Terms of Service

AgentFuel is for insurance professionals only. To create an account or buy leads, you must:

• be at least 18 years old;
• hold a valid, active insurance producer license (or work for a licensed agency) in each state where you will contact the leads you buy, for the lines of insurance you will discuss;
• give us true, accurate and complete information (name, email, agency, phone and licensed states) and keep it up to date; and
• use leads only to offer insurance products you are licensed and appointed to sell.

We may ask for proof of licensing at any time and may refuse service, suspend or close accounts that don't meet these requirements.

You are responsible for keeping your password safe and for everything that happens under your account. Don't share your login. Tell us right away at leads@agentfuelleads.com if you think someone else has used your account. One person or agency per account, please. We may suspend or close an account that breaks these Terms, is used for fraud, or harms consumers, other agents or AgentFuel.

We generate leads mainly through our own ads on Facebook and other social media and our landing pages, where consumers ask to be contacted about insurance (for example Final Expense, Trucker / commercial truck, Veterans, IUL, Health, Spanish-language and General Life). Each lead includes the consumer's contact details, the information they gave us, and a record of their consent to be contacted.

• Exclusive — A fresh lead that only you receive — no other agent gets it. We will not sell a fresh exclusive lead to any other agent.
• Shared — A fresh lead that may be sold to up to 3 different agents, at a lower price. Other agents may be calling the same person.
• Aged — A lead that is 30 days old or older, at our lowest price. Aged leads may have been sold before (as shared or exclusive) and may be sold to any number of agents.

You can buy leads one at a time, in packs, or in bulk. Prices, pack and bulk discounts and promotions (such as the welcome offer, 20% off your first order) are shown on the Pricing page and at checkout, and may change at any time; the price shown at checkout is the price you pay. Promotions can't be combined unless we say so. If a pack can't be filled right away, the remaining leads may be delivered as new leads arrive.

Before you buy, you see only a limited preview of a lead. After purchase, the full contact information is available in your account and by download.

Payments are processed by a third-party payment processor. By placing an order you authorize us (through that processor) to charge your payment method for the total shown at checkout, including any applicable taxes. If you have account credit and it's switched on, it is applied first and we charge only the remaining amount. We don't store your full card number.

Because leads are delivered instantly and can't be “returned,” all sales are final and non-refundable. The only exception is our bad lead guarantee: you may report a lead that is a disconnected number, a duplicate, or out of state within 72 hours of purchase, up to 15% of an order (at least 1 lead per order), for a replacement lead or account credit after our review. Full details are in our Refund & Bad Lead Policy.

Account credit. Credit can come from an approved bad lead report, a referral reward, or an adjustment by us. Credit is shown with its full history on your Account page and is applied to your orders at checkout (you can switch automatic use off in your cart). Credit can only be used to buy leads on AgentFuel; it has no cash value, can't be transferred, sold or exchanged for cash, and isn't refunded if your account is closed. We may correct credit added by mistake and may remove credit obtained through misuse.

Referral program. You can share your personal referral link with other licensed insurance agents. When an agent signs up through your link and completes their first paid order of $50.00 or more (after discounts, not counting credit), you receive $25.00 in account credit. The agent you refer gets our normal new-account offer (20% off their first order). You can't refer yourself, a second account of yours, or someone at the same address, device, network or phone number as you; we may hold a referral for review, and may decline or reverse rewards for referrals that look duplicated, fake or abusive, or for orders that are charged back. Don't spam or send unsolicited texts or calls to share your link. We may change or end the program at any time; rewards already earned stay in your account.

Free trial leads. When offered, a new agent may claim up to 3 free aged leads in one lead type, once per person, account, email address and phone number, from leads we have in stock at the time (you may receive fewer if fewer are available). Free trial leads are older leads that may also have been sold to other agents, are provided as-is, and are not covered by the bad lead guarantee. All of these Terms apply to them, including your responsibilities when contacting leads (Section 7). We may change, pause or end the free trial at any time.

You — not AgentFuel — decide whether, when and how to contact a lead, and you are solely responsible for doing so lawfully. You agree to comply with all laws that apply to you, including:

• the Telephone Consumer Protection Act (TCPA) and FCC rules, including rules on autodialed and prerecorded calls and text messages;
• the Telemarketing Sales Rule and the National Do Not Call Registry, plus state do-not-call lists;
• state telemarketing and “mini-TCPA” laws (for example limits on calling hours, number of call attempts, and registration requirements);
• CAN-SPAM and state laws for email, and carrier rules for text messaging;
• insurance laws and regulations, including licensing, appointment, advertising and senior / Medicare marketing rules where they apply.

You must keep your own internal do-not-call list, honor every opt-out or “stop” request promptly, identify yourself and your agency on every call, and stop contacting anyone who asks you to. If we tell you that a consumer has asked not to be contacted (for example a lead marked “Do not contact” in My Leads), you must stop contacting them right away. You will defend and indemnify AgentFuel against any claims, fines or costs arising from how you contact leads or otherwise use our service.

Leads are licensed to you for your own insurance sales use only. You may not:

• resell, rent, share, give away or transfer leads (or their information) to anyone else, including other agents, call centers or list brokers;
• use leads for anything other than offering the insurance products the consumer asked about;
• upload leads into tools or services that would share them with third parties;
• scrape, copy or try to get around the site's limits or security, or access other agents' data.

Agents and staff who work directly for your agency may help you work your leads, as long as they follow these Terms and the law, and you remain responsible for them.

We work hard to deliver real, interested consumers, but we can't control whether a consumer answers, buys, qualifies for coverage, or keeps a policy. We make no promises about contact rates, conversion rates, sales or income. Except for the bad lead guarantee, the service and all leads are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement, to the fullest extent the law allows. Information in a lead comes from the consumer and may be incomplete or wrong.

To the fullest extent the law allows, AgentFuel and its owner will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost commissions, lost data or business interruption, arising out of or related to the service or any lead, even if we were told they were possible. Our total liability for any claim related to the service or these Terms is limited to the amount you paid us for the leads involved in the claim during the 3 months before the claim arose. Some states don't allow certain limits, so some of these may not apply to you.

You can stop using AgentFuel at any time. We may suspend or close your account, or refuse orders, if you break these Terms, misuse leads, receive consumer complaints, or put consumers or us at legal risk. Sections that by their nature should survive (such as sections 6–9 and 11) continue to apply after your account is closed.

These Terms are governed by the laws of the State of Utah, without regard to conflict-of-law rules. Any dispute that can't be resolved informally will be brought exclusively in the state or federal courts located in Utah, and you consent to their jurisdiction. Before filing any claim, please email us at leads@agentfuelleads.com so we can try to resolve it.

We may update these Terms from time to time. When we do, we'll change the “Last updated” date above, and for significant changes we may also notify you by email or on the site. Changes apply to orders placed after they are posted. If you keep using AgentFuel after a change, you accept the updated Terms.

AgentFuel · Orangeville, Utah · leads@agentfuelleads.com