Terms of Service

These Terms of Service (“Terms”) govern your use of the Flow Vantage website at flowvantagegroup.com and of Flow Vantage Connect, our lead marketplace at connect.flowvantagegroup.com (together, the “Services”), operated by Flow Vantage Group LLC (“Flow Vantage,” “we,” “us,” “our”). By accessing the site or using the Services, you agree to be bound by these Terms. If you do not agree, do not use them.

Flow Vantage Group LLC is based at 2108 N St, Sacramento, CA 95816. These Terms apply to all visitors and to the independent, licensed insurance agents who purchase leads from us.

1. What Flow Vantage Is (and Is Not)

Flow Vantage Connect generates consumer inquiries through advertising that we create, run, and pay for on our own advertising accounts and our own consumer websites. We then sell those inquiries, referred to here as “leads,” to independent licensed insurance agents.

Flow Vantage is not an insurance company, insurance agency, or licensed insurance producer. We do not sell, underwrite, quote, or place insurance, we do not receive commissions on any policy, and we do not advise consumers on coverage. Nothing on this website or in the Services constitutes insurance, financial, tax, or legal advice. We are the advertiser for our own campaigns and the party that collects the consumer’s consent to be contacted about the product they inquired about.

2. Flow Vantage Connect

This section summarizes how the marketplace works. Specific terms for your account are set out in the separate agent agreement presented to you in full before you purchase anything, which controls in the event of any conflict with these Terms.

What a lead is. A lead is created when a consumer completes one of our forms and a consent certificate is issued for that session. Leads are sold in tiers.

Tiers. Premium leads additionally include a phone number that passed carrier validation. Standard leads may not have passed carrier validation. Carrier validation checks that a number is real and in service with a carrier. It does not confirm that the person who completed the form holds that number. The tier of every lead is shown to you before purchase and recorded on the lead. Aged leads are leads thirty days after delivery or, where never sold, thirty days after they were created. Aged leads are not currently offered.

Exclusivity. Standard and premium leads are sold to one agent. They are never shared, and never resold as a fresh lead. Aged leads are not fresh leads, and an aged lead may have been contacted before.

Wallet and payment. Leads are purchased from a prepaid wallet balance held in U.S. dollars. The wallet is prepaid only: you cannot buy a lead you do not have the money for. Where a payment into your wallet is later reversed or charged back, we debit your wallet by that amount, which can leave the balance below zero. Wallet funds do not expire. A one-time payment into your wallet must be at least the one-time minimum, and a weekly plan payment must be at least the weekly plan minimum. There is also a weekly funding maximum. It limits how much may be added to your wallet in one week, one-time payments and weekly plan charges counted together. It is set for each account. It is not a limit on spending, and nothing limits how quickly you spend your own balance. We set these figures and may change them, and the current figures are shown in your account before you pay. The week runs Monday to Monday, Pacific time. Wallet funds may be used only to buy leads through Flow Vantage Connect. They cannot be redeemed for cash, cannot be withdrawn, cannot be returned to a card, and are not refundable. That is so whether you stop buying, close your account, or never spend the balance. There is one exception. If we permanently cease to sell leads through Flow Vantage Connect, we will return any unspent balance to you by means we reasonably select.

Pricing. The price of each lead is displayed in your account before purchase and is charged against your wallet at the moment a lead is allocated to you. We may change prices, and prices differ by product line and tier. Price changes apply prospectively and never to leads already delivered. Prices quoted on this website are for the product and tier named and may not reflect every product line.

Disputes and credits. You have 72 hours from delivery of a lead to dispute it. A dispute must be about a fact that can be checked: the telephone number does not reach the person, the lead duplicates one already delivered to you inside thirty days, the lead is not the product line it was sold as, or the consent certificate will not open. Every dispute is reviewed by a person, and an upheld dispute is credited to your wallet. A lead is not creditable because the consumer did not answer, was not interested, or did not buy. That is ordinary selling risk. Credits are returned to your wallet balance and are not refunded to a payment card. A lead that was charged but not delivered cannot be disputed, and it is not refunded to a card. It goes to our own queue, and where we cannot deliver it, we credit it back to your wallet: the price you paid, or the free lead, according to how it was bought.

Delivery and CRM. Leads are delivered to the customer relationship management system you nominate. You may connect your own, at no recurring cost to us, or subscribe to a CRM we provision for a monthly fee shown at signup, cancellable at any time. We are not responsible for the availability, configuration, or data handling of a third-party system you nominate.

No guarantee of results. We make no representation or guarantee regarding lead volume, availability in any state or product line, contact rates, appointment rates, policy sales, income, or return on investment. Lead availability depends on advertising performance, platform approvals, consumer behavior, and the states and product lines you select. We may suspend or limit delivery at any time.

3. Agent Eligibility and Your Responsibilities

Licensing. You represent and warrant that you are, and will remain, a duly licensed insurance producer in every state in which you receive and work leads, and that you will promptly remove any state in which your license lapses. Licensing information you give us is self-attested. We do not verify it, and nothing in the Services should be understood as verification of any agent’s license.

You are the caller, and compliance with contact law is yours. Once a lead is delivered to you, you decide whether, when, and how to contact that consumer. You are solely responsible for complying with all laws that govern your outreach, including the Telephone Consumer Protection Act, federal and state Do Not Call rules, state telemarketing and “mini-TCPA” statutes, call recording and disclosure laws, and any rules governing automated dialing, prerecorded or artificial voice messages, and text messaging. The consent record we provide reflects the consumer’s request to be contacted about the product they inquired about. It does not replace your own compliance program, your own opt-out handling, or your own legal advice.

Use of leads. Leads are licensed to you for your own insurance sales activity. You may not resell, share, syndicate, redistribute, or transfer a lead to any other agent, agency, marketing organization, or data buyer, and you may not use lead data to build or enrich a list for sale.

Accounts. You are responsible for the accuracy of the information in your account, for keeping your credentials secure, and for all activity under your account. You must be at least 18 years old and acting on your own behalf or with authority to bind the entity you represent.

4. Consumer Consent and Lead Data

We collect the consumer’s consent at the point of inquiry, retain a record of the exact disclosure shown, and pass that record to you with the lead. Keep it. It is the evidence of consent for that contact.

Once a lead is delivered, you determine how you use and retain that consumer’s personal information and you act as an independent controller of it. You are responsible for honoring any opt-out, revocation of consent, or deletion request the consumer makes to you, and for your own privacy notices and data security. If a consumer revokes consent with us, we will not sell further leads for that consumer, but we cannot withdraw a lead already delivered to you, and your obligation to honor a revocation made to you is independent of ours.

5. Platform Relationships

We operate advertising campaigns on third-party platforms. We are not affiliated with, endorsed by, or sponsored by Meta Platforms, Inc. or any other advertising platform. Those platforms may approve, reject, or remove advertising in their discretion, which may affect lead availability.

6. Website Use

You agree to use the Flow Vantage website only for lawful purposes. You may not:

• Use the site to transmit any unlawful, harmful, fraudulent, or abusive content.
• Attempt to gain unauthorized access to any part of the site or its systems.
• Use automated scraping, crawling, or data-extraction tools without our written permission.
• Impersonate Flow Vantage, its operator, or any other person or entity.
• Interfere with or disrupt the operation of the site or its infrastructure.

7. Intellectual Property

All content on this website, including text, graphics, logos, and code, is the property of Flow Vantage and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written consent. Our advertising creative, consumer websites, and the Connect platform remain ours. Lead data delivered to you is addressed in Section 4 and in your agent agreement.

8. Disclaimer of Warranties

THE FLOW VANTAGE WEBSITE, FLOW VANTAGE CONNECT, AND ALL LEADS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, FLOW VANTAGE DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY LEAD WILL BE REACHABLE, ACCURATE, INTERESTED, OR INSURABLE, OR THAT ANY PARTICULAR RESULT WILL BE ACHIEVED.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FLOW VANTAGE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, INCLUDING LOSS OF PROFITS, LEADS, OR DATA, EVEN IF FLOW VANTAGE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL FLOW VANTAGE’S TOTAL LIABILITY FOR ALL CLAIMS EXCEED THE TOTAL AMOUNTS YOU PAID TO FLOW VANTAGE IN THE 90 DAYS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations, so the above may not apply to you in full.

10. Indemnification

You agree to indemnify, defend, and hold harmless Flow Vantage and its operator from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your contact with, or outreach to, any consumer whose lead was delivered to you, including any claim under the Telephone Consumer Protection Act, Do Not Call rules, or any state telemarketing statute; (c) your sale or attempted sale of any insurance product; (d) your violation of these Terms; or (e) your violation of any applicable law, regulation, licensing requirement, or platform policy.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Services shall be resolved in the state or federal courts located in Los Angeles County, California, and you consent to personal jurisdiction in those courts.

12. Changes to These Terms

We may modify these Terms at any time. We will update the “Last updated” date when changes are made. Continued use of the Services after updated Terms are posted constitutes your acceptance of the updated Terms.

13. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force. Our failure to enforce any provision is not a waiver of our right to do so later. These Terms, together with our Privacy Policy and any agent agreement you accept, constitute the entire agreement between you and Flow Vantage regarding your use of the Services.

14. Text Messaging (SMS) Program

Program status. Our text messaging program is not currently sending messages. The terms below govern it when it is active.

Program description. Flow Vantage Group LLC operates a text messaging program for people who provide us a mobile number. Messages fall into two categories, and you consent to each one separately. Customer care and transactional messages include appointment confirmations and reminders, onboarding and account updates, replies to support requests, and follow-up on an inquiry you started. Marketing and promotional messages include service announcements, availability updates, and offers.

How to opt in. Consent is collected through two separate, unchecked checkboxes on the form where you provide your mobile number to us. Neither box is pre-checked, neither is required to submit the form, and consent is not a condition of purchase. You may check either, both, or neither.

How to opt out. Text STOP to any message at any time to be unsubscribed, and you will receive a confirmation. Text HELP for assistance, or contact us at hello@flowvantagegroup.com or (916) 546-7399. Opting out of text messages also removes you from marketing email and marketing phone calls.

Message frequency and rates. Message frequency varies. Message and data rates may apply. Charges are set by your mobile carrier and are your responsibility.

Carrier liability. Mobile carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your carrier and is outside our control.

Age restriction. You must be at least 18 years of age to consent to receive text messages from us. Do not provide a mobile number if you are under 18.

Our handling of mobile information, including the statement that no mobile information is sold or shared with third parties or affiliates for marketing purposes, is described in our Privacy Policy.

15. Contact

Questions about these Terms? Contact us at: hello@flowvantagegroup.com or (916) 546-7399. Flow Vantage Group LLC, 2108 N St, Sacramento, CA 95816.