Terms & Conditions

Glow Media LLC (“Glow Media”, “we”, “us”, “our”) is a United States limited liability company providing performance-based lead generation and inbound call delivery for the insurance industry, including Affordable Care Act, Medicare and auto insurance lines. All correspondence relating to these terms should be sent to steven@glowmediallc.org.

By accessing this website, submitting the contact form, or entering into a services agreement with us, you confirm that you have read, understood and accepted these terms. If you are agreeing on behalf of a company, you confirm you have authority to bind that company. If you do not agree, please do not use this website or our services.

Our services are offered to businesses only, not to consumers. You must be at least 18 years old and legally able to enter contracts. You must hold every licence, appointment and registration required to market and sell the insurance products for which you receive leads or calls from us.

We create and place advertising, verify and enrich responses, and route qualified inbound calls and leads to your sales operation. The exact verticals, geographies, volumes, pricing and delivery mechanics for your account are set out in the written order, statement of work or email confirmation agreed between us (an “Order”). Where an Order conflicts with these terms, the Order governs for that engagement.

We operate on a performance basis. We do not charge retainers or setup fees unless an Order expressly states otherwise.

New engagements normally begin with a pilot program: a small, agreed volume of calls or leads so you can assess quality before scaling. Pilot volumes are prepaid unless the Order states otherwise, and pilot results are reviewed jointly before any ramp-up.

You agree to:

— staff and operate your own sales process, including answering delivered calls promptly;
— use leads and calls only for the products, states and purposes agreed in the Order;
— comply with all applicable laws, including the Telephone Consumer Protection Act, state telemarketing and Do-Not-Call rules, CMS marketing rules where Medicare products are involved, and all applicable privacy laws;
— keep accurate records and honour consumer opt-out requests;
— not resell, re-broker, syndicate or redistribute leads or calls we deliver without our prior written consent.

We verify and enrich responses before delivery, but a lead or call is an opportunity, not a sale. We do not guarantee any specific conversion rate, close rate, premium volume, revenue or return. Quality disputes must be raised in writing to steven@glowmediallc.org within five business days of delivery, with the call or lead reference and the reason for the dispute, so we can review the recording or record.

Fees are charged per delivered lead or qualified call at the rates in your Order. Unless the Order states otherwise, invoices are issued weekly or monthly and are payable within seven days of the invoice date. Prepaid balances are drawn down as volume is delivered.

Late amounts may accrue interest at 1.5% per month or the maximum permitted by law, whichever is lower, and we may suspend delivery while an account is overdue. All fees are exclusive of taxes, which are your responsibility where applicable.

Engagements run month to month unless the Order states a fixed term. Either party may pause or terminate for convenience with seven days’ written notice by email. Either party may terminate immediately for material breach that is not cured within ten days of written notice. On termination you remain liable for all volume already delivered, and any unused prepaid balance is handled under our Refund Policy.

This website, its content, our advertising creative, tracking systems, scoring methodologies and reporting templates remain the property of Glow Media LLC and are protected by copyright and other intellectual property laws. Any unauthorised use, reproduction or distribution without our written permission is prohibited. You keep ownership of your own trademarks, brand assets and customer data, and grant us a limited licence to use your brand assets solely to run campaigns on your behalf.

Each party will keep the other’s non-public commercial information — pricing, performance data, campaign structures, customer lists — confidential, use it only for the engagement, and protect it with reasonable care. This obligation survives termination for three years.

We buy media on third-party platforms and use third-party verification, telephony and hosting providers. Those platforms set their own policies and can change rules, costs, approval decisions or availability at any time. We are not responsible for platform outages, ad disapprovals or policy changes outside our control.

This website and its content are provided “as is” and “as available” without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement. Nothing on this website is legal, compliance, tax or insurance advice, and case studies describe past engagements rather than promised outcomes.

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue or lost goodwill. Our total aggregate liability arising out of or relating to the engagement is limited to the fees you paid us in the three months immediately before the event giving rise to the claim.

You agree to indemnify and hold Glow Media LLC harmless from claims, damages, penalties and reasonable legal costs arising from your use of delivered leads or calls, your sales practices, your licensing status, or your breach of these terms or applicable law.

These terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-laws rules. The parties will first attempt to resolve any dispute in good faith by email and a call. If that fails within thirty days, the dispute will be resolved by binding arbitration or in the state or federal courts located in Delaware, and each party waives any right to a jury trial or class action.

We may update these terms to reflect changes in our services or the law. The revised version takes effect when published on this page with a new “last updated” date. Material changes affecting an active engagement will be sent to your account email. Continued use of the website or services after publication constitutes acceptance.

If any provision is found unenforceable, the rest remains in force. Our failure to enforce a provision is not a waiver. You may not assign your rights without our written consent. We are independent contractors; nothing here creates a partnership, joint venture, agency or employment relationship.

Questions about these terms can be sent to Glow Media LLC at steven@glowmediallc.org, or through the contact form on this website.