Lead Purchase Terms

These terms apply every time you buy leads from WeGenerate in your portal (Marketplace → Leads), including fresh orders, aged orders and orders that fill over several days. You accept them by ticking “I agree to the Lead Purchase Terms” before you pay. We record the version you accepted, the date and time, and your IP address with the order. The Terms of Service and your Agent Agreement also apply.

1. What you are buying

A lead is the contact details and answers a consumer gave when they asked to be contacted about insurance, together with the record of their consent. Leads are delivered into your CRM as they are matched to your order. Prices, quantities, delivery days, hours and the daily maximum are the ones shown in the buy sheet when you place the order. A product marked exclusive is sold to one agent only while the lead is fresh. After 45 days a lead, sold or not, may be offered again in the aged store: each age band of a lead sells to one agent at most, and never to an agent who has already received that person.

2. All sales are final

Leads are sold, not rented. By purchasing leads you understand that all sales are final, and you waive your right to a refund of the purchase price except in the cases below:

• Fresh orders run until filled. A fresh (real-time) order shown as “Open until filled” in the buy sheet and on your receipt has no close date. Leads keep coming until every lead on the order is delivered, however long that takes. Fill times vary with advertising volume and market conditions; stated fill estimates are good-faith estimates, not deadlines. You can pause the order, but you cannot close it for money back. If we close it ourselves before it fills, the undelivered part goes back to your wallet. This includes every week’s order on a weekly plan you start under these terms: canceling the plan stops future renewals, but owed leads keep coming until each order is filled.
• Orders with a close date. Aged orders and any order whose buy sheet and receipt show a close date (including fresh orders and weekly plans started under an earlier version of these terms): if the order closes (it expires, you close it, or we close it) before every lead is delivered, the undelivered part goes back to your wallet automatically.
• Replacement policy. You can ask for a replacement within 72 hours after the order is filled, for up to 20% of the leads on that order, for one of these reasons: disconnected number, duplicate of a lead you received in the last 60 days, consumer older than 85, consumer outside the states you ordered, or, for aged leads, an aged lead that was already sold. On fresh (real-time) paid orders, if the phone carrier reports a lead’s number as dead when we text the lead to introduce you, that lead is returned and replaced automatically; for any other lead, ask for the replacement yourself. Where a product shows a different window or percentage, the one on the product applies. Approved replacements are new leads on the same order, not cash. The Lead Replacement Policy explains this in plain English, with an example.

A lead that does not answer, goes to voicemail (including a Spanish voicemail), is a wrong number or has wrong information, is not interested, does not qualify for a product or does not buy is not a reason for a replacement. Free leads are never replaced, and neither is a lead whose phone number was verified with a code when it was captured, unless you bought it as an aged lead. Approved replacements arrive on the same delivery days and hours as the order; they do not count toward its daily maximum.

3. No chargebacks

Lead purchases are paid from your prepaid wallet. You agree not to dispute a lead purchase, or the wallet deposit that paid for it, with your card issuer, bank or payment processor. Use the replacement request in your portal, or contact support, instead. A chargeback or payment dispute on a lead purchase is a breach of these terms: we may contest it with the order record, suspend your account and recover the amount from your balance. A chargeback is not a remedy and forfeits any replacement.

4. Contacting your leads is your responsibility

• Calling and texting laws. You will follow the Telephone Consumer Protection Act, the Telemarketing Sales Rule, the National Do-Not-Call Registry and state do-not-call lists, state telemarketing and calling-hour rules, and insurance marketing rules (including Medicare marketing rules where they apply) every time you call, text or email a lead.
• Consent covers the named partners only. Each consumer consented to be contacted by WeGenerate and the insurance agencies and agents on our Marketing Partners list in force when they submitted their request. A lead is only delivered to an agent on that list. You may contact the lead yourself, as the licensed agent who bought it; you may not pass, sell or share it with anyone else, or use it for any product other than the one the consumer asked about.
• Opt-outs. If a consumer asks you to stop, by text (STOP), on a call, by email or in any other reasonable way, you must stop contacting them and mark them Do-not-call in your CRM. An opt-out we receive, or that any buyer of that consumer receives, is applied to every buyer of that consumer, including you, and you must honour it as soon as it appears in your CRM.
• Licensed states only. Leads are delivered only in the states you are licensed in for that product. You will contact a lead only if you hold a current licence (and any appointment the product needs) in the consumer’s state.
• Licensing. You may contact a lead only about insurance you are licensed and appointed to sell in that consumer’s state. You will not contact leads in a state where your licence is inactive.
• Hours and frequency. You will contact leads only between 8 am and 8 pm in the consumer’s local time (or stricter state hours), and no more than 3 calls and texts in total in any 24 hours. These limits apply however you contact the lead; using another dialer or phone does not remove them.
• Channels. You will use only the channels the consumer consented to. Each text identifies you and your agency. You will not change a lead’s phone number and contact the new number under the original consent.
• Records and cooperation. You will keep your call and text records for 5 years and send them to us within 2 business days when we ask in connection with a consumer complaint or claim.
• Revocation. An opt-out given to you in any reasonable way must be entered in your CRM within 1 business day. We will apply it to every buyer of that consumer.

5. Your account and the data

Keep your sign-in details private; every order placed from your account is yours. Lead data may be used only to serve that consumer. You are responsible for any fines, claims or losses that result from how you contact your leads or from a breach of these terms, and you will cover WeGenerate for them. We may suspend lead buying for a consumer complaint, misuse of a lead, an ignored opt-out or a chargeback.

6. Changes

We may update these terms. The version you accepted applies to the orders you placed under it; a new version applies only to orders placed after you accept it. Questions go to support through your portal.