Terms of Service

PLEASE READ SECTION 13 CAREFULLY. IT REQUIRES BINDING ARBITRATION AND WAIVES YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS, SUBJECT TO A 30-DAY OPT-OUT.

By creating an account, clicking "I Agree," purchasing leads, or otherwise accessing or using the Fuego Leadz marketplace, portal, and related services (the "Services"), you agree to these Terms of Service (the "Terms") and to our Lead Purchase Agreement and Privacy Policy, each of which is incorporated by reference. If you do not agree, do not use the Services.

In these Terms, "Fuego," "we," "us," and "our" mean Fuego Leadz LLC, the operator of fuegoleadz.com. Fuego Leadz is a lead-generation marketplace operated by Fuego Leadz LLC. We are not an insurance agency, insurer, or licensed producer, and we do not sell insurance to consumers. "You" and "your" mean the business and the individual accepting these Terms on its behalf. Where these Terms and the Lead Purchase Agreement conflict on a matter specific to purchased leads, the Lead Purchase Agreement controls as to that matter.

These Terms apply to every visitor, registered agent, and account holder who accesses the marketplace, the portal, or any related service. We may update them as described in Section 14.

The Services are offered only to businesses, not to consumers. You may use the Services only if you are at least 18 years old, are acting on behalf of a business, and are a currently licensed insurance producer or agency in each state in which you will contact leads.

You represent and warrant that you hold all insurance producer licenses and lines of authority required in every state in which you will contact leads, that your National Producer Number (NPN) is accurate and active, and that you will immediately notify Fuego of any lapse, suspension, or revocation of any license or your NPN.

You authorize Fuego to verify your licensure and NPN, including through the NIPR Producer Database (PDB), at any time. We may decline, suspend, or terminate an account that provides inaccurate information, that we cannot verify, or whose licensure has lapsed.

You may maintain one account per buyer entity. You agree to provide accurate, current, and complete information and to keep it up to date. You are responsible for all activity that occurs under your account, your credentials, and any API keys issued to you.

You must safeguard your passwords and API keys and may not share credentials or allow others to access the Services through your account except through seats or sub-users that you create and manage in accordance with these Terms. You remain responsible for the acts and omissions of every seat and sub-user.

Notify us promptly at support@fuegoleadz.com if you suspect any unauthorized access to or use of your account. We are not liable for any loss arising from unauthorized use that results from your failure to safeguard your credentials.

Fuego operates a business-to-business marketplace for insurance lead data. We run our own opt-in advertising campaigns, capture consumer information through our own forms, and make that information available for purchase by licensed insurance agents and agencies through one-time pack purchases and weekly subscriptions.

Lead packs are offered by product, tier, and source, and the specific filters, volume, and exclusivity of a pack are described in the portal at the time of purchase. The price, tier, and availability shown in the portal at the time you place an order are the terms that apply to that order.

Fuego is a provider of lead data and software. We are not your agent, partner, employer, joint venturer, or business associate, and we do not place calls or send messages to consumers on your behalf. Your relationship with each consumer, and your compliance when contacting that consumer, are solely your responsibility.

Payments are processed by our third-party payment processor, Stripe. By purchasing, you also agree to Stripe's applicable terms. Fuego does not store your full payment card number; card data is handled by Stripe. You authorize us and Stripe to charge your selected payment method for all amounts due, including taxes and any applicable fees.

Lead packs are sold as one-time purchases or as weekly subscriptions. Weekly subscriptions automatically renew at the then-current price each week until cancelled. By starting a subscription, you authorize these recurring charges until you cancel.

You can cancel a subscription at any time from the My Subscriptions area of the portal. Cancellation stops future billing cycles. It does not retroactively refund a completed cycle, and leads already delivered in the current cycle remain governed by the Lead Purchase Agreement and Section 6 of these Terms.

You are responsible for any sales, use, or similar taxes associated with your purchases, other than taxes based on Fuego's net income. We may charge a reasonable processing fee for any chargeback and may suspend an account for chargeback abuse or other payment fraud. Prices, packs, and availability may change over time, and we do not offer retroactive price adjustments on completed orders.

All lead purchases are final and non-refundable. Fuego does not guarantee lead replacements, account credits, or cash refunds. Any replacement or credit is issued only at Fuego's sole discretion, as described in this Section and in the Lead Purchase Agreement, and requests are reviewed by an administrator.

Fuego may, at its sole discretion, consider a replacement or credit when, within the applicable return window, a lead is demonstrably invalid or falls outside the criteria you purchased, for example a disconnected or invalid phone number, a wrong or duplicate record, a record outside your purchased filters, a consumer who is deceased, or a record where the consumer never submitted an inquiry. Any reason codes surfaced in the portal describe when Fuego may consider a request, not a guarantee that one will be granted.

Grounds that Fuego will not consider include no answer, the consumer not converting, the consumer changing their mind, your contacting the lead outside a reasonable window, and any failure that results from your own compliance, process, or staffing. When Fuego chooses to grant one, a discretionary remedy is issued as a replacement lead or account credit and may be subject to caps, it creates no entitlement, and it does not modify the no-guarantee terms in Section 8.

The specific replacement criteria, return windows, and mechanics are set out in the Lead Purchase Agreement, which governs in the event of any conflict with this summary.

You agree to use purchased leads only for your own licensed insurance solicitation and for no other purpose. You may not resell, redistribute, syndicate, broker, trade, share, or otherwise transfer any lead or lead data to any third party. Leads are for your own internal, licensed use only, as further described in the Lead Purchase Agreement.

You may not reverse-engineer, scrape, or harvest data from the Services; introduce malware or harmful code; circumvent rate limits, security controls, or billing; or interfere with the integrity or performance of the Services.

You may not use the Services in any manner that violates the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule (TSR) or any federal or state Do-Not-Call rules, CAN-SPAM, any state mini-TCPA or telemarketing law, or any 10DLC or CTIA messaging requirement. You may not use the Services to harass, defraud, or mislead any consumer, and you may not send SHAFT-regulated or otherwise prohibited content.

You are solely responsible for maintaining your own Do-Not-Call hygiene, for confirming a lawful basis to contact each consumer through each channel and in each jurisdiction before doing so, and for honoring revocations and quiet-hour and frequency limits. Specific compliance covenants appear in the Lead Purchase Agreement.

Fuego and its licensors own the Services, including the platform, software, user interface, lead-scoring and matching logic, databases, and all related trademarks, service marks, logos, and other intellectual property. Except for the limited license to use purchased leads granted under the Lead Purchase Agreement, no rights are transferred to you.

Subject to your full compliance, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your internal business purposes during the term of your account. This license does not include any right to use Fuego's name, marks, or branding without our prior written permission.

If you provide feedback or suggestions about the Services, you grant Fuego a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without obligation to you.

You consent to receive these Terms, the Lead Purchase Agreement, the Privacy Policy, notices, disclosures, receipts, and other records relating to the Services in electronic form, and you agree that electronic delivery satisfies any legal requirement that such records be in writing. Your clickwrap acceptance, together with the date, time, and IP address recorded at acceptance, constitutes your electronic signature.

To use the Services you need a device and software capable of accessing and retaining electronic records, including a current web browser, internet access, and a valid email address. You are responsible for keeping your email address current.

You may withdraw your consent to receive records electronically by contacting us at support@fuegoleadz.com. Because the Services are delivered electronically, withdrawing consent will end your ability to use the Services and may result in account closure.

THE SERVICES AND ALL LEADS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

FUEGO DOES NOT WARRANT THAT ANY LEAD WILL RESULT IN A SALE, APPOINTMENT, CONTACT, CONVERSION, OR ANY PARTICULAR RETURN ON INVESTMENT, OR THAT LEAD DATA IS ERROR-FREE, COMPLETE, OR CURRENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR FREE OF DEFECTS.

Nothing in the Services is legal, compliance, regulatory, tax, or insurance advice. Information we provide about the TCPA, Do-Not-Call rules, 10DLC, or state telemarketing laws is general and informational only, and you remain solely responsible for confirming your own compliance and obtaining your own professional advice.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In that case, such warranties are limited to the minimum scope and duration permitted by law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FUEGO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FUEGO'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID TO FUEGO IN THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, and nothing in these Terms limits liability that cannot be limited by law, including for gross negligence or willful misconduct where applicable. In those jurisdictions our liability is limited to the greatest extent permitted by law.

You will indemnify, defend, and hold harmless Fuego and its officers, directors, employees, and agents from and against any claims, damages, penalties, fines, losses, and costs, including reasonable attorneys' fees, arising out of or relating to: (a) your use of any lead; (b) your calls, texts, emails, or other contact with consumers; (c) your violation of the TCPA, the TSR or federal or state Do-Not-Call rules, CAN-SPAM, any state mini-TCPA or telemarketing law, any 10DLC or CTIA requirement, or any insurance law; (d) your breach of these Terms or the Lead Purchase Agreement; or (e) any misrepresentation regarding your licensure.

Fuego may, at its option and expense, participate in the defense of any matter subject to indemnification using counsel of its choice, and you will not settle any such matter in a way that imposes any obligation or admission on Fuego without our prior written consent.

These Terms apply for as long as you use the Services or maintain an account. Either party may terminate at any time. You may close your account by contacting us. We may suspend or terminate your access immediately, with or without notice, for breach of these Terms or the Lead Purchase Agreement, for compliance or fraud risk, for a lapse or revocation of your license or NPN, or for chargeback abuse or payment fraud.

On termination for cause, you are not entitled to a refund of any prepaid credits or subscription amounts. Your limited license to leads purchased before termination survives subject to the restrictions in the Lead Purchase Agreement, including the prohibition on resale.

The provisions that by their nature should survive termination will survive, including Sections 6 through 15, any accrued payment obligations, and any limitations on Fuego's liability.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.

Agreement to arbitrate. Except as set out below, you and Fuego agree that any dispute, claim, or controversy arising out of or relating to the Services or these Terms will be resolved by final and binding individual arbitration, administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules (or its Consumer Arbitration Rules where they apply, including the revised Consumer Rules effective May 1, 2025). The arbitration will be governed by the Federal Arbitration Act. Judgment on the award may be entered in any court of competent jurisdiction.

CLASS-ACTION WAIVER. ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A CLASS OR REPRESENTATIVE PROCEEDING. This class-action waiver is an essential part of this agreement to arbitrate and is intended to survive and be enforced independently. If the class-action waiver is found unenforceable as to any claim, that claim must be severed and heard in court, while all other claims remain in arbitration.

Exceptions. This Section does not require arbitration of (a) qualifying claims that may be brought in small-claims court, so long as they remain individual, or (b) claims for injunctive or other equitable relief to protect a party's intellectual property or confidential information. Arbitration will take place in Orange County, Florida or another location the parties agree on, and need not be at a location unreasonably distant from you.

30-day opt-out. You may opt out of this arbitration agreement by sending written notice to support@fuegoleadz.com or to Fuego Leadz LLC, 5728 Major Blvd, Orlando, FL 32819 within 30 days after you first accept these Terms. Your notice must include your name, account email, and a clear statement that you opt out of arbitration. Opting out of arbitration does not affect any other part of these Terms, and the class-action waiver above continues to apply to the extent permitted by law.

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Subject to the arbitration provisions in Section 13, you and Fuego submit to the exclusive jurisdiction and venue of the state and federal courts located in Orange County, Florida for any matter not subject to arbitration.

We may update these Terms from time to time. Material changes are reflected in the version number and effective date at the top of this page, and where required we will provide notice by email or through the portal. Your continued use of the Services after a change takes effect means you accept the updated Terms. We retain prior versions of these Terms for reference.

These Terms, together with the Lead Purchase Agreement and the Privacy Policy, are the entire agreement between you and Fuego regarding the Services and supersede any prior agreements on that subject. If any provision is held unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force. This severability rule applies with particular force to Section 13.

Our failure to enforce any provision is not a waiver of it. You may not assign or transfer these Terms without our prior written consent, and any attempt to do so is void. Fuego may assign these Terms, including in connection with a merger, acquisition, or sale of assets. The parties are independent contractors, and nothing here creates an agency, partnership, joint venture, or employment relationship. Neither party is liable for delays or failures caused by events beyond its reasonable control.

Notices to you may be sent to the email associated with your account or posted in the portal. Notices to Fuego must be sent to support@fuegoleadz.com or to Fuego Leadz LLC, 5728 Major Blvd, Orlando, FL 32819, with a copy by email. For questions about these Terms, email support@fuegoleadz.com or write to Fuego Leadz LLC, 5728 Major Blvd, Orlando, FL 32819.

This document is provided for product and informational purposes and is not legal advice. See our Privacy Policy and SMS Terms for related disclosures about how consumer data is collected, used, and contacted.