Call Buyer Agreement

1. Who this agreement is between

This Call Buyer Agreement is between Pipeline LLC, doing business as FEXGorilla ("FEXGorilla," "we," "us"), and you, the licensed insurance agent or agency that buys inbound calls through FEXGorilla ("you"). It adds to our Terms of Service, Privacy Policy, and Billing & Dispute Policy. If this agreement conflicts with the Terms of Service about buying calls, this agreement controls.

2. Your role as a call buyer

You buy inbound calls from consumers who asked about final expense insurance. FEXGorilla routes each call to one agent. You decide how to serve each caller, and you're responsible for what you say and sell on the call and after it.

3. Prepaid balance and per-call billing

Calls are billed at the per-call rates shown in your portal and are debited from your prepaid balance. A call is billable once it passes the billing window shown in your portal for that call type. The billing window starts when the call is answered, by you or your voicemail. A call that goes to your voicemail and passes the window is billable, so pause yourself in your portal when you're unavailable. Missed calls and abandoned calls (the caller hangs up before the call is answered) are never billed. Calls that fail because of a tech problem on our side or with our phone provider aren't billed.

Balances are prepaid credits for buying calls. They aren't deposits, don't earn interest, and can't be transferred.

4. Disputes

You can dispute a billed call from your portal within the dispute window in our Billing & Dispute Policy. Disputes are decided using our call-tracking records: arrival time, ring and answer status, connected duration, and disconnect data. You may submit your own lawfully made recording to support a dispute. A caller who didn't buy isn't a valid dispute reason.

5. Promotional credits

Any promotional or bonus credit has no cash value, can't be refunded or transferred, and may expire as stated when it's given.

6. Licensing

You must hold an active resident or non-resident license, and any required appointments, in every state you choose to take calls from. You agree that we may check your licenses with NIPR or state records at any time. You must update your states in the portal right away if a license lapses, and you must not take calls from states where you aren't licensed.

7. Do-not-call requests and revoked consent

If a consumer asks not to be contacted, or revokes consent, by any reasonable means, you must honor it within 10 business days and before any further marketing contact. You must keep your own internal do-not-call list, mark the request in your portal, and follow the TCPA, the Telemarketing Sales Rule, state laws, and carrier rules for any follow-up you make.

8. Call recording

FEXGorilla does not record or transcribe calls routed through our platform. If you record calls, you are responsible for giving any notice and getting any consent the law requires. Some states require every party to consent. Publishers may record calls under their own policies.

9. AI and underwriting tools

FEXGorilla's underwriting guide and live copilot aren't available yet. If we offer them later, they will be reference tools only. They won't be insurance, legal, or underwriting advice, a quote, or a promise that a carrier will approve a case. You remain responsible for your recommendations to each client.

10. Indemnity

You agree to defend, indemnify, and hold harmless Pipeline LLC and its owners, employees, and agents from claims, fines, losses, and costs (including reasonable attorneys' fees) that come from your calls with consumers, your sales and follow-up practices, your recording of calls, your licensing, or your breach of this agreement or the law.

11. Limit of liability

To the fullest extent the law allows, FEXGorilla isn't liable for indirect, incidental, special, consequential, or lost-profit damages, and our total liability arising from calls you buy is limited to the amounts you paid us for calls in the three months before the claim.

12. Changes to prices and terms

We may change per-call rates, billing windows, or this agreement. We'll give you at least 7 days' notice by email or in your portal before a change takes effect. Changes apply only to calls delivered after the effective date. If we change this agreement, you'll be asked to accept the new version before your next funding. You can pause delivery or close your account at any time.

13. Termination

You can stop buying calls or close your account at any time. We may suspend or end call delivery for a breach of this agreement, fraud or abuse, a licensing problem, or compliance risk. Remaining balances on accounts in good standing are handled under the Billing & Dispute Policy. Sections 4, 7, 8, 10, 11, and 14 survive termination.

14. Governing law and venue

This agreement is governed by Arizona law, without regard to conflict-of-law rules. Any dispute about it will be brought only in the state or federal courts located in Maricopa County, Arizona, and you and we agree to those courts' jurisdiction.

15. Contact

Questions about this agreement: support@fexgorilla.com.