Guarantee Terms

These Guarantee Terms are part of our Terms of Service. They are the only guarantees we offer. Every package is priced at a fixed amount per lead, and no guarantee depends on whether any insurance policy is sold.

Definitions

• "Lead": a researched business profile of one employer, delivered by GroupDeed, that may include named business contacts.

• "Lead Business": the employer described in a Lead.

• "Delivery Date": the date we email the package file to the buyer's account email. If one package arrives in more than one delivery, each Lead's Delivery Date is the date that Lead was delivered.

• "Exclusivity Window": as defined in our Terms of Service (Section 5): 90 days from a Lead's Delivery Date, for each purchase, extended by any Lead Lock months you pay for. Exclusivity is time-limited. When it ends without Lead Lock, the Lead is released, drops one grade, and may be sold to other brokers.

• "Grade": our own internal label, shown before purchase, for how many times we have sold a Lead before: Certified Fresh (not previously sold to any other broker), Gold (sold to one other broker before), Silver (two) or Bronze (three or more). Grades are not a certification by any outside organization.

• "Decision-Maker": an owner or HR contact at the Lead Business.

• "Meeting": a decision-maker (owner or HR contact) at the lead company attends a scheduled phone, video or in-person meeting with the broker. A meeting the broker cancels, reschedules more than once, or fails to attend counts as a meeting held.

• "Agency": as defined in our Terms of Service, a business entity identified by its legal business name, together with any affiliated entities under common ownership or control, and all brokers or producers working for or under it.

• "Lawful Outreach": outreach that complies with every law that applies to it (see "Broker outreach must be lawful" below).

• "Claim": a written request under a guarantee, sent to support@groupdeed.com with the subject line naming the guarantee, along with the evidence the guarantee requires.

Acceptable outreach evidence (all guarantees)

We accept the following as logged evidence. Each item must show the Lead Business or contact, the date, and the time.

1. A CRM activity export in its native format (CSV or XLSX) from HubSpot, Salesforce, GoHighLevel, Zoho, or a similar system, showing each call and email logged against the contact.
2. Call records: call-detail records or a call log from your phone system, dialer, or carrier, showing the number dialed, the date and time, and the duration or result.
3. Email records: a sent-mail export or a sending-platform log showing the recipient address, the date and time sent, and the subject line. Screenshots of the sent folder are accepted only if they show the full timestamp and recipient for each email.
4. A signed attestation (we provide the form) that the records are complete and accurate and that the outreach was Lawful Outreach.

Typed lists, edited or summarized spreadsheets, and records created after the claim window closed will not be accepted. We may ask for the native file or for a short screen-share to confirm the records. We will not contact your prospects to verify a Claim without your permission.

Broker outreach must be lawful

Only Lawful Outreach counts toward any outreach requirement. Any call, text, or email that breaks an applicable law does not count, and a Claim that relies on it will be denied. Examples include:

• calls to numbers on the National or a state Do Not Call list when no exemption applies;

• calls or texts placed with an autodialer, or using an artificial or prerecorded voice (including ringless voicemail), to a wireless number without the consent the law requires;

• calls outside the calling hours permitted by federal or state law, or above state limits on call frequency;

• emails that do not meet CAN-SPAM requirements: accurate header and From information, a non-deceptive subject line, identification as an advertisement where required, a valid physical postal address, and a working opt-out;

• any contact after the person asked not to be contacted.

When a prospect opts out: if a Decision-Maker clearly declines or asks not to be contacted, and the buyer logs that response, that Lead counts as fully worked. The buyer must then stop contacting that person.

1. Test Drive Refund Promise

Offer: The Test Drive is 10 Leads for $97. It is limited to one purchase per Agency.

1.1 What we promise. You qualify for a cash refund of the full $97 Test Drive price, paid to your original payment method, if all of these are true:

• (a) no Meeting with any Lead Business in your Test Drive pack takes place within 30 days after the Delivery Date (the "Meeting Period");

• (b) during the Meeting Period you made Lawful Outreach to every Lead in the pack (not counting Leads we replaced, or Leads that count as fully worked because the prospect opted out). For each Lead, that means at least 3 call attempts and at least 2 emails, with the call attempts spread over at least 2 different days;

• (c) you submit the Claim, with the evidence listed above, after the Meeting Period ends and no later than 45 days after the Delivery Date; and

• (d) you have not opened a chargeback or payment dispute for the purchase.

1.2 Refund method and timing. We review complete Claims within up to 10 business days. Approved refunds are paid within 5 business days of approval, to the original payment method. Your bank may take extra time to post the refund. A refund is the only remedy under this guarantee.

1.3 You keep the leads. After a refund, you may keep using the Test Drive Leads under the same license and use restrictions, and their exclusivity window continues.

1.4 One per Agency. Each Agency can buy one Test Drive and make one Test Drive Refund Promise Claim. Our checkout cannot block repeat purchases automatically. If we find a second Test Drive purchase by the same Agency, including one made under a different name, email, or card, we may cancel it and refund it in full within 5 business days of approval, to the original payment method. If the duplicate's Leads have not been delivered yet, they will not be delivered. If they have been delivered, the refund is in exchange for your agreement to delete them and to stop using them.

1.5 Replacements. If we replace a Lead under the Bad-Lead Replacement Guarantee, the replacement becomes part of your pack, and a Meeting with that replacement counts as a Meeting. The outreach requirement in 1.1(b) applies to the replacement only if we delivered it at least 15 days before the Meeting Period ends.

1.6 No double recovery. If you receive a Test Drive refund, you cannot also receive a credit toward another package based on the same Leads.

1A. Free 3-Lead Sample (14-day reservation)

1A.1 What it is. Eligible brokers may request 3 sample Leads in their territory free of charge. No purchase, payment card, or call is required, and you will not be enrolled in anything automatically.

1A.2 Reservation. For 14 days after the Delivery Date (the "Reservation Period"), we will not sell or give your 3 sample Leads to anyone else. When the Reservation Period ends, the reservation ends too, and we may offer those Leads to other customers. A sample does not include the 90-day exclusivity that comes with paid packages. Your sample is separate from any purchase: if you buy a package, it is made up of new Leads, and your sample Leads do not become part of it.

1A.3 Limit. One sample per Agency (as defined above). We may decline sample requests at our discretion, for example if we cannot verify that the requester is a licensed insurance producer or works at an insurance agency.

1A.4 Same rules. Sample Leads are subject to the same license, use restrictions, confidentiality, no-resale terms, and compliance duties as purchased Leads, including the duty to stop contacting anyone who opts out and to delete the Leads if we ask you to.

1A.5 No guarantees. Sample Leads are provided as-is. The Test Drive Refund Promise, Meeting Guarantee, Bad-Lead Replacement and Exclusivity or It's Free guarantees do not apply to them.

2. Bad-Lead Replacement Guarantee (all paid packages)

2.1 What counts as a bad Lead. A Lead is a "Bad Lead" if:

• (a) Hard bounce: the named Decision-Maker email we delivered returns a permanent delivery failure, meaning an SMTP 5.x.x "no such user," "unknown recipient," or "domain does not exist" response, on a first send;

• (b) Closed business: the Lead Business had permanently stopped operating, or had been dissolved, before the Delivery Date; or

• (c) Outside the size range: the Lead Business was outside 25–499 employees on the Delivery Date: fewer than 25 or more than 499.

2.2 Claim window. Report a Bad Lead within 14 days after its Delivery Date.

2.3 Evidence required.

• Hard bounce: the full bounce message, or a sending-platform bounce report, with the bounce code and timestamp.

• Closed business: a state business-registry status showing the business dissolved or inactive, a disconnected main line together with an inactive website, or a written statement from the business.

• Size: a written or recorded statement from a Decision-Maker at the business, or another reliable record showing the business's headcount on the Delivery Date.

2.4 Remedy: replacement only. We will replace each approved Bad Lead 1:1 with a Lead of the same or better grade in the same territory, or in a nearby territory you agree to, within 5 business days. Replacement is the sole and only remedy. No cash refunds or credits are given for Bad Leads.

2.5 Not covered.

• Soft or temporary bounces (SMTP 4.x.x), full mailboxes, auto-replies, and out-of-office replies.

• Rejections caused by the broker's own sending setup or reputation, such as spam-policy blocks (for example many 5.7.x codes) or missing SPF, DKIM, or DMARC.

• A prospect who is not interested, does not reply, already has a broker, or declines a meeting.

• A wrong or departed contact person, when the Lead Business itself is valid and in range.

• A missing phone number or LinkedIn profile. Our website says these are included "where available."

• A Lead you have already contacted after learning it was bad, or a Lead you received as a free sample or as bonus Leads.

2.6 Cap. Replacements are limited to 20% of the Leads in a package: 2 of 10, 5 of 25, and 20 of 100. If more than 20% of a package qualifies, we will review the package in good faith and may offer additional replacements at our discretion.

3. Exclusivity or It's Free

3.1 What exclusivity means. Each Lead you buy is exclusive to you for 90 days from its Delivery Date (the "Exclusivity Window"), and any Lead Lock months you pay for extend it. During that time we will not sell, license or give that Lead to any other broker or customer. Exclusivity is time-limited and covers our sales only. A Gold, Silver or Bronze Lead has been sold to other brokers before your purchase, and those earlier buyers keep their license to it. Exclusivity does not stop earlier buyers, other brokers, or sources outside GroupDeed from contacting the employer on their own. When your Exclusivity Window ends without Lead Lock, we may sell the Lead to other brokers.

3.2 What we promise. If we sell the same Lead (the same Lead Business) to another broker during your Exclusivity Window, you get both:

• (a) a full refund of everything you paid for that Lead: its price (for a package, the package price divided by the number of Leads in it, for example $9.70 for a Test Drive Lead, $27.88 for Starter, $24.97 for Pro, or the discounted per-Lead price you paid for a graded Lead), plus any Lead Lock fees you paid for it; and

• (b) a replacement Lead of equal or better grade in your territory or in a nearby territory you agree to. The replacement gets its own full 90-day Exclusivity Window.

3.3 Claim window. Submit the Claim before your Exclusivity Window for that Lead ends, including any Lead Lock months you have paid for.

3.4 What you need to show. Give us the Lead ID, and tell us what makes you believe another broker received it. Examples: the prospect says another broker referenced GroupDeed or the same lead details, or you have seen the Lead's file in someone else's hands. You don't have to prove the breach yourself. We check our own sale and assignment records and reply within 5 business days. If our records show we sold the Lead to another broker during your window, the Claim is approved. We will share the result, but not the other buyer's identity.

3.5 Payment. Approved refunds are paid to your original payment method within 5 business days of approval. The replacement Lead is delivered within 5 business days.

3.6 Not covered. Contact from other brokers who did not get the Lead from us during your window, including earlier buyers of a Gold, Silver or Bronze Lead. Sales we make after your Exclusivity Window ended without Lead Lock, or after a sample reservation ended. Duplicate records for the same business inside your own orders. (We replace those under Bad-Lead Replacement instead.)