Terms and Conditions — Family First Leads

BV2 Enterprises LLC d/b/a Family First Leads

These Terms and Conditions (the “Terms”) constitute a binding agreement between BV2 Enterprises LLC d/b/a Family First Leads (“Family First Leads,” “we,” “us,” or “our”) and the person or entity that creates an account, places an order, purchases leads, or otherwise accesses or uses our websites or services (“you,” “your,” or the “Customer”).

By checking an acceptance box, electronically signing or acknowledging these Terms during checkout, placing an order, purchasing leads, or otherwise using the Services after being provided notice of these Terms, you acknowledge that you have read, understood, and agree to be bound by these Terms.

1. THE SERVICES

Family First Leads provides lead-generation and lead-delivery services primarily for licensed insurance producers, agents, and insurance agencies.

The “Services” may include:

Real-Time or Fresh Leads. Consumer insurance inquiries generated through advertising and delivered to the Customer as they are generated or become available.

Aged Leads. Previously generated consumer inquiries that may be offered based on age, lead type, geography, product category, or other characteristics.

Lead Orders and Lead Packages. Quantities of leads purchased by the Customer according to available lead types, states, territories, filters, quantities, or other criteria presented at the time of purchase.

Lead Distribution Services. Electronic delivery of purchased leads through methods supported or approved by Family First Leads.

Other Lead-Generation Services. Other lead-generation, lead-delivery, advertising, or related services expressly identified and agreed upon at the time of purchase.

Leads represent inquiries, requests, or information submitted by consumers. The purchase or delivery of a lead does not guarantee that the consumer will answer a call, respond to a text or email, schedule or attend an appointment, complete an application, purchase an insurance product, qualify for coverage, or otherwise result in a sale.

Family First Leads does not guarantee any particular contact rate, response rate, appointment rate, application rate, closing rate, conversion rate, placement rate, commission, revenue, profit, or other business result.

Lead availability and delivery times may vary based on advertising performance, consumer demand, geography, lead type, targeting criteria, market conditions, and other factors.

2. ELIGIBILITY, LICENSING, AND CUSTOMER COMPLIANCE RESPONSIBILITIES

You must be at least eighteen (18) years old and legally capable of entering into a binding agreement.

If you purchase or use insurance leads, you are solely responsible for obtaining and maintaining all insurance licenses, appointments, registrations, authorizations, and approvals required for the insurance products and jurisdictions in which you operate.

Family First Leads does not assume responsibility for determining whether you are properly licensed, appointed, or otherwise legally authorized to contact a consumer, solicit insurance, or conduct insurance-related activities in any particular jurisdiction.

Division of Compliance Responsibility

Family First Leads is responsible for the methods used by Family First Leads to generate leads, including our advertising, landing pages, forms, and consent-capture processes at the point of consumer submission where applicable.

Once a lead has been delivered to you, you are responsible for how you contact, communicate with, market to, solicit, and otherwise use the lead.

You are responsible for compliance with all laws, regulations, and requirements applicable to your activities, including, where applicable:

the Telephone Consumer Protection Act (“TCPA”);
federal and state Do-Not-Call requirements;
federal and state telemarketing laws;
CAN-SPAM;
applicable state insurance advertising and solicitation laws;
insurance licensing and appointment requirements;
applicable carrier rules and requirements; and
other applicable federal, state, and local laws and regulations.

Where Family First Leads provides consent records, certificates, timestamps, form submissions, or similar documentation, such information reflects the consent or information captured during the lead-generation process.

Such documentation does not constitute legal advice and does not represent or guarantee that every subsequent telephone call, text message, email, or other communication initiated by you will comply with applicable law.

You are solely responsible for determining whether, when, and how you may legally contact a particular consumer.

3. CUSTOMER ACCOUNTS AND INFORMATION

Where Family First Leads provides Customer accounts or order-management access, you agree to provide accurate, complete, and current information.

You are responsible for all activity conducted through your account or credentials.

You must promptly notify Family First Leads at support@familyfirstleads.com if you believe your account or credentials have been accessed or used without authorization.

You may not impersonate another individual or entity, misrepresent your identity or affiliation, or provide materially false information when purchasing or using the Services.

Accounts may not be transferred or assigned to another person or entity without the prior written consent of Family First Leads.

4. LEAD ORDERS AND DELIVERY

Orders

Placing an order constitutes an offer to purchase the leads or Services identified at checkout or in the applicable order form.

Pricing, quantities, lead types, geographic criteria, filters, delivery specifications, and other applicable order details will be disclosed before payment or otherwise agreed upon between Family First Leads and the Customer.

You are responsible for reviewing your order information before completing your purchase.

Delivery

Leads may be delivered through methods supported or approved by Family First Leads, including electronic delivery, webhook, email, third-party systems, spreadsheets, integrations, or other delivery methods.

Real-time or fresh leads are delivered as they become available and are generated.

Lead generation and delivery times may vary based on:

advertising volume and performance;
consumer demand;
state or geographic location;
lead type;
targeting criteria;
advertising-platform conditions;
market conditions; and
other circumstances outside the reasonable control of Family First Leads.

Any delivery timeframe, estimated fill time, or anticipated completion date provided by Family First Leads is a good-faith estimate and not a guaranteed deadline, unless Family First Leads expressly agrees otherwise in writing.

Temporary delays in generating or delivering leads do not automatically constitute a breach of these Terms.

5. PRICES AND PAYMENT

You agree to pay all prices, taxes, fees, and other amounts disclosed and authorized at the time of purchase.

Payments may be processed through Stripe or another third-party payment processor selected by Family First Leads.

When payment information is entered directly through a third-party payment processor, Family First Leads does not intentionally collect or store your complete payment-card number or card security code.

By submitting payment information and completing a purchase, you authorize Family First Leads and its payment processor to charge your designated payment method for the specific order and amounts you authorize.

Declined, reversed, disputed, or otherwise unsuccessful payments may result in suspension or cancellation of pending lead deliveries until the payment issue has been resolved.

Family First Leads may change its prices prospectively at any time.

Price changes will not apply retroactively to completed purchases unless otherwise expressly agreed by the Customer.

6. ALL LEAD SALES FINAL; LEAD REPLACEMENT POLICY

Because leads consist of digital consumer information that is time-sensitive and cannot practically be returned after delivery, all lead sales are final except as expressly provided by the Family First Leads Lead Replacement Policy or as otherwise required by applicable law.

Family First Leads may replace qualifying leads in accordance with its then-current Lead Replacement Policy.

The Lead Replacement Policy may establish:

qualifying replacement reasons;
non-qualifying replacement reasons;
submission deadlines;
documentation requirements;
duplicate periods;
replacement limits or caps; and
other conditions applicable to replacement requests.

Examples of circumstances that may qualify for replacement, subject to the applicable Lead Replacement Policy, may include:

disconnected or invalid telephone numbers;
duplicate leads within the applicable duplicate period;
leads delivered outside the geographic area purchased;
leads that fall outside applicable age or product criteria; or
other qualifying defects specifically identified in the Lead Replacement Policy.

The following circumstances, standing alone, do not automatically make a lead defective:

the consumer does not answer;
the consumer does not return a call;
the consumer does not respond to a text message or email;
the consumer changes their mind;
the consumer states that they are no longer interested;
the consumer cannot immediately remember submitting an inquiry;
the consumer fails to schedule an appointment;
the consumer schedules but fails to attend an appointment;
the consumer does not qualify for a particular insurance product;
the consumer does not complete an application;
the consumer does not purchase insurance; or
the lead otherwise fails to convert into a sale.

Except where prohibited by applicable law, replacement under the applicable Family First Leads Lead Replacement Policy is the Customer’s sole and exclusive remedy for lead-quality issues covered by that policy.

7. BILLING DISPUTES AND CHARGEBACKS

If you believe a charge from Family First Leads is incorrect, you agree to contact us at:

support@familyfirstleads.com

within thirty (30) days after the applicable charge and provide sufficient information for Family First Leads to identify and investigate the transaction.

Family First Leads will make a good-faith effort to investigate legitimate billing disputes and correct verified billing errors.

Customers are encouraged to contact Family First Leads before initiating a payment dispute or chargeback so that Family First Leads has an opportunity to investigate and resolve the issue.

If you initiate a chargeback or payment dispute regarding a transaction, Family First Leads may suspend pending and future lead deliveries while the dispute is being investigated.

If a chargeback or payment dispute is resolved in favor of Family First Leads, the Customer remains responsible for amounts lawfully owed under the applicable transaction, together with any fees or costs recoverable under applicable law.

Family First Leads may decline future orders or restrict Services for Customers who repeatedly initiate invalid or abusive payment disputes.

Nothing in this section waives or limits any rights available to a Customer under applicable law or applicable payment-card network rules.

8. LEAD DATA: LICENSE AND RESTRICTIONS

Upon payment and delivery, you receive a license to use delivered lead information for legitimate insurance marketing, solicitation, sales, follow-up, and servicing activities, subject to applicable law.

You may import, transmit, or store delivered leads in systems or services used for your own legitimate business operations.

Agency Distribution

If you are an insurance agency, agency owner, manager, or other organization purchasing leads for use by your organization, you may distribute purchased leads internally to your authorized employees, agents, independent contractors, downline producers, or other authorized representatives for legitimate insurance-related purposes.

You remain responsible for ensuring that individuals receiving lead information through your organization use that information appropriately and in accordance with applicable law.

Unless Family First Leads expressly authorizes otherwise in writing, you may not:

resell leads to unrelated third parties;
broker leads to unauthorized third parties;
commercially redistribute leads outside your organization;
publicly publish consumer information;
use lead information for purposes unrelated to legitimate insurance or financial-services activities;
use lead information for fraudulent, deceptive, abusive, or unlawful purposes; or
use lead information in violation of applicable law.

You are responsible for honoring applicable consumer opt-out, STOP, unsubscribe, and do-not-contact requests that you receive.

9. FAMILY FIRST LEADS INTELLECTUAL PROPERTY

The Family First Leads name, logos, website content, advertising materials, designs, written materials, graphics, trademarks, service marks, and other proprietary materials owned by Family First Leads or its licensors are protected by applicable intellectual-property laws.

Purchasing leads or using the Services does not transfer ownership of Family First Leads intellectual property to you.

You may not, without prior written authorization:

copy or reproduce Family First Leads proprietary materials;
republish or commercially exploit Family First Leads content;
scrape Family First Leads websites or systems;
use Family First Leads trademarks or branding in a misleading manner;
impersonate Family First Leads;
represent that you are Family First Leads; or
otherwise use Family First Leads intellectual property in an unauthorized manner.

Copyright Complaints

If you believe content owned or operated by Family First Leads infringes your copyright, you may submit a notice containing sufficient information for Family First Leads to identify and investigate the allegedly infringing material to:

BV2 Enterprises LLC d/b/a Family First Leads

Email: support@familyfirstleads.com

10. ACCEPTABLE USE

You may not use Family First Leads Services or lead information to:

violate applicable law;
engage in fraudulent, deceptive, threatening, abusive, or unlawful conduct;
send communications in violation of applicable telemarketing or electronic-messaging laws;
misrepresent your identity, company, insurance-carrier affiliation, licensing status, or relationship with Family First Leads;
attempt to gain unauthorized access to Family First Leads systems or information;
interfere with the operation, availability, or security of Family First Leads websites or Services;
obtain or harvest information regarding other Customers without authorization;
publicly disclose consumer information without authorization;
use consumer information for unlawful or unauthorized purposes; or
engage in conduct that materially exposes Family First Leads or its Customers to legal, regulatory, security, or reputational harm.

Family First Leads may suspend or terminate Services for material violations of these Terms, suspected fraud, unlawful conduct, abuse, misuse of lead information, or non-payment.

11. SUSPENSION AND TERMINATION

These Terms apply while you purchase, receive, access, or use Family First Leads Services.

Family First Leads may suspend, restrict, or terminate Services or pending deliveries for:

material breach of these Terms;
unlawful or fraudulent activity;
misuse of consumer information;
payment failure;
abusive or threatening conduct;
repeated invalid payment disputes;
violations of applicable law; or
conduct creating material legal, regulatory, security, or reputational risk.

Where reasonably practicable, Family First Leads may provide notice stating the reason for suspension or termination.

Termination does not automatically entitle the Customer to a refund for leads already delivered or Services already performed.

Payment obligations, intellectual-property protections, disclaimers, limitations of liability, indemnification obligations, dispute-resolution provisions, and any other provisions that by their nature should survive termination will survive termination.

12. DISCLAIMERS

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND LEADS ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS OR THE APPLICABLE FAMILY FIRST LEADS LEAD REPLACEMENT POLICY, FAMILY FIRST LEADS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

FAMILY FIRST LEADS DOES NOT WARRANT OR GUARANTEE:

THAT EVERY LEAD WILL ANSWER OR RESPOND;
THAT EVERY CONSUMER WILL REMAIN INTERESTED;
THAT INFORMATION PROVIDED BY EVERY CONSUMER WILL BE ACCURATE;
ANY PARTICULAR CONTACT RATE;
ANY PARTICULAR APPOINTMENT RATE;
ANY PARTICULAR APPLICATION RATE;
ANY PARTICULAR CONVERSION OR CLOSING RATE;
ANY PARTICULAR POLICY PLACEMENT RATE;
ANY PARTICULAR SALES VOLUME;
ANY PARTICULAR COMMISSION;
ANY PARTICULAR REVENUE OR PROFIT;
THAT A PARTICULAR LEAD WILL PURCHASE INSURANCE; OR
THAT LEAD GENERATION OR DELIVERY WILL BE UNINTERRUPTED OR ERROR-FREE.

The Customer assumes the ordinary business risks associated with contacting, working, and attempting to convert purchased leads.

13. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

Neither Family First Leads nor the Customer will be liable to the other for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to the Services, including lost profits, lost commissions, lost revenue, lost business opportunities, or similar economic losses.

To the maximum extent permitted by applicable law, the total aggregate liability of BV2 Enterprises LLC d/b/a Family First Leads arising out of or relating to the Services, these Terms, or an applicable lead order will not exceed the amounts actually paid by the Customer to Family First Leads during the twelve (12) months immediately preceding the event giving rise to the claim.

These limitations do not apply to liability that cannot legally be excluded or limited under applicable law, including liability arising from fraud or willful misconduct where such limitation is prohibited.

Nothing in this section limits the Customer’s obligation to pay amounts validly owed to Family First Leads.

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless BV2 Enterprises LLC d/b/a Family First Leads, together with its owners, members, officers, employees, contractors, representatives, affiliates, successors, and assigns, from and against third-party claims, liabilities, damages, losses, penalties, judgments, costs, and reasonable legal expenses arising from or relating to:

your telephone calls, text messages, emails, or other communications with consumers;
alleged TCPA violations arising from your contact practices;
alleged Do-Not-Call violations arising from your contact practices;
alleged CAN-SPAM or similar electronic-communication violations arising from your practices;
your insurance marketing, solicitation, sales, or servicing activities;
your insurance licensing or appointments;
your representations to consumers;
your misuse or unauthorized disclosure of lead information;
your failure to honor applicable consumer opt-out or do-not-contact requests;
your violation of applicable law; or
your material breach of these Terms.

Family First Leads remains responsible for its own conduct in generating leads and providing its Services to the extent required by applicable law.

15. DISPUTE RESOLUTION; GOVERNING LAW; VENUE

Before filing a legal claim relating to these Terms, a lead purchase, or the Services, the complaining party will provide written notice describing the dispute and allow the other party thirty (30) days to attempt in good faith to resolve the matter.

Notices to Family First Leads regarding a dispute must be sent to:

support@familyfirstleads.com

Notices to the Customer may be sent to the email address or other contact information associated with the Customer’s account or applicable order.

These Terms will be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law principles.

To the extent permitted by applicable law, any legal action or proceeding arising out of or relating to these Terms, the Services, or a lead purchase must be brought exclusively in the applicable state or federal courts located in Bexar County, Texas, and each party consents to the personal jurisdiction and venue of those courts.

Either party may bring an eligible claim in small claims court where permitted by applicable law.

To the extent permitted by applicable law, any claim arising out of or relating to the Services must be brought within one (1) year after the claim accrues.

16. CHANGES TO THESE TERMS

Family First Leads may update these Terms from time to time.

Material changes will apply prospectively and will not retroactively alter completed lead purchases unless required by applicable law or expressly agreed to by the Customer.

Where reasonably appropriate, Family First Leads may provide notice of material changes through email, website notice, checkout notice, or another reasonable method.

The version of these Terms in effect when an order is placed will generally govern that transaction unless otherwise stated or required by applicable law.

Family First Leads may maintain prior versions of these Terms for its records.

17. GENERAL

These Terms, together with any applicable:

Family First Leads Lead Replacement Policy;
Privacy Policy;
order terms;
checkout disclosures; and
other policies expressly incorporated into an applicable transaction,

constitute the agreement between Family First Leads and the Customer concerning the applicable Services.

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed as appropriate, and the remaining provisions will remain in full force and effect.

Family First Leads’ failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Family First Leads.

Family First Leads may assign or transfer these Terms in connection with a merger, acquisition, sale, reorganization, transfer of substantially all relevant assets, or similar business transaction.

Electronic acceptance of these Terms will have the same force and effect as a written signature to the extent permitted by applicable law.

Headings are provided for convenience only and do not affect the interpretation of these Terms.

18. CONTACT

Questions regarding these Terms, lead orders, support requests, billing concerns, lead-replacement requests, or dispute notices may be directed to:

BV2 Enterprises LLC d/b/a Family First Leads

Email: support@familyfirstleads.com

BY PLACING AN ORDER, PURCHASING LEADS, OR OTHERWISE USING FAMILY FIRST LEADS SERVICES AFTER BEING PROVIDED NOTICE OF THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THESE TERMS AND CONDITIONS.

See also our Privacy Policy, TCPA Disclosure, and CAN-SPAM Policy.