1. Acceptance of Terms
By accessing or using the Lead Zentra LLC website at leadzentra.com (the "Site") or any of our services, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, do not use our Site or services.
These Terms constitute a legally binding agreement between you and Lead Zentra LLC ("Lead Zentra," "we," "us," or "our"). We reserve the right to update these Terms at any time without prior notice. Continued use of the Site following any changes constitutes your acceptance of the new Terms.
2. Service Description
Lead Zentra operates as an online lead generation platform that collects consumer information and shares it with third-party insurance carriers, agencies, and independent agents who may offer insurance products and services to you.
By submitting your information through our forms, you understand and acknowledge that:
- Your information will be shared with one or more third-party insurance companies or agents
- You may be contacted by these third parties by phone, text, email, or mail
- Lead Zentra is not itself an insurance company, agent, broker, or advisor
- Lead Zentra does not guarantee any insurance quote, coverage, or specific outcome
3. Eligibility
You must be at least 18 years of age to use our Site or services. By using our Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. Our Site is intended for residents of the United States only.
4. Consent to Contact
By submitting a form on our Site, you expressly consent to receive communications from Lead Zentra and our insurance partners via telephone calls, text messages (including by autodialer or prerecorded voice), and email, even if you are registered on the National Do Not Call Registry.
Your consent records — including the timestamp, IP address, form URL, and consent language — are retained for a minimum of four (4) years in accordance with TCPA requirements.
5. Disclaimers
THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Lead Zentra does not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or servers making it available are free of viruses or other harmful components.
6. Insurance Disclaimer
Any insurance information provided on our Site is for general informational purposes only and does not constitute insurance, legal, financial, or professional advice. You should consult a licensed insurance professional for advice specific to your situation.
Lead Zentra makes no representation that any particular insurance product is available or suitable for you. Insurance availability, rates, and coverage vary by state, insurer, and individual circumstances.
7. Medicare Disclaimer
Information about Medicare products on our Site is provided for general informational purposes only. Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plans are offered by private insurance companies. Benefits, costs, and coverage vary. Not all plans are available in all areas.
8. User Conduct
You agree not to use the Site to:
- Submit false, fraudulent, or misleading information
- Violate any applicable laws or regulations
- Infringe on the rights of any third party
- Transmit unsolicited commercial communications
- Interfere with or disrupt the Site or servers
- Attempt to gain unauthorized access to any part of the Site
- Use automated means to access or scrape the Site
9. Intellectual Property
All content on the Site, including text, graphics, logos, images, and software, is the property of Lead Zentra LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LEAD ZENTRA, INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU TO LEAD ZENTRA IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.
11. Indemnification
You agree to indemnify, defend, and hold harmless Lead Zentra LLC, its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses arising from: (a) your use of the Site or services; (b) your violation of these Terms; or (c) your violation of any third-party rights.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the state and federal courts located in Delaware for the resolution of any disputes.
13. Dispute Resolution
Any dispute arising out of or relating to these Terms or your use of the Site shall first be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association's Consumer Arbitration Rules. You waive any right to a jury trial or to participate in a class action.
14. Termination
We reserve the right to terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Site will immediately cease.
15. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by updating the "Last Updated" date. Your continued use of the Site following any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.
16. Contact Us
If you have questions about these Terms of Service, please contact us:
- Email: legal@leadzentra.com
- Mailing Address: Lead Zentra LLC, Legal Department, [Address], United States
- Phone: 1-800-LEAD-ZEN