Terms of Service
Effective January 1, 2026
1. Acceptance
These Terms of Service ("Terms") govern your access to and use of the Leadality platform (the "Service"), operated by Opervex, LLC. By creating an account, you agree to be bound by these Terms and our Privacy Policy. If you are signing up on behalf of an organization, you represent that you have authority to bind that organization.
2. The Service
Leadality provides software for licensed U.S. life insurance agencies to receive consumer-initiated quote requests with verifiable consent. We do not sell insurance, are not a licensed insurance producer, and do not provide regulated advice.
3. Eligibility
You must be (a) at least 18 years old, (b) a U.S. resident or business, and (c) a licensed insurance producer (or employee thereof) in every state where you receive leads through the Service. You warrant the foregoing on every login.
4. Your obligations
- License compliance. Maintain all applicable state insurance licenses and any state-specific telemarketing registrations (e.g., Texas Telephone Solicitation Act registration).
- Per-state TCPA compliance. Honor STOP requests and revocations the moment you receive them, regardless of channel.
- Permitted use of leads. Use leads only to provide insurance quotes to the named consumer. Do not resell, retransmit, or use leads for any other product.
- Data security. Treat consumer personal information with at least the same care you treat your own customer data.
- Honest representation. Do not misrepresent the Agency you act on behalf of or the products you offer.
5. Fees + payment
Pricing is shown on our Pricing page at the time of signup. Monthly subscription fees recur on the same day each month. Per-qualified-lead fees are billed monthly in arrears based on actual deliveries during the period.
Quality floor: we do not charge for any lead with a composite quality score below 0.7 (no working phone, stale data, or on a suppression list). Replacement is provided within 24 hours.
Failed payments suspend new lead delivery until resolved. Refunds are issued at our discretion for service outages or quality failures.
6. Lead exclusivity
Every lead we deliver is exclusive to one Agency. We do not deliver the same lead to multiple Agencies. We do not resell aged leads to third parties.
7. Compliance materials
We provide TCPA-compliant disclosure copy, an immutable consent ledger, and (where contracted) TrustedForm certificates from ActiveProspect. We are not your attorney. You remain solely responsible for your compliance posture and any contact you make with a consumer.
8. Intellectual property
The Service, including all software, templates, and disclosure copy, is owned by Opervex, LLC. You receive a non-exclusive, non-transferable license to use the Service for your business purposes during your subscription.
Consumer data delivered to you is owned by the consumer; you receive a limited license to use it consistent with the consent provided.
9. Termination
Either party may terminate with 30 days' written notice. We may suspend or terminate immediately for material breach (failure to honor opt-outs, license lapses, fraud, non-payment). Upon termination, your access ends, but we retain consent records for the periods stated in the Privacy Policy.
10. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE FEES YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT. WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
We are not liable for TCPA, FCC, or state regulatory penalties arising from your contact practices after lead delivery. Our compliance tooling is a defense aid, not a guarantee.
12. Indemnification
You agree to defend, indemnify, and hold harmless Opervex, LLC, its officers, directors, employees, and agents from any claim arising out of (a) your use of the Service in breach of these Terms, (b) your contact with any consumer, or (c) your violation of any law, including the Telephone Consumer Protection Act.
13. Dispute resolution
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Any dispute will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, in Hillsborough County, Florida. You waive any right to participate in a class action or class arbitration.
14. Changes
We may update these Terms. Material changes will be announced at least 30 days before they take effect. Continued use after the effective date constitutes acceptance.