Terms of Service

1. License to Use the Services

All American Leads grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely to create and mail insurance marketing pieces and to receive the leads those pieces generate. We may modify, suspend, or discontinue any part of the Services at any time.

2. Permitted Use

You may use the Services only for lawful insurance marketing for your own licensed business. You may not use the Services to market products you are not licensed to sell, or to send communications unrelated to the programs offered through the platform.

3. Account Access & Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Ensure only authorized individuals access your account, and notify us promptly of any suspected unauthorized use or security breach.

4. Restrictions

You may not copy, modify, reverse engineer, resell, sublicense, or redistribute the Services or the data or leads obtained through them, except to service the consumers who responded to your mail. You may not remove any proprietary notices or attempt to circumvent any access controls.

5. Agent Compliance

You represent that you hold all licenses required to sell the insurance products you market, in every state and county you target. You are solely responsible for complying with all applicable laws and regulations, including state insurance and advertising rules, the Telephone Consumer Protection Act (TCPA), Do-Not-Call requirements, CAN-SPAM, and all data-privacy and data-security obligations that apply to your handling of consumer information and leads.

6. Orders, Subscriptions & Payment

Pricing is quoted per thousand mail pieces (CPM) and shown at checkout. The minimum order is 500 records per week and the maximum is 100,000 records per week. All fees are charged in advance and are non-refundable except as required by law.

Card payments are subject to a 3.5% processing surcharge; payment by bank transfer (ACH) is not surcharged. All orders are weekly subscriptions with a four (4) week minimum commitment: the full first week is charged at checkout and your payment method is charged automatically each week thereafter until you cancel. After the four-week minimum you may pause or cancel at any time. You authorize us to charge your selected payment method for all amounts due.

7. Cancellation & Changes

After the four-week minimum, you may cancel or pause your weekly order before that week's order cutoff, shown at checkout and in your account. You may add counties to your order yourself; to remove a county or swap territory, contact your lead coordinator. Changes requested after the cutoff take effect the following week. Cancelling a subscription releases your territory, which may then become available to other agents on a first-come, first-served basis.

8. Lead Delivery & No Guarantee

Mail pieces are produced and mailed on a weekly schedule. For IVR programs, leads are delivered by text message to the mobile number on your profile and in your in-app lead portal; for mail-back programs, responses are returned by mail over a period of weeks. We do not guarantee any specific volume of leads, response rate, lead quality, or sales outcome. Delivery of text messages depends on carriers and is not guaranteed; the lead portal is the system of record.

9. Disclaimer of Warranties

The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure.

10. Limitation of Liability

To the fullest extent permitted by law, All American Leads will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenues. Our total liability arising out of or relating to the Services is limited to the amount of fees you paid to us in the month preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless All American Leads and its affiliates, officers, and employees from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Services, your marketing and sales activities, your handling of consumer data and leads, or your breach of these Terms or any applicable law.

12. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration on an individual basis, administered in the State of California. You and All American Leads waive any right to participate in a class action or class-wide arbitration. This section does not prevent either party from seeking injunctive relief in court for infringement or misuse of intellectual property.

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules, and any permitted court proceeding will be brought in the state or federal courts located in California.

14. Changes to These Terms

We may update these Terms from time to time. Material changes will be posted on this page with a new “Last updated” date, and your continued use of the Services after a change constitutes acceptance of the revised Terms.