Terms of Service

We deliver live, human-qualified warm transfers of consumers who have confirmed interest in discussing an insurance quote. A transfer is billable when the consumer is connected live to your line and your agent picks up the hand-off.

We do not guarantee sales, quote volume, bind rates, or any specific return. Coverage availability depends on the states, hours, and capacity settings on your profiles.

Warm transfers are $49 each. Billing is prepaid: you fund your wallet, and each billable transfer is debited from your balance immediately after the call ends. When your balance reaches zero, delivery pauses automatically until it is topped up.

Wallet funds pay for transfer delivery only. They are not a deposit, are not interest bearing, and top-ups are non-refundable — we do not refund wallet payments back to your card. Individual transfers may be credited under our credit and refund policy, and approved credits are returned to your wallet balance. Unused balances remain available for future delivery.

You are responsible for maintaining active licensing and appointments in the states you request, for answering transfers during the hours you set, for the conduct of your agents on our calls, and for handling consumer data lawfully after handoff.

You may not resell, redistribute, or share transferred consumer data with third parties without our written consent.

Consumer consent is captured before any outbound contact, suppression requests are honored, and calls may be recorded for quality and compliance. You agree to honor do-not-contact requests received on our transfers and to comply with all applicable telemarketing, privacy, and insurance regulations.

Credits are governed by our credit and refund policy. Disputes are submitted from your portal and reviewed by our team; approved credits are returned to your wallet balance.

There are no contracts or minimums — you may pause or close your account at any time. We may suspend delivery for non-payment, abusive conduct on calls, compliance violations, or repeated failure to answer transfers.

Our total liability for any claim relating to the service is limited to the amount you paid us for transfers in the ninety days preceding the claim. We are not liable for indirect, incidental, or consequential damages, including lost profits.

We may update these terms; material changes will be communicated to the email on your account. Questions can be sent to your account manager.