Terms of Service

1. Lead Delivery

LeadLobster delivers verified homeowner leads from licensed data sources. Leads are exclusive to your territory — once assigned to you, they will not be sold to another agent in your county.

Lead volume and quality may vary. We do not guarantee a minimum number of leads per period, though we make best efforts to fulfill your monthly allotment. Unused lead allotment rolls over up to 2× your monthly plan maximum.

1b. Enrichment Credits

In addition to leads, paid subscriptions include a monthly allotment of self-enrichment credits. Credits allow you to submit your own contacts for enrichment through our intelligence platform. Credit allotments vary by plan: Starter (10/mo), Growth (25/mo), Pro (50/mo). Unused credits do not roll over to the next billing period. Credits have no cash value and are non-transferable. Upon cancellation, unused credits are forfeited at the end of the current billing period. Enrichment results are provided on an as-is basis — accuracy may vary based on the quality of information you provide.

1c. Trial Access

LeadLobster does not offer a public free trial. New accounts are created via a paid monthly plan; all plans are month-to-month with no contract and may be cancelled at any time under § 4 (Cancellation).

If we re-introduce a trial or sample-access path in the future, the terms will be published in this section before the path goes live, with thirty (30) days’ notice under § 9 (Changes to Terms and Pricing).

Existing accounts that were created during the prior trial window retain access to leads already delivered to their dashboards. Any unused trial allotment expires according to the terms in effect when the account was created.

2. Exclusivity

Florida is divided into six (6) territories. Your subscription grants exclusive access to one territory; you receive scored leads from every county within it. Each territory has a limited number of active subscriber slots. Once a territory is full, new agents are placed on a waitlist and admitted when a slot becomes available. Per-lead exclusivity is maintained for the duration of your active subscription — every lead delivered to your dashboard is sold once, to you.

3. Acceptable Use

Leads are provided for lawful insurance sales outreach only. You agree to:

• Comply with all applicable federal and state telemarketing laws, including the TCPA and Do Not Call regulations
• Not resell, redistribute, or share leads with third parties
• Not use leads for any purpose other than insurance sales
• Honor Do Not Call flags — phone numbers marked DNC must not be cold-called

3b. Indemnification

You agree to indemnify, defend, and hold harmless LeadLobster LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney’s fees) arising from: (a) your use of leads or enrichment data; (b) your outreach activities, including any violations of TCPA, TSR, state telemarketing laws, or Do Not Call regulations; (c) your breach of these terms. LeadLobster provides data enrichment and lead generation services — we do not initiate, direct, or control your communications with homeowners.

3c. TCPA Compliance Notice

Lead data delivered through LeadLobster does NOT constitute prior express written consent under the Telephone Consumer Protection Act (TCPA), the FCC’s one-to-one consent rule (47 CFR § 64.1200, effective January 27, 2025), or any state-law equivalent (including Florida’s telemarketing statute, Fla. Stat. § 501.059). You — the subscribing agent — are solely responsible for establishing TCPA-compliant consent before initiating any communication that requires it.

Communications that do require prior express written consent under federal law include, without limitation:

• Calls placed using an automatic telephone dialing system (ATDS) or autodialer;
• Calls that deliver a prerecorded or artificial voice message;
• Ringless voicemail drops;
• SMS or MMS marketing messages, including bulk text campaigns sent through any platform that uses random or sequential number generation, or that uses a stored list to send at volume.

Manual, person-to-person calls and emails to the contact information in a delivered lead are not subject to TCPA’s autodialer or prerecorded-message rules, but remain subject to the federal Do Not Call registry, state-level Do Not Call regulations, Florida’s mini-TCPA, and any applicable state-law restrictions on unsolicited contact.

Before contacting any lead you are responsible for: (a) scrubbing the contact against the federal DNC registry and any applicable state-level DNC lists; (b) obtaining any prior express written consent that your contact method requires under federal or state law; and (c) maintaining records of consent and DNC scrubbing sufficient to demonstrate compliance in the event of a complaint or enforcement inquiry.

LeadLobster does not provide TCPA-compliant consent on your behalf, does not act as your TCPA compliance vendor, and does not assume any of your TCPA, FCC, or state-law obligations. Indemnification under § 3b applies in full to TCPA, FCC enforcement, and state-law telemarketing claims arising from your outreach.

4. Billing & Cancellation

Subscriptions are billed monthly. You may cancel at any time — your active access continues through the end of your current billing period. After that period closes, your account enters a read-only window described in § 4e (Post-Cancellation Lead Access). No refunds are issued for partial months or unused leads beyond the rollover policy.

Failed payments result in a grace period of 7 days. If payment is not resolved, your subscription is paused and your territory slot may be released subject to the 14-day re-subscription hold described in § 4e.

4b. No Guarantee of Results

LeadLobster provides verified homeowner intelligence and contact data. We do not guarantee that any lead will result in a sale, policy binding, or any specific business outcome. You are solely responsible for your sales process, compliance, and client relationships.

4c. Suspension and Termination for Cause

In addition to the failed-payment process described in § 4, we may suspend or terminate your account, with or without prior notice, if we determine in good faith that you have:

• violated § 3 (Acceptable Use), including reselling, redistributing, or sharing leads with parties outside your subscriber organization;
• violated § 3c (TCPA Compliance Notice), or generated material consumer complaints, FCC enforcement inquiries, or attorney-general inquiries arising from your outreach;
• breached the indemnification obligations in § 3b;
• committed fraud, misrepresentation, or chargeback abuse against LeadLobster or our payment processors;
• attempted to access the platform’s systems, data, or other subscribers’ accounts without authorization, or attempted to scrape, mirror, or programmatically extract our inventory beyond the scope of your dashboard;
• exhibited a pattern of conduct that creates legal exposure, reputational harm, or safety risk to LeadLobster, our staff, other subscribers, or the homeowners whose data we deliver.

Where reasonably possible, we will give you notice and an opportunity to cure, but we may suspend immediately when continued access creates ongoing legal or operational risk. Termination for cause forfeits any unused leads, enrichment credits, and rollover allotments; no refund is owed.

Your indemnification obligations under § 3b survive termination, as do any obligations of confidentiality and restrictions on use of delivered lead data.

4d. Chargebacks

Before initiating a chargeback or payment dispute with your card issuer or bank, please contact support@leadlobster.ai so we can resolve any billing concern directly. Initiating a chargeback for a charge you authorized — including charges for delivered leads, enrichment credits used, and active subscription periods — may result in immediate account termination under § 4c, forfeiture of any remaining lead or credit balance, and recovery of disputed amounts through collection.

We will issue refunds, credits, or adjustments where warranted; chargebacks should be reserved for genuinely unauthorized charges or billing errors that cannot be resolved through support.

4e. Post-Cancellation Lead Access

Your leads stay accessible in your dashboard through the end of your billing period. After that, your account is downgraded to a read-only state for ninety (90) days so you can finish working any leads you have already received. We do not delete anything without notice.

What read-only mode includes. View access to all leads delivered to your account before the cancellation date. Your dashboard continues to function for follow-up workflow on those existing leads, including notes, status updates, and inline contact features.

What read-only mode does not include. No new leads are delivered. Only leads that were delivered before the subscription ended remain visible — leads that would have been delivered to your territory during the read-only window are assigned to other subscribers. Bulk export of contact data (including CSV download) is disabled, consistent with the no- resale and no-redistribution provisions of § 3 and § 5b. Self-enrichment credits are not available in read-only mode.

Territory hold and re-subscription. For fourteen (14) days after cancellation, your prior territory is held for you. If you re-subscribe within that window, your original territory assignment is restored automatically. After fourteen (14) days the slot is released to the waitlist for that territory, and re-subscription thereafter follows the standard signup or waitlist flow described in § 2.

End of the read-only window. Ninety (90) days after cancellation, dashboard access ends and your lead data is archived. Archived accounts may be restored by re-subscribing, subject to territory availability under § 2. We do not permanently delete archived account data without a separate notice and a reasonable opportunity to export your relationship records (notes, statuses, and other content you created in the dashboard — not the underlying LeadLobster lead records, which remain subject to the license restrictions in § 5b).

The lifecycle described in this section is the customer-facing contract for ordinary cancellations. Termination for cause under § 4c may proceed without the read-only window when continued access creates ongoing legal or operational risk.

5. Data Sources & Privacy

LeadLobster uses licensed data sources to identify and verify new homeowner leads. Lead data is provided exclusively to licensed insurance professionals for lawful business purposes.

LeadLobster does not sell, share, or distribute raw personal data to third parties. All data is stored securely on US-hosted infrastructure with appropriate safeguards.

Agents receiving leads are solely responsible for their own outreach compliance, including adherence to TCPA, state telemarketing laws, and Do Not Call regulations.

5b. Lead Data Ownership and Use

LeadLobster compiles homeowner intelligence from publicly available records and licensed data providers and licenses that intelligence to you for the limited purpose of conducting lawful insurance outreach to the named contact in your assigned territory.

You receive a non-exclusive, non-transferable, revocable license to use delivered lead data for that purpose. You do not own the underlying data, and the license terminates automatically when your subscription ends or your access is terminated under these terms.

Once a lead is delivered to you, you are responsible for any business relationship you build with that homeowner. If your subscription ends:

• Homeowner relationships you have established (bound policies, quoted prospects, retained clients) remain yours — we make no claim on your downstream business;
• Your continued license to use the original LeadLobster lead record ends — you may not maintain, share, or repurpose the LeadLobster-delivered contact records for new outreach after termination, and you may not transfer the records to any third party;
• Records you have lawfully created from your relationship with the homeowner (your own CRM entries, your own quotes, your own consents) remain yours.

6. Data Accuracy and Lead Replacement

We make commercially reasonable efforts to verify contact information before delivery, but we do not guarantee 100% accuracy. Phone numbers and email addresses may occasionally be outdated, disconnected, or incorrect.

Lead replacement. If a delivered lead has materially incorrect contact information — wrong-person phone, a disconnected line with no working alternative, an undeliverable email with no working alternative, or a property/owner mismatch — we will replace the lead from current inventory at no additional charge, subject to inventory availability and same-tier delivery. Submit replacement requests from your dashboard, or by emailing support@leadlobster.ai, within 14 days of original delivery.

Replacement does not refund the lead credit; the original lead is removed from your active inventory and the replacement is delivered in its place. Subjective concerns (“not the kind of homeowner I wanted” or “outside my preferred price band”) do not qualify for replacement; we replace for verifiable data defects only.

Where current inventory is insufficient to replace a defective lead within 30 days, we will issue a one-time credit to your next billing period in lieu of replacement.

7. Limitation of Liability

LeadLobster’s total aggregate liability arising from or related to these terms shall not exceed the fees paid by you in the three (3) months preceding the claim. In no event shall LeadLobster be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits or revenue, whether or not foreseeable.

8. AI Chatbot

LeadLobster.ai uses an AI-powered chat assistant (“Larry”) to answer questions and help connect you with our sales team. By using the chatbot, you acknowledge that:

• Larry is an AI assistant, not a licensed insurance agent or broker
• Responses are informational only and do not constitute insurance advice, legal advice, or binding offers
• Conversations may be recorded and stored for quality assurance and lead management purposes
• Information you provide (name, email, county) may be used to contact you about our services
• AI responses may occasionally contain errors — verify any specific claims with our team
• Pricing and availability discussed in chat are subject to confirmation by our sales team

Do not share sensitive personal information (SSN, financial details, passwords) in the chat. LeadLobster is not responsible for any decisions made based solely on chatbot responses.

8b. Dispute Resolution; Class Action Waiver

These terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Any dispute arising from or related to these terms, including any question regarding their existence, validity, or termination, shall be resolved through binding individual arbitration administered by the American Arbitration Association in Virginia Beach, Virginia, under the AAA Commercial Arbitration Rules then in effect. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent or stop misuse of intellectual property, confidential information, or systems access without waiving the rest of this clause.

Class action and class arbitration waiver. You and LeadLobster each agree that any dispute will be brought only in your or our individual capacity, not as a plaintiff or class member in any purported class, collective, mass, or representative action. The arbitrator may not consolidate more than one party’s claims, may not preside over any form of class or representative proceeding, and may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide that relief. If a court or arbitrator finds this class waiver unenforceable for any reason, the unenforceable portion shall be severed and the remaining arbitration agreement shall remain in full force, but the dispute within the unenforceable scope shall proceed in court rather than in arbitration.

You and LeadLobster each waive any right to a jury trial.

9. Changes to Terms and Pricing

We may update these terms with 30 days’ prior notice — by email to the address on your account or by posting a revised version with an updated “Last updated” date. Continued use of the service after the notice period constitutes acceptance.

Pricing changes follow the same 30-day notice process. A price change applies only to billing periods that start after the notice period ends; your current billing period is grandfathered at the price you were paying when the change was announced. If you cancel during the notice period, you are billed only for periods that completed before the change took effect, with no early-termination fee.

10. General

(a) Severability. If any provision of these terms is found unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

(b) Entire Agreement. These terms, together with the Privacy Policy and any pricing or feature pages referenced from your account dashboard, constitute the entire agreement between you and LeadLobster regarding the service and supersede any prior or contemporaneous communications, proposals, or agreements concerning the same subject matter.

(c) Assignment. You may not assign or transfer your subscription or these terms without our prior written consent. We may assign these terms in connection with a merger, acquisition, financing, or sale of substantially all of our assets, with notice to you.

(d) Force Majeure. Neither party is liable for any failure or delay in performance caused by events beyond reasonable control, including hurricanes and other severe weather (a real concern for a Florida-operated service), acts of God, labor disputes, civil unrest, governmental action, internet or telecommunications outages, or acts of upstream suppliers or sub-processors. The affected party will use reasonable efforts to resume performance promptly.

(e) Waiver. Failure to enforce any provision of these terms is not a waiver of that or any other provision.

(f) Notices. Notices to you may be sent to the email address on your account; notices to us must be sent to support@leadlobster.ai with “Legal Notice” in the subject line.

11. Contact

Questions? Email support@leadlobster.ai.