Terms of Service

1. The Service

Pipeline LLC (doing business as FEXGorilla) ("FEXGorilla," "we," "us") operates a call marketing platform that routes inbound, consumer-initiated telephone calls regarding final expense life insurance to licensed insurance professionals ("Agents"). We are a marketing and technology provider. We are not an insurance carrier, agency, or broker, and we do not sell insurance products to consumers.

2. Eligibility

You must hold an active life insurance license in each state you select for call routing, and you are solely responsible for maintaining your licenses and appointments. You must be 18 or older and authorized to enter contracts.

3. Prepaid Account & Billing

• Your account operates on a prepaid balance. Funds are added in advance (subject to posted minimum order amounts) and debited per billable call at the posted per-call rate.
• A call becomes billable when it lasts longer than the billing window (buffer) displayed at purchase and in your portal. The 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 are 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, and calls outside your schedule, are not billed. If a call that failed because of a tech problem on our side or with our phone provider was charged, we credit it back to your balance.
• Account balances are marketing credits for the purchase of call traffic; they are not deposits, are non-interest-bearing, and are not transferable.
• Billed calls may be disputed within the posted dispute window; see our Billing & Dispute Policy.
• Buying calls is also governed by our Call Buyer Agreement, which you accept before you fund your account.

4. Call Delivery

Call volume depends on consumer demand and advertising conditions in your selected states and schedule; we do not guarantee any particular volume, answer rate, or sales outcome. You may pause delivery at any time from your portal.

5. Agent Conduct & Compliance

You are solely responsible for your conduct on calls and your compliance with applicable laws and regulations, including insurance marketing rules, state licensing requirements, TCPA, and carrier guidelines, in connection with any follow-up contact you initiate with consumers after an inbound call.

6. Call Data & Privacy

FEXGorilla retains caller ID, call and routing metadata, publisher consent documentation, structured outcomes you enter, and related operational and billing records. Client notes and health details you enter are stored in your account (see Client information you enter). Privacy requests: support@fexgorilla.com.

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. Billing and 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.

Client information you enter. If you enter client notes, conditions, medications, or other health details (for example, on the client underwriting screen), we store them in your account so you can use them. Our AI service providers may process the notes you submit to the underwriting notes reader. Enter only what you need for underwriting, and you are responsible for having your clients' permission to enter and use it. FEXGorilla does not keep call transcripts. You can delete client records from your account. Deleted records may remain in our database backups for a limited time before they're overwritten.

Consumer information delivered to you may be used only to respond to the consumer's inquiry and as permitted by law. You may not resell or improperly share it, add sensitive health details to call outcome or support fields, or use it for follow-up after the consumer revokes permission or asks not to be contacted.

7. Termination

You may close your account at any time. We may suspend or terminate accounts for breach of these terms, fraudulent or abusive activity, or compliance risk. Remaining prepaid balances on accounts in good standing at closure are handled per the Billing & Dispute Policy.

8. Disclaimers & Liability

The service is provided "as is." To the maximum extent permitted by law, our total liability arising from the service is limited to the amounts you paid us in the three months preceding the claim.

9. Text messaging (SMS terms)

FEXGorilla, a trade name of Pipeline LLC, offers text messages to agents and agencies who opt in. Messages include account notifications (such as low balance and call alerts and signup updates), customer support, and messages from our team about our services. Message frequency varies. Message and data rates may apply. Reply HELP for help, or contact support@fexgorilla.com. Reply STOP to opt out at any time; you may also opt out by any other reasonable means, such as telling us in writing. After you opt out, you'll get one message confirming it and no further texts unless you opt in again. Consent to receive texts is not a condition of any purchase. Carriers are not liable for delayed or undelivered messages. See our Privacy Policy at https://fexgorilla.com/legal/privacy for how we handle your information.

10. Contact

Pipeline LLC (doing business as FEXGorilla). Questions about these terms: support@fexgorilla.com.