Terms of Service

These Terms of Service (the "Terms") govern your access to and use of the Flying Goat Leads website and marketplace (together, the "Site"), operated by Flying Goat Leads, a service of Skel & Spence Management, LLC, a Florida limited liability company d/b/a Flying Goat Agency ("Flying Goat Leads", "we", "us", or "our"). By accessing or using the Site, you agree to these Terms, to the Privacy Policy, and, if you purchase or access Leads, to the Lead Purchase Agreement. If you do not agree, do not use the Site.

1. Eligibility and accounts

The Marketplace is a private, invitation-based platform for licensed insurance agents and agencies. You must be authorized to act for your business, provide accurate account information, and keep your login credentials confidential. You are responsible for all activity under your account.

2. Acceptable use

You agree to use the Site only for lawful purposes and in compliance with these Terms. You may not attempt to gain unauthorized access to the Site, interfere with its operation, scrape or harvest data beyond your own account, misuse Leads, or use the Site to violate any law or the rights of any consumer or third party.

3. The Lead Purchase Agreement controls lead purchases

All purchases and use of Leads are governed by the Lead Purchase Agreement, which is presented for acceptance before you can access Leads. The Lead Purchase Agreement includes, among other things, a single-use license with no resale, your sole responsibility for TCPA and do-not-call compliance and licensing, an "as is" data disclaimer, an all-sales-final no-refund policy, a limitation of liability, indemnification of Flying Goat Leads, and a Florida court venue with a jury-trial waiver. In the event of a conflict between these Terms and the Lead Purchase Agreement regarding Leads, the Lead Purchase Agreement controls.

4. Privacy

Our collection and use of personal information, including our sale and sharing of consumer Leads and the related opt-out and data rights, is described in the Privacy Policy, which is incorporated into these Terms by reference.

5. Text messages

We operate an optional lead-alert text message program for agent account holders. It is governed by our SMS Terms, which are incorporated into these Terms by reference and cover what we send, how often, message and data rates, and how to stop by replying STOP or by turning text alerts off in your account. Consent to receive text messages is never a condition of buying leads or of holding an account. We do not send marketing text messages to consumers.

6. Intellectual property

The Site, its software, and its content, excluding Lead data, are owned by Flying Goat Leads and protected by law. We grant you a limited right to use the Site for its intended purpose. You may not copy, modify, or create derivative works of the Site except as permitted, and you may not use our trade or service names, marks, or promotional materials without our prior written approval.

7. Disclaimers and limitation of liability

The Site is provided "as is" and "as available" without warranty of any kind. To the fullest extent permitted by law, Flying Goat Leads is not liable for indirect, incidental, special, consequential, or punitive damages arising out of your use of the Site, and the limitation of liability in the Lead Purchase Agreement applies to matters involving Leads.

8. Changes and termination

We may modify these Terms or the Site at any time, and material changes will be posted with an updated version marker. We may suspend or terminate your access for any violation of these Terms or applicable law.

9. Governing law; venue; jury-trial waiver; attorney fees

These Terms are governed by the laws of the State of Florida, without giving effect to its conflict of laws provisions. Each party irrevocably waives any right to a jury trial in any action or proceeding between the parties, whether under these Terms or otherwise. The parties agree that Hillsborough County, Florida shall be the exclusive, proper, and convenient venue for any legal proceeding in federal or state court relating to these Terms, and each party waives any defense that Hillsborough County, Florida is an improper or inconvenient forum. In any action arising out of these Terms, the prevailing party is entitled to its reasonable attorney fees and expenses in addition to court costs. Disputes regarding Leads are governed by the corresponding provisions of the Lead Purchase Agreement.