Last updated: October 18, 2026
Welcome to ViaFlow Marketing. By accessing or using our website and services, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our services.
Owner/Operator: ViaFlow Marketing ("ViaFlow Marketing," "we," "our," or "us")
Website: www.viaflowmarketing.com (including subdomains and mobile versions)
Email: [email protected]
These Terms cover two things: lead purchases (exclusive and aged insurance leads bought through our website, covered in Section 3) and marketing services (done-for-you campaigns under a monthly retainer or setup fee, covered in Sections 4 through 8). Everything else applies to both.
By accessing the Site or purchasing/using our services (the "Services"), you ("Client," "Buyer," "you," or "your") agree to these Terms. If you are entering into this Agreement on behalf of a company or other entity, you represent that you have the authority to bind that entity. If you do not agree, do not use the Site or Services.
By visiting our website, subscribing to our services, or engaging with our content, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree, you should discontinue use immediately.
The Services purchased by you will be described in an executed Marketing Services Agreement, Insertion Order, or Order Form. This may include but is not limited to:
Any free trials, promotional offers, or complimentary services are subject to these Terms.
This section applies to every lead order placed through our website, including final expense, life insurance, trucker IUL, and aged leads ("Leads").
Who can buy: You must be at least 18 and hold an active insurance license in every state you select. You may only use Leads to offer insurance products you are licensed and appointed to sell.
Exclusive leads: An exclusive Lead is delivered to one buyer and is not sold to any other buyer, including as an aged Lead. Exclusive Leads are generated from our own advertising after your order and delivered in real time by Google Sheet, text message, or a connection to your CRM, as chosen at checkout. Leads usually begin arriving within 1 to 2 business days after payment, and most orders are filled within 5 to 7 business days. Larger orders, fewer states, and ad platform reviews can make delivery take longer. Delivery times are estimates, not guarantees.
Aged leads: Aged Leads are 30 to 90 days old, are not exclusive, and may have been contacted before. They are delivered as a spreadsheet by email within 2 to 3 business days after payment confirmation. Aged Leads are sold as-is and are not eligible for replacement. Aged orders require at least 5 states.
Prices and payment: Prices, minimum quantities, and totals are shown on the order page at the time of purchase. Card payments are processed by Stripe. Orders of $5,000 or more are paid by bank transfer against an invoice we send, and delivery begins once funds clear. Your order begins only after payment is confirmed.
First-order bonus: When advertised, a buyer's first exclusive order receives 5 additional Leads at no charge when it includes at least 30 Final Expense or Life Leads, or at least 20 Trucker IUL Leads. One bonus per buyer or agency. The bonus has no cash value and may be changed or ended at any time.
Replacement policy (exclusive Leads only): You may request a replacement within 72 hours of receiving a Lead if: (1) the phone number is not in service and the email address is undeliverable; (2) the Lead lives outside the states you selected; (3) the name or information is clearly fake; (4) the Lead is outside the product's stated age range; or (5) the Lead is a duplicate of one already delivered to you. Replacements are capped at 20% of the Leads in your order. Leads that don't answer, hang up, aren't interested, or don't buy are not eligible. Send requests to [email protected] with the Lead's name, phone number, and reason. We may verify the reason before approving. Approved replacements are added to your original delivery.
No refunds or cancellations: All lead sales are final. Orders can't be cancelled or refunded once payment is confirmed, except that if we cannot fill an exclusive order in your selected states, we will refund the price of the Leads not delivered.
Chargebacks: By placing an order you agree that you will not dispute or charge back a payment for Leads that were delivered under these Terms. If you have a problem with an order, contact us first at [email protected] and we will work to resolve it. If you file a chargeback for a delivered order, we will provide evidence of your order, your agreement to these Terms, and delivery to your card issuer; your account may be closed; and we may pursue the amount owed plus any dispute fees and reasonable collection costs.
Your compliance: Every Lead submitted a form agreeing to be contacted by a licensed insurance agent. You are solely responsible for how you contact Leads, including following the TCPA, the Telemarketing Sales Rule, the National Do Not Call Registry and state do-not-call lists, state telemarketing and insurance laws, and carrier rules, and for honoring every opt-out request. You may not resell, share, or transfer Leads to anyone else.
No guaranteed results: We guarantee delivery of the Leads you ordered, not contact rates, appointments, policies sold, or income.
Fees: You agree to pay all service fees, setup fees, or media spend management fees described in your signed agreement or invoice.
Billing: Payments are charged in U.S. Dollars via ACH, credit/debit card, or other approved method.
Due date: Retainer fees are billed monthly in advance. One-time setup fees are due before work begins, unless otherwise specified.
Ad spend: Advertising spend is separate from our fees and is paid directly by you to the ad platforms (such as Meta) unless your agreement says otherwise.
Late/failed payments: If payment cannot be processed, Services may be suspended or terminated until payment is received.
No refunds: Fees paid to ViaFlow Marketing are non-refundable unless expressly stated in your signed agreement.
Initial term: Services begin upon acceptance of your signed agreement and receipt of first payment.
Renewal: Unless otherwise agreed, Services continue month-to-month after the initial term.
Client cancellation: You may cancel Services with 30 days written notice to [email protected].
Termination for cause: We may terminate this Agreement if you materially breach your obligations and fail to cure within 30 days of notice.
Suspension: We may suspend Services immediately in the event of fraudulent activity, misuse, or failure to pay.
You agree to:
This section applies to marketing services, not to leads bought through our website (see Section 3). Campaigns run in ad accounts and CRM systems owned by you, or transferred to you on request. Leads generated for your campaigns are yours and are not resold or shared with other clients.
Lead quality and volume depend on factors outside our control, including your offer, pricing, market, ad budget, sales process, and speed to contact. We do not guarantee any number of leads, appointments, sales, or revenue unless expressly stated in a signed agreement.
You are responsible for following up with leads and for the products or services you provide to them.
Client content: You retain ownership of your trademarks, logos, and proprietary materials you provide. You grant us a license to use them solely for delivering the Services.
Our work: Unless otherwise agreed in writing, we retain ownership of ad creatives, funnel designs, and systems we build, except where your marks or proprietary elements are incorporated.
The Services are provided "as is" and "as available." We make no guarantees regarding lead volume, conversion rates, or business outcomes unless expressly stated in writing in your Order Form. To the fullest extent allowed by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages (lost profits, lost data, etc.). Our total liability for any claim shall not exceed the total fees paid by you to ViaFlow Marketing in the 12 months preceding the claim.
You agree to indemnify and hold harmless ViaFlow Marketing, its owners, employees, and affiliates from any claims, damages, or expenses arising out of your:
Both parties agree to keep confidential all non-public business, technical, or financial information obtained during the course of the relationship and shall not disclose such information to any third party except as required by law.
This provision does not restrict either party from referencing the existence of the business relationship for marketing or promotional purposes, including the use of company names or logos, unless otherwise agreed to in writing.
Informal resolution: Parties agree to attempt good-faith resolution of disputes before formal action.
Arbitration: Except for IP disputes or small claims, disputes shall be resolved by binding arbitration under the American Arbitration Association (AAA).
Venue: Arbitration shall occur in Orange County, Florida. Governing law: State of Florida.
These Terms, together with any signed agreements, represent the entire agreement between Client and ViaFlow Marketing.
If any provision is found unenforceable, the remainder will remain in effect.
Neither party may assign this Agreement without prior written consent, except we may assign in connection with a merger or sale.
Parties are independent contractors; no joint venture or partnership is created.
ViaFlow Marketing
Email: [email protected]
Website: www.viaflowmarketing.com