance requirements to receive calls, and per-transaction limits are shown in the product and may change. You must maintain a sufficient balance to remain eligible for calls; if your balance falls below the required minimum, call delivery stops.

Wallet funds are a prepaid usage credit for the Services. They are not a deposit, not held in trust, not insured, earn no interest, and are not transferable, assignable, or redeemable for cash. Rates, fees, and minimums may change prospectively at any time.

You are responsible for all taxes arising from your use of the Services other than taxes on our net income.

How a charge is triggered depends on the campaign you are live on, and is shown to you in the product before you go live. You must acknowledge the applicable billing and compliance disclosures each time you go live, and those in-product disclosures form part of these Terms.

Calls connected through the Services are recorded, transcribed, and analyzed. This is done for billing determination, quality assurance, compliance monitoring, dispute handling, fraud and abuse detection, agent coaching, and improvement of the Services.

Processing is performed by us and by third-party service providers, including speech-recognition and artificial-intelligence providers. Audio may also be processed to produce acoustic fingerprints used to detect pre-recorded or injected audio. These automated systems determine whether you are charged for a call.

By using the Services you consent to this recording, transcription, and analysis, and to the transfer of call audio and transcripts to those providers, in each case where permitted by law.

Where caller consent to recording is required, disclosure is provided to the caller before the call is connected to you. You must not defeat, contradict, or discourage that disclosure, and you must comply with all recording and consent laws applicable in your state and the caller’s state. If a caller objects to being recorded, you must end the call.

Recordings, transcripts, and derived analysis are our records. See our Privacy Policy.

All payments are final. We do not offer refunds. To the maximum extent permitted by law, all wallet funds (whether used or unused), all usage charges, all subscription and platform fees, and all other amounts paid to us are non-refundable and non-reversible, and we do not provide refunds, cash back, or chargebacks for any reason — including unused balances, account suspension or termination, inactivity, dissatisfaction with call volume, call quality, lead quality, or caller intent, unconverted leads, downtime or technical faults, a change to campaigns or pricing, or a change to how charges are determined.

By funding your wallet and using the Services, you acknowledge and agree to this no-refund policy. This does not limit any rights you may have that cannot be waived under applicable law.

Some access to the Services may be offered as a recurring subscription or under a plan that grants continuing access after a qualifying level of cumulative funding. The current price, billing period, and terms of any such plan are shown in the Services at the point of purchase.

Subscriptions renew automatically for successive periods at the then-current rate, and your payment method is charged each period, until cancelled. You may cancel at any time through the Services or by contacting us; cancellation takes effect at the end of the current billing period. Access continues until then. Subscription fees buy platform access only — they do not add wallet balance and do not pay for calls.

Subscription and plan fees are non-refundable, including for partial periods and unused access. If a renewal payment fails, we may suspend access after any grace period shown in the product. We may change subscription pricing on notice, effective at your next renewal.

You agree not to:

• Use the Services in violation of any law, including the Telephone Consumer Protection Act (TCPA), federal and state Do-Not-Call rules, call-recording and consent laws, and state telemarketing and insurance regulations.
• Misrepresent yourself, your identity, your licensing, your carrier appointments, or the products you offer, or imply that you represent InboundIQ, a carrier, or a government program.
• Resell, redistribute, scrape, export, or misuse leads, call data, transcripts, or recordings.
• Share your account, take calls under another person’s credentials, or allow an unlicensed or unapproved person to handle calls.
• Play pre-recorded, synthetic, or injected audio into a call, or otherwise simulate or fabricate any part of a conversation.
• Manipulate, evade, or interfere with billing, qualification, routing, recording, transcription, or quality-assurance systems — including timing a hang-up to avoid a charge, suppressing qualifying questions while still working the lead, or taking a caller’s details outside the qualification flow.
• Work a lead without qualifying it, in breach of the campaign rules shown to you before going live.
• Remain marked available while unable or unwilling to take calls, or otherwise cause calls to be routed to you and abandoned.
• Interfere with, disrupt, reverse engineer, or attempt to gain unauthorized access to the Services, or access data belonging to another user.

You are solely responsible for your conduct on calls and for your compliance with all applicable laws. We monitor for the conduct described above and may charge for affected calls under Section 6.4, suspend or terminate your account, and report unlawful conduct to regulators or law enforcement.

Calls and leads delivered through the Services contain personal information about consumers. With respect to that information you act as an independent controller and are solely responsible for your own compliance with applicable privacy, data-protection, and telemarketing law.

• Use consumer information only to serve the specific inquiry that generated the call, and for permitted follow-up with that consumer.
• Do not sell, share, rent, transfer, or otherwise disclose consumer information to any third party, and do not add it to any list or database used for unrelated marketing.
• Comply with all consent, Do-Not-Call, calling-time, and revocation requirements on any follow-up call, text, or email you send, and honor any opt-out immediately.
• Keep consumer information secure, using at least reasonable and appropriate safeguards, and notify us promptly if it is lost or improperly disclosed.
• Delete or return consumer information when your account ends, except where retention is required by law or by your carrier or regulator.

By creating an account you agree that we may contact you about your account, calls, billing, and the Services by email, SMS, telephone, and in-product notification. Some of these messages are operational and cannot be opted out of while your account is active.

You may receive verification codes by SMS. Message and data rates may apply. You may opt out of marketing messages at any time by following the instructions in the message; opting out of marketing does not stop operational messages.

The Services depend on third-party telephony, network, speech, and payment infrastructure that we do not control, and on your own device, browser, microphone, and internet connection. You are responsible for maintaining equipment and connectivity adequate to take calls.

We may modify, suspend, or discontinue any part of the Services, perform maintenance, and impose or change limits, at any time. We do not guarantee uninterrupted or error-free operation, that calls will connect, that audio will be of any particular quality, or that recordings or transcripts will be captured or retained for any period.

The Services, including all software, content, scripts, training materials, call data, recordings, transcripts, analytics, and trademarks, are owned by InboundIQ or its licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Services for their intended business purpose during your access. You may not copy, modify, distribute, publicly display, or create derivative works except as expressly permitted.

If you provide feedback or suggestions, you grant us an unrestricted, perpetual, royalty-free right to use them without obligation to you.

Non-public information you receive through the Services — including pricing, rates, payout terms, traffic sources, campaign configuration, performance data, unreleased features, and the identity and data of other users — is our confidential information. You must keep it confidential, use it only to use the Services, and not disclose it without our written consent. This obligation survives termination.

You may stop using the Services at any time. We may suspend or terminate your access, immediately and without notice, if you breach these Terms, if we reasonably believe you create risk, fraud, or legal exposure for us, other users, or consumers, if required by law or a payment provider, or if you fail identity verification.

On suspension or termination for any reason, any remaining wallet balance is forfeited and is not refunded, transferred, or paid out, in accordance with Section 8. Any negative balance and any amount you owe us remains due. Provisions that by their nature should survive termination — including Sections 5, 6.5, 7, 8, 10, 12, 15, 16, and 18 through 22 — survive.

The Services are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services will be uninterrupted, secure, or error-free, that automated qualification, transcription, or analysis will be accurate or complete, or that any particular call volume, lead quality, conversion, or financial result will be achieved.

We are not responsible for the conduct, accuracy, or intent of callers, for information a caller provides, or for the acts or omissions of third-party marketing partners, publishers, carriers, or infrastructure providers.

To the maximum extent permitted by law, InboundIQ and InboundIQ Leads LLC, and their officers, members, employees, and agents, will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenues, lost business, lost leads, lost data, or loss of goodwill, however caused and on any theory of liability, even if advised of the possibility.

Our total aggregate liability for all claims relating to the Services will not exceed the total amounts you paid to us in the three months immediately before the event giving rise to the claim.

These limitations apply even if a remedy fails of its essential purpose, and are a fundamental basis of the bargain between us.

You agree to indemnify, defend, and hold harmless InboundIQ and InboundIQ Leads LLC, and their officers, members, employees, and agents, from any claims, demands, losses, liabilities, damages, penalties, fines, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Services, your calls and communications with consumers, your handling of consumer information, your licensing or insurance activity, your violation of these Terms, or your violation of any law or the rights of any third party.

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have disputes heard by a jury or as part of a class action.

These Terms are governed by the laws of the State of [STATE OF ORGANIZATION] and applicable United States federal law, without regard to conflict-of-laws principles. Subject to Section 20, the parties submit to the exclusive jurisdiction of the state and federal courts located in [STATE OF ORGANIZATION].

We may update these Terms from time to time. Changes are reflected by updating the “Last updated” date above. For material changes — including changes to how you are charged — we will provide additional notice, which may include requiring you to accept the updated Terms in the product before continuing to take calls.

Continued use of the Services after changes take effect constitutes acceptance. If you do not agree to a change, stop using the Services; Section 8 continues to apply to amounts already paid.

These Terms, together with the Privacy Policy, the in-product campaign, billing, and compliance disclosures you acknowledge, and any separate written agreement between us, are the entire agreement between you and us, and supersede any prior understanding. In the event of a conflict, a separate signed written agreement controls, then these Terms, then in-product disclosures.

You are an independent contractor. Nothing in these Terms creates an employment, agency, partnership, joint venture, or franchise relationship.

You may not assign these Terms without our written consent. We may assign them, including in connection with a merger, acquisition, or sale of assets. If any provision is held unenforceable, it is limited or severed and the rest remains in effect. Our failure to enforce a provision is not a waiver. We are not liable for any delay or failure caused by events beyond our reasonable control. Notices to you may be sent to the email on your account or posted in the Services.

InboundIQ (InboundIQ Leads LLC)
Email: hello@inboundiqleads.com