Lead Purchase Terms & Conditions

Effective: January 2025


Company: Equity Insurance Partners / “EIP” (T&G Equity LLC)

By checking the box at checkout and completing your purchase, you acknowledge that you have read, understood, and agree to the following terms:

1. Lead Purchase Authorization

You authorize T&G Equity LLC (EIP Division) to charge your selected payment method for the purchase of exclusive insurance leads and all applicable marketing, management, and processing fees.

2. Marketing Fees & Payment Processing

Marketing fees vary based on payment method and lead type. The exact marketing fee applicable to your purchase is disclosed on each lead product’s description page and confirmed at checkout.

Standard Lead Types fees:

(EIP Volume Leads, Mortgage Protection Leads, EIP Survey Leads)

ACH / Zelle Payments:

  • Flat $200 marketing fee per order

Credit Card Payments:

  • 15% marketing fee based on ad spend

  • Plus Stripe processing fee (currently 2.9%)

Exceptions

  • EIP Survey Leads: ACH/Zelle only (credit cards not accepted)

  • EIP Private Campaign: separate pricing structure (see below)

Marketing fees support campaign setup, management, optimization, backend systems, and lead delivery infrastructure.

After marketing and processing fees are applied, the remaining balance is used as direct advertising spend to generate your leads.

EIP Private Campaign (Exclusive)

This product uses a separate pricing model:

You may choose one of the following:

Option 1

  • $2,500 one-time setup fee

  • $350 management fee per lead order

  • 3-week minimum commitment

  • $1,500 minimum weekly ad spend

Option 2

  • No setup fee

  • $500 management fee per lead order

  • 2-week minimum commitment

  • $2,000 minimum weekly ad spend

Payment method: ACH or Zelle only (no credit cards accepted).

Lead Pricing (General)

Lead pricing is dynamic and depends on:

  • Advertising platform conditions

  • Market competition

  • Campaign performance

Typical ranges:

  • Volume Leads: $14–$17 CPL

  • Survey Leads: $30–$60 CPL

  • Mortgage Leads: $14–$20 varies

Exact CPL is dynamic and is not guaranteed.

3. Cost-Per-Lead (CPL) Disclaimer

Cost-per-lead is market-driven and not guaranteed.

You acknowledge and agree that:

  • Exact CPL may fluctuate during fulfillment

  • Final lead volume may vary slightly from estimates

  • Temporary pricing changes may occur due to platform conditions

  • EIP is not responsible for short-term CPL variations caused by advertising platforms or market volatility

EIP makes reasonable efforts to maintain competitive pricing but does not guarantee a fixed CPL.

4. No Refund Policy (All Sales Final)

All lead purchases are final and non-refundable, including but not limited to dissatisfaction related to:

  • Lead outcome or quality

  • Contact or response rate

  • Sales performance or results

  • Licensing or carrier approval issues

Because your funds are used for live advertising and services rendered, refunds are not possible once campaigns begin.

5. Lead Delivery

Leads are delivered directly to your Go High Level (GHL) account in real time.

Flow pacing and volume may vary based on:

  • Campaign performance

  • Platform conditions

  • Market competition

Daily volume and exact delivery schedules are not guaranteed.

6. State Coverage

Leads originate from multiple U.S. states unless otherwise explicitly stated in writing.

By purchasing, you acknowledge and accept that:

  • Leads may come from different states,

  • State filtering is not guaranteed

7. Disputes & Chargebacks

You agree not to dispute, reverse, or charge back any transaction with your bank, card issuer, or financial institution.

If a dispute or chargeback occurs:

  • T&G Equity LLC may pursue recovery of all losses, including ad spend, marketing fees, and administrative costs

  • Legal action may be pursued for damages up to $10,000 per dispute, in addition to recovery of the original payment

  • Unpaid balances may be submitted to a collections agency, which may impact your credit rating

  • Your access to EIP services may be permanently revoked

8. Agent Responsibilities

You are solely responsible for:

  • Maintaining proper insurance licensing

  • Complying with TCPA, DNC, and all applicable laws

  • Timely lead follow-up and proper use of lead data

EIP is not responsible for agent performance, missed opportunities, or regulatory compliance.

9. Platform & System Limitations

EIP is not liable for delays or issues caused by:

  • Advertising platform outages or restrictions

  • SMS/phone carrier filtering

  • Carrier systems

  • Third-party software downtime (including GHL)

10. Right to Refuse Service

EIP reserves the right to refuse or terminate service for:

  • Violation of these terms

  • Chargeback or dispute attempts

  • Fraud, abuse, or system misuse

11. Binding Agreement & Jurisdiction

These terms constitute a legally binding agreement and are enforceable under the laws of the United States and the governing jurisdiction selected by T&G Equity LLC.

12. Acceptance

By completing your purchase, you confirm that you:

  • Understand how marketing fees and ad spend are applied

  • Accept nationwide lead distribution

  • Understand CPL is variable

  • Agree that all sales are final

  • Agree not to dispute or charge back payments

If you do not agree, do not proceed with purchase.

Last Update: January 2026