Terms & Conditions

Equity Leads AI is a lead generation and distribution company owned and operated by WealthSync LLC, headquartered in California. We specialize in connecting licensed life insurance agents, financial professionals, and wealth advisors with prospective consumers who have expressed interest in one or more of the following categories:

• Mortgage Protection Insurance Leads — consumers seeking coverage tied to their home loan or mortgage.
• Indexed Universal Life (IUL) Leads — consumers interested in tax-advantaged life insurance and retirement planning.
• Veteran Leads — active military members or veterans seeking life insurance or financial protection products.
• Trucker / Commercial Driver Leads — professional truck drivers and owner-operators seeking life insurance coverage.

Equity Leads operates solely as a lead vendor. We do not sell, underwrite, or issue insurance policies, and we are not a licensed insurance carrier, broker, or financial advisor. All licensed sales activities are the sole responsibility of the purchasing agent or firm.

To purchase or use leads from Equity Leads, you must:

• Be at least 18 years of age.
• Hold all required licenses, appointments, and registrations necessary to solicit and sell insurance or financial products in the states where you intend to contact leads.
• Be operating lawfully under all applicable federal, state, and local laws and regulations.
• Not be currently suspended, barred, or under investigation by any state insurance department, FINRA, the SEC, or any other regulatory body.

By registering or placing an order, you represent and warrant that you meet all of the above eligibility requirements. Equity Leads reserves the right to verify eligibility at any time and to suspend or terminate accounts that do not meet these requirements.

3.1 What Is a Lead?

A "lead" is a record containing contact information for a consumer who has, to the best of our knowledge, submitted an inquiry or expressed interest in a financial or insurance product through an online form, advertisement, survey, or similar opt-in mechanism. Equity Leads works to source, verify, and deliver high-intent leads to our clients.

3.2 Lead Authenticity

All leads distributed by Equity Leads are generated from real consumer opt-ins and are, to the best of our ability, sourced from legitimate, consented sources. We do not knowingly sell fabricated, computer-generated, or bot-generated leads. Each lead type is sourced through targeted digital advertising, social media campaigns, or direct inquiry funnels specific to the lead category.

3.3 Lead Usability — Important Disclosure

While Equity Leads takes significant steps to ensure the quality and authenticity of leads, lead usability and outcome vary and depend on multiple factors beyond our control, including but not limited to:

• The consumer's health status, financial situation, or insurability at the time of contact.
• The speed and professionalism of the purchasing agent's follow-up.
• Changes in the consumer's interest or circumstances between the time of opt-in and agent contact.
• Geographic availability of the product being offered.
• The lead category type (Mortgage, IUL, Veteran, or Trucker) and the corresponding qualification standards for each.

EQUITY LEADS DOES NOT GUARANTEE THAT ANY LEAD WILL RESULT IN A SALE, A COMPLETED APPLICATION, OR A BOUND POLICY. Leads are sold as contact opportunities only. The purchasing agent assumes all responsibility for their own sales results.

3.4 Lead Category Disclosures

Mortgage Protection Leads: These leads consist of homeowners who have expressed interest in mortgage protection insurance. Leads may include first-time buyers, refinance customers, or existing homeowners. Usability depends on the consumer's current mortgage status and insurability.

IUL / Retirement Leads: Consumers interested in indexed universal life insurance or tax-advantaged retirement strategies. Consumers may have varying levels of financial sophistication. Agent must be licensed to discuss and sell IUL products in the applicable state.

Veteran Leads: Active-duty military members, veterans, or military spouses interested in life insurance or financial protection products. Agents must comply with all applicable laws governing the marketing of insurance to veterans, including any applicable VA regulations.

Trucker / Commercial Driver Leads: Professional truck drivers or owner-operators who have expressed interest in life insurance coverage. Underwriting availability may vary based on occupation and health history. Agents are responsible for knowing the underwriting guidelines of their carriers.

Leads purchased from Equity Leads may only be used for the following lawful purposes:

• Outreach by licensed insurance agents for the solicitation of life insurance, mortgage protection, or related financial products.
• Use by licensed wealth advisors or registered investment representatives for the solicitation of legally permitted financial products or services.
• Internal CRM storage for the purchasing agent's personal sales pipeline, subject to applicable data privacy laws.

Leads may NOT be used for:

• Reselling, redistributing, or transferring leads to any third party without prior written consent from Equity Leads.
• Solicitation of products unrelated to the lead's stated area of interest without additional consent from the consumer.
• Any form of harassment, high-pressure tactics, or contact methods that violate applicable telemarketing laws.
• Political solicitation, data harvesting, or any purpose unrelated to the insurance or financial services industry.

Equity Leads reserves the right to immediately terminate access to any account found to be misusing leads and to pursue all available legal remedies for violations of this section.

By purchasing and using leads from Equity Leads, you agree to comply with all applicable laws and regulations, including but not limited to:

• Telephone Consumer Protection Act (TCPA) — including rules governing autodialed calls, prerecorded messages, and SMS/text communications.
• Telemarketing Sales Rule (TSR) — including Do Not Call (DNC) registry compliance.
• CAN-SPAM Act — governing commercial email communications.
• California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).
• Health Insurance Portability and Accountability Act (HIPAA) — where applicable.
• All applicable state insurance codes and regulations in each state where you contact leads.

You are solely responsible for your own compliance with all applicable laws. Equity Leads does not indemnify, represent, or warrant that your use of our leads will automatically be compliant.

Equity Leads represents that leads distributed through our platform are sourced from consumers who have provided prior express written consent to be contacted by insurance agents and financial professionals in connection with the product category for which they opted in. This consent is documented at the time of lead generation in accordance with TCPA requirements.

Notwithstanding the foregoing, you acknowledge and agree that:

• Consumer consent may be subject to revocation, and you are responsible for maintaining your own Do Not Contact list.
• You must immediately honor any opt-out, stop, or do-not-contact request received from a consumer.
• Equity Leads does not provide legal advice and makes no legal guarantee as to the sufficiency of any consent documentation for your specific use case.

You agree to retain your own records of consumer interactions and to defend, indemnify, and hold harmless Equity Leads from any claim arising out of your contact activities.

7.1 Payment

All lead purchases must be paid in full at the time of order unless otherwise agreed to in writing by Equity Leads. We accept all major credit cards and approved payment methods. All prices are listed in U.S. dollars. Equity Leads does not directly store payment card information; all payment processing is handled by a third-party payment processor.

7.2 Lead Returns & Disputes

• Invalid Phone Number: If a lead contains a phone number that is disconnected, non-working, or belongs to a different person, a replacement or credit may be issued upon written request submitted within 5 business days of delivery.
• Duplicate Leads: If the same lead is delivered more than once within the same order cycle, a credit will be issued upon verification.
• No refunds or replacements are issued for leads where the consumer simply did not answer, was not interested, did not qualify medically, or did not proceed with a purchase.

To submit a lead dispute, contact us at support@equityleads.ai with the lead ID, the issue encountered, and supporting documentation within 5 business days of receiving the lead.

7.3 Chargebacks

Initiating a chargeback or payment reversal without first submitting a written dispute to support@equityleads.ai and allowing Equity Leads 7 business days to resolve the matter will result in an automatic administrative fee of $500.00 per chargeback event, in addition to recovery of the original amount charged. Equity Leads reserves the right to immediately terminate your account and pursue all available legal remedies.

Equity Leads may offer subscription-based lead delivery plans. If you enroll in a subscription:

• Your subscription will automatically renew at the end of each billing cycle using the payment method on file.
• You will receive advance notice of your renewal date and the applicable charges.
• To cancel, submit a written cancellation request to support@equityleads.ai at least 5 business days before your next renewal date.
• Cancellations received after the renewal has processed will take effect at the end of the then-current billing period. No partial refunds for unused days.

Equity Leads reserves the right to modify subscription pricing with reasonable advance notice. Continued use after a price change constitutes acceptance of the new rate.

All content, branding, technology, software, design, and materials on the Equity Leads platform — including the Equity Leads and Equity Leads AI names, logos, and trademarks — are the exclusive property of WealthSync LLC and are protected under U.S. copyright, trademark, and intellectual property law.

You are granted a limited, non-exclusive, non-transferable license to access and use the platform solely for the purpose of purchasing and managing leads in connection with your licensed insurance or financial services practice. You may not copy, reproduce, distribute, reverse engineer, scrape, or create derivative works from any portion of the platform without prior written consent.

THE EQUITY LEADS PLATFORM AND ALL LEADS, SERVICES, AND CONTENT PROVIDED THEREON ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

EQUITY LEADS DOES NOT WARRANT THAT: (i) any lead will result in a sale or completed transaction; (ii) the platform will be uninterrupted, error-free, or secure; (iii) any consumer information contained in a lead is accurate or complete; or (iv) the services will meet your specific business requirements or expectations.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WEALTHSYNC LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING FROM OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE PLATFORM OR LEADS, EVEN IF EQUITY LEADS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL EQUITY LEADS' TOTAL CUMULATIVE LIABILITY TO YOU EXCEED THE TOTAL AMOUNT PAID BY YOU TO EQUITY LEADS IN THE NINETY (90) DAYS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

You agree to defend, indemnify, and hold harmless WealthSync LLC, its members, officers, employees, agents, and affiliates (collectively, "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or connected with: (i) your use of leads or the Equity Leads platform; (ii) your violation of these Terms; (iii) your violation of any applicable law, regulation, or third-party right; (iv) any consumer complaint, TCPA claim, or regulatory action arising from your contact activities; or (v) any misrepresentation made by you in connection with the sale of any product.

By registering with Equity Leads, you agree to receive electronic communications from us, including platform updates, order confirmations, lead delivery notifications, promotional offers, and account alerts. These communications may be delivered via email, SMS/MMS text message, or in-platform notification.

If you opt in to SMS/MMS communications from Equity Leads:

• Message frequency varies based on account activity and promotions.
• Message and data rates may apply depending on your mobile carrier.
• You may opt out at any time by replying STOP to any text message.
• For help, reply HELP or contact support@equityleads.ai.

Consent to receive SMS/MMS communications is not a condition of purchase. Your consent applies only to communications from Equity Leads / WealthSync LLC and does not extend to any third party.

Equity Leads reserves the right to suspend or terminate your account, without prior notice, for any of the following reasons:

• Violation of any provision of these Terms.
• Misuse of leads, including reselling or redistributing leads without authorization.
• Failure to maintain required licenses or regulatory standing.
• Initiation of an unauthorized chargeback or payment dispute.
• Any conduct that Equity Leads determines, in its sole discretion, to be harmful to consumers, the platform, or the company's reputation.

Upon termination, your right to access the platform and use any purchased leads is immediately revoked. No refunds will be issued for leads already delivered prior to termination.

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. You consent to the exclusive jurisdiction and venue of the state and federal courts located in California for any dispute arising out of or relating to these Terms.

Prior to initiating any legal action, you agree to submit a written notice of dispute to support@equityleads.ai, describing the nature of the claim in reasonable detail. Equity Leads shall have ten (10) business days from receipt of such notice to attempt to resolve the matter informally.

Any claim not resolved informally shall be submitted to binding arbitration in California under the rules of the American Arbitration Association (AAA), unless both parties agree otherwise in writing. You waive any right to participate in a class action lawsuit or class-wide arbitration against Equity Leads.

16.1 Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Equity Leads regarding your use of the platform and supersede all prior understandings or agreements.

16.2 Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.

16.3 No Waiver. Equity Leads' failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

16.4 Assignment. You may not assign or transfer any rights or obligations under these Terms without Equity Leads' prior written consent. Equity Leads may assign these Terms freely in connection with a merger, acquisition, or sale of assets.

16.5 Independent Contractors. Nothing in these Terms creates an employment, partnership, joint venture, or agency relationship between you and Equity Leads.

16.6 Force Majeure. Equity Leads shall not be liable for any delay or failure to perform its obligations under these Terms due to causes beyond its reasonable control, including acts of God, government actions, or infrastructure failures.

For questions, disputes, lead return requests, or any other inquiries regarding these Terms, please contact us:

For lead disputes, please include your order number, lead ID, and a description of the issue.