Last updated: August 8, 2026
These Terms & Conditions ("Terms") are a binding agreement between you ("you," "Client," or "Agent") and Yelprat Digital LLC, doing business as Agent Lead Lab ("we," "us," or "Company"). By placing an order, submitting a form, creating an account, or otherwise using our website or services, you agree to these Terms. If you do not agree, do not use our services.
You must be at least 18 years old and legally able to enter into contracts. Our services are sold to insurance agents, agencies, and other licensed professionals for business use only. By ordering, you represent that:
We sell marketing data ("Leads") consisting of contact records for individuals who submitted information expressing interest in insurance products. Lead categories may include, without limitation, final expense, veteran, mortgage protection, IUL, annuity, and other product types, offered in real-time, text-verified, and aged formats.
We are a lead generation and data provider. We are not an insurance carrier, agency, broker, IMO, FMO, or licensed producer. We do not sell insurance, provide insurance advice, or participate in your sales process. We do not provide legal, tax, financial, or compliance advice.
Prices, minimum order quantities, and lead specifications are as displayed on our website or order form at the time you place your order. Minimum order quantities apply to each product and are stated on the applicable product listing.
We may change pricing, product availability, minimums, and specifications at any time. Changes do not affect orders already paid for and accepted. Promotional or discounted pricing is available only for the period stated and may be withdrawn or modified at any time.
Placing an order is an offer to purchase. An order is accepted only when we confirm it and payment has cleared. We may decline or cancel any order at our discretion, including where inventory is unavailable in your requested states, and will refund amounts paid for any order we decline.
Payment is due in full at the time of order unless we agree otherwise in writing. We accept the payment methods shown at checkout.
Timeframes are estimates, not guarantees. You authorize us to charge the payment method you provide for the full order amount, including any applicable taxes and fees. You are responsible for any bank, card, or transfer fees. If a payment is declined, reversed, or returned, we may suspend delivery and your account until the balance is resolved.
Leads are delivered electronically to the CRM, email address, or destination you designate. You are responsible for providing accurate delivery details and for maintaining a working destination capable of receiving them. We are not responsible for leads that fail to arrive because of an incorrect, disabled, misconfigured, or full destination on your side.
Delivery volume and pace depend on inventory, campaign performance, and the states you select. Broader state selection generally improves fulfillment speed and consistency. Fulfillment of an order may occur over a period of days or weeks. We do not guarantee a specific delivery schedule, daily volume, or completion date unless expressly agreed in writing.
Aged leads are records generated at an earlier date, sold by age bucket as described on the product listing. Contact information for aged leads may have changed since generation.
We take reasonable steps to deliver accurate, deliverable records that meet the specifications described on the applicable product listing. However, lead data is supplied by consumers and third-party sources, and we do not warrant that any lead will be accurate, reachable, interested, qualified, insurable, or will result in a sale.
Where a replacement or credit policy is stated on a product listing, that policy governs that product. Unless otherwise stated on the listing, we may issue lead credits for records with disconnected or non-working phone numbers.
All lead purchases are final. Once leads have been delivered, they are not refundable.
Because leads are digital data that cannot be returned or un-received, we do not offer refunds, cancellations, or exchanges on delivered leads. Your sole remedy for a lead that does not meet the applicable product specification is the credit process described in Section 6.
If you cancel an order before any leads have been delivered, we may, at our discretion, refund the undelivered portion, less any processing costs already incurred.
You are solely responsible for how you use the leads you purchase, including:
You are solely responsible for complying with all laws that apply to your outreach, including but not limited to the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule, federal and state Do Not Call rules, state telemarketing and calling-time restrictions, CAN-SPAM, state privacy and consumer protection laws, and all carrier and platform requirements.
Consent obtained at the point of lead generation runs to the parties disclosed at that time and does not substitute for your own compliance determination. You must independently determine whether and how you may lawfully contact any lead, including whether to scrub against Do Not Call lists, whether to use an automated dialer or prerecorded messages, and what disclosures you must make.
We make no representation that any lead may be contacted by any particular method. You should consult your own legal counsel and compliance team before beginning outreach.
Leads are licensed to you for your own use. Unless we agree otherwise in writing, you may not:
Violation of this section is a material breach and may result in immediate termination without refund, in addition to any other remedies available to us.
Any sales figures, average annual premium, commission ranges, close rates, testimonials, case studies, or performance numbers presented on our website or in our marketing are estimates and examples only. They reflect the experience of specific individuals and are not typical, guaranteed, or promised.
Results depend on factors outside our control, including your licensing, experience, sales skill, call volume, follow-up speed, product selection, carrier relationships, market conditions, and effort. We do not promise or guarantee any specific income, number of sales, appointment volume, contact rate, close rate, or return on investment. You accept full responsibility for your own results.
Our services may integrate with or rely on third-party platforms, including CRM, payment, telephony, and delivery providers. We are not responsible for the availability, performance, accuracy, security, pricing, or terms of any third-party service. Your use of any third-party service is governed by that provider's own terms and privacy policy.
Any links on our website to third-party sites are provided for convenience only and do not imply endorsement.
All content on our website — including text, graphics, logos, video, training material, scripts, layouts, and software — is owned by us or our licensors and is protected by intellectual property law. The Agent Lead Lab name and logo are our marks and may not be used without our prior written permission.
You receive no ownership rights in any lead data. You receive a limited, revocable, non-exclusive, non-transferable license to use delivered leads for the purpose described in these Terms.
If you dispute a charge with your bank or card issuer after leads have been delivered, you agree that this constitutes a breach of these Terms. We reserve the right to suspend or terminate your access immediately, pursue collection of the disputed amount, and recover our costs of responding to the dispute, including reasonable attorney fees where permitted by law.
If you have a concern about an order, contact us first at [email protected]. We will work with you in good faith to resolve it.
We may suspend or terminate your access to our services at any time, with or without notice, if you breach these Terms, if we suspect fraudulent or unlawful activity, if payment fails or is reversed, or if we discontinue a product or service.
On termination, your license to use previously delivered leads continues subject to these Terms, but you may not place new orders. Sections that by their nature should survive termination — including Sections 10, 11, 13, 14, and 16 through 20 — survive.
Our services, website, and all leads are provided "as is" and "as available," without warranty of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and any warranty arising from course of dealing or usage of trade.
We do not warrant that our services will be uninterrupted, timely, secure, or error free, that any lead is accurate or reachable, or that any result will be achieved.
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost commissions, lost business opportunity, loss of data, or regulatory fines or penalties, arising out of or relating to these Terms or your use of our services, regardless of the theory of liability and even if we have been advised of the possibility of such damages.
Our total aggregate liability for any claim arising out of or relating to these Terms or our services will not exceed the amount you paid to us for the specific order giving rise to the claim during the ninety (90) days preceding the event.
Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
You agree to defend, indemnify, and hold harmless Yelprat Digital LLC, its owners, officers, employees, contractors, and affiliates from any claim, demand, action, investigation, loss, liability, damage, fine, penalty, or expense — including reasonable attorney fees — arising out of or related to:
Before filing any claim, you agree to contact us at [email protected] and attempt in good faith to resolve the dispute informally for at least thirty (30) days.
If the dispute is not resolved, you and we agree that any dispute arising out of or relating to these Terms or our services will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its commercial rules, seated in Shelby County, Tennessee. Judgment on the award may be entered in any court of competent jurisdiction.
You and we waive any right to a jury trial and to participate in a class, collective, or representative action. Arbitration will proceed on an individual basis only.
Either party may bring an individual claim in small claims court where it qualifies. Either party may seek injunctive relief in court to protect intellectual property or confidential information.
These Terms are governed by the laws of the State of Tennessee, without regard to conflict of law principles. Subject to Section 19, you consent to exclusive jurisdiction and venue in the state and federal courts located in Shelby County, Tennessee.
We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disaster, war, terrorism, labor disputes, government action, internet or telecommunications failure, platform outage, or changes to third-party advertising policies.
If any provision of these Terms is held unenforceable, that provision will be limited or severed and the remainder will stay in effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with our Privacy Policy and any order form you sign or accept, are the entire agreement between you and us regarding our services. You may not assign these Terms without our written consent; we may assign them freely.
We may update these Terms at any time. The updated version takes effect when posted, and the "Last updated" date at the top will change. Your continued use of our services after an update means you accept the revised Terms. Material changes will not apply retroactively to orders already placed and paid for.
By opting into our SMS and text message marketing program, you agree to abide by the following terms and conditions. Please read this section carefully before providing your consent to receive marketing messages via SMS.
By providing your mobile phone number and opting into our SMS and text message marketing program, you expressly consent to receive promotional messages, alerts, and other marketing communications from Agent Lead Lab. You also confirm that you are the account holder or have the account holder's permission to enroll in this service. Standard message and data rates may apply.
You agree to receive SMS and text message marketing communications from Agent Lead Lab periodically. The frequency of messages may vary based on your interaction with our platform and your preferences. You can opt-out of these messages at any time by following the instructions provided in the messages.
To stop receiving SMS and text message marketing communications, you can unsubscribe by replying “STOP” to any marketing message you receive from us. After opting out, you will no longer receive marketing messages via SMS, but you may continue to receive non-promotional messages related to your account or transactions.
We value your privacy and will handle your personal information in accordance with our Privacy Policy. By enrolling in our SMS and text message marketing program, you acknowledge and agree that your mobile phone number and other provided data may be used to deliver marketing messages, offers, and promotions. We will not share your information with third parties for marketing purposes without your explicit consent.
The content of our SMS and text message marketing communications may include but is not limited to promotions, discounts, product updates, event information, and other relevant marketing material related to our products and services.
For any questions, concerns, or assistance related to our SMS and text message marketing program, you can contact our customer support team at [email protected] or +1 (878) 978-2574.
We reserve the right to modify or update these SMS and text message marketing terms without prior notice. Any changes will be effective immediately upon posting the updated terms on our website or sending them to you via SMS. Your continued participation in the program after any modifications constitutes your acceptance of the revised terms.
By enrolling in our SMS and text message marketing program, you acknowledge that you have read, understood, and agree to these terms. If you do not agree to these terms, please do not opt into our SMS marketing program.
Questions about these Terms:
Yelprat Digital LLC d/b/a Agent Lead Lab
5810 Shelby Oaks Drive, Suite B
Memphis, TN 38134, United States
Phone: +1 (878) 978-2574
Email: [email protected]
Web: agentleadlab.com