Terms of Service

Last Updated: October 2, 2025

PLEASE READ THESE TERMS OF SERVICE ("TERMS") CAREFULLY. THEY CONTAIN AN ARBITRATION AGREEMENT, JURY- AND CLASS-ACTION WAIVERS, LIMITATIONS OF LIABILITY, AND OTHER PROVISIONS THAT AFFECT YOUR LEGAL RIGHTS.

These Terms govern your use of the resources of Annuity & Insurance Leads LLC (the "Company").

Use of Resources

Your use of the Company's website(s), customer relationship management software, agent portal, leads, and/or your receipt of any commissions or other compensation from any insurance carrier affiliated with the Company (collectively, the "Resources") is conditioned on your acknowledgment, agreement, and compliance with these Terms. These Terms apply to all insurance agents that sell or market any products through their affiliation with the Company or in connection with use of any Resources.

By using the Resources, you agree to be bound by these Terms. If you disagree with any part of the Terms, you must immediately notify the Company and discontinue your relationship with the Company.

All Resources are provided "as is." The Company makes no warranties—express, implied, or otherwise—regarding the accuracy, completeness, or performance of any Resource.

Outbound Communications & Compliance with Law

In connection with your activities pertaining to the marketing and sale of insurance products that involve the Company in any way (including any use of Company trademarks or any Resource), you agree that you will not:

  1. sell any leads purchased from the Company or with the Company's assistance unless expressly authorized by the Company to do so;
  2. use (or engage others to use on your behalf) any automatic telephone dialing system, autodialer, spam text, prerecorded message, artificial-voice calls, or telemarketing service;
  3. purchase or use leads that were generated using any automatic telephone dialing system, autodialer, spam text, prerecorded message, artificial-voice calls, or telemarketing service;
  4. contact any lead without evidence of proper consent or, if no consent exists, without screening against the federal Do-Not-Call ("DNC") Registry and any applicable state DNC list;
  5. contact any lead that requested to opt out of communications;
  6. If marketing or selling Medicare Advantage, Medicare Part D, or MAPD products:
    1. use telephonic solicitation (including text messages), door-to-door solicitation, email solicitation without an opt-out function, or approach potential enrollees in common areas;
    2. call a prospective enrollee who has not given permission to the entity with which you are affiliated to be contacted by a plan or sales agent;
    3. use communications/marketing materials that are inaccurate, misleading, unapproved by CMS or the applicable carrier (if approval is required), or otherwise non-compliant with Medicare marketing guidelines;
    4. fail to obtain a proper Scope of Appointment before a one-on-one telephonic or in-person marketing appointment; or
    5. enroll a prospective enrollee into a Medicare Advantage plan on an outbound call;
  7. contact leads or use the Resources in any way that violates any federal or state law, including without limitation the Telephone Consumer Protection Act (TCPA), Telemarketing Sales Rule (TSR), CAN-SPAM Act, HIPAA, CCPA/CPRA, or—where applicable—Medicare laws, regulations, and guidance.

Communication with Agent

You authorize the Company to contact you regarding the sale and servicing of insurance products. The Company may contact you by phone, email, text, voicemail, or other methods. You may opt out by notifying the Company of your preference.

Independent Contractors

Except for employee agents, the Company's agents are independent contractors and not employees of the Company. Non-employee agents determine the method, manner, and means by which they perform their services. Nothing herein creates a partnership, joint venture, or agency relationship between non-employee contractors and the Company.

Trademarks

The Company's name and logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates/licensors. You may not use such marks without the Company's prior written permission. All other names, logos, product and service names, designs, and slogans on the Company's website are the trademarks of their respective owners.

Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Resources, including any violation of law.

Limitation of Liability

TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY (OR ITS EMPLOYEES, OFFICERS, DIRECTORS, OR AGENTS) BE LIABLE TO YOU FOR ANY CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES arising out of or in connection with these Terms or from the use of or inability to use the Resources, regardless of legal theory, even if the Company has been informed of the possibility of such damages.

TO THE EXTENT PERMITTED BY LAW, THE COMPANY'S AGGREGATE LIABILITY TO YOU arising from these Terms or the use of or inability to use the Resources shall at all times be limited to the greater of $1,000 or the amounts you paid to the Company for access to and use of the Resources.

Agreement to Arbitrate; Class-Action & Jury Waiver

Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Resources, shall be settled by binding arbitration. You and the Company waive the right to a trial by jury and to participate as a plaintiff or class member in any purported class or representative proceeding. This agreement to arbitrate survives termination of these Terms.

The arbitration will be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and the Supplementary Procedures for Consumer-Related Disputes then in effect, in Dallas, Texas. The arbitrator will be selected by the parties from the AAA roster. If the parties cannot agree within seven (7) days after delivery of a Demand for Arbitration, the AAA will appoint the arbitrator. Judgment on the award may be entered in any court with jurisdiction. The arbitrator's award of damages must be consistent with the Limitation of Liability section above.

Waiver & Severability

The Company's failure to enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. A waiver is effective only if in writing and signed by the Company. If any provision is found invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date. Your continued use of the Resources after the effective date constitutes acceptance of the updated Terms.

Contact

Annuity & Insurance Leads LLC

Phone: 402-413-1351

Email: info@lenhofffinancial.com

Address: 8540 Executive Woods Drive #501, Lincoln, NE 68512