Terms of Service

Welcome to Yesterday's Leads. The terms "we," "us," and "our" refer to Yesterday's Leads. These Terms of Service ("Terms") govern your access to and use of Yesterday's Leads products and services (the "Services"), including our website, aged insurance lead data, marketing products, and related offerings. By purchasing or using our Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

1. Eligibility & Accounts

You must be at least the age of majority in your jurisdiction to use the Services and must be legally authorized to sell, solicit, or market insurance products where applicable. You represent that all information you provide is accurate and complete. You are solely responsible for all activity conducted under your account.

2. Our Products (Aged Insurance Leads)

Yesterday's Leads provides aged insurance marketing leads, which may include consumer information related to life insurance, health insurance, Medicare, final expense, property & casualty, and other insurance products.

You acknowledge and agree that:

• Leads are not exclusive and may have been previously sold, contacted, or marketed to by other agents or agencies.
• Leads may vary in age, responsiveness, accuracy, and intent.
• We make no guarantees regarding contact rates, conversion rates, appointment setting, policy placement, commissions, or revenue.
• Leads are provided "as is" and reflect consumer information available at the time of original collection.
• Yesterday's Leads does not act as an insurance agency, broker, or producer and does not sell insurance products.

3. Lead Freshness & Resale Disclosure

You expressly acknowledge and accept that:

• Leads sold by Yesterday's Leads may be days, weeks, months, or older at the time of delivery.
• Leads may have been resold multiple times prior to your purchase.
• Consumers may no longer be actively shopping for insurance or may have already purchased coverage.
• Contact information may be outdated, incorrect, disconnected, or reassigned.
• These characteristics are inherent to aged leads and are not grounds for refunds, credits, or disputes, except as required by law.

4. Orders & Payments

By placing an order, you agree to pay all applicable fees associated with your purchase. All sales are final. No refunds, credits, or chargebacks will be issued based on lead performance, contact rates, age, resale status, or consumer response, except where required by law.

5. Compliance With Laws & Insurance Regulations

You expressly acknowledge and agree that you are solely responsible for compliance with all applicable laws, regulations, and industry standards, including but not limited to:

• Telephone Consumer Protection Act (TCPA)
• Telemarketing Sales Rule (TSR)
• CAN-SPAM Act
• State insurance laws and regulations
• State "mini-TCPA" statutes
• Do-Not-Call registries
• Carrier, platform, and dialing system rules

Consent & Outreach: You are solely responsible for determining whether a lead may be legally contacted and for maintaining all required consents before calling, texting, emailing, or otherwise contacting any consumer.

No Compliance Warranty: Yesterday's Leads makes no representation or warranty that any lead is compliant, contactable, or suitable for your intended marketing method or insurance product.

6. Prohibited Uses

You may not use the Services to:

• (a) violate any federal, state, or local law or insurance regulation;
• (b) make misleading or deceptive insurance representations;
• (c) engage in harassment, coercion, or high-pressure sales tactics;
• (d) initiate robocalls, prerecorded messages, or mass texting without proper consent;
• (e) misrepresent your identity, licensing status, or carrier affiliation.

Violation may result in immediate termination without refund.

7. Disclaimer of Warranties

The Services are provided "as is" and "as available." Yesterday's Leads disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that leads will be reachable, responsive, or interested in insurance products.

8. Limitation of Liability

To the fullest extent permitted by law:

• Yesterday's Leads' total liability for any claim shall not exceed the amount paid by you to Yesterday's Leads in the three (3) months preceding the event giving rise to the claim.
• We are not liable for indirect, incidental, statutory, punitive, or consequential damages, including TCPA penalties, regulatory fines, lost commissions, lost profits, or attorney fees.

9. Indemnification

You agree to indemnify, defend, and hold harmless Yesterday's Leads and its owners, officers, employees, contractors, and affiliates from any claims, damages, fines, penalties, investigations, or legal fees arising from:

• Your use of the Services
• Your insurance marketing or sales activities
• Any alleged violation of TCPA, insurance laws, or consumer protection statutes
• Any consumer, carrier, or regulatory complaint related to your outreach

10. Arbitration & Class Action Waiver

All disputes shall be resolved by binding arbitration administered by the American Arbitration Association (AAA). You waive the right to a jury trial and agree that claims may only be brought individually, not as part of a class or representative action.

11. Governing Law & Venue

These Terms are governed by the laws of the State of Missouri. Any arbitration or court proceeding shall occur exclusively in Greene County, Missouri.

12. Termination

We may suspend or terminate access to the Services at any time for violations of these Terms or applicable law. You remain responsible for all charges incurred prior to termination.

13. Entire Agreement

These Terms, together with our Privacy Policy and any purchase agreements, constitute the entire agreement between you and Yesterday's Leads.

14. Contact Information

Yesterday's Leads
3253 E. Chestnut Expressway, Suite 321
Springfield, MO
Email: support@yesterdaysleads.com
Phone: 833-402-4368