Terms of Service

These Terms of Service govern your use of the Flow Vantage website and services. By accessing the site or submitting a form, you agree to these terms.

The service

Flow Vantage is a lead generation and marketing service. We run advertising campaigns to generate final expense insurance inquiries and deliver them to independent agents. We are not an insurance company or agency, and we do not sell insurance or provide quotes.

Agent terms

Lead pricing, the minimum first batch, billing cadence, and what counts as a qualified lead are described on the site and in your written agreement. Each lead is delivered exclusively to one agent. [Add your full agent terms — payment, refunds/credits for disqualified leads, cancellation, etc.]

Billing & payments

Payments are processed via Stripe. The first batch is prepaid; ongoing leads are invoiced weekly. [Add payment authorization, late payment, and dispute terms.]

No insurance or legal advice

Nothing on this site is insurance, financial, or legal advice. Coverage decisions are handled by licensed agents and carriers.

Disclaimers & limitation of liability

The service is provided “as is” without warranties of any kind. [Add your warranty disclaimers and a limitation-of-liability clause reviewed by counsel.]

Governing law

This agreement is governed by the laws of the State of California. [Confirm venue.]

Changes

We may update these terms; continued use means you accept the updated terms.

Contact

Questions? Reach us through the Contact page.