Terms of service
These terms govern (A) the purchase of leads and related services from WeCoverLeads, and (B) the use of the wecoverleads.com website. By signing an insertion order, paying for leads, or using the website, you agree to them.
Part A — Lead purchase terms
1. Definitions
- Lead: the contact and quote information of a consumer who submitted a request for an insurance quote through a form operated by WeCoverLeads.
- Insertion Order (IO): the written order, signed or accepted by both parties, that specifies vertical, filters (states, age range, coverage, other criteria), daily cap, price, exclusivity, delivery method, term and any target CAC. In case of conflict, the IO prevails over these terms.
- Valid Lead: a Lead that matches the filters in the IO, whose phone number was verified by one-time passcode, and that carries a TrustedForm or equivalent consent certificate.
- Invalid Lead: a Lead that (a) has a disconnected, wrong or non-working phone number, (b) falls outside the state or age filters in the IO, (c) duplicates a Lead delivered to the same Buyer within the previous 90 days, or (d) was submitted with obviously fictitious information.
- Target CAC: the maximum cost per issued policy (or other acquisition event defined in the IO) that Buyer specifies in the IO.
2. Ordering and delivery
Each order is documented in an IO. We begin delivery within 48 hours of the IO being accepted and the first payment received, subject to Buyer providing working delivery credentials (CRM webhook, API, email or other method stated in the IO). Leads are delivered in real time as they are generated. Buyer may raise, lower or pause its daily cap with one business day's notice by email. Daily volumes may vary; we do not guarantee a minimum number of Leads per day unless the IO says so.
3. Exclusivity
Unless the IO states "shared", each Lead is exclusive: it is delivered to one Buyer only and is not resold, re-routed or aged. Shared Leads are delivered to no more than the number of buyers stated in the IO. Exclusivity applies to Leads we generate; consumers may independently request quotes elsewhere.
4. Pricing and payment
- Prices are per Valid Lead as stated in the IO, in US dollars, exclusive of taxes.
- Pilot orders and orders under the threshold stated in the IO are prepaid. Larger or recurring orders may be billed weekly or by card on file, or 50% in advance and 50% on delivery, as stated in the IO. Payment by card, bank transfer or wire.
- Prepaid balances are drawn down as Valid Leads are delivered. Unused prepaid balances remain available for 12 months from payment.
- Late payments accrue interest at 1.5% per month or the maximum allowed by law, whichever is lower, and we may pause delivery until the account is current.
5. Returns and replacement
Buyer may flag an Invalid Lead within 48 hours of delivery by email or through the delivery platform, stating the reason. We replace accepted Invalid Leads with new Valid Leads within 72 hours, or credit the price of the Lead against future deliveries. Replacement is the exclusive remedy for Invalid Leads. Leads that do not answer, are not interested, do not qualify medically or financially, or chose another provider are not Invalid Leads. Returns above 10% of Leads delivered in any calendar week may be reviewed for pattern and cause before acceptance.
6. Target CAC guarantee
Where the IO specifies a Target CAC, WeCoverLeads guarantees that Buyer will not pay more than the Target CAC per acquisition over the measurement period defined in the IO (by default, the pilot batch plus 30 days). If the measured CAC exceeds the Target CAC, WeCoverLeads will credit or refund the difference for that period, as elected in the IO. The guarantee applies only if Buyer:
- contacts each Lead within the speed-to-lead window stated in the IO (by default, a first call attempt within 5 minutes and at least 6 attempts over 7 days);
- reports lead dispositions and acquisition outcomes at least weekly in the format we provide;
- does not change its product, pricing, script or sales team materially during the measurement period; and
- is current on all payments.
Acquisitions include any policy issued or application taken with a consumer delivered as a Lead, whether closed during or after the measurement period, on the primary product or any other product. Buyer agrees to allow reasonable verification of reported outcomes.
7. Buyer obligations
Buyer represents and agrees that it:
- is properly licensed and in good standing to sell the insurance products for which it buys Leads, in every state for which it buys Leads;
- will use Leads only to contact the consumer about the product they requested, and will not resell, license, share or transfer Leads to any third party except its own licensed agents;
- will comply with all applicable laws when contacting Leads, including the Telephone Consumer Protection Act, the Telemarketing Sales Rule, federal and state do-not-call rules, state telemarketing and insurance laws, CAN-SPAM, and applicable privacy laws;
- will honor any consumer request to stop contact and notify us of it;
- will store Leads securely and protect the consumer information they contain; and
- will maintain the consent certificate delivered with each Lead and rely on its own compliance review of that consent before contacting the consumer.
8. Consumer consent and data
Each Lead is generated on a form that displays a prior-express-written-consent disclosure naming WeCoverLeads and its marketing partners, and each Lead is delivered with a TrustedForm or equivalent certificate documenting that consent. We do not guarantee that a consumer will not later revoke consent or dispute contact. Buyer is responsible for its own calling, texting and emailing practices and for verifying consent before contact.
9. No other guarantees
Except for the express commitments in sections 5 and 6, Leads are provided "as is". We do not warrant that any Lead will answer, respond, qualify or purchase, and we make no representation about Buyer's revenue or profit. Any performance figures we share are historical or illustrative.
10. Limitation of liability
To the fullest extent permitted by law, WeCoverLeads' total liability arising out of or relating to Leads or these terms will not exceed the amounts paid by Buyer in the three months before the event giving rise to the claim. Neither party is liable for indirect, incidental, consequential, special or punitive damages, or for lost profits, even if advised of their possibility.
11. Indemnification
Buyer will defend, indemnify and hold harmless WeCoverLeads and its officers, employees and contractors from any claim, fine, penalty or loss arising from Buyer's contact with consumers, Buyer's sales practices, Buyer's breach of section 7, or Buyer's violation of law. WeCoverLeads will defend and indemnify Buyer from claims that the form-level consent disclosure we operated failed to meet the requirements of the TCPA as in force on the date the Lead was generated.
12. Confidentiality
Pricing, volumes, performance data and the content of IOs are confidential to both parties and may not be disclosed except to advisers under a duty of confidence or as required by law.
13. Term and termination
Either party may end an IO with 5 business days' written notice. Prepaid balances are delivered or refunded at Buyer's election, less any Leads already delivered. Either party may terminate immediately for material breach not cured within 5 business days of notice, and WeCoverLeads may suspend delivery immediately if it reasonably believes Buyer is contacting consumers unlawfully. Sections 7 to 12 and 15 survive termination.
14. Changes
We may update these terms by posting a new version on this page; changes apply to IOs accepted after the "Last updated" date. Changes to an active IO require written agreement of both parties.
15. Governing law and disputes
These terms and each IO are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules. Any dispute that the parties cannot resolve within 30 days of written notice will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, conducted in English by videoconference or in Wilmington, Delaware. Either party may seek injunctive relief in court to protect confidential information or consumer data.
Part B — Website terms of use
16. Use of wecoverleads.com
The website is provided for information about our services and to allow prospective clients to contact us. You may not scrape, copy or reuse the site's content or design, interfere with its operation, or use it to send unsolicited communications. All content, trademarks and designs belong to WeCoverLeads or its licensors. Photographs are used under license. The site is provided "as is" without warranties of any kind, and links to third-party sites are provided for convenience only.
17. Contact
WeCoverLeads · CHADBODY SERVICES FZCO · Dubai Silicon Oasis, Dubai, United Arab Emirates
Email: contact@wecoverleads.com