Terms of Service

Effective Date: September 14, 2025

This Agreement (“Terms,” “Agreement”) governs your access to and use of Agent Advantage Systems (“Agent Advantage,” “we,” “us,” “our”) and the agentadvantage.io website, services, lead products, and all related offerings (“Service”). By purchasing from or accessing the Service, you agree to be legally bound by this Agreement. If you do not agree to these Terms, you must not use the Service.

1. Lead Purchase Agreement

1.1 Lead Definition.

A “Lead” is a consumer’s submitted information, which may include:

  • First and last name
  • Phone Number
  • Email
  • Date of birth
  • Geographic location
  • Other form data voluntarily provided by the consumer

Leads ARE NOT pre-qualified buyers, guaranteed appointments, or guaranteed sales.

1.2 Delivery Timelines.

We strive to begin fulfilling orders within 24–48 hours, though full delivery may take 5–7 business days, depending on supply, demand, and ad platform conditions. Delays may occur. Failure to deliver within 7 business days will result in partial refund or credit only for undelivered leads, per our Refund Policy.

1.3 Campaign Activation.

You understand and agree that funds from your order are immediately allocated to media buying, ad campaigns, and operational fulfillment. For this reason, all sales are final after the 2-hour cancellation window, and chargebacks are strictly prohibited.

2. Authorized Use of Leads

2.1

Leads are provided exclusively for internal use within the specific insurance vertical selected (e.g., life insurance, IUL, final expense).

2.2 You may not:

  • Share, resell, license, distribute, or transfer leads to anyone outside your organization.
  • Use leads for any purpose other than the consumer’s specific request.
  • Use leads to determine eligibility for credit, employment, or any purpose restricted by the Fair Credit Reporting Act (FCRA).

2.3

Leads are the confidential property of Agent Advantage. You must maintain commercially reasonable safeguards to prevent unauthorized use or disclosure.

3. No Guarantees or Warranties

3.1 No Performance Guarantee.

We do not guarantee:

  • Contact rate
  • Appointment rate
  • Sales/conversions
  • Return on investment
  • Accuracy of submitted information

3.2

ALL SERVICES ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES OF ANY KIND.

4. Service Requirements & Legal Compliance

You agree to:

  • Comply with all federal, state, and local laws, including TCPA, DNC, TSR, FCC, FTC, and insurance regulations.
  • Call only those leads you are legally permitted to contact.
  • Maintain compliant dialing practices and scripts.
  • Notify Agent Advantage immediately if you become the subject of regulatory action.

You are fully responsible for how you use the leads.

5. Fraud Prevention

Any attempt to submit fraudulent chargebacks, manipulate replacement requests, provide false return reasons, or act in bad faith constitutes a material breach and may result in legal action, collections, and termination of access.

6. Chargeback & Dispute Waiver

By purchasing through our Service, you irrevocably agree:

  • You waive all rights to file or initiate any chargeback, dispute, or payment reversal through your bank, credit card company, or payment processor.
  • All transactions are final, non-refundable, and not disputable, except as explicitly stated under our Refund Policy.
  • Any attempted chargeback is considered fraudulent and a breach of this Agreement.

  • You are fully responsible for reimbursing Agent Advantage for:

    • Chargeback amount
    • All chargeback fees or penalties
    • Administrative costs
    • Attorney’s fees
    • Collections or recovery costs

You agree that the only acceptable method for addressing concerns is through Agent Advantage’s internal support and replacement process.

7. Coupon Codes, Promotions & Affiliate Codes

7.1 Coupon & Affiliate Code Integration Rules

Our affiliate pricing and coupon codes/promotions cannot be combined for the same purchase.

When using an affiliate code to make a purchase, the affiliate discount will be applied according to the terms of the affiliate program.

Similarly, if you choose to apply a coupon code or take advantage of a promotion, the discount or offer associated with the coupon code/promotion will be applied as specified.

Only one discount method may be applied per order.

7.2 Agency Affiliates – Specialty Pricing Rules

As an Agency Affiliate, you may be eligible for specialty pricing upon request, subject to approval by Agent Advantage.

All promotional codes, specialty pricing, or discounts offered to you or your referred customers are subject to approval and must be confirmed in writing to take effect.

We reserve the right to modify or discontinue any approved affiliate code, referral code, or specialty pricing at any time and without notice. You agree that Agent Advantage is not obligated to provide advance warning or explanation.

7.3 Affiliate Liability for Chargebacks

If a referred customer makes a purchase using your affiliate promotional code and later initiates a dispute or chargeback, you, as the affiliate who requested and received approval, will be held financially liable for the full chargeback amount, including:

  • Chargeback fees
  • Penalties
  • Recovery or collection costs
  • Administrative/legal expenses

By participating as an Agency Affiliate, you agree to these terms and accept full financial responsibility for disputes initiated by customers using your referral or promotional codes.

8. Limitation of Liability

To the maximum extent allowed by law:

  • We are not liable for indirect, incidental, punitive, or consequential damages.
  • Our total liability shall not exceed the amount you paid in the past 12 months.
  • We are not responsible for lost profits, lost opportunities, or campaigns that fail to produce ROI.

9. Indemnification

You agree to indemnify, defend, and hold harmless Agent Advantage and all affiliates, employees, and contractors from any claims, losses, damages, or regulatory actions arising out of:

  • Your use of leads
  • Your marketing or sales practices
  • Your legal compliance
  • Any breach of these Terms
  • Any chargeback or dispute initiated by you

10. Modifications

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

11. Termination

We may terminate your access immediately for violation of these Terms, abusive conduct, suspected fraud, or misuse of leads.
All obligations regarding payment, confidentiality, non-disparagement, indemnification, and chargeback waivers survive termination.

12. Governing Law, Venue & Arbitration

12.1

These Terms are governed by the laws of the United States of America.

12.2 Binding Arbitration.

All disputes—including billing disputes related to lead quality, delivery, or performance—must be resolved through binding arbitration in a location of Agent Advantage’s choosing.

12.3 No Class Actions.

You waive rights to participate in class actions or collective actions.

13. Contact

Agent Advantage Systems
Email: legal@agentadvantage.io