These Terms & Conditions ("Terms") govern your access to and use of the website leadcraftsystems.com (the "Site") and the services provided by LeadCraft Systems ("we," "us," or "our"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, do not use our Services.
1. Acceptance of Terms
By accessing or using the Site or Services, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are using the Services on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.
2. Description of Services
LeadCraft Systems provides lead generation services, connecting business clients (licensed life insurance agents, agencies, IMOs and call centers) with consumers seeking life insurance coverage.
Our Services include:
- Generation of exclusive inbound life insurance leads
- Real-time lead delivery via API, webhook, email, or CRM integration
- Lead qualification and filtering based on client-specified criteria
- Customer support and account management
3. Lead Delivery Disclaimer
No Guarantees
While we strive to deliver high-quality, exclusive leads, we make no guarantees regarding:
- Lead conversion rates
- Contact rates or response rates
- Policy approval, issuance or placement rates
- Revenue, income, or profit results
- Lead volume or availability
- Specific outcomes or results
Lead performance depends on numerous factors outside our control, including your sales process, speed of contact, product and carrier fit, underwriting decisions, market conditions, and consumer behavior.
Lead Quality Standards
We implement qualification and verification processes to ensure lead quality. However, we cannot guarantee that every lead will meet your expectations or result in an issued policy.
Exclusivity
Unless otherwise specified, leads are sold exclusively to one client. We do not knowingly resell or redistribute leads to multiple buyers. If you discover a lead was sold to another party, contact us immediately at jeremy@leadcraftsystems.com for investigation and resolution.
4. Client Responsibilities
As a client of LeadCraft Systems, you agree to:
- Provide accurate information about your lead criteria and requirements
- Maintain a functional CRM or lead management system capable of receiving leads
- Contact leads promptly upon delivery
- Comply with all applicable laws, including the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule, federal and state Do Not Call rules, state telemarketing and calling-hour laws, and state insurance laws and regulations
- Maintain the licenses and appointments required to sell life insurance in each state where you receive leads
- Use leads solely for the purpose of offering life insurance and related coverage
- Not resell, redistribute, or share leads with third parties without our prior written consent
- Treat consumer information confidentially and in accordance with applicable privacy laws
5. Payment Terms
Pricing
Pricing is determined based on lead type, qualification criteria, geography, and volume. Our current introductory offer is 20 exclusive leads at $50 USD per lead ($1,000 USD total). Specific pricing will be provided in your service agreement or quote.
Billing
Payment terms will be specified in your service agreement. Typical arrangements include:
- Prepayment for a specified number of leads
- Monthly invoicing based on leads delivered
- Automatic billing via credit card or ACH
Late Payment
Failure to pay invoices on time may result in suspension or termination of Services. We reserve the right to charge interest on overdue balances at a rate of 1.5% per month or the maximum rate permitted by law, whichever is lower.
Taxes
You are responsible for all applicable taxes, duties, and government fees associated with your purchase of Services.
6. Replacements, Credits and Refunds
The Prepared Prospect Guarantee
Every lead we sell is held to four standards:
- Agency identified: the consumer is shown the designated agency before their contact details are submitted
- Preferences collected: preferred contact method and time window are captured and sent with the inquiry
- Contact verified: contact information must pass verification checks of the consumer's email and phone number
- Exclusively assigned: we will never sell the same inquiry to competing lead buyers
If an inquiry fails one of these standards because of our acquisition or distribution process, we will replace it at no additional charge.
Other Lead Credits
We evaluate other lead quality issues on a case-by-case basis. If a lead is demonstrably invalid due to:
- Incorrect or disconnected phone number
- Fake, fraudulent, or nonsensical information
- Duplicate delivery (same lead delivered twice to the same client)
- Failure to meet agreed-upon qualification criteria
We will issue a credit or replacement lead upon verification.
No Refunds for Non-Conversion
We do not issue refunds or credits simply because a lead did not convert, did not answer, was not interested, or did not result in an issued policy. A consumer not answering, declining coverage, or deciding not to purchase does not by itself constitute a defective lead.
Replacement and Credit Requests
All replacement or credit requests must be submitted within 14 days of lead delivery to jeremy@leadcraftsystems.com with supporting documentation (call logs, recordings, screenshots, etc.). Replacements and credits are limited to 20% of each order.
7. Intellectual Property
All content, trademarks, logos, and materials on the Site are the property of LeadCraft Systems or our licensors and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content on the Site without our prior written consent.
8. Limitation of Liability
To the fullest extent permitted by law, LeadCraft Systems and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of profits, revenue, data, business opportunities, or goodwill, arising out of or related to your use of the Services.
Our total liability for any claim arising out of or related to these Terms or the Services shall not exceed the amount you paid to us in the 12 months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.
9. Indemnification
You agree to indemnify, defend, and hold harmless LeadCraft Systems and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
- Your use of the Services
- Your violation of these Terms
- Your violation of any applicable laws or regulations
- Your violation of any third-party rights, including consumer privacy, communication, or insurance laws
- Your use or misuse of lead information
10. Termination
We reserve the right to suspend or terminate your access to the Services at any time, with or without cause, with or without notice.
You may terminate your use of the Services at any time by contacting us at jeremy@leadcraftsystems.com.
Upon termination:
- Your access to the Services will cease
- You remain responsible for any outstanding payments
- Provisions of these Terms that by their nature should survive termination will remain in effect, including payment obligations, intellectual property rights, disclaimers, and limitations of liability
11. Modification of Terms
We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date at the top of this page and notify you as required by law.
Your continued use of the Services after changes are posted constitutes your acceptance of the updated Terms.
If you do not agree to the modified Terms, you must stop using the Services.
12. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of Canada and the province in which LeadCraft Systems is registered, without regard to conflict of law principles.
Any disputes arising out of or related to these Terms or the Services shall be resolved through binding arbitration in accordance with the arbitration rules applicable in that province, except that either party may seek injunctive or equitable relief in a court of competent jurisdiction.
You waive any right to participate in a class action lawsuit or class-wide arbitration.
13. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and LeadCraft Systems regarding the Services and supersede all prior agreements, understandings, and communications.
15. Contact Information
If you have questions about these Terms, please contact us:
LeadCraft Systems
Email: jeremy@leadcraftsystems.com
Website: https://leadcraftsystems.com
16. Waiver
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless made in writing and signed by an authorized representative of LeadCraft Systems.
17. Assignment
You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign these Terms without restriction.
Any attempted assignment in violation of this section is void.
18. Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor disputes, government actions, or failures of third-party services.
19. Headings
The section headings in these Terms are for convenience only and have no legal or contractual effect.
20. Electronic Communications
By using the Services, you consent to receive electronic communications from us. These communications may include notices, agreements, disclosures, and other information. You agree that all agreements, notices, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.