Terms and Conditions

These Terms and Conditions (the “Terms”) govern access to and use of lionmarketingai.com, any portal, form, landing page, or online service that links to these Terms, and the lead-generation and related services provided by Lion Marketing LLC (“Lion Marketing,” “we,” “us,” or “our”) (collectively, the “Services”).

By accessing or using the Services, creating an account, submitting an inquiry, or purchasing Services, you agree to these Terms. If you use the Services on behalf of a company or other organization, you represent that you have authority to bind that organization, and “you” includes that organization. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract to use the Services. You may use the Services only in compliance with applicable law.

2. What Lion Marketing provides

Lion Marketing provides marketing and lead-generation services for insurance agents and agencies. Our Services may include campaign targeting, online consumer inquiry forms, campaign-specific screening, telephone-number verification, and delivery of accepted inquiries to a participating agent or agency.

Lion Marketing is not an insurance carrier, insurance agency, broker, or financial adviser unless expressly stated in a separate written agreement. We do not issue insurance, bind coverage, make underwriting or suitability decisions, quote final premiums, or guarantee that an application will be approved or a policy will be issued.

Website content is general information and is not insurance, legal, tax, investment, or financial advice.

3. Consumer insurance inquiries

When a consumer submits an insurance inquiry:

• the submission is a request to receive information and is not an insurance application, offer, binder, or contract;
• submitting an inquiry does not guarantee contact, a quote, eligibility, coverage, a particular premium, or policy issuance;
• campaign screening is limited to the criteria stated for that campaign and is not carrier underwriting or a suitability determination;
• Lion Marketing may verify the submitted telephone number and provide the inquiry to an independent insurance agent or agency for follow-up; and
• the agent or agency is independently responsible for its communications, advice, licensing, privacy practices, sales process, and legal compliance.

Any consent to receive calls, texts, or emails is governed by the disclosure presented at the time of submission and applicable law. These Terms do not enlarge the consent a consumer provided. Consent to marketing is not a condition of purchasing an insurance product or service.

4. Services for agents and agencies

Additional terms may appear in an order form, insertion order, service agreement, campaign brief, pricing schedule, replacement policy, data-processing agreement, or other written agreement between Lion Marketing and a customer (each, an “Order”). An Order is incorporated into these Terms. If an Order conflicts with these Terms, the Order controls for that transaction.

Customers must provide accurate information about their product focus, licensed jurisdictions, desired volume, capacity, and campaign requirements. Availability, pricing, targeting, screening fields, delivery methods, volume, billing, replacement eligibility, and campaign timing are determined by the applicable Order.

We may use service providers to operate the Services. Features or delivery methods may change as reasonably necessary to maintain, secure, or improve the Services, provided that material commercial commitments remain governed by the applicable Order.

5. Lead standards and expectations

Unless an Order expressly states otherwise:

• Exclusive means Lion Marketing will deliver an accepted lead to one customer and will not intentionally resell that same accepted record to multiple Lion Marketing customers. It does not guarantee that the consumer has not independently submitted another request elsewhere or been contacted through another source.
• Campaign-qualified or prequalified means only that the submitted information met the minimum screening criteria agreed for the campaign at the time of acceptance. It does not mean the consumer has been underwritten, approved by a carrier, determined suitable, or guaranteed to purchase.
• Verified telephone number means the number passed the verification method described for the campaign, such as a one-time passcode. Verification does not guarantee that a consumer will answer, remain reachable, or engage with a customer.
• Real-time delivery means delivery is initiated promptly after acceptance through the configured method. Internet, platform, carrier, integration, or other technical delays may occur.
• A lead is an inquiry, not an appointment, live transfer, completed sale, or guaranteed conversation unless an Order specifically says otherwise.

Sales outcomes depend on factors outside Lion Marketing’s control, including speed and method of follow-up, customer licensing and compliance, agent skill, consumer circumstances, underwriting, carrier rules, pricing, product fit, and market conditions. Lion Marketing does not guarantee contact rates, applications, sales, placement, revenue, return on investment, or any other business result.

Replacement or credit requests are governed solely by the written policy in the applicable Order. A consumer’s failure to answer, respond, qualify under carrier underwriting, purchase, or remain interested does not by itself make a lead invalid.

6. Customer compliance obligations

Each agent, agency, or other business customer is solely responsible for its use of leads and must:

• maintain all licenses, appointments, registrations, and approvals required for the products and jurisdictions involved;
• use lead information only for the specific consumer request and lawful campaign purpose for which it was provided;
• comply with all applicable federal and state insurance, advertising, privacy, data-security, telemarketing, call-recording, email, text-message, do-not-call, and consumer-protection laws and carrier rules;
• independently determine whether and how it may call, text, email, or otherwise contact a consumer, including whether additional consent is required for the technology, content, timing, or party making the communication;
• accurately identify itself and the purpose of its communication and avoid deceptive, misleading, high-pressure, or abusive practices;
• honor opt-outs, do-not-call requests, consent revocations, and other consumer choices promptly and maintain appropriate suppression records;
• use reasonable safeguards to protect lead information and limit access to personnel who need it for the authorized purpose;
• not sell, sublicense, post, disclose, or transfer a lead to another person except as expressly permitted in an Order and by applicable law;
• maintain records reasonably sufficient to demonstrate compliance; and
• cooperate with reasonable compliance investigations involving leads supplied by Lion Marketing.

Consent and verification records supplied with a lead document the information captured by Lion Marketing. They are not legal advice or a warranty that a particular customer’s communication method, technology, script, timing, or campaign complies with every applicable law. Customers should obtain their own legal advice and maintain their own compliance program.

7. Accounts and security

You must provide accurate, current, and complete account information; keep login credentials confidential; and promptly notify us of suspected unauthorized access. You are responsible for activity under your account unless prohibited by law. We may require identity, authority, payment, licensing, or business verification before enabling or continuing access.

You may not share account access outside your organization, circumvent access controls, or use another person’s credentials without authorization.

8. Fees, payment, and taxes

Prices, deposits, billing frequency, payment methods, minimums, and cancellation terms are stated in the applicable Order. Unless an Order says otherwise, fees are due when invoiced and are nonrefundable except for an approved credit or replacement under the applicable written policy.

You authorize Lion Marketing and its payment processor to charge the approved payment method for amounts due under an Order. You are responsible for applicable taxes, duties, or government charges other than taxes on Lion Marketing’s net income. Overdue amounts may result in paused delivery, suspended access, collection costs, and any lawful interest stated in the Order.

You must raise a billing dispute promptly and in accordance with the Order. Initiating a chargeback does not cancel amounts validly owed or waive our right to contest the chargeback and recover permitted costs.

9. Acceptable use

You may not:

• use the Services or personal information obtained through them for an unlawful, deceptive, discriminatory, abusive, or unauthorized purpose;
• impersonate another person, misrepresent affiliation, submit false information, or manufacture inquiries;
• scrape, harvest, copy, or extract data from the Services except as expressly permitted;
• reverse engineer, probe, scan, or test the vulnerability of the Services, or bypass security or rate limits;
• upload malicious code or interfere with the integrity, availability, or operation of the Services;
• infringe intellectual-property, privacy, publicity, or other rights;
• use the Services to develop or train a competing lead database or service without written permission; or
• allow another person to do any of the foregoing.

We may investigate suspected misuse and suspend or terminate access when reasonably necessary to protect consumers, customers, Lion Marketing, or the Services.

10. Intellectual property

The Services, including their software, design, text, graphics, logos, databases, compilations, and other content, are owned by Lion Marketing or its licensors and are protected by intellectual-property laws. Subject to these Terms, Lion Marketing grants you a limited, revocable, nonexclusive, nontransferable license to access and use the Services for their intended purpose.

No right is granted to use Lion Marketing’s names, trademarks, logos, or branding without prior written permission. If you provide feedback or suggestions, you grant Lion Marketing a perpetual, worldwide, royalty-free right to use them without restriction or compensation, provided we do not publicly identify you without permission.

11. Privacy

Our Privacy Policy explains how Lion Marketing processes personal information. By using the Services, you acknowledge that you have reviewed it.

Business customers that receive personal information through the Services act as independent businesses with respect to their use of that information unless a separate written agreement expressly states otherwise. Each business customer is responsible for providing any notice and obtaining any consent required for its own processing.

12. Third-party services and links

The Services may link to or integrate with third-party portals, calendars, payment services, communications tools, websites, or platforms. Lion Marketing does not control and is not responsible for third-party services, content, terms, security, availability, or privacy practices. Your use of a third-party service is governed by its terms.

13. Suspension and termination

You may stop using the Services at any time, subject to any Order. Lion Marketing may suspend or terminate access, pause lead delivery, or reject an inquiry if we reasonably believe that you violated these Terms or an Order, created legal or security risk, failed to pay amounts due, misused personal information, or could harm a consumer, customer, third party, or Lion Marketing.

Upon termination, rights granted to you end, but payment obligations and provisions that by their nature should survive will remain in effect, including provisions concerning ownership, confidentiality, disclaimers, limitations of liability, indemnity, and disputes.

14. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” LION MARKETING DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND RESULTS.

LION MARKETING DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE; THAT EVERY INQUIRY WILL CONTAIN ACCURATE INFORMATION; THAT A CONSUMER WILL RESPOND, QUALIFY, APPLY, PURCHASE, OR REMAIN INTERESTED; OR THAT USE OF A LEAD WILL COMPLY WITH LAW IN EVERY CUSTOMER-SPECIFIC CONTEXT.

Nothing in these Terms excludes a warranty or right that cannot lawfully be excluded.

15. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LION MARKETING AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, BUSINESS, DATA, OR GOODWILL; OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF LION MARKETING AND THE PARTIES ABOVE FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE AMOUNT THE CUSTOMER PAID TO LION MARKETING FOR THE SPECIFIC ORDER OR SERVICE GIVING RISE TO THE CLAIM DURING THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR $100 IF NO PAYMENT WAS MADE.

These limitations apply regardless of the form of action and do not apply where prohibited by law.

16. Indemnification

To the maximum extent permitted by law, a business customer will defend, indemnify, and hold harmless Lion Marketing and its affiliates, owners, officers, employees, contractors, and service providers from claims, investigations, losses, liabilities, judgments, penalties, damages, and reasonable costs and attorneys’ fees arising out of or related to: (a) the customer’s use or disclosure of a lead or other personal information; (b) calls, texts, emails, advertising, insurance sales, advice, or other communications by or for the customer; (c) the customer’s products, services, licensing, scripts, systems, personnel, or legal compliance; (d) the customer’s breach of these Terms or an Order; or (e) infringement or violation of another person’s rights by the customer.

Lion Marketing will provide reasonable notice of a covered claim and may participate in the defense. A customer may not settle a claim in a manner that admits fault by, imposes obligations on, or fails to fully release Lion Marketing without Lion Marketing’s written consent.

17. Disputes and governing law

Before filing a claim, you and Lion Marketing agree to make a good-faith effort to resolve the dispute informally. Send a description of the dispute and requested resolution through our contact page. The parties will allow 30 days for an informal response before filing suit, unless immediate relief is necessary or law requires otherwise.

These Terms are governed by the laws of the U.S. state in which Lion Marketing LLC is organized, without regard to conflict-of-laws rules, except where another law must apply. Any court proceeding must be brought in a state or federal court serving Lion Marketing’s principal place of business, and each party consents to that venue and jurisdiction, except where applicable law does not permit this selection.

Nothing in these Terms prevents either party from seeking temporary or injunctive relief to protect data, security, confidential information, or intellectual-property rights.

18. Changes to the Services or Terms

We may modify the Services and these Terms from time to time. The revised Terms will be posted with an updated date. Material changes will apply prospectively, and we will provide additional notice where required by law. Continued use after the effective date of revised Terms constitutes acceptance. Changes to an Order require the process stated in that Order or agreement of the parties.

19. General terms

These Terms and applicable Orders are the entire agreement concerning their subject matter and supersede prior discussions or understandings about it. Failure to enforce a provision is not a waiver. If a provision is unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will continue in effect.

You may not assign these Terms or an Order without Lion Marketing’s written consent. Lion Marketing may assign them in connection with a merger, financing, reorganization, sale of assets, or by operation of law. There are no third-party beneficiaries unless an Order expressly states otherwise. Headings are for convenience only.

Neither party is liable for delay caused by events beyond its reasonable control, except that this does not excuse payment obligations for Services already provided.

20. Contact

Lion Marketing LLC
Email: kyle@thelistinglion.com
Telephone: +1 714-500-7784
Mailing address: 2108 N Street, Suite N, Sacramento, CA 95816
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