Terms of Service
Last updated August 2026
The service
Lumitide runs SMS outreach campaigns on its own infrastructure and delivers responsive consumer leads (“leads”) to the purchasing client via a web-based delivery portal (or, where agreed, a shared spreadsheet). Campaign sizes, lead floors, pricing, and payment timing are as stated at purchase.
Lead definitions & guarantee
An interested lead is a consumer who replied to our outreach expressing interest in insurance coverage. A beneficiary-verified lead additionally identified who a policy would cover. Where a pack carries a guaranteed minimum and that minimum is not reached, our obligation is to continue outreach at no additional charge until it is, or to refund the pack — our choice of remedy. Guarantees cover lead counts, not sales outcomes.
No outcome promises
Close rates, commissions, and ROI figures shown anywhere on this site are illustrations based on assumptions. Your results depend on your follow-up speed, licensing, product, and sales ability. We guarantee delivered lead counts only.
Client responsibilities
You represent that you hold the licenses required to sell the products you contact leads about, and that your own outreach to delivered leads will comply with applicable law (including TCPA, state insurance regulations, and do-not-call rules). Leads are provided exclusively to you and may not be resold or shared outside your agency.
Payment
Packs are paid at checkout unless otherwise agreed in writing. Where pay-on-delivery is offered, a valid payment method must be on file before campaign launch and is charged when the stated delivery threshold is met. Amounts paid for delivered packs are non-refundable except as provided under the guarantee above. If we cannot launch your campaign (for example, no data availability in your states), we refund in full.
Limitation of liability
Our total liability for any claim arising out of a campaign is limited to the amount you paid for that campaign. We are not liable for indirect or consequential damages, including lost commissions.