Terms Of Service

Last Updated: 8/26/2026

Acceptance of Terms By accessing or using the services provided by Flagship Media Group Inc. ("Flagship Leads," "we," "us," or "our") at www.flagship-leads.com, you ("Agent," "Buyer," or "Partner") agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our services.

Description of Service Flagship Leads provides a proprietary lead routing infrastructure that connects licensed insurance professionals with consumers seeking private health coverage or related products. Our services include Verified Lead delivery and Live Call Transfer services. We are a marketing and technology company, not an insurance agency, carrier, or broker.

True Data Ownership & Exclusivity We pride ourselves on data transparency. When you purchase a lead from Flagship Leads, you are purchasing an exclusive, real-time inquiry.

Zero Resale Guarantee: We guarantee that the specific lead instance delivered to you will never be resold by us to another agent as part of your delivery.

Consumer Action Disclaimer: Your purchase grants you ownership of the specific inquiry instance (tracked via TrustedForm, Jornaya, or similar compliance tokens). However, we cannot control consumer behavior. We are not responsible if the consumer independently submits their information to a third-party website, competitor, or fills out a separate form at a later date.

Lead Delivery & Routing

State Requirements: To ensure consistent lead flow and campaign optimization, buyers may be required to select a minimum number of licensed states (e.g., 5 states) for routing.

Delivery Timeframes: Leads are generated in real-time based on active consumer search volume. We do not guarantee a specific volume of leads per day or a specific timeframe for order fulfillment.

Agent Compliance & TCPA Responsibilities You are solely responsible for how you contact the leads provided. By using our service, you agree to:

Comply with the Telephone Consumer Protection Act (TCPA), the National Do Not Call (DNC) Registry, and all applicable federal and state telemarketing laws.

Ensure you hold the appropriate, active insurance licenses in the states where you receive leads.

Assume all legal liability arising from your communication with the provided leads. Flagship Leads is not liable for any claims, fines, or damages resulting from your outreach practices.

Refunds & Replacements All sales are final. Because lead credits represent a hard advertising cost and are delivered in real time, we do not offer monetary refunds under any circumstances. We will issue a replacement credit for any lead that contains a confirmed disconnected phone number or demonstrably fraudulent contact information, provided the replacement request is submitted within 72 hours of lead delivery via our bad number report form at flagship-leads.com/bad-number-report. Replacement credits are issued at our sole discretion following review. We do not issue replacements for non-answers, non-closes, leads who choose not to proceed, or leads who have independently submitted their information to a third-party website after their original inquiry with us.

Limitation of Liability Flagship Leads makes no guarantees regarding the close rate, conversion rate, or profitability of the leads provided. In no event shall Flagship Media Group be liable for any indirect, incidental, or consequential damages arising out of your use of our services.

Lead Credits All purchases on Flagship Leads are made in the form of lead credits. By completing a purchase you acknowledge and agree to the followingAll Verified Lead purchases on Flagship Leads are made in the form of lead credits. By completing a purchase you acknowledge and agree to the following:

Lead credits are digital goods. All credit purchases are non-refundable once payment is processed.

Credits are redeemed automatically upon lead delivery to your account.

Credits have no cash value and cannot be transferred, exchanged, or redeemed for cash.

Replacement credits may be issued for disconnected or invalid numbers only, subject to the bad number report process within 72 hours of delivery.

Purchasing lead credits constitutes your acceptance of these terms and your acknowledgement that credits are non-refundable digital goods.

Live Call Transfer Service

In addition to Verified Lead delivery, Flagship Leads offers a Live Call Transfer service. By purchasing Live Transfer credits, you acknowledge and agree to the following:

Service Description: Live Transfers are pre-qualified prospects who have been OTP-verified and confirmed via our AI qualification system before being connected directly to your designated phone line. Transfers are exclusive — each prospect is connected to one agent only.

Billing & Minimum Duration: Live Transfers are billed on a per-transfer basis. A transfer is considered billable when the connected call between the agent and the prospect reaches a minimum duration of sixty (60) seconds. Calls where the prospect disconnects before the 60-second threshold are classified as non-billable and will not be deducted from your transfer pack balance.

Call Duration Tracking: Call duration is measured automatically by our telephony system from the moment the agent and prospect are connected. Duration records are final and not subject to dispute based on the agent's own timekeeping.

Transfer Credits: All Live Transfer purchases are made in the form of transfer credits. Transfer credits are digital goods. All credit purchases are non-refundable once payment is processed. Credits are redeemed automatically upon each billable transfer. Credits have no cash value and cannot be transferred, exchanged, or redeemed for cash. Unused transfer credits do not expire.

Agent Availability & Routing: Agents receiving Live Transfers must maintain accurate availability windows through their account settings. Flagship Leads will only route transfers during the agent's designated availability hours. If an agent fails to answer a transfer call within thirty (30) seconds, the call may be routed to the next available agent for that state. Agents who consistently fail to answer transfer calls (defined as missing more than 30% of routed transfers over a rolling 7-day period) may have their Live Transfer service paused pending review.

Call Recording: All Live Transfer calls are recorded for quality assurance and dispute resolution purposes. By participating in the Live Transfer service, you consent to the recording of all transfer calls. Recordings are retained for a minimum of ninety (90) days.

Replacement Policy: Live Transfers where the prospect provided a confirmed disconnected or invalid phone number during the verification process are eligible for a replacement credit, subject to the same 72-hour reporting window and review process outlined in Section 6.

No Performance Guarantees: Flagship Leads makes no guarantees regarding the close rate, conversion rate, or profitability of Live Transfers. Transfer quality is supported by our OTP verification and AI qualification process, but individual outcomes depend on agent skill, state market conditions, and consumer circumstances.

Mobile / SMS Messaging Terms

1. Program Description: Flagship Media Group Inc. (DBA Flagship Leads) provides real-time, OTP-verified health insurance leads. When you opt-in to our service, you can expect to receive messages regarding new lead arrivals, account balance updates, and support-related notifications.

2. Opt-Out Instructions: You can cancel the SMS service at any time. Just text "STOP" to +1 877-313-9939. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

3. Support Instructions: If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected].

4. Carrier Liability: Carriers are not liable for delayed or undelivered messages.

5. Message and Data Rates: As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive messages based on your lead volume and account activity; message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

You must be 18 years of age or older to use this SMS service.

6. Privacy Policy: If you have any questions regarding privacy, please read our privacy policy: https://flagship-leads.com/privacy-policy-page