Terms

Terms & Conditions

Last updated August 1, 2023

These ILB, LLC Terms of Use (the “Terms”) govern your (“Agent” or “you”) use of and access to the ILB, LLC platform provided by Insurance Lead Brokers, LLC (“ILB” or “we”) through inslbs.com (the “Services”). Through the Services, we (a) provide you with data (“Lead Data”) about potential end-consumers (a “Lead”) who applied to receive insurance quotations from insurance agents, insurance companies, lead aggregators, and similar parties (each a “Provider”), and (b) permit you to connect with consumers via call transfer (“Calls”).

By using our Services, you agree to these Terms and the mandatory arbitration provision and class-action waiver below. If you do not agree, do not use our Services. Questions: admin@inslbs.com.

1. Eligibility

You represent and warrant that you (a) are at least 18 years old, (b) have not previously been suspended or removed from using our Services, and (c) have full power and authority to enter into these Terms. If you are using the Services on behalf of an entity, you represent that you are authorized to bind that entity, and that entity agrees to be responsible for you and any other person who accesses the Services on its behalf.

2. Description of services

Through the Services, Agent may purchase or license Lead Data and Calls. ILB will use commercially reasonable efforts to provide Lead Data and meet the daily Lead volume request specified by Agent (“Daily Volume Requests”). If ILB cannot satisfy Daily Volume Requests with Leads that meet the specified criteria, Agent consents that ILB may provide Lead Data from Leads that do not meet the criteria, in an effort to satisfy the request, while endeavoring to provide Leads that most closely match the criteria.

A Call shall occur when (i) ILB dials a consumer in response to an insurance quote request, or (ii) a consumer dials in-bound to inquire about a quote, and ILB transfers the call to a phone number provided by Agent. ILB may use affiliates and third parties (the “Verified Partner Network”) to provide the Services, including generating Leads and providing Lead Data.

3. Ownership; limited license

The Services and all content therein, including all Lead Data, are owned by ILB or our licensors and are protected under U.S. and foreign laws. Subject to your compliance with these Terms, you are granted a limited, nonexclusive, nontransferable, non-sublicensable, revocable license to access and use our Services and the Lead Data solely for the specific purpose of marketing insurance products to Leads. All Lead Data is confidential and proprietary to ILB. Agent has no right to share Lead Data with any third party for any purpose.

4. Agent responsibilities

Agent will protect Lead Data, including personally identifiable information, with at least the rigor described in our Privacy Policy and in compliance with all applicable laws. Agent shall employ no less than a reasonable standard of care and ensure systems, facilities, and Lead Data are maintained in a secure environment.

Agent agrees to contact Leads in a timely manner and will attempt in good faith to contact a Lead within three (3) hours of receiving the Lead Data. Agent will provide quotes only from Providers for which Agent is licensed and authorized.

Lead Data may only be used by Agent and Agent’s employees acting on Agent’s behalf. Agent shall not transfer, assign, sublicense, or otherwise convey Lead Data to any other person or entity for any purpose. Agent will comply with all applicable federal, state, and local laws, including the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, Do Not Call list requirements, and any other privacy or data security laws.

5. Payment

You agree we may charge your credit card or other approved payment method for the amount you authorized at sign-up. We deduct from your account balance based on the Lead Data and Calls purchased. When your balance falls below the threshold described at sign-up, you agree ILB may automatically charge your credit card for the same amount. You are responsible for keeping your balance positive, and we may immediately suspend Services if your balance goes below zero. Charges are exclusive of applicable taxes.

To the fullest extent permitted by law, Agent waives all claims relating to charges, including claims based on suspected invalid Lead Data. All Leads are non-returnable and non-refundable. Refunds, if any, are at the sole discretion of ILB. See our Refund Policy.

6. Prohibited conduct

You will not:

• Violate any applicable law, contract, or third-party right;
• Engage in harassing, threatening, or stalking conduct;
• Use another user’s account without authorization;
• Impersonate any person or entity;
• Resell or commercially redistribute the Services;
• Reverse engineer the Services;
• Scrape, mine, or extract data from the Services;
• Send spam or unsolicited bulk communications;
• Bypass or ignore instructions in our robots.txt file;
• Use the Services for any illegal or unauthorized purpose.

7. Cancellation

Agent may cancel its account at any time by emailing support@inslbs.com. Upon cancellation, any unused account balance previously charged to Agent’s credit card shall be refunded promptly, except where funds relate to an incentive program that prohibits refunds.

8. Intellectual property

ILB and Agent each own all rights in their respective websites, marks, and other intellectual property. Each party’s names and logos are trademarks of that party and may not be copied or imitated without prior written permission. ILB owns all rights in the Services, including all Lead Data.

9. Communications

Agent agrees that ILB may, but is not obligated to, monitor or record telephone conversations and chat texts with ILB for quality control, training, and internal business purposes. Agent represents that each user authorized to use Agent’s account has consented to such monitoring or recording.

10. Indemnification

To the fullest extent permitted by law, Agent will defend, indemnify, and hold harmless ILB, its subsidiaries, affiliates, and their respective officers, directors, agents, partners, and employees from any losses, damages, liabilities, claims, demands, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to Agent’s access to or use of the Services, Agent’s content or feedback, Agent’s violation of these Terms, or Agent’s violation, misappropriation, or infringement of any rights of another.

11. Disclaimer of warranties

YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. THE SERVICES AND ANY CONTENT THEREIN ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

12. Limitation of liability

EXCEPT FOR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, TO THE MAXIMUM EXTENT PERMITTED BY LAW, ILB AND OTHER ILB PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF THESE TERMS. THE TOTAL LIABILITY OF ILB SHALL NOT EXCEED THE AMOUNT PAID TO ILB BY AGENT DURING THE THREE (3) MONTH PERIOD PRIOR TO AND INCLUDING THE FIRST DATE ON WHICH THE CLAIM AROSE.

13. Dispute resolution; binding arbitration

With the exception of disputes related to enforcement or validity of ILB’s intellectual property rights, all disputes arising out of or relating to these Terms will be resolved through confidential binding arbitration held in Tampa, Florida in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA).

You and ILB agree that any dispute is solely between you and ILB and will be resolved through two-party arbitration, not as a class action or representative proceeding. The Federal Arbitration Act governs the enforceability of this section. Any claim must be filed within one year after the claim arose; otherwise it is permanently barred.

14. Governing law and venue

These Terms are governed by the laws of the State of Florida, without regard to conflict of law rules. Any dispute not subject to arbitration will be resolved in the state or federal courts of Florida sitting in Tampa.

15. No agency

The relationship between Agent and ILB is that of independent contractors. No agency, joint venture, partnership, or employer-employee relationship is intended or created.

16. Severability and miscellaneous

If any provision is unlawful, void, or unenforceable, that provision is severable and does not affect the validity of remaining provisions. Failure of ILB to enforce any right is not a waiver. Section titles are for convenience only. These Terms are the entire agreement between the parties with respect to the subject matter.

17. Notices

Notices to ILB shall be sent via email to support@inslbs.com with a copy by certified postal mail to:

18. SMS messaging

You can cancel SMS at any time by texting STOP to the short code. You will receive an SMS confirming the unsubscribe. Reply HELP for help, or email support@inslbs.com. Carriers are not liable for delayed or undelivered messages. Message and data rates may apply.

19. Acknowledgement

Agent acknowledges that Agent has read and understood these Terms, and that these Terms have the same force and effect as a signed agreement.

© Insurance Lead Brokers, LLC. All rights reserved.