Terms of service
These terms protect what you are buying: leads that are yours alone. Use them for your own business, keep them to yourself, and we keep them exclusive. The rest is the standard legal language.
By accessing or using Annuity Whale, you agree to be bound by these Terms of Service.
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.
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.
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.
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.
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. 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. A county claim that fails license verification is released and its fee refunded in full.
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.
Annuity Whale is not liable for any business losses, including loss of profits, revenue, or data, that may result from using our platform.
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.
We reserve the right to modify these terms at any time. Continued use of the platform after changes constitutes acceptance of the updated terms.
This service is operated by The Annuity Whale. Notices to us go to support@annuitywhale.com or by mail to 250 Mead Ln, Holland, OH 43528.
Last updated September 2, 2026.