Terms & Conditions

• You must be at least 18 years old and able to form a binding contract.
• You must hold a valid, active life insurance producer license in every state in which you contact prospects or transact business, and you must maintain any required carrier appointments.
• You are responsible for confirming your own licensing, appointment and continuing-education status. We may request evidence of licensing and may suspend or cancel orders where eligibility cannot be verified.
• Certain pricing tiers and pages are restricted to specific programs, agencies or active memberships. Accessing or sharing restricted pricing outside its intended audience is a breach of these Terms.

A lead is a consumer-submitted enquiry generated through our own digital marketing campaigns. Each lead we sell is delivered to a single agent and is not resold or recycled to another Level Up customer.

A lead is a sales opportunity only. We make no representation, warranty or guarantee — express or implied — regarding contact rates, appointment rates, placed business, persistency, commission, income or return on investment. Any figures, testimonials, client wins or results shown on this website are individual outcomes achieved by specific agents and are not typical, not promises, and not a projection of your results. Your results depend on your activity, skill, follow-up and market conditions.

• Orders are typically activated within one business day of successful payment.
• Leads are delivered as generated in your selected geography — typically within three business days, and up to ten business days for larger or bulk orders.
• State and regional selections are subject to current inventory availability and may be adjusted with notice if inventory in a requested area is unavailable.
• Minimum order quantities and program-specific quantities are shown at checkout and apply as displayed.
• Pricing, product lines, minimums, program benefits and inventory availability may change at any time. Changes do not apply retroactively to orders already paid.

Launch Packs are introductory bundles for new or relaunching customers. You may purchase one Launch Pack per product line, up to a maximum of three, and never the same pack twice. We reserve the right to cancel and refund duplicate or ineligible Launch Pack purchases.

• Standing Lead Orders are recurring subscriptions that bill automatically on the stated cycle using your saved payment method until cancelled. You expressly authorize these recurring charges.
• Cancellation must be submitted in writing to admin@levelupleads.com or through a support ticket at least 7 calendar days before your next billing date.
• With 7 or more days' notice, your next already-scheduled order still processes and membership then ends. With less than 7 days' notice, one additional order beyond the already-scheduled order processes before membership ends.
• Program pricing and benefits end when cancellation becomes effective. Re-enrollment is subject to availability and then-current pricing.
• Quantity changes must be requested in writing before your next billing date and are subject to inventory availability.
• Recruiter Member Pricing requires an active Level Up Recruiting subscription and ends automatically when that subscription becomes inactive.

• We accept major credit and debit cards, and ACH bank transfer for recurring standing orders. Payments are processed by a third-party processor; we do not store full card numbers.
• You represent that you are authorized to use the payment method provided and that all billing information is accurate.
• Failed, reversed or disputed payments may result in immediate suspension of delivery. You are responsible for fees we incur from a chargeback initiated without first contacting support.
• Filing a chargeback in place of using our refund and lead-credit process is a breach of these Terms and may result in termination and referral for collection.
• Prices are stated in US dollars and exclude any applicable taxes, which are your responsibility.

• Leads are digital products delivered immediately. All sales are final unless otherwise stated in writing.
• If a lead is invalid due to a delivery error on our side, submit a support ticket within 7 calendar days of delivery for review and possible replacement.
• Lead credit requests are reviewed case by case and generally cover a disconnected or invalid number, a prospect outside your licensed states, or a demonstrably fabricated submission. Requests must include the lead details and the reason.
• A credit is not granted for a prospect who simply declines, does not answer, is not interested, or does not qualify for coverage.
• Approved remedies are issued as replacement leads or account credit, at our discretion.

You are solely responsible for how you contact and market to prospects. You agree to comply with all applicable laws including the Telephone Consumer Protection Act and FCC rules, federal and state do-not-call requirements, state telemarketing and calling-hour rules, CAN-SPAM, state insurance advertising, suitability and replacement regulations, carrier and upline marketing rules, and applicable privacy laws.

• Maintain your own internal do-not-call list and honor opt-out requests immediately.
• Do not use automated dialing, prerecorded messages or SMS in a manner that exceeds the consent obtained.
• Do not misrepresent your identity, licensing, carrier affiliation, or any product feature or benefit.
• Do not use lead data for any purpose other than your own licensed insurance sales activity.
• Protect consumer data you receive, use it only as permitted, and delete it upon a valid request.

You may not resell, sublicense, redistribute, publish, scrape, or upload our lead data to any third-party marketing list, data broker, dialer marketplace or shared database. Lead data is licensed to you for your own use only, and the license terminates if you breach these Terms.

• Do not attempt to access accounts, data or systems you are not authorized to access.
• Do not scrape, crawl, mirror or harvest content, pricing or data except as permitted by our robots directives.
• Do not probe, scan, overload, or interfere with the site, its APIs, its chat or its infrastructure.
• Do not upload malware, unlawful content, or content that infringes another party's rights.
• Do not use our chat or forms to transmit sensitive personal, health or financial information about a third party.
• Do not impersonate Level Up Leads, our staff, or use our name or marks in advertising without written permission.

We may suspend or terminate access for any violation, with or without notice.

The website, branding, logos, copy, graphics, videos, training materials, scripts, resources and software are owned by Level Up Leads or its licensors and are protected by copyright, trademark and other laws. Purchasing a product grants you a limited, personal, non-transferable, revocable license to use the materials for your own licensed insurance business. You may not copy, resell, republish, share credentials for, or create derivative works from our training or resources.

Level Up Leads is an Authorized Vendor of Quility. We are an independent company; we are not an insurance carrier, not a broker-dealer, not a law firm, and we do not provide legal, tax, compliance or financial advice. Links to third-party scheduling, payment, video, CRM and community platforms are provided for convenience and are governed by those providers' own terms.

If you submit a client win, testimonial, review, image or other content to us, you grant Level Up Leads a non-exclusive, worldwide, royalty-free license to use, reproduce and display it in our marketing, and you confirm you have the right to share it and have removed or obtained consent for any client-identifying information. Do not submit protected health information or a client's personal data without written consent.

The Services are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted or error-free operation. We do not warrant that any lead will be reachable, accurate, qualified, or will result in a sale.

To the maximum extent permitted by law, Level Up Leads and its owners, officers, employees and contractors are not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost commissions, lost data, or business interruption, arising from or related to the Services — even if advised of the possibility. Our total aggregate liability for any claim is limited to the amount you paid to Level Up Leads for the specific order giving rise to the claim in the 90 days before the claim arose.

You agree to indemnify, defend and hold harmless Level Up Leads and its personnel from any claim, demand, penalty, fine, loss or expense (including reasonable attorneys' fees) arising from your use of the Services, your outreach or sales practices, your violation of any law including the TCPA or state insurance regulations, your breach of these Terms, or your infringement of any third party's rights.

We may suspend or terminate your access, cancel pending orders and end program eligibility at any time for breach of these Terms, suspected fraud, chargeback abuse, misuse of lead data, or conduct that exposes us or consumers to legal risk. Sections that by their nature should survive termination — including payment obligations, license restrictions, disclaimers, limitation of liability, indemnification and dispute resolution — survive.

These Terms are governed by the laws of the State of South Carolina, without regard to conflict-of-law rules. The parties will first attempt to resolve any dispute informally by contacting admin@levelupleads.com and negotiating in good faith for 30 days. If unresolved, any dispute will be resolved by binding individual arbitration administered under the rules of a recognized arbitration provider, seated in Beaufort County, South Carolina, except that either party may bring an individual claim in small-claims court. Claims must be brought on an individual basis only — class, collective and representative actions are waived. Where arbitration is unenforceable, the state and federal courts located in South Carolina have exclusive jurisdiction. Any claim must be filed within one year of the event giving rise to it.

• These Terms, together with our Privacy Policy and any order-specific terms shown at checkout, are the entire agreement between us.
• If any provision is found unenforceable, the remainder stays in effect.
• Our failure to enforce a provision is not a waiver.
• You may not assign these Terms without our written consent; we may assign them in connection with a business transfer.
• We are not liable for delays or failures caused by events beyond our reasonable control.
• We may update these Terms; the "Last updated" date reflects the current version, and continued use after changes constitutes acceptance.

Questions about these Terms: admin@levelupleads.com.