Terms of Service

1.1 B2B Platform

W.T.S. Lead Center provides business-to-business software, CRM infrastructure, and lead delivery services intended exclusively for licensed insurance professionals and agencies.

1.2 No Consumer Use

The platform is not intended for personal, household, or consumer use.

1.3 No Legal Advice

W.T.S. Lead Center does not provide legal advice. Any information, tools, or features related to compliance are provided for operational convenience only. You are solely responsible for determining lawful use of leads and communications.

3.1 Sub-Account Authorization

Each CRM sub-account you create within the platform is authorized by W.T.S. Lead Center to receive and contact Leads delivered to that sub-account after its creation timestamp. Authorization is limited to: the specific sub-account; Leads delivered to the sub-account after it is created; and contact conducted through platform infrastructure only.

3.2 No Retroactive Authorization

A sub-account is not authorized to contact Leads delivered prior to its creation.

3.3 Authorization Is Platform Permission Only

Authorization under this Section is platform permission to use the system. It is not a determination that your outreach is lawful and is not a substitute for your own consent and compliance determination under Section 5.3.

3.4 Independent Business; Limited Authorized Representative Status

You are an independent business using a platform. Except as stated in this Section, nothing in these Terms creates a partnership, joint venture, employment relationship, or general agency relationship between you and W.T.S. Lead Center.

Solely for the limited purpose of contacting Leads delivered to your CRM sub-account, and solely to give effect to the consent those consumers provided to W.T.S. Lead Center and its Authorized Representatives, you act as an Authorized Representative of W.T.S. Lead Center. This limited status applies only to that purpose and does not make you W.T.S. Lead Center’s agent for any other matter.

4.1 Scope of No-Refund Policy

By submitting payment to W.T.S. Lead Center, you acknowledge and agree that all amounts paid are final and non-refundable. This includes, without limitation: subscription fees, setup fees, and one-time charges; order minimums, deposits, and prepaid credit balances; usage-based charges for calls, texts, emails, workflows, and any other platform features; charges for Leads, regardless of lead quality, contact rate, conversion rate, or business outcome; charges for upsells, tier upgrades, add-ons, and any optional product offered by W.T.S. Lead Center; and any unused portion of prepaid services or credits at the time of cancellation or termination.

4.2 Acknowledgment of Risk

You acknowledge that the results you achieve using the platform depend on factors outside of W.T.S. Lead Center’s control, including but not limited to your sales skill, licensing status, follow-up cadence, market conditions, and your compliance with applicable law. W.T.S. Lead Center makes no guarantee of any specific business outcome, contact rate, appointment rate, engagement rate, or revenue result. Your inability to achieve a particular outcome does not entitle you to a refund.

4.3 No Refunds Upon Cancellation or Termination

If you cancel your account, terminate your subscription, or your account is suspended or terminated by W.T.S. Lead Center for any reason, you are not entitled to any cash refund, prorated or otherwise.

4.4 No Refunds for Dissatisfaction

W.T.S. Lead Center does not offer refunds based on Customer dissatisfaction, change of mind, change in business circumstances, failure to use the platform, or any reason not expressly provided by applicable non-waivable law.

4.5 Acceptance of Policy

By completing any purchase, you affirmatively accept this no-refund policy and waive any claim to refund of any payment made to W.T.S. Lead Center, except where such waiver is prohibited by applicable non-waivable consumer protection law (which does not apply to this platform under Section 1.2).

5.1 Consumer Consent

Each Lead is a consumer who provided prior express written consent authorizing W.T.S. Lead Center and its Authorized Representatives to contact the consumer, including by call and text and by automated or prerecorded means, at the number provided. The consent language presented to the consumer may vary by campaign. The controlling consent for any Lead is the consent record captured at the time of collection, including the TrustedForm certificate associated with that lead.

5.2 No Warranty of Consent

W.T.S. Lead Center does not warrant that any Lead includes valid, sufficient, or legally compliant consent for any particular outreach method or for your specific use.

5.3 Customer Responsibility and Telemarketer Status

For all outreach you conduct using the platform, you are the “seller” and “telemarketer” as those terms are defined under the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule (TSR), and analogous state telemarketing laws. You are the party responsible to consumers and regulators for the lawfulness of your outreach.

You may contact a Lead only if you have independently determined that: the lead record, combined with any other consent or relationship you hold, supports your intended outreach under applicable law; and your outreach complies with TCPA, TSR, CAN-SPAM, state telemarketing laws, carrier rules, and insurance regulations. You acknowledge that you are solely responsible for compliance determinations.

6.1 Authorized Contact Methods

You are authorized to contact Leads only through platform infrastructure, unless expressly approved in writing by W.T.S. Lead Center.

6.2 Prohibited Conduct

You may not: export Leads for external dialing or texting; copy or manually transfer lead data for off-platform outreach; or route Leads to external systems to avoid platform controls.

6.3 Suppression and Opt-Outs

Opt-out handling and suppression are managed at the sub-account level. When a lead opts out through platform infrastructure, W.T.S. Lead Center will suppress that lead for the applicable sub-account only. You remain independently responsible for maintaining your own suppression lists, honoring all opt-out requests regardless of source, and ceasing outreach when a consumer expresses disinterest.

6.4 Lead Data License

Lead data is licensed, not sold, to the Customer. The license is limited to use within the platform during the active term of the order. The license terminates immediately upon cancellation, suspension, termination, refund, or chargeback. Post-termination retention, export, or use of lead data outside the platform is unauthorized and constitutes a material breach of these Terms.

7.1 Fees

You agree to pay all fees shown at checkout and all usage-based charges incurred through your account. All charges are non-refundable as set forth in Section 4.

7.2 Usage-Based Charges

Calls, texts, emails, workflows, and other features are billed based on actual usage as displayed within the platform.

7.3 Lead Exclusivity and Reassignment

Leads are delivered exclusively to the active sub-account associated with the order at the time of delivery. Exclusivity applies only while the order remains active and in good standing. If an order is refunded, reversed, charged back, canceled, or otherwise voided, the order is considered terminated as of the reversal timestamp. Upon termination of an order, the Customer forfeits any claim to Leads not yet delivered under that order.

7.4 Reversed and Disputed Charges Remain Owed

Nothing in these Terms limits or waives any right you may have to dispute a charge with your financial institution. However, if any payment is reversed, charged back, or refunded to you after the corresponding Leads, access, or services were delivered or made available, the underlying amount remains contractually owed to W.T.S. Lead Center as a debt, independent of the outcome of any payment-processor dispute. You remain responsible for any amount ultimately determined to be owed for products or services received. Upon a reversal or chargeback, W.T.S. Lead Center may suspend or terminate your account. Amounts owed remain due and payable in full, together with interest and collection costs under Section 7.7.

7.5 Service Availability

W.T.S. Lead Center is not liable for any failure or delay in performance caused by events beyond its reasonable control, including outages of upstream service providers (such as CRM, telephony, messaging, or email vendors), carrier blocking, internet infrastructure issues, acts of God, labor disputes, governmental action, or other force majeure events. Service interruptions caused by such events do not entitle Customer to a refund, credit, or other remedy.

7.6 Payment Processing

Payments may be processed through an authorized payment processor acting on behalf of WTS Financial d/b/a W.T.S. Lead Center. Your contractual relationship for the platform and services is with WTS Financial. Payment made to an authorized processor satisfies your corresponding payment obligation to WTS Financial.

7.7 Collections and Past-Due Amounts

Any amount that remains due and unpaid constitutes a past-due debt owed to W.T.S. Lead Center. Past-due amounts accrue interest at the rate of 1.5% per month, or the maximum rate permitted by applicable law, whichever is lower. The Customer is responsible for all costs of collection, including collection agency fees, court costs, and reasonable attorneys’ fees.

13.1 Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles.

13.2 Binding Individual Arbitration

Except for the carve-outs in this Section, any dispute, claim, or controversy arising out of or relating to these Terms or the services shall be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted before a single arbitrator, and judgment on the award may be entered in any court of competent jurisdiction. Before initiating arbitration, the party raising a dispute will send the other party written notice and allow thirty (30) days to resolve it informally.

13.3 Class Action Waiver

To the maximum extent permitted by law, Customer waives any right to participate in a class action, collective action, or representative action against W.T.S. Lead Center. All claims must be brought in the Customer’s individual capacity, whether in arbitration or in court.

15.1 Entire Agreement

These Terms, together with any order documents and policies incorporated by reference, constitute the entire agreement between Customer and W.T.S. Lead Center and supersede all prior agreements, proposals, or representations, written or oral, regarding the subject matter.

15.2 Modifications

W.T.S. Lead Center may update these Terms at any time. Material changes will be communicated by email to the Customer’s account email address or by notice within the platform. Continued use of the platform after such notice constitutes acceptance of the updated Terms.

15.3 Assignment

Customer may not assign or transfer these Terms or any rights under them without the prior written consent of W.T.S. Lead Center. W.T.S. Lead Center may assign these Terms without restriction.

15.4 No Waiver

The failure of W.T.S. Lead Center to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.