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Terms of Service

Last updated: March 9, 2026

1. Acceptance of Terms

By accessing or using FEXmagnet ("the Service"), operated at fexmagnet.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service. We reserve the right to modify these terms at any time. Continued use after changes constitutes acceptance of the updated terms.

2. Description of Service

FEXmagnet provides exclusive, real-time final expense insurance leads to licensed insurance agents and agencies ("Subscribers") on a weekly subscription basis. Leads are generated through targeted digital advertising campaigns and delivered via email, SMS, webhooks, or dashboard access based on Subscriber preferences.

3. Eligibility

You must be at least 18 years old and a licensed insurance agent or authorized representative of a licensed insurance agency to use the Service. By registering, you represent and warrant that you meet these requirements and that all information you provide is accurate and complete.

4. Subscriptions & Billing

  • Billing cycle: Subscriptions are billed weekly. Your billing cycle begins on the date you subscribe and renews automatically every 7 days.
  • Pricing: Lead pricing is based on your selected weekly volume. Per-lead pricing decreases at higher volumes as displayed on our pricing page.
  • Plan changes: You may increase or decrease your lead volume at any time from your dashboard. Changes take effect immediately with prorated billing adjustments.
  • Payment: All payments are processed securely through Stripe. You authorize us to charge your payment method on file for recurring subscription fees.
  • Failed payments: If a payment fails, we may retry the charge and/or suspend lead delivery until payment is successfully processed.

5. No Refunds Policy

  • All sales are final. FEXmagnet does not issue refunds, credits, or chargebacks under any circumstances. By subscribing, you acknowledge and agree to this no-refund policy.
  • If a lead is determined to contain invalid or fraudulent contact information, your sole and exclusive remedy is a replacement lead added to your weekly allocation, subject to the Bad Lead Report process described in Section 6.
  • No monetary refunds, partial refunds, or account credits will be issued for bad leads, unused leads, unused portions of a billing period, or any other reason.
  • Filing a chargeback or payment dispute with your bank or credit card company in violation of this policy constitutes a breach of these Terms and may result in immediate account termination and collection action for amounts owed.

6. Cancellation

  • You may cancel your subscription at any time from your subscription settings.
  • Cancellation takes effect at the end of your current billing period. You will continue to receive leads and have access to your dashboard until then.
  • No refunds or credits are provided upon cancellation, regardless of how many leads have been delivered during the current period.
  • After cancellation, your account and lead history remain accessible for 90 days. After that, your data may be permanently deleted.

7. Lead Quality & Bad Lead Reports

We stand behind the quality of our leads. Each lead is:

  • Exclusive: Delivered to one Subscriber only. We never resell or share leads.
  • Real-time: Delivered within seconds of the prospect submitting their information.
  • Verified: Generated from prospects who voluntarily expressed interest in final expense coverage.

If a lead contains invalid or fraudulent contact information (wrong number, fake info, duplicate, or outside your service area), you may submit a Bad Lead Report directly from your dashboard within 48 hours of delivery. Reports must include:

  • A reason for the report (wrong number, fake info, duplicate, outside area, or other).
  • A written description of the issue.
  • A call recording (audio file) as evidence, if applicable.

All reports are reviewed by FEXmagnet. If approved, you will receive one (1) replacement lead added to your weekly allocation. No monetary refunds or account credits will be issued. Replacement leads are your sole remedy for bad leads. Reports are reviewed and approved or denied at FEXmagnet's sole discretion.

Leads are not eligible for replacement due to: non-contact (prospect didn't answer), non-conversion (prospect wasn't interested), or dissatisfaction with lead quality in general. Only leads with verifiably invalid or fraudulent information qualify.

8. Acceptable Use of Lead Data

You agree to:

  • Use leads solely for the purpose of offering final expense or related insurance products.
  • Comply with all applicable federal, state, and local laws, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and state insurance regulations.
  • Contact leads in a professional, respectful manner consistent with industry standards.
  • Not resell, redistribute, or share lead data with any third party.
  • Not use lead data for any purpose other than insurance sales without explicit consent from the prospect.

Violation of these terms may result in immediate account termination without refund.

9. SMS Communications

If you opt in to SMS lead notifications, you consent to receive automated text messages at the phone number you provide. Message frequency varies by plan. Message and data rates may apply. You can opt out at any time by replying STOP or disabling SMS in your dashboard settings. See our Privacy Policy for full SMS terms.

10. Third-Party Integrations

The Service allows you to connect third-party platforms (GoHighLevel, Zapier, custom webhooks) to receive lead data. You are solely responsible for the configuration, security, and compliance of your third-party integrations. FEXmagnet is not responsible for data handling by third-party services after transmission.

11. Intellectual Property

All content, branding, software, and materials on fexmagnet.com are the property of FEXmagnet and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without our prior written consent.

12. Limitation of Liability

To the maximum extent permitted by law, FEXmagnet shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, or business opportunities, arising from your use of the Service. Our total liability for any claim arising from the Service shall not exceed the amount you paid us in the 30 days preceding the claim.

13. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that leads will result in sales or conversions. Lead generation results vary based on factors outside our control, including market conditions, agent follow-up speed, and sales ability.

14. Indemnification

You agree to indemnify and hold harmless FEXmagnet, its officers, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service, violation of these terms, or violation of any applicable law or regulation.

15. Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms, fraudulent activity, or any conduct we deem harmful to the Service or other users. Upon termination for cause, no refund will be provided.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. Any disputes arising from these terms or the Service shall be resolved in the state or federal courts located in California.

17. Contact

For questions about these Terms of Service, contact us at:

FEXmagnet
Email: nickg@fexmagnet.com