Terms of Service

1. Acceptance of Terms

By accessing and using Nexus Lead Solutions ("the Platform," "we," "us," or "our"), a service operated by PM Groups LLC, a Florida Limited Liability Company, you ("Agent," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services. These Terms constitute a legally binding agreement between you and PM Groups LLC.

2. Eligibility Requirements

To use our Platform, you must meet the following requirements:

• Be at least 18 years of age
• Be a licensed insurance agent with a valid National Producer Number (NPN)
• Maintain active and valid insurance licenses in all states where you purchase and contact leads
• Comply with all applicable state insurance department regulations
• Have the legal authority to enter into binding contracts
• Not be prohibited from purchasing leads under any applicable law or regulation

You represent and warrant that all information provided during registration is accurate, current, and complete. You agree to promptly update your information if any changes occur.

3. Account Registration and Security

When you create an account, you agree to:

• Provide accurate, current, and complete registration information
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or security breach
• Not share your account credentials with any third party
• Not create multiple accounts or accounts on behalf of others without authorization

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe may pose a security risk.

4. Lead Purchases and Usage

When purchasing leads through our Platform, you acknowledge and agree that:

• All lead sales are final and non-refundable unless otherwise specified in our Return Policy
• Leads are provided "as-is" without any guarantee of contact accuracy, conversion, or sale
• You will use leads solely for lawful insurance-related marketing and sales purposes
• You will not resell, redistribute, share, or transfer leads to any third party
• You will contact leads only for the insurance products relevant to their expressed interest
• Each lead is licensed for your exclusive use and may not be shared with other agents or agencies
• Lead information remains our property and is licensed to you for limited use

5. Telephone Consumer Protection Act (TCPA) Compliance

You acknowledge that the Telephone Consumer Protection Act (47 U.S.C. § 227) and its implementing regulations impose strict requirements on telemarketing. By using our Platform, you agree to:

• Not use any automatic telephone dialing system (ATDS) or prerecorded voice messages to contact leads without proper prior express written consent
• Honor all do-not-call requests immediately and maintain your own internal do-not-call list
• Comply with calling time restrictions (no calls before 8 AM or after 9 PM in the consumer's time zone)
• Identify yourself, your company, and the purpose of the call at the beginning of each conversation
• Provide your telephone number or address upon request
• Not engage in caller ID spoofing or misrepresentation

Important: TCPA violations can result in statutory damages of $500-$1,500 per violation. You are solely responsible for your TCPA compliance.

6. Do Not Call (DNC) Registry Compliance

You are required to comply with both the National Do Not Call Registry and applicable state Do Not Call lists. You agree to:

• Access and scrub your call lists against the National Do Not Call Registry at least every 31 days
• Comply with all state-specific Do Not Call requirements
• Maintain records of your DNC compliance efforts for at least five (5) years
• Honor consumer do-not-call requests within 30 days (or sooner if required by state law)
• Pay all applicable fees associated with accessing the National Do Not Call Registry

We do not warrant that leads have been scrubbed against the National or state DNC registries. You are solely responsible for DNC compliance before contacting any lead.

7. FTC Telemarketing Sales Rule (TSR) Compliance

The Federal Trade Commission's Telemarketing Sales Rule (16 CFR Part 310) applies to telemarketing activities. You agree to comply with all TSR requirements, including:

• Promptly disclosing the identity of the seller and the purpose of the call
• Making required disclosures before a consumer pays for goods or services
• Not making false or misleading statements
• Maintaining required records for 24 months
• Not calling consumers who have previously requested not to be called
• Transmitting accurate caller ID information

8. CAN-SPAM Act Compliance

If you contact leads via email, you must comply with the CAN-SPAM Act (15 U.S.C. § 7701 et seq.). You agree to:

• Not use false or misleading header information
• Not use deceptive subject lines
• Identify the message as an advertisement if applicable
• Include your valid physical postal address
• Provide a clear and conspicuous opt-out mechanism
• Honor opt-out requests within 10 business days
• Monitor the actions of any third parties acting on your behalf

9. State Insurance Regulations

You acknowledge that insurance is regulated at the state level and agree to:

• Maintain valid insurance licenses in every state where you solicit or sell insurance
• Comply with all state insurance department rules and regulations
• Follow state-specific advertising and marketing requirements
• Adhere to state-mandated disclosure requirements
• Comply with state unfair trade practices acts
• Report any license suspensions or revocations to us immediately

You are solely responsible for understanding and complying with the insurance regulations in each state where you operate.

10. Gramm-Leach-Bliley Act (GLBA) Compliance

As an insurance professional, you are subject to the privacy and data security provisions of the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.). You agree to:

• Implement appropriate safeguards to protect consumer financial information
• Provide required privacy notices to consumers
• Not disclose nonpublic personal information except as permitted by law
• Comply with the FTC Safeguards Rule regarding data security
• Properly dispose of consumer information in accordance with the Disposal Rule

11. Fair Credit Reporting Act (FCRA) Compliance

To the extent that any lead information constitutes a "consumer report" under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), you agree to use such information only for permissible purposes and in compliance with all FCRA requirements. You certify that you will not use lead information for employment screening, tenant screening, or any purpose not directly related to insurance underwriting or marketing.

12. State Consumer Protection Laws

You agree to comply with all applicable state consumer protection laws, including but not limited to state Unfair and Deceptive Acts and Practices (UDAP) statutes. You will not engage in any unfair, deceptive, or abusive practices when contacting or doing business with leads.

13. Florida-Specific Compliance

Florida Telemarketing Act

You agree to comply with the Florida Telemarketing Act (Chapter 501, Part IV, Florida Statutes), including:

• Registering with the Florida Department of Agriculture and Consumer Services if required
• Honoring the Florida Do Not Call list in addition to the National DNC Registry
• Not making telemarketing calls before 8:00 AM or after 8:00 PM local time
• Identifying yourself and the purpose of the call within 30 seconds
• Maintaining required records for at least 24 months

Florida Deceptive and Unfair Trade Practices Act (FDUTPA)

You agree to comply with the Florida Deceptive and Unfair Trade Practices Act (Chapter 501, Part II, Florida Statutes). You will not engage in unfair methods of competition or unfair, deceptive, or unconscionable acts or practices in the conduct of any trade or commerce.

Florida Insurance Code

You acknowledge that insurance activities in Florida are regulated by the Florida Department of Financial Services and the Office of Insurance Regulation. You agree to comply with all applicable provisions of the Florida Insurance Code (Title XXXVII, Florida Statutes), including regulations regarding unfair insurance trade practices, advertising, and consumer protection.

14. Payment Terms

Regarding payments and account balances:

• All payments are processed securely through our third-party payment processor
• Funds added to your account are non-refundable except as required by law
• Pricing for leads is subject to change with notice posted on the Platform
• Account balances do not earn interest and have no cash value
• Unused account balances may be forfeited upon account termination for cause
• You are responsible for any taxes associated with your lead purchases

15. Lead Return Policy

We may, at our sole discretion, issue site credit for leads that meet specific criteria. All approved returns are credited to your Platform account balance only — no cash refunds, chargebacks, or returns to original payment method will be processed.

Eligible return criteria:

• Invalid or disconnected phone numbers (verified within 48 hours of purchase)
• Duplicate leads (same lead purchased by you within 90 days)
• Leads with materially inaccurate contact information

Return requests must be submitted within 48 hours of lead purchase. We reserve the right to verify all return requests and deny requests that do not meet our criteria.

16. Prohibited Conduct

You agree not to engage in any of the following prohibited activities:

• Using the Platform for any unlawful purpose or in violation of these Terms
• Attempting to gain unauthorized access to our systems, networks, or data
• Sharing, selling, or distributing leads to any third party
• Using automated systems, bots, or scripts to access the Platform
• Engaging in fraudulent, deceptive, or misleading practices
• Harassing, threatening, or abusing leads or our staff
• Interfering with or disrupting the Platform or its infrastructure
• Reverse engineering or attempting to extract source code from the Platform
• Using leads for any purpose other than legitimate insurance marketing
• Misrepresenting your identity, qualifications, or licensing status
• Contacting leads on behalf of unlicensed individuals or entities

17. Intellectual Property

All content, features, and functionality of the Platform, including but not limited to text, graphics, logos, software, and design, are owned by Nexus Lead Solutions and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for its intended purpose. You may not copy, modify, distribute, sell, or lease any part of the Platform without our express written consent.

18. Disclaimers and Limitation of Liability

THE PLATFORM AND ALL LEADS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE SPECIFICALLY DISCLAIM:

• Any warranty that leads will result in sales or conversions
• Any warranty regarding the accuracy or completeness of lead information
• Any warranty that the Platform will be uninterrupted or error-free
• Any implied warranties of merchantability or fitness for a particular purpose

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEXUS LEAD SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING FROM YOUR USE OF THE PLATFORM OR ANY LEADS PURCHASED. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR LEADS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

19. Indemnification

You agree to indemnify, defend, and hold harmless Nexus Lead Solutions, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Platform or leads; (b) your violation of these Terms; (c) your violation of any applicable law or regulation, including but not limited to TCPA, TSR, CAN-SPAM, FCRA, GLBA, or state insurance regulations; (d) your violation of any third-party rights; or (e) any claim by a consumer arising from your contact or communication with them.

20. Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms or any applicable law
• Fraudulent or illegal activity
• Loss or suspension of your insurance license
• Excessive return requests or suspected abuse of the return policy
• Non-payment or payment disputes
• At our sole discretion for business reasons

Upon termination, your right to use the Platform ceases immediately. Provisions of these Terms that by their nature should survive termination shall survive, including indemnification, limitation of liability, and dispute resolution provisions.

21. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Platform shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Osceola County, Florida, and the arbitrator's decision shall be final and binding.

Class Action Waiver: You agree that any disputes will be resolved on an individual basis, and you waive any right to participate in a class action, class arbitration, or other representative proceeding.

Small Claims Exception: Either party may bring an individual action in small claims court for disputes within that court's jurisdiction.

22. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in Osceola County, Florida, and you consent to the personal jurisdiction of such courts.

23. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Platform and updating the "Last updated" date. Your continued use of the Platform after such changes constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

24. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

25. Contact Information

For questions about these Terms of Service, please contact us: