The fine print, in plain English.

By accessing or using Annuity Whale, you agree to be bound by these Terms of Service.

1. Acceptance of terms

By accessing or using the Annuity Whale platform, you agree to these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Agent registration

When registering as an agent, you agree to provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity conducted through your account.

3. Lead purchases and exclusivity

Each lead is sold exactly once. When you buy a lead, we do not resell or redistribute that lead's contact information to any other buyer, and the exclusive right to work it is yours. In turn, leads purchased through our platform are for your own business use only and may not be resold, shared, or transferred to third parties. We make reasonable efforts to verify lead information but cannot guarantee conversion rates or financial outcomes.

4. Licensing and outreach compliance

You represent that you hold the licenses required to sell insurance or provide financial advice in every state where you buy or work leads. Before a lead is sold we run automated contact verification and screening against the federal Do Not Call registry, but your own outreach is your own responsibility: you agree to comply with all laws that apply to how you contact prospects, including TCPA, state telemarketing rules, and CAN-SPAM, and with any calling, texting, or dialer tools you choose to use.

5. Payments, credits, and billing disputes

All payments are processed securely through our payment provider. Lead purchases are final. If a lead you bought had bad contact information, was a duplicate, or the person denies asking about annuities, our remedy is a credit for the full posted price of that lead, filed within 7 days, per our refund policy. Whether a lead qualifies is decided by Annuity Whale at its sole discretion, and a replacement credit is the only remedy for a lead you have received. Credits hold no cash value, are not transferable, are not redeemable for cash, and do not expire. A funded prepaid balance you have not spent remains refundable on request; credits inside that balance are not part of the refundable amount. We may check the license after payment. If it does not check out, we release the county and refund you in full. A full refund covers the county subscription, not leads already delivered.

If a charge ever looks wrong, contact us before disputing it with your card issuer: our make-it-right process is faster than a chargeback and we resolve legitimate issues without a fight. Accounts that dispute valid charges instead of using that process may be suspended while we sort it out.

6. Limitation of liability

Annuity Whale is not liable for any business losses, including loss of profits, revenue, or data, that may result from using our platform.

7. SMS messaging

If you opt in to SMS alerts, your use of that service is also governed by our SMS terms, which cover message frequency, opt-out (reply STOP), and carrier charges.

8. Modifications to terms

We reserve the right to modify these terms at any time. Continued use of the platform after changes constitutes acceptance of the updated terms.

9. Notices

This service is operated by Annuity Whale. Notices to us go to support@annuitywhale.com.

Last updated September 15, 2026.