Terms and Conditions

Effective Date: September 7, 2025
Last Updated: September 7, 2025

Acceptance of Terms

By accessing and using btpaffiliate.com ("Website") and our services, you ("Client," "Partner," "User," or "you") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Website or services. These Terms constitute a legally binding agreement between you and BTP Affiliate.

By using our services, you represent that you are at least 18 years old and have the legal authority to enter into this agreement. If you are using our services on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.

About BTP Affiliate

BTP Affiliate ("Company," "we," "our," or "us") is a performance marketing company specializing in compliant lead generation for insurance and financial services. We connect consumers with licensed insurance providers through various digital marketing channels, including native advertising, social media marketing, and direct response campaigns.

Our mission is to provide high-quality, compliant leads while maintaining the highest standards of consumer protection and regulatory compliance. We operate in full compliance with federal and state regulations governing insurance marketing, consumer protection, and data privacy.

Services Description

Lead Generation Services

• Consumer Lead Generation: Acquisition of qualified insurance leads through compliant marketing campaigns across digital channels
• Performance Marketing: Native advertising, social media advertising, search engine marketing, and other digital marketing channels
• Lead Distribution: Real-time delivery of leads to insurance carriers, agents, brokers, and licensed partners
• Campaign Management: Strategy development, campaign optimization, creative testing, and performance reporting
• Compliance Services: TCPA compliance monitoring, consent verification, and regulatory adherence

Insurance Verticals

• Auto Insurance: Personal and commercial auto coverage leads
• Home Insurance: Homeowners, renters, and property insurance leads
• Health Insurance: Individual, family, and Medicare insurance leads
• Life Insurance: Term, whole, and universal life insurance leads
• Commercial Insurance: Business insurance and commercial coverage leads

Compliance Focus

• TCPA Compliance: All campaigns adhere to Telephone Consumer Protection Act requirements
• State Licensing: Compliance with state insurance licensing and marketing regulations
• Data Protection: Implementation of comprehensive privacy and security best practices
• Quality Assurance: Rigorous lead quality standards and verification processes

Client Terms and Obligations

Partnership Requirements

• Licensed Entities: Clients must be properly licensed to receive and contact insurance leads in all relevant jurisdictions
• Compliance Commitment: Clients must maintain compliance with all applicable federal and state laws, including TCPA, state insurance regulations, and consumer protection laws
• Lead Handling: Proper handling, storage, and protection of consumer information according to applicable privacy laws and industry standards
• Insurance Requirements: Clients must maintain appropriate professional liability insurance and bonding as required by applicable regulations
• Marketing Practices: All client marketing and sales practices must comply with applicable laws and maintain industry ethical standards

Payment Terms

• Payment Schedule: Net 30 payment terms unless otherwise agreed in writing
• Pricing Structure: Based on agreed Cost Per Lead (CPL), Cost Per Acquisition (CPA), or other mutually agreed pricing models
• Invoice Disputes: All billing disputes must be reported in writing within 15 days of invoice date
• Late Payments: Overdue accounts are subject to 1.5% monthly service charge and suspension of services
• Credit Approval: New clients may be subject to credit approval and may be required to provide deposits or guarantees

Lead Quality and Disputes

• Quality Standards: All leads must meet mutually agreed-upon qualification criteria and demographic requirements
• Dispute Window: Lead quality disputes must be submitted in writing within 24 hours of lead delivery with specific reasons and documentation
• Resolution Process: Disputes will be investigated promptly and resolved based on available tracking data, recordings, and documentation
• Credit Policy: Valid disputes may result in lead credits, refunds, or adjustments at our sole discretion
• Performance Monitoring: We monitor lead quality and client feedback to continuously improve our services

Consumer Terms

Information Collection and Use

• Voluntary Submission: All information is provided voluntarily when requesting insurance quotes or information
• Consent to Contact: By submitting your information, you expressly consent to contact by us and our licensed insurance partners
• Accuracy Requirement: You agree to provide accurate, complete, and current information to the best of your knowledge
• Information Updates: You agree to notify us of any changes to your contact information or insurance needs

Lead Distribution and Contact

• Multiple Partners: Your information may be shared with multiple licensed insurance providers to give you more quote options
• Contact Authorization: You authorize contact via phone (including mobile), email, text message, and mail
• Contact Timing: You may be contacted during reasonable business hours and in accordance with applicable laws
• Opt-Out Rights: You may opt out of future communications at any time using provided mechanisms

TCPA Compliance and Consumer Protection

Our TCPA Commitment

• Written Consent: We obtain clear, written consent before any telemarketing or text message communications
• Consent Recording: All consent is properly documented using TrustedForm, Jornaya LeadiD, and other verification systems
• Immediate Opt-Out: We honor all opt-out requests immediately and update our systems within 24 hours
• Do Not Call Lists: We maintain and respect both internal and federal Do Not Call registries
• Partner Compliance: All partners and vendors must maintain strict TCPA compliance standards

Consumer Rights

• Right to Opt-Out: You can opt out of communications at any time via phone, email, or text
• Right to File Complaints: You may file complaints with appropriate regulatory agencies
• Right to Information: You can request information about our data practices and your rights
• Right to Legal Recourse: You maintain all legal rights under applicable consumer protection laws

Intellectual Property

Website Content and Materials

• Proprietary Rights: All website content, design, functionality, and materials are owned by BTP Affiliate or licensed to us
• Limited License: Users receive a limited, non-exclusive, non-transferable license to use the Website for its intended purpose
• Usage Restrictions: No copying, reproducing, distributing, or creating derivative works without express written permission
• Trademark Protection: All trademarks, service marks, and logos are protected intellectual property

Prohibited Activities

Prohibited Uses

• Fraudulent Activities: Providing false, misleading, or deceptive information
• System Abuse: Attempting to circumvent security measures, tracking systems, or website functionality
• Spam or Abuse: Using our services for spam, harassment, or other abusive purposes
• Illegal Activities: Any activities that violate federal, state, or local laws
• Competitive Intelligence: Using our services to gather competitive intelligence or reverse engineer our processes

Limitation of Liability

Service Disclaimers

• "As Is" Basis: All services are provided on an "as is" and "as available" basis without warranties of any kind
• No Performance Guarantees: We make no guarantees regarding lead quality, volume, conversion rates, or business outcomes
• External Factors: We are not responsible for factors beyond our reasonable control, including market conditions, regulatory changes, or technical issues
• Third-Party Services: We disclaim liability for third-party services, websites, or platforms integrated with our services

Liability Limits

• Maximum Liability: Our total liability is limited to the amount paid by Client in the 12 months preceding the claim
• Excluded Damages: We exclude liability for indirect, consequential, punitive, or special damages
• Business Interruption: No liability for business interruption, lost profits, or lost business opportunities
• Data Loss: Limited liability for data loss or corruption, with maximum liability as stated above

Indemnification

Client Indemnification

Clients agree to indemnify and hold BTP Affiliate harmless from claims arising from:

• Non-compliance with applicable laws, regulations, or licensing requirements
• Improper handling, use, or disclosure of consumer information
• Violation of these Terms or related agreements
• Negligent or willful misconduct in the handling of leads or customer relationships
• Claims related to insurance products, services, or coverage provided by Client

Termination

Termination Rights

• Either Party: May terminate the relationship with 30 days written notice for any reason
• Immediate Termination: Either party may terminate immediately for material breach, non-payment, or legal violations
• Regulatory Termination: We may terminate immediately if client loses required licenses or regulatory standing
• Compliance Termination: We reserve the right to terminate for compliance violations or practices that create legal risk

Post-Termination

• Outstanding Obligations: All payment and performance obligations survive termination
• Data Handling: Consumer data will be handled according to our Privacy Policy and applicable laws
• Confidentiality: Confidentiality obligations continue indefinitely post-termination
• Final Accounting: Final accounting and payment of all outstanding amounts within 30 days

Dispute Resolution

Informal Resolution

Before initiating formal legal proceedings, parties agree to attempt good faith informal resolution of disputes through direct negotiation and discussion.

Arbitration

• Binding Arbitration: Most disputes will be resolved through binding arbitration rather than court proceedings
• Arbitration Rules: Conducted under the Commercial Arbitration Rules of the American Arbitration Association
• Location: Arbitration will be conducted in a mutually convenient location
• Exceptions: Intellectual property disputes and requests for emergency relief are excluded from arbitration

General Provisions

Governing Law and Jurisdiction

These Terms are governed by the laws of [Your State] without regard to conflict of law principles. Any court proceedings will be conducted in the state and federal courts of [Your State].

Entire Agreement

These Terms, together with our Privacy Policy and any separate written agreements, constitute the entire agreement between the parties regarding the subject matter hereof.

Modifications

These Terms may only be modified by written agreement signed by both parties, except that we may update these Terms to accommodate changes in applicable laws or regulations.

Severability

If any provision of these Terms is deemed unenforceable, the remaining provisions will remain in full force and effect.

Assignment

We may assign or transfer these Terms and our rights hereunder. Clients may not assign these Terms without our prior written consent.

Contact Information