Terms of service

1. Parties and acceptance

These Terms of Service are an agreement between you (“Buyer”) and RJ Webworks LLC, a Florida limited liability company doing business as RJ Lead Group (“we,” “us,” or “Company”). By creating an account, submitting an order, or accepting delivery of any lead or call, you accept these terms.

RJ Lead Group is a brand of RJ Webworks LLC. All contracts, terms, privacy obligations and payment instruments run through RJ Webworks LLC.

2. Eligibility

You represent that you are at least 18 years old, that you are properly licensed and appointed to sell the insurance products you intend to sell in each state where you will contact prospects, and that you have authority to bind the entity on whose behalf you are ordering.

3. Orders, prepayment and delivery

• All orders are prepaid. Delivery begins when funds clear, not when payment is initiated.
• Accepted payment methods at present are ACH via invoice, Zelle and wire. Card processing may be added later as an optional rail.
• Orders specify vertical, freshness tier, exclusivity, state set, age range and volume. We fill against those criteria.
• Real-time records are targeted for delivery within 60 seconds of generation. Delivery timing is a target and not a guarantee where third party endpoints, carriers or integrations are involved.
• Standing orders continue at the stated volume until you pause or cancel them. There is no minimum term.

4. Inventory distribution

Unless your order expressly states otherwise in writing, records are not sold on an exclusive basis and the same record may be delivered to more than one buyer. No statement on this website, in any advertisement, or by any representative should be read as a promise of exclusivity, and we make no representation as to how many other buyers receive a given record.

Exclusive delivery is available on request and must be agreed in writing on the order before delivery begins. Aged inventory is never sold as exclusive under any circumstances.

5. Permitted use and your compliance obligations

Leads and call data are licensed to you for your own sales use. You may not resell, redistribute, sublicense, syndicate, or transfer records to any third party, and you may not use them to build or enrich a list you offer to others. Records are traceable and we seed inventory to detect resale.

You are solely responsible for your own outbound compliance, including:

• Telephone Consumer Protection Act (TCPA) obligations, including any consent required for your own use of automated technology, prerecorded messages or SMS.
• Federal and state do-not-call requirements, calling-time restrictions and state-specific registration.
• Honoring opt-out and revocation requests you receive, and notifying us so we can suppress the record.
• Your own recording-consent obligations in two-party consent jurisdictions.
• Carrier, FMO, IMO and state DOI marketing rules applicable to your appointments.

We supply a TrustedForm certificate documenting the prospect’s express written consent as captured on our page. That certificate documents consent given to us and our marketing partners; it is not legal advice and it does not substitute for your own compliance program.

6. Prohibited conduct

• Reselling or redistributing records, in whole or in part.
• Using records for any purpose other than marketing the insurance or financial products described in your order.
• Misrepresenting affiliation with any government agency, the Department of Veterans Affairs, Medicare, or the Company.
• Attempting to scrape, reverse engineer, or gain unauthorized access to the dashboard, CRM, or call infrastructure.
• Sharing dashboard credentials outside your organization.

7. Live inbound calls

Live calls are routed to the agents, availability windows and concurrency limits you configure. Calls bill only after a 10-second connected duration threshold. Duplicate callers within 30 days are not billed. Wrong-number and non-qualifying calls are credited on review of the recording. Calls are recorded; by taking calls through our infrastructure you consent to recording and you are responsible for any disclosure your own jurisdiction requires of you.

8. Dashboard and CRM

A CRM seat is provided at no charge while a weekly standing order is active, and is otherwise available at $49 per month. We may modify dashboard and CRM functionality over time. Your lead data remains exportable by you for as long as your account is in good standing.

9. Refunds and replacements

All sales are final. Replacements are the sole remedy for defective records and are governed by our Refund and Replacement Policy, which is incorporated into these terms by reference.

10. Chargebacks

Filing a card or bank dispute rather than using the replacement process is a material breach of these terms. It results in immediate account termination and forfeiture of any prepaid balance.

A chargeback filed on delivered inventory is a liquidated debt owed to RJ Webworks LLC. We may recover the disputed amount together with any processor fees, bank fees, interest at the maximum rate permitted by Florida law, and our costs and reasonable attorneys’ fees of collection. Because these amounts are typically within the jurisdictional limit of Florida small claims, we ordinarily pursue them in the small claims division of the County Court in and for Miami-Dade County, Florida, as provided in Section 17. You agree that a chargeback on delivered inventory is not a matter subject to arbitration and that you will not seek to compel arbitration of it.

All disputes must go through support first.

11. Disclaimer of warranties

Leads and calls are provided “as is.” We do not guarantee contact rates, appointment rates, close rates, premium, return on investment, or that any prospect will answer, qualify, or purchase. No statement by any representative creates a warranty beyond these terms. To the maximum extent permitted by law we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

12. Limitation of liability

To the maximum extent permitted by law, our aggregate liability arising out of or relating to these terms, your account, or any lead or call is limited to the amount you paid us for the specific order giving rise to the claim. We are not liable for indirect, incidental, consequential, special, exemplary or punitive damages, or for lost profits, lost commissions, or regulatory penalties assessed against you.

13. Indemnification

You agree to indemnify, defend and hold harmless RJ Webworks LLC, its members, officers and agents from any claim, demand, action, penalty or expense (including reasonable attorneys’ fees) arising from your use of records or calls, your outbound marketing conduct, your breach of these terms, or your violation of any law — including the TCPA, state telemarketing statutes, and insurance marketing regulations.

14. Suspension and termination

We may suspend or terminate an account for breach of these terms, for resale of inventory, for a chargeback, for abusive conduct toward our staff, or for conduct that creates regulatory risk for us. On termination for cause, prepaid balances are forfeited. On termination without cause by us, unused prepaid balance is refunded.

15. Privacy

Our handling of personal information is described in the Privacy Policy. Where you receive personal information from us, you act as an independent controller of that information and are responsible for your own obligations to the consumer.

16. Changes to these terms

We may update these terms. Material changes will be posted here with an updated date and, for active buyers, sent by email. Continued use or a new order after the effective date constitutes acceptance.

17. Dispute resolution, governing law and venue

17.1 Governing law

These terms and any dispute arising out of or relating to them, to your account, or to any lead or call, are governed by the laws of the State of Florida, without regard to its conflict of laws principles.

17.2 No arbitration

Disputes under this agreement are resolved in court, not in arbitration. There is no arbitration agreement between the parties. Each party knowingly and voluntarily waives any right it may otherwise have to demand, compel, initiate or participate in arbitration of any claim arising out of or relating to these terms, and agrees that no such claim shall be submitted to arbitration, whether under the Federal Arbitration Act, Chapter 682 of the Florida Statutes, or the rules of any arbitral forum. Neither party will move to compel arbitration or to stay a court proceeding in favor of arbitration. This waiver is mutual, is a material inducement to entering into this agreement, and survives termination of your account.

17.3 Exclusive venue, including small claims

The exclusive venue for any dispute is Miami-Dade County, Florida. Specifically:

• Claims within the jurisdictional limit of the Florida small claims rules may be brought in the small claims division of the County Court in and for Miami-Dade County, Florida. We expressly reserve the right to bring collection actions there, including actions to recover chargebacks, unpaid balances and fees under Section 10.
• Claims exceeding that limit shall be brought in the County Court or the Circuit Court of the Eleventh Judicial Circuit in and for Miami-Dade County, Florida.

Each party consents to personal jurisdiction in those courts and waives any objection to venue there, including any objection based on inconvenient forum. If you are served with process in an action brought in Miami-Dade County, Florida, you agree not to seek transfer or dismissal on the ground that you reside or do business elsewhere.

17.4 Jury and class action waiver

Each party knowingly and voluntarily waives any right to a trial by jury. Each party further waives any right to bring or participate in a class, collective, consolidated or representative action, and agrees that claims will be brought only in an individual capacity.

17.5 Notice, prevailing party and limitations period

Before filing suit, the party asserting a claim will give the other written notice describing the claim and allow 15 days to resolve it. Notice to you may be sent to the email address on your account; notice to us goes to legal@rjwebworks.com. The prevailing party in any action is entitled to recover its costs and reasonable attorneys’ fees. Any claim must be brought within one year after it accrues, or it is permanently barred, to the extent that period is enforceable under Florida law.

18. Miscellaneous

These terms, together with the Replacement Policy and Privacy Policy, are the entire agreement between the parties. If any provision is held unenforceable, the remainder stays in force. Our failure to enforce a provision is not a waiver of it. You may not assign this agreement without our written consent.

19. Contact

RJ Webworks LLC
Miami-Dade County, Florida
legal@rjwebworks.com