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"). 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 an arbitration provision. 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. 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.

6. 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.

7. 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.

8. Governing law and disputes

These Terms are governed by the laws of the State of Florida without regard to its conflict of laws rules, and disputes are subject to the dispute resolution and arbitration terms described in the Lead Purchase Agreement. Governing law and venue are subject to final confirmation by counsel before launch.