The agreement between Black Label Leads and every subscribed agent.
Effective date: July 25, 2026 · This policy covers blacklabelleads.app and portal.blacklabelleads.app.
These Terms are an agreement between Black Label Leads, a brand of Mussman Enterprise, an Oklahoma company ("Black Label Leads," "we," "us"), and the licensed insurance agent or agency accepting them ("you"). By applying for, subscribing to, or receiving leads through Black Label Leads, you accept these Terms.
You must hold an active insurance producer license and provide your accurate National Producer Number (NPN). We verify applicants against national producer records (NIPR) and may decline or revoke access if your license is inactive, suspended, or misrepresented. Accounts are created by invitation after approval. You are an independent business; nothing here creates an employment, agency, franchise, or partnership relationship, and we do not supervise or direct your insurance business.
We generate consumer insurance inquiries ("leads") through our own advertising and deliver them to subscribed agents in real time, filtered by the state(s), vertical(s), and coverage settings you select. Each lead includes the consumer's submitted information and a reference to its third-party consent certificate (TrustedForm). See our Privacy Policy for how consumer and agent information is collected and used. Before delivery begins, you must complete account setup, including the agent introduction card ("what your leads see"); leads are not routed to incomplete accounts.
Each lead is sold to exactly one agent, once, forever. We will never deliver, resell, share, re-broker, or redistribute a lead that was assigned to you to any other buyer, at any time. Our routing system enforces this at the database level.
What exclusivity does not mean: we control our own distribution, not consumer behavior. A consumer may independently request quotes elsewhere, respond to other companies' advertising, or already know other agents. Exclusivity is a promise about what we do with the lead, and it is the only promise "exclusive" can honestly mean.
Each weekly tier has a lead target: Gold targets 12 per week, Black Label 30. The Proving Ground entry pack is one time: 20 total leads over approximately two weeks, limited to one purchase per agent ever, with its own day-21 pro-rata refund for any undelivered leads. Targets are supply goals, not guaranteed counts.
If, in a completed billing week, the leads delivered to you fall below 80% of your tier's target because of our supply, a credit of $50 per lead of shortfall (measured against the target) is applied automatically to your next invoice. You do not need to request it.
The make-good does not apply to shortfall you cause: weeks or days you set yourself to Paused, coverage filters you narrowed below what your market supports, or delivery days you scheduled off (targets prorate to your scheduled delivery days). The make-good is calculated once per billing cycle and issued as account credit, not cash. Credits do not expire while your subscription stays active.
A delivered lead is replaced or credited at the per-lead rate if, within 24 hours of delivery, you flag it with a reason as: (a) a disconnected or wrong number; (b) outside the filters you purchased (wrong age, state, or vertical); (c) a duplicate of a lead you already received; or (d) a person with no record of requesting information. This standard is published on our pricing page and applies identically to every agent. Abuse of the flagging system (systematically flagging workable leads) is grounds for suspension under Section 10.
Subscriptions bill weekly in advance through our payment processor (Stripe). When you accept a seat, a payment method is reserved and the first charge occurs when your first delivery cycle begins. If a payment fails, delivery pauses until payment succeeds. Prices are per tier as published; we may change prices with at least 14 days' notice, effective your next billing cycle. Amounts paid are non-refundable except as provided by the make-good (Section 4), the replacement standard (Section 5), the Proving Ground pack's own refund terms, or applicable law; remedies other than a refund are issued as account credits.
You will:
The consent certificate documents the consumer's website consent; your dialing, texting, and follow-up conduct once you make contact is your own responsibility as an independent licensed producer.
You authorize us to send each consumer assigned to you an introduction on your behalf containing your name, photo, license number, and callback number, so the consumer recognizes your call. You are responsible for the accuracy of that information.
We make no promise of contact rates, appointments, sales, income, or production. Illustrations on our site are examples, not projections. Your results depend on your own effort, skill, licensing, and market.
Either party may cancel at any time; cancellation takes effect at the end of the current paid week and stops future charges. We may suspend or terminate immediately for: non-payment; license inactivity; misuse of lead data; unlawful contact practices or consumer complaints indicating them; flag abuse; or breach of these Terms. Upon termination you keep leads already delivered to you, and your obligations in Section 7 survive for as long as you hold any lead data. Unused account credits are forfeited upon termination, and no refunds are owed except as law requires.
EXCEPT AS EXPRESSLY STATED IN SECTIONS 3–5, THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR LOST PROFITS. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE SUBSCRIPTION FEES YOU PAID IN THE FOUR (4) WEEKS BEFORE THE CLAIM AROSE.
You agree to indemnify and hold Black Label Leads harmless from any claim, loss, or expense, including reasonable attorney fees, arising from your outreach conduct, your breach of Section 7, or your misuse of lead data.
Any dispute arising from these Terms will be resolved by binding individual arbitration under the American Arbitration Association's Commercial Rules, except that either party may bring an individual claim in small claims court instead. Claims may be brought only on an individual basis; class, collective, and representative actions are waived. These Terms are governed by the laws of the State of Oklahoma.
These Terms plus your tier selection are the entire agreement and replace prior discussions. We may update these Terms with notice; continued subscription after the effective date of changes is acceptance. If any provision is unenforceable, the remainder stands. Notices go to your account email and to blacklabelleads@gmail.com.