Terms & Conditions

By using this website or submitting a campaign application, you agree to these Terms & Conditions and the policies incorporated by reference. If you act for a company, you represent that you are authorized to act for that company.

InsurancePayPerCalls.com is a B2B pay-per-call publisher that generates and distributes inbound personal auto and owner-occupied homeowners insurance calls to approved buyers. It is not an insurance carrier, agency, or broker and does not issue, bind, underwrite, or service insurance policies.

Applications may be approved, declined, or held for additional information at company discretion, subject to applicable law. Submission does not create an account, guarantee approval, reserve volume, establish pricing, or require either party to launch a campaign.

Public authentication, funding, and campaign activation are not available until the Ringba connection and buyer onboarding are ready. Approved users may later receive role-based Owner, Manager, or Agent access subject to verification and platform terms.

Buyers must provide accurate business information, maintain authorized account users, protect credentials, configure campaigns carefully, and handle calls in compliance with applicable laws and campaign rules.

• Use calls only for the approved insurance product and lawful business purpose.
• Maintain appropriate licenses, appointments, registrations, disclosures, and internal compliance controls for the buyer’s activities.
• Honor applicable consent, do-not-call, recording, privacy, and consumer-request obligations.
• Avoid deceptive statements, discriminatory practices, abusive conduct, unauthorized resale, or attempts to bypass routing and billing controls.
• Promptly report account compromise, routing problems, or suspected invalid activity.

The planned initial minimum deposit is $500. Unused funds remain as account credit unless a final approved policy states otherwise. Buyers are responsible for monitoring balances, budgets, bids, schedules, geography, concurrent-call limits, and campaign status.

Campaign availability, price, and activity can change based on settings, qualifications, bids, schedules, demand, and market conditions. No call volume, conversion, policy sale, close rate, savings, or return is guaranteed.

A connected call becomes billable after 30 seconds, subject to campaign-specific rules and the Call Credit & Dispute Policy. Calls may be recorded and reviewed for reporting, billing, dispute, security, and compliance purposes where permitted.

Disputes must be submitted within three business days with enough information to identify the call and claimed issue. Credits are not automatic and remain subject to recording review, routing data, active campaign settings, and final verification.

The website and future platform may be updated, interrupted, limited, or discontinued. Campaign settings, products, qualifications, prices, and integrations may change. Reasonable efforts may be made to communicate material operational changes, but uninterrupted access is not promised.

Website content, branding, software, interfaces, and documentation are protected by applicable intellectual-property laws. A limited, revocable right is granted to use the service for approved business purposes. Scraping, copying, reverse engineering, or creating confusingly similar services is prohibited except where law does not permit restriction.

Feedback may be used to improve the service without obligation, provided confidential information is not intentionally included.

The website, planning estimates, calls, routing, recordings, reports, and future platform are provided subject to final written terms and applicable law. Planning information is not insurance, legal, tax, or financial advice. The service does not guarantee caller eligibility, policy issuance, pricing, savings, volume, conversion, revenue, or uninterrupted operation.

Any warranty disclaimer, limitation of liability, indemnity, governing law, venue, dispute-resolution, and class-action language must be completed by qualified counsel for the final business entity and operating jurisdictions before publication.

Access or campaigns may be paused, limited, or terminated for insufficient funds, security risk, suspected abuse, legal or policy concerns, account inactivity, or material breach. Obligations concerning payment, confidentiality, recordings, disputes, intellectual property, and risk allocation may survive as stated in final terms.

Questions about these draft terms may be sent to sales@insurancepaypercalls.com.