Terms of service

1. What Inforce Leads is and is not

Inforce Leads, operated by Aliança Marketing LLC, routes live inbound life insurance calls to licensed insurance professionals. It is not an insurer, agency or carrier, does not sell insurance, and is not affiliated with, endorsed by, or sponsored by any insurance carrier.

The service is for licensed agents and brokers only. It is not for consumers.

2. No guarantees

We do not guarantee a number of calls, how long calls last, whether a caller qualifies for coverage, or whether you make a sale. Call volume changes with demand and with the states and hours you pick. Carriers alone decide premiums, approvals and declines.

We do not guarantee uptime, results, sales, approvals or income.

3. Your responsibilities as a licensed professional

You must hold an active license in every state you select and any carrier appointments you need. You are responsible for following every law and rule that applies to you, including insurance advertising, replacement, suitability and best-interest rules, Do Not Call and telemarketing laws, call recording consent laws, and your carrier and agency agreements.

You are responsible for what you tell callers and for the caller information you receive.

4. Calls

Each call is routed to one agent. We do not resell or share a call we route to you.

Calls ring during the hours you set, from the states you select.

5. Packages, payment and refunds

You can buy calls two ways. A one-week package is paid once, in advance, and does not renew; to keep receiving calls, buy another week. A weekly plan is billed in advance each week at the price shown at checkout and renews until you cancel. You can cancel a weekly plan any week; cancelling stops future billing, and calls continue through the week you paid for.

ALL SALES ARE FINAL. We do not give refunds, prorated refunds or credits for unused time or for calls you did not answer.

Prices may change. A new price applies to packages bought after the change. For weekly plans, we will tell you before you are billed at a new price. A chargeback on a charge that was validly billed is a breach of these terms and grounds for ending your account.

6. Accounts and acceptable use

Each account is for one named, licensed individual. You may not share your account, resell or transfer calls, forward calls to anyone who is not licensed, or use the service to build a competing product. We may suspend or close an account that breaks these terms, without a refund.

7. Intellectual property

Aliança Marketing LLC owns the service, the site and the Inforce Leads name and mark. Your purchase gives you a limited, revocable, non-transferable right to use the service. Carrier names are trademarks of their owners.

8. Disclaimer and limit of liability

The service is provided "as is" and "as available," without warranties of any kind, express or implied.

Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim. We are not liable for indirect, incidental or consequential damages, including lost commissions, lost clients, chargebacks or regulatory penalties. Some states do not allow these limits, so they may not all apply to you.

9. Indemnification

You agree to defend and indemnify Aliança Marketing LLC and its members, employees and contractors against claims arising from your use of the service, your communications with callers, or your breach of the law or these terms.

10. Changes to the service and these terms

Features, states, hours and pricing may change at any time. We post revised terms on this page and change the date at the top. Using the service after a change means you accept it. If any part of these terms cannot be enforced, the rest stays in effect.

11. Privacy

Our privacy policy is part of these terms. By signing up, you accept both.

12. Governing law

These terms are governed by the laws of the State of Georgia.

13. Contact

Aliança Marketing LLC, doing business as Inforce Leads. inforceleads.com. support@inforceleads.com