Terms of Service

Effective date: June 1, 2026  ·  Last updated: June 1, 2026

These Terms of Service ("Terms") are a legal agreement between you ("Agent," "you," or "your") and Flolead ("Flolead," "we," "our," or "us") governing your use of the Flolead website at flolead.io, the agent portal, and any related services (collectively, the "Service"). By applying for access, activating an account, or using the Service, you agree to these Terms. If you are using the Service on behalf of a business, you represent that you have authority to bind that business to these Terms.

1. The Service

Flolead sells exclusive insurance leads to approved agents on a prepaid, per-lead basis. Each lead is a record of a consumer who submitted an online insurance quote request and provided consent to be contacted. Access to the Service is by application and approval only. We approve a limited number of agents per territory and per line of business to preserve lead exclusivity.

2. Account Eligibility and Approval

To be eligible for an account you must (a) hold a valid insurance producer license in every state where you receive leads, (b) be at least 18 years old, and (c) provide accurate information on your application. Approval is at our sole discretion. We reserve the right to decline any application without explanation.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at support@flolead.io if you believe your account has been compromised.

3. Lead Purchase and Delivery

Prepaid balance. Leads are charged against a prepaid balance in your portal account. Charges occur at the time of delivery at the per-lead price displayed in your campaign settings at the time the lead is pushed. Prices may change with 14 days' advance notice.

Exclusivity. Each lead is delivered to one agent only. Once delivered, the lead record will not be resold or delivered to any other agent in the Flolead network.

Delivery method. Leads are delivered in real time to the contact details and channel (email, SMS, or both) configured in your portal. Flolead is not responsible for failed deliveries caused by incorrect contact details in your account settings.

Lead caps and schedules. You may configure per-campaign lead caps and delivery schedules in the portal. Caps and schedules take effect prospectively and do not apply to leads already queued for delivery.

4. Billing and Payments

Payment methods. Payment is by credit or debit card via Stripe. By adding a payment method you authorize us to charge that method for lead purchases and, if enabled, automatic reloads.

Automatic reload. If you enable auto-reload, your balance will be topped up automatically when it falls below the threshold you set. You may disable auto-reload at any time in the portal billing settings; disabling takes effect for the next potential reload trigger, not retroactively.

Non-refundable balance. Prepaid balance is non-refundable except as provided in the Dispute Policy below or as required by applicable law. If your account is terminated for cause, any remaining balance is forfeited.

Taxes. You are responsible for all applicable taxes on your purchases. Where required by law we will collect and remit sales or use tax on your behalf.

5. Lead Dispute Policy

You may dispute a lead within 48 hours of delivery if it meets one or more of the following conditions:

To dispute a lead, use the Dispute button in the portal within the 48-hour window. Include the lead ID and the reason. We review all disputes within two business days. Approved disputes are credited to your account balance; credits are not paid out in cash.

The following are not grounds for a dispute: the consumer did not answer, the consumer declined a quote, the consumer already has coverage, or the lead does not result in a sale.

6. Agent Obligations and Prohibited Conduct

By using the Service you agree to:

Flolead provides leads generated from consumer-initiated requests with documented consent. You are solely responsible for your own outreach, compliance, and any claims arising from your contact with consumers.

7. Intellectual Property

All content, software, and materials on the Service (excluding lead data you have purchased) are the property of Flolead and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission. Nothing in these Terms grants you any right, title, or interest in the Flolead name, logo, or other marks.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. FLOLEAD DOES NOT WARRANT THAT LEADS WILL RESULT IN SALES, THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY LEAD WILL MEET YOUR EXPECTATIONS OF QUALITY OR CONVERSION RATE.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FLOLEAD'S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO FLOLEAD IN THE 30 DAYS PRECEDING THE CLAIM. IN NO EVENT SHALL FLOLEAD BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES.

10. Indemnification

You agree to indemnify, defend, and hold harmless Flolead and its officers, employees, and contractors from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any law or the rights of any third party, or (d) your outreach to consumers using leads purchased through the Service.

11. Term and Termination

These Terms remain in effect for as long as you have an account. You may close your account at any time by contacting support@flolead.io. We may suspend or terminate your account immediately and without notice if you violate these Terms, fail to maintain a valid insurance license, or engage in conduct we determine to be harmful to consumers, other agents, or Flolead. Sections 7–10 and 13 survive termination.

12. Changes to These Terms

We may update these Terms from time to time. If we make material changes we will post the revised Terms with an updated effective date and send notice by email to your account address at least 14 days before the change takes effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms. If you do not agree, close your account before the effective date.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Indiana without regard to its conflict-of-law provisions. Any dispute that cannot be resolved informally shall be submitted to binding arbitration in Indianapolis, Indiana under the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction. You waive any right to a jury trial or to participate in a class action with respect to any claim under these Terms.

14. Miscellaneous

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Flolead regarding the Service and supersede any prior agreements. If any provision is found unenforceable, the remaining provisions remain in full force. Our failure to enforce any right or provision is not a waiver of that right. You may not assign these Terms without our written consent; we may assign them freely.

15. Contact

Questions about these Terms: hello@flolead.io
Flolead · hello@flolead.io · (317) 555-0148