Terms of Service

Acceptance of These Terms

These Terms of Service (the "Terms") are a binding agreement between LLIA ENCORE, LLC d/b/a Lead Clinic ("Lead Clinic," "we," "us") and the insurance agency or business entity accessing or using the Lead Clinic Connect platform (the "Buyer," "you"). By creating an account, funding an account, submitting a campaign, or otherwise using the platform available at leadclinicconnect.com and portal.leadclinicconnect.com (collectively, the "Service"), you accept these Terms on behalf of the entity you represent and confirm you have authority to bind that entity.

If you and Lead Clinic have executed a separate written buyer agreement (including an agreement signed electronically during onboarding), that agreement controls to the extent it conflicts with these Terms.

The Service

Lead Clinic Connect is a self-serve platform through which licensed insurance agencies purchase consumer insurance inquiries ("Leads") — currently auto and home insurance — generated through Lead Clinic's marketing operations and supply partners. The Service includes campaign configuration (filters, schedules, daily caps, pricing limits), a real-time allocation and pricing system, delivery integrations to Buyer systems, prepaid billing, disposition reporting, and account administration.

Lead Clinic is not an insurance carrier, agent, or broker. We do not provide insurance rates or quotes, issue policies, or bind coverage. Leads are inquiries from consumers seeking insurance information; they are not applications for coverage and no outcome is guaranteed.

Unless expressly designated otherwise in your campaign configuration, Leads are non-exclusive and the same consumer inquiry may be sold to more than one buyer.

Eligibility & Accounts

• The Service is available only to licensed insurance agencies and their authorized personnel located in the United States. You represent that you hold, and will maintain, all licenses required to solicit and sell insurance in each state you target.
• Account creation requires verification steps that may include email and phone verification, government-ID identity verification, and multi-factor authentication. You must keep MFA enabled and safeguard your credentials.
• Each Buyer receives a unique buyer code. The first account holder (the founding administrator) may invite additional users and set per-feature permissions. You are responsible for all activity under your account and your users' accounts.
• You must provide accurate business information (legal name, entity type, address) and keep it current. We may suspend accounts that fail verification or provide false information.

Prepaid Accounts & Payment Terms

• Prepaid balance. The Service operates on a prepaid basis. You must fund your account before Leads can be purchased. Funds are added by card payment through our payment processor and are reflected in your account ledger. Minimum funding amounts are displayed at the time of funding.
• Lead charges. Each Lead purchased under your campaigns is debited from your prepaid balance at the price applicable at the time of sale. Your campaign settings (including any maximum price you configure) control what you pay.
• Auto-reload. If you enable auto-reload, you authorize us to automatically charge your default payment method for your configured reload amount whenever your balance falls to or below your configured threshold. You may change or disable auto-reload at any time in the portal.
• Insufficient funds; failed payments. Campaigns pause automatically when your balance is insufficient to purchase further Leads. If a payment fails, we may suspend campaign activity until a valid payment method is provided.
• No interest. Prepaid balances are not deposits, accrue no interest, and are not insured.
• Fees. Certain optional services (for example, lead validation services you enable on a campaign) may carry additional fees, which are disclosed in the portal or the then-current fee schedule before you enable them.

Lead Purchases, Pricing & Delivery

• Allocation. Leads are allocated among eligible campaigns in real time based on campaign filters, schedules, caps, pricing, and platform rules. Lead Clinic does not guarantee any volume, allocation outcome, geographic mix, or win rate.
• Your configuration controls. You are solely responsible for your campaign configuration — filters, schedules, daily caps, delivery endpoints, and price limits. Leads that match a campaign you have activated are valid purchases.
• Delivery. Leads are delivered to the endpoint(s) you configure (for example, your CRM or dialer). A Lead is deemed delivered — and your account is charged — when our system successfully transmits the Lead to your configured primary endpoint. Failures caused by your endpoint configuration, downtime, or rejection rules do not entitle you to redelivery of Leads that were never charged. If you configure an optional secondary delivery endpoint, a failure of secondary delivery after successful primary delivery does not affect the completed sale.
• Validation services. Optional third-party validation services may be enabled per campaign. Where a Lead is rejected due to a validation service you enabled, reduced validation fees may apply in place of the Lead price, as described in the then-current fee schedule.

Credits & Disputes

Except as expressly stated in these Terms or a signed buyer agreement, all Lead sales are final. Credits or refunds for individual Leads (for example, demonstrably invalid contact information) may be issued at Lead Clinic's discretion following review. Requests must be submitted through the portal's support system within [dispute window] of delivery and include the basis for the request. Approved credits are applied to your prepaid balance; they are not paid out in cash except where required by law or on account closure as described below.

Buyer Obligations & Compliance

You agree that, with respect to every Lead you purchase, you will:

• Comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA), state telemarketing and Do-Not-Call laws, CAN-SPAM, state insurance regulations, and applicable privacy laws;
• Rely on your own compliance review — Lead Clinic provides Lead data as received and does not warrant that any particular manner of contacting a consumer is lawful for you;
• Use Lead data solely to quote, sell, and service insurance products for the consumer who submitted the inquiry, and for no other purpose;
• Not resell, license, or share Lead data with any third party, other than service providers acting on your behalf under confidentiality obligations;
• Maintain commercially reasonable safeguards for Lead data in your systems, and notify us promptly of any unauthorized access;
• Honor consumer opt-out and deletion requests as required by applicable law, including any do-not-call or stop-contact indicators surfaced through the Service's disposition system.

Consumer Data & Privacy

Leads contain consumer personal information. As between the parties, you are an independent recipient of that information and responsible for your own use of it. Lead Clinic maintains administrative, technical, and physical safeguards for the platform, including encryption, access controls, audit logging, and personnel access records. Our collection and use of information is described in our Privacy Policy [link pending].

The Service is operated with the assistance of third-party providers — including payment processing, identity verification, electronic signature, lead validation, lead supply, and delivery integrations you configure — and information is shared with them as necessary to provide the Service. Consent and origin metadata captured with a Lead (for example, consent language and consent-verification tokens) is provided to you as received from the lead source.

Platform communications (including transactional email) may include standard delivery and open tracking. Employee access to your account for support purposes is logged and identified in-product.

Dispositions & Reporting

The Service includes disposition reporting that maps your lead outcomes (for example: contacted, quoted, closed) back to the platform, via integration or file upload. You agree to report dispositions accurately and not to misstate outcomes. Disposition data is used to operate and improve the Service, including pricing and allocation quality.

Intellectual Property

The Service — including software, design, documentation, pricing models, and the Lead Clinic and Connect names and marks — is owned by Lead Clinic and its licensors. We grant you a limited, non-exclusive, non-transferable right to access and use the Service for your internal business purposes during the term. You may not copy, modify, reverse engineer, scrape, or create derivative works of the Service, or access it to build a competing product.

If you provide feedback or suggestions, we may use them without restriction or obligation.

Confidentiality

Non-public information you receive through the Service — including pricing, allocation mechanics, fee schedules, and platform documentation — is Lead Clinic's confidential information. You will not disclose it except to personnel and advisors who need it and are bound to confidentiality.

Service Availability & Modifications

We may modify, add, or remove features of the Service, and may suspend or discontinue the Service in whole or in part, at any time. We aim for high availability but do not warrant that the Service will be uninterrupted or error-free. Scheduled and emergency maintenance may temporarily limit access.

Disclaimer of Warranties

Limitation of Liability

Indemnification

You will defend, indemnify, and hold harmless Lead Clinic and its officers, directors, employees, and agents from and against claims, damages, and expenses (including reasonable attorneys' fees) arising out of: (a) your contact with consumers, including alleged violations of the TCPA or telemarketing laws; (b) your use or disclosure of Lead data; (c) your insurance products, quotes, or services; or (d) your breach of these Terms.

Term, Suspension & Termination

• These Terms apply from your first use of the Service until terminated.
• You may stop using the Service and close your account at any time through support.
• We may suspend or terminate your access immediately for breach of these Terms, suspected fraud or unlawful activity, failed verification, or risk to the platform or consumers, and otherwise on reasonable notice.
• On account closure, any unused prepaid balance (net of amounts owed and pending charges) will be returned to your original payment method within a reasonable period, except where withheld for suspected fraud or as required by law.
• Sections that by their nature should survive (including Sections 06–08, 10, 11, 13–18) survive termination.

Dispute Resolution; Arbitration; Class Waiver

Before filing a claim, each party agrees to attempt informal resolution by written notice and good-faith discussion for sixty days.

Governing Law & Venue

These Terms are governed by the laws of the State of [state], without regard to conflict-of-laws rules. Subject to the arbitration provision above, the state and federal courts located in [venue] have exclusive jurisdiction, and each party consents to personal jurisdiction there.

General Provisions

• Changes to these Terms. We may update these Terms by posting a revised version with a new effective date. Material changes will be notified through the portal or by email. Continued use after the effective date constitutes acceptance.
• Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control.
• Assignment. You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets.
• Entire agreement; order of precedence. These Terms, together with any signed buyer agreement and referenced policies, are the entire agreement regarding the Service.
• Severability; waiver. If a provision is unenforceable, the remainder stays in effect. Failure to enforce a provision is not a waiver.

Notices & Contact

We may provide notices through the portal, by email to your account email, or by posting to this page. Legal notices to Lead Clinic must be sent to info@leadclinicconnect.com [legal notice address pending].

◆ End of Terms