Terms and Conditions

Welcome to the Leads That F*cking Close website, including all of its associated subdomains (collectively, the “Site”). The Site is owned and operated by GROWTH CAMPAIGNS LLC d/b/a Leads That F*cking Close (“GROWTH CAMPAIGNS,” “Leads That F*cking Close,” “we,” “us,” or “our”). This Site provides information about our Services and enables users to purchase lead-generation products, access dashboards containing lead data, review Service descriptions, connect with our team, and utilize additional resources that support the acquisition and use of insurance leads. By accessing, browsing, or otherwise using the Site or any Services offered by Leads That F*cking Close, you acknowledge that you have read, understood, and agreed to be bound by the terms and conditions contained in this Agreement.

You further acknowledge that this Agreement constitutes a binding contract between you and GROWTH CAMPAIGNS LLC, even though it is presented electronically and is not physically signed. If you do not agree to these Terms and Conditions, you must refrain from accessing or using the Site or any of the Services we provide.

GROWTH CAMPAIGNS reserves the right, in its sole and exclusive discretion, to amend, revise, or modify any portion of these Terms and Conditions at any time. In the event of changes, we will post the updated Terms and Conditions on this page, clearly indicating the date of the most recent revision. Your continued use of the Site or Services following the effective date of any changes constitutes your acceptance of those modifications. If, at any time, you disagree with the updated Terms and Conditions, your sole remedy is to discontinue your use of the Site and all related Services. We also reserve the right to suspend or terminate your access to the Site or Services at any time, with or without cause, and without prior notice.

Use of the Site

The Leads That F*cking Close Site is intended exclusively for lawful use by individuals and entities engaged in the insurance industry who meet the eligibility criteria necessary to purchase and utilize life-insurance-related leads. By accessing or using the Site, you agree that you will comply with all applicable laws, rules, and regulations at the federal, state, and local levels. You agree that you will not use the Site for any unlawful or unauthorized purpose, including but not limited to violations of data privacy laws, telemarketing laws, intellectual property rights, fraudulent behavior, deceptive practices, or conduct that may harm, interfere with, or disrupt the operation of the Site. You agree not to upload, transmit, or distribute any malicious code, viruses, or software designed to damage or interfere with the functionality of the Site or other users.

You further agree that you will not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site or its content without the prior written consent of GROWTH CAMPAIGNS. Unauthorized access to the Site, including the creation of automated accounts or attempts to collect email addresses, lead data, or proprietary information without consent, is strictly prohibited. You may not use the Site to harass, abuse, defame, intimidate, or discriminate against any individual or group on the basis of gender, race, ethnicity, religion, disability, sexual orientation, or any other protected characteristic. You agree that you will not engage in scraping, crawling, mining, or any other automated extraction of data. Any attempt to disrupt or circumvent the security features of the Site, including password protections or authentication mechanisms, constitutes a violation of these Terms and Conditions and may result in immediate termination of access and potential legal action.

Links to Third-Party Resources

The Site may contain links to external websites, software platforms, or third-party resources. Such links are provided solely for convenience and informational purposes, and do not constitute an endorsement, sponsorship, or affiliation between Leads That F*cking Close and the operators of those third-party sites. We do not control and are not responsible for the content, products, or services offered by third parties. We encourage you to review the terms and conditions, privacy policies, and other legal notices governing any external site you choose to access. Your interaction with such third-party websites is entirely at your own risk and is governed exclusively by the policies of those sites.

Intellectual Property

All intellectual property rights associated with the Site and our Services—including trademarks, service marks, logos, brand names, lead-generation systems, proprietary formats, text, software, graphics, and other materials—are the exclusive property of GROWTH CAMPAIGNS LLC d/b/a Leads That F*cking Close. These rights are protected by U.S. and international copyright, trademark, and intellectual property laws. Nothing in this Agreement grants you ownership or rights to any intellectual property belonging to Leads That F*cking Close or its affiliates.

You receive a limited, non-exclusive, non-transferable, and revocable license to access and use the Site solely for the purpose of purchasing and utilizing the Services as permitted under these Terms. You are strictly prohibited from copying, reproducing, modifying, distributing, creating derivative works from, translating, selling, sublicensing, or otherwise exploiting any content or materials from the Site without our prior written consent. Any unauthorized use constitutes intellectual property infringement and may result in legal action.

Data Protection and Privacy Policy

As part of our commitment to privacy, security, and regulatory compliance, Leads That F*cking Close adheres to robust data protection practices designed to safeguard personal information and ensure compliance with applicable privacy laws. Our Privacy Policy explains how we collect, process, store, retain, and disclose personal data that you or leads may provide when interacting with our Site or Services. When using our Site, you may be required to provide personal information, including but not limited to your name, email address, professional details, licensure information, telephone numbers, and other identifying data. This information is collected solely for the purpose of delivering our Services, improving your user experience, and maintaining necessary operational and administrative functions.

Lead information delivered to you through our Services consists of personal data submitted voluntarily by consumers through digital forms, surveys, quizzes, advertisements, or other opt-in channels. We rely on trusted verification tools including, but not limited to, TrustedForm path verification technologies, to confirm that each consumer who becomes a lead has voluntarily submitted the information. Lead data may include names, email addresses, telephone numbers, age or date of birth, state of residence, financial and health-related information, insurance-related preferences, and additional personal data depending on the form completed by the consumer. Lead data is retained for a period of up to seven hundred twenty (720) days, unless retention must be extended or reduced in accordance with applicable laws.

We do not sell or disclose personal information to unrelated third parties without consent, except in limited circumstances such as when third parties act as processors or facilitators essential to our business operations; when we are required to do so by law, regulation, or a government authority; when disclosure is necessary to prevent or investigate potential illegal conduct; or when disclosure is needed to protect our rights, the rights of our users, or the integrity of the Site. Your continued use of the Site constitutes your consent to our collection and use of personal information as described in these Terms and in our Privacy Policy. Users may request access, correction, or deletion of their personal information by contacting us at juan@arpabroker.com.

Payment Terms and Chargeback Waiver

By purchasing Services from Leads That F*cking Close, you authorize us to charge your selected payment method for all fees associated with your order, including per-lead fees, subscription fees, setup fees, performance-based fees, and any additional Service charges agreed to in writing. All payments must be made via valid credit card or approved bank transfer. You represent and warrant that any payment information submitted is accurate and that you are authorized to use the selected payment method.

You agree that any request for a chargeback or payment dispute must be initiated only for legitimate cause and in good faith, and only after first contacting Leads That F*cking Close to allow us the opportunity to review and resolve the matter directly. You acknowledge that dissatisfaction with subjective elements of lead performance, contact rate, or sales outcomes does not constitute grounds for a chargeback, given the nature of the Services and the inherent variability in lead responsiveness. Leads That F*cking Close reserves the right to dispute any chargeback or payment reversal that it believes has been initiated without valid cause, and may provide all relevant evidence of delivery, authorization, and service performance to the payment processor, card issuer, or financial institution involved. Such evidence may include, but is not limited to, order records, delivery logs, timestamps, digital documentation, and copies of your acceptance of these Terms and Conditions.

Refund and Replacement Policy

All refund and replacement requests are governed strictly and exclusively by the following terms. Real-time Leads may qualify for a limited replacement only in cases where the phone number is verifiably disconnected. In such cases, Leads That F*cking Close may, at its discretion, provide replacement Leads in an amount equal to up to ten percent (10%) of the total number of Leads purchased. No other conditions qualify for replacement, and no monetary refunds will be provided for real-time Leads. Aged Leads are sold strictly on an “as-is” basis and are not eligible for any refunds or replacements under any circumstances. Ad spend management fees, campaign setup fees, optimization fees, and any other Service-related fees are final, non-refundable, and non-creditable once charged. You acknowledge and agree that lead quality is inherently subjective and dependent upon your sales process, outreach strategy, and compliance practices.

Delivery of Leads and Service Completion

Leads are delivered primarily through a shared Google Sheet, but may also be delivered via email, SMS, API integrations, or direct CRM connections, depending on the Services purchased. Delivery is considered complete, and the Service fully performed, once the Leads have been made accessible to you through any of these channels. You acknowledge that it is your responsibility to check your email, dashboard, or shared documents, and to notify us promptly in the event of access issues. Delivery issues resulting from your failure to maintain proper contact information, email inbox capacity, or CRM functionality do not constitute non-delivery.

Restrictions on Resale and Use of Leads

You agree that all Leads purchased from Leads That F*cking Close are intended solely for your personal or organizational use in your insurance business and may not be sold, shared, transferred, or otherwise distributed to any third party within thirty (30) days of purchase, unless you have obtained prior written consent from Leads That F*cking Close. You further agree not to resell or redistribute any Lead with whom you have an active sales conversation or ongoing business interaction, regardless of the thirty-day period. Unauthorized resale, distribution, or disclosure of Leads constitutes a material breach of this Agreement and may result in immediate termination of Services, legal action, and liability for damages.

Client Responsibilities and Legal Compliance

By purchasing and using Leads, you affirm that you are a licensed insurance agent or agency authorized to market insurance products in the jurisdictions in which you conduct outreach. You agree that you are solely responsible for ensuring that all outbound communications, including telephone calls, text messages, voicemails, emails, and any other forms of contact, comply fully with all applicable federal and state laws, state-specific insurance marketing laws, and all other relevant regulations. Leads That F*cking Close does not assume responsibility for your outreach practices and shall not be liable for any penalties, damages, or claims arising from your use of Leads. You agree to indemnify and hold us harmless for any such claims.

Analytics and Cookies

Leads That F*cking Close uses analytic technologies such as Google Analytics to evaluate traffic patterns, user behavior, and functionality within the Site. These tools collect anonymous data to help us improve user experience. The Site also uses cookies for authentication, personalization, performance measurement, and general functionality. You acknowledge that cookies may be placed on your device when accessing the Site and that certain cookies are necessary for the Site to function properly. You may manage or disable cookies through your browser settings; however, doing so may affect your experience or limit access to certain features.

Limitation of Liability

To the fullest extent permitted by law, Leads That F*cking Close, its directors, officers, employees, affiliates, agents, and licensors shall not be liable for any indirect, incidental, special, punitive, or consequential damages, including but not limited to lost profits, lost revenue, lost business opportunities, lost data, service interruptions, reputational harm, or any losses resulting from the use or inability to use the Site or Services. Our total liability for any claim arising from or relating to this Agreement or the Services shall not exceed the amount paid by you in the thirty-day period preceding the event giving rise to the claim, or one dollar ($1.00 USD), whichever is greater. You agree that these limitations apply even if any provided remedy fails of its essential purpose.

Indemnification

You agree to indemnify, defend, and hold Leads That F*cking Close and its affiliates, directors, officers, employees, agents, representatives, and licensors harmless from any and all claims, demands, losses, liabilities, damages, costs, or expenses, including reasonable attorneys’ fees, arising out of or related to your breach of this Agreement, your use of the Site or Services, your outreach to leads, your violation of any law, or your infringement of any third-party rights. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with us.

Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be enforced to the fullest extent permitted by law, and the remaining provisions shall remain in full force and effect. The invalidity of any provision shall not affect the validity of the remaining Agreement.

Changes and Amendments

Leads That F*cking Close reserves the right to modify, amend, or replace any part of these Terms and Conditions at its discretion. Changes take effect immediately upon posting, unless stated otherwise. Continued use of the Site or Services constitutes acceptance of the updated Terms. If you do not agree to the amendments, you must discontinue your use of the Site and Services.

Governing Law and Dispute Resolution

This Agreement is governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-law principles. Any dispute arising out of or relating to this Agreement, the Site, or the Services shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the jurisdiction of those courts.

Acceptance of These Terms

By accessing or using the Site or Services, or by clicking “I Agree,” you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. Your continued use constitutes your ongoing acceptance.

Contact Information

For general inquiries, support, or account-related matters, you may contact us at support@insurancecampaign.com.