Welcome to Atlas Leadgen LLC (“Atlas,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of atlasleadgen.io (the “Site”) and the lead-generation services we provide (the “Services”). By accessing the Site or using the Services, you (“Agent,” “you,” or “your”) agree to these Terms. If you do not agree, do not use the Site or Services.

Please read carefully. These Terms include a binding arbitration clause in Section 14, a waiver of class actions, and a limitation on Atlas’s liability.

This website is operated by Green Ridge LLC, a Vermont limited liability company (“Company”, “we”, “us”). ‘Atlas LeadGen’ is a service offering of Green Ridge LLC.

1. Acceptance of Terms

These Terms form a binding legal agreement between you and Atlas Leadgen LLC. By creating an account, purchasing leads, or otherwise using the Site or Services, you represent and warrant that:

1. You are at least 18 years old.
2. You are a licensed insurance producer or otherwise legally authorized to receive and contact insurance leads in the states where you operate.
3. You have the authority to bind your employer or agency (if applicable) to these Terms.
4. You will comply with all applicable laws, including the Telephone Consumer Protection Act (TCPA), state Do Not Call regulations, A2P 10DLC requirements, and state insurance laws.

If you are entering into these Terms on behalf of a company or agency, you represent that you have authority to bind that entity.

2. Description of Services

Atlas operates a business-to-business lead-generation platform that sells exclusive insurance leads to licensed insurance agents and agencies. Our Services include:

• Real-time delivery of opt-in insurance leads
• Lead categorization across product verticals (Final Expense, Mortgage Protection, IUL, Whole Life, Term)
• Agent dashboard and lead-management tools
• Customer support for active accounts
• Optional integrations with CRMs and dialers (subject to availability)

We do not provide insurance underwriting, broker services to consumers on your behalf, or guarantee any conversion outcomes. You are solely responsible for selling, underwriting, and servicing the policies you write.

3. Agent Accounts

To purchase leads, you must create an account. You agree to:

1. Provide accurate, current, and complete information.
2. Maintain the confidentiality of your account credentials.
3. Notify us immediately of any unauthorized access.
4. Be responsible for all activity that occurs under your account.

You may not transfer your account to another person. We reserve the right to suspend or terminate accounts that violate these Terms, applicable law, or carrier compliance requirements.

4. Lead Purchases, Pricing, Payment, and Replacements

a) Pricing. Lead pricing is provided in your account dashboard or through individual order agreements. Prices are subject to change with notice; the price in effect at the time of your order is the price that applies.

b) Payment. Payment is due upon order or per the terms of your individual order agreement. Accepted payment methods are listed in your account. Failure to pay any amount when due may result in account suspension.

c) Auto-billing. If you enroll in recurring lead delivery, you authorize Atlas to charge your payment method on the agreed schedule. You may cancel auto-billing at any time through your account dashboard.

d) Lead Quality, Refunds, and Replacements. Atlas’s full Lead Quality and Refund Policy is published separately at atlasleadgen.io/lead-quality-policy/ and incorporated by reference. Leads with the following defects are eligible for replacement (not cash refund unless otherwise agreed):

• Wrong-number / non-working phone
• Confirmed deceased prospect
• Lead does not match the requested vertical or state
• Duplicate lead delivered within 30 days of an earlier delivery
• Disconnected or invalid contact information

Replacement requests must be submitted within 7 days of delivery via your account dashboard. See the Lead Quality and Refund Policy for complete eligibility, exclusions, and the replacement process.

e) Taxes. You are responsible for any sales, use, or similar taxes imposed by your jurisdiction. Atlas may charge such taxes if required by law.

5. Acceptable Use

You agree not to:

1. Use leads outside the state(s) you are licensed in.
2. Contact leads in violation of TCPA, the National Do Not Call Registry, state DNC laws, or A2P 10DLC requirements.
3. Resell, share, transfer, lease, or distribute leads to third parties without Atlas’s written consent.
4. Use the Site or Services to harass, defraud, or mislead consumers.
5. Reverse-engineer, scrape, decompile, or otherwise misuse the Site or its underlying technology.
6. Use leads for any purpose other than the insurance product vertical for which they were purchased.
7. Misrepresent your identity, your agency, or the carriers you represent.
8. Upload viruses, malware, or any harmful code to the Site.
9. Bypass or attempt to bypass any security or rate-limiting mechanism.

Atlas takes lead-misuse seriously. Confirmed violations of this Section 5 may result in immediate account termination, forfeiture of unused lead credit (without refund), reporting to relevant carriers or regulators, and pursuit of any other legal remedies available to us.

6. Intellectual Property

a) Atlas’s IP. The Site, including its design, logo, text, graphics, code, and the Atlas Leadgen brand, is owned by or licensed to Atlas Leadgen LLC and protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or use Atlas’s branding without prior written permission.

b) Lead data. Lead data delivered to you remains subject to consumer privacy laws and the original consumers’ opt-in scope. You receive a limited, non-exclusive, non-transferable license to contact the leads for the specific insurance product vertical and state for which they were purchased. You do not own the underlying consumer data.

c) Your content. If you submit content to the Site (e.g., feedback, testimonials), you grant Atlas a non-exclusive, worldwide, royalty-free license to use, reproduce, and display that content in connection with the Services.

7. Disclaimers

The Site and Services are provided “as is” and “as available.” To the fullest extent permitted by law, Atlas disclaims all warranties, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, title, and accuracy or reliability of data.

Specifically, Atlas does not guarantee:

• That any lead will convert into a sale or written policy.
• That any lead is reachable, qualified, or in good health.
• That the Site will be uninterrupted, error-free, or secure.
• Specific income, revenue, or business outcomes.

Insurance-sales outcomes depend on factors entirely outside Atlas’s control, including the agent’s skill, market conditions, and consumer decisions. Any testimonials, results, or case studies displayed on the Site represent individual experiences and do not guarantee outcomes for any other agent.

8. Limitation of Liability

To the fullest extent permitted by law, in no event will Atlas Leadgen LLC, its officers, directors, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages; lost profits, lost revenue, lost data, or business interruption; losses arising from your use or inability to use the Site or Services; losses arising from any third-party conduct or content; or losses arising from consumer complaints, regulatory actions, or litigation relating to your use of the leads — whether arising in contract, tort, negligence, strict liability, or any other legal theory, even if Atlas has been advised of the possibility of such damages.

Atlas’s total cumulative liability under these Terms will not exceed the greater of (a) the fees you paid to Atlas in the three (3) months preceding the event giving rise to the claim, or (b) one hundred dollars ($100). This limitation applies to all claims, whether in aggregate.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. The above limitations may not fully apply to you to the extent prohibited by applicable law.

9. Indemnification

You agree to indemnify, defend, and hold harmless Atlas Leadgen LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and litigation costs) arising out of or related to:

1. Your use of the Site or Services;
2. Your violation of these Terms;
3. Your violation of TCPA, DNC laws, A2P 10DLC requirements, state insurance laws, or other applicable consumer-protection laws;
4. Your contact with consumers in a manner that exceeds the scope of their consent;
5. Any third-party claim that you have re-sold, transferred, or misused leads;
6. Your negligence or willful misconduct;
7. Any misrepresentation in your account information.

Atlas reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us.

10. TCPA and Compliance

You acknowledge sole responsibility for complying with the Telephone Consumer Protection Act (TCPA), state-specific DNC and telemarketing laws, A2P 10DLC carrier requirements, and state insurance regulations when contacting leads purchased from Atlas.

Atlas provides leads with documented opt-in records, but you assume responsibility for:

1. Maintaining proper licensing in the state(s) of contact.
2. Honoring opt-out requests (STOP, UNSUBSCRIBE, etc.) within the timeframe required by law.
3. Maintaining quiet hours (typically 8 a.m. – 9 p.m. local) and frequency caps.
4. Storing consent records consistent with TCPA defense requirements (typically 4+ years).
5. Scrubbing your call lists against the National DNC Registry and applicable state DNC lists at least every 31 days.

Atlas may, at its discretion, provide consent records or opt-in-language documentation to support an agent’s TCPA defense, subject to the underlying lead vendor’s confidentiality obligations.

11. Third-Party Services

The Site and Services may include integrations with third-party services (e.g., Twilio, Stripe, Google, Meta). Your use of those third-party services is subject to their own terms and privacy policies. Atlas is not responsible for third-party services or their availability, accuracy, or security.

12. Termination

a) Termination by you. You may terminate your account at any time by contacting us at the email or phone listed in Section 17. Any unused, non-refundable lead credit may be forfeited per the Lead Quality and Refund Policy.

b) Termination by Atlas. Atlas may suspend or terminate your account, with or without notice, if you violate these Terms or any incorporated policy; fail to pay amounts owed; are alleged to violate TCPA, DNC, or insurance laws; engage in conduct harmful to Atlas, its other clients, or consumers; or provide false or misleading account information.

c) Effect of termination. Upon termination, your access to the Site and Services ends. Sections that should reasonably survive termination — including Sections 4(d), 6, 7, 8, 9, 13, and 14 — will survive.

13. Governing Law

These Terms are governed by the laws of the State of Vermont, without regard to its conflict-of-law provisions, except where federal law preempts (e.g., the Federal Arbitration Act).

14. Dispute Resolution

Option A — Mandatory Binding Arbitration

1. Any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services (“Dispute”) will be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration will be conducted in Burlington, Vermont, or via video conference at the parties’ agreement. The arbitrator’s decision is final and binding. Judgment may be entered on the award in any court of competent jurisdiction.
2. Class Action Waiver. The parties waive any right to bring or participate in a class action, collective action, or representative proceeding. All disputes must be brought in an individual capacity only.
3. Jury Trial Waiver. The parties waive any right to trial by jury.
4. Costs. Each party bears its own attorneys’ fees and costs in the arbitration. The AAA filing fees and arbitrator compensation are governed by AAA rules.
5. Exceptions. Either party may bring an individual claim in small-claims court for any dispute within that court’s jurisdiction. Either party may also seek injunctive or equitable relief in court for misuse of intellectual property, confidentiality breaches, or violations of Section 5.
6. Opt-Out Right. You have the right to opt out of arbitration within 30 days of first agreeing to these Terms by sending a written opt-out notice to Atlas Leadgen LLC at the address in Section 17 stating your name and your decision to opt out.

Option B — Vermont State and Federal Courts

Any Dispute arising out of or relating to these Terms, the Site, or the Services will be resolved exclusively in the state or federal courts located in Chittenden County, Vermont. The parties consent to the personal jurisdiction of those courts. The parties waive any right to trial by jury and any right to bring or participate in a class action.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be posted on this page with an updated “Last Updated” date. If changes are significant, we may notify you by email or through a notice on the Site. Continued use of the Site or Services after changes take effect constitutes acceptance.

16. Miscellaneous

a) Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable.

b) No Waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right.

c) Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a corporate transaction or restructuring.

d) Entire Agreement. These Terms, together with the Privacy Policy, the Lead Quality and Refund Policy, the SMS Messaging Policy, and any individual order agreements, constitute the entire agreement between you and Atlas Leadgen LLC concerning your use of the Site and Services. They supersede any prior or contemporaneous communications.

e) Force Majeure. We are not liable for delays or failures in performance caused by events beyond our reasonable control (e.g., natural disasters, acts of war, government action, network or carrier outages).

f) Notices. Notices to Atlas should be sent to the address in Section 17. Notices to you may be sent to the email associated with your account.

g) Headings. Section headings are for convenience only and do not affect interpretation.

17. Contact Us