Terms of Service

By accessing LeadLobster.ai and purchasing leads, you agree to these terms. Please read them carefully.

1. Lead Delivery

LeadLobster delivers verified homeowner leads sourced from proprietary data systems and licensed commercial providers. 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 credits roll over up to 2x your monthly plan maximum.

1b. Enrichment Credits

In addition to leads, your subscription includes a monthly allotment of 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 (35/mo), Pro (100/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.

2. Exclusivity

Each territory is limited to a maximum of 5 active agents. Once your territory is full, new agents are placed on a waitlist. Exclusivity is maintained for the duration of your active subscription.

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.

4. Billing & Cancellation

Subscriptions are billed monthly. You may cancel at any time — your access continues through the end of your current billing period. 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.

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.

5. Data Sources & Privacy

LeadLobster uses proprietary data sources and licensed commercial data providers 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.

6. Data Accuracy

We make reasonable efforts to verify contact information, but we do not guarantee 100% accuracy. Phone numbers and email addresses are sourced from multiple data providers and may occasionally be outdated. Credits are not issued for individual leads with incorrect contact information.

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

These terms are governed by the laws of the State of Florida. Any dispute arising from these terms shall be resolved through binding arbitration in Virginia Beach, Virginia, under the rules of the American Arbitration Association. Either party may seek injunctive relief in a court of competent jurisdiction. You agree to waive any right to a jury trial.

9. Changes to Terms

We may update these terms with 30 days notice. Continued use of the service after notice constitutes acceptance.

10. Contact

Questions? Email [email protected].