Terms of Service

You must be at least 18 years old and using the Platform for legitimate business purposes as a licensed insurance agent, agency, or approved business buyer. You must hold and maintain every license, appointment, and authorization required for each product, state, and consumer interaction you handle. Access to the Platform is not proof that you are properly licensed, and any verification we perform is an internal risk measure, not a legal determination.

You are responsible for keeping your login secure and for all activity under your account. If you operate as an agency, you are responsible for the agents and staff using your account. You agree to provide accurate account, contact, licensing, and payment information, and to notify us promptly of any unauthorized access.

Quantum Calls is a pay-per-call broker. We route and distribute qualified inbound calls to buyers and sell prepaid call credits. We may add, change, pause, or discontinue features at any time. Call availability depends on traffic, publisher supply, consumer behavior, your settings, your states, and other factors outside our control. Quantum Calls is a technology and call-distribution service. We are not an insurance carrier, agency, broker of record, or legal or compliance adviser, and we do not guarantee any insurance transaction.

We do not guarantee: * any minimum number, frequency, or timing of calls; * that a call will be answered or stay connected; * that a caller will be eligible, interested, qualified, or ready to buy; * that caller-supplied information is accurate; or * any sale, commission, revenue, or return on investment. You are solely responsible for working each call and for whether any resulting transaction is lawful and appropriate.

You purchase prepaid credits or deposit funds to use for billable calls and other eligible services. Pricing, fees, minimum purchases, and payment methods may change and will be shown before purchase. Payments are processed through Whop or another third-party processor, and you authorize us and our processor to charge your selected payment method for your purchases, applicable fees, and taxes. Credits are Platform ledger units for buying calls. They are not cash, bank deposits, or stored-value accounts, do not earn interest, and cannot be transferred or withdrawn as money.

Each campaign has its own price, billable duration, states, hours, and qualification rules. Campaign terms shown in the Platform or in a written communication from us are part of these Terms, and the specific campaign terms control for that campaign. You are responsible for reviewing current campaign terms before you activate or receive calls. A call is billable once it connects and meets the billable duration set for that campaign. Calls that go to voicemail are billable. If a call is routed to you and reaches your voicemail because you were unavailable or did not answer, it is a billable call. It is your responsibility to be available and set up to answer calls during your active hours. Missed calls, calls sent to voicemail, and calls lost due to your phone setup, internet, availability, or failure to pause your campaign are your responsibility, not ours.

If you believe a specific call was billed in error, you may dispute that individual call within 7 calendar days of the charge. Your dispute must state the reason and include any supporting detail. We may review call audio, timestamps, routing records, campaign criteria, and other evidence. A dispute may be denied when it is: * submitted after the 7-day deadline; * unsupported or inconsistent with our records; * based on failing to make a sale rather than on billing eligibility; * based on dissatisfaction with call outcome; or * caused by your equipment, internet, settings, availability, or conduct. If we approve a dispute, the only remedy is an internal account credit or ledger adjustment. An approved dispute does not create a right to a cash refund. Our decision not to enforce the deadline once does not waive it in any other case.

Except where required by law, all credit purchases and deposits are final once posted. We do not provide cash, card, ACH, wire, or other monetary refunds simply because: * credits remain unused; * you stop using the Platform; * you change campaigns or business plans; * call volume is lower than you expected; * a caller did not buy or you did not close a sale; * you are dissatisfied with results; or * your account is restricted for a violation. Approved call disputes are resolved as account credit only. Nothing here waives rights that cannot legally be waived, such as those relating to unauthorized transactions.

Before starting a chargeback or external payment dispute, you agree to contact us and give us a reasonable chance to review the issue. To the fullest extent permitted by law, you agree not to file a chargeback for an authorized purchase because of unused credits, call volume, lead quality, sales results, or a denied call dispute. If you file a chargeback, we may suspend routing and Platform access, freeze credits and transfers, terminate your account, recover processor and dispute fees and amounts owed, and submit our records (including Terms acceptance, payment records, call logs, recordings, and account activity) to the processor, bank, or card network. Nothing here prevents a genuine unauthorized-use claim.

You are solely responsible for following all laws, carrier rules, campaign rules, and professional obligations that apply to your calls and sales. You agree to: * maintain every license, appointment, and certification required for the state and product; * follow approved scripts, required disclosures, and call procedures; * comply with insurance, privacy, consumer-protection, advertising, telemarketing (including TCPA and Do-Not-Call), and call-recording laws; * comply with CMS, TPMO, and carrier rules for any Medicare or ACA activity, and with FTC rules for any debt-related activity; * make truthful, non-misleading statements and give all required disclosures; * use consumer information only for the authorized call and purpose; and * honor do-not-call, opt-out, and revocation requests. You may not guarantee coverage, savings, or approval; make false "free" or "government benefit" claims; impersonate any agency, carrier, or Quantum Calls; misuse or resell consumer data; or use the Platform for any unlawful, deceptive, or fraudulent activity. You are responsible for determining whether each call, text, or follow-up you make is legally permitted. The fact that a consumer called in or was routed to you does not by itself authorize every later contact.

Calls routed through the Platform may be recorded, monitored, transcribed, and stored for quality, billing, dispute review, compliance, fraud detection, and support. By using the Platform, you consent to the recording of your participation. Your consent does not replace any consent required from the consumer. You are responsible for giving any required recording disclosure and obtaining every consent the law requires from the other people on the call.

We may suspend, restrict, or terminate your access if we reasonably believe you violated these Terms or campaign rules, your account or licensing information is inaccurate, a payment is reversed, your account is compromised, or your conduct creates legal, compliance, financial, or reputational risk. We may act immediately where delay could cause harm. Suspension or termination does not create a right to a cash refund, and we may handle any remaining credits in line with these Terms, outstanding balances, and any fraud or chargeback review.

To the fullest extent permitted by law, you will defend, indemnify, and hold harmless Quantum Calls and its owners, employees, and service providers from any third-party claims, liabilities, damages, penalties, and reasonable attorneys' fees arising from your use of the Platform, your calls and sales, your violation of these Terms or of any law or carrier or licensing rule, your failure to obtain required consent, or your misuse of consumer information. This does not apply to the extent a claim is finally determined to result solely from our gross negligence or willful misconduct.

The Platform is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Platform will be uninterrupted, secure, or error-free, that calls will connect or stay connected, that recordings will be complete, or that using the Platform will satisfy your legal or regulatory obligations. You assume the risk of using the calls, recordings, and information the Platform provides.

To the fullest extent permitted by law, Quantum Calls will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost commissions, lost sales, or lost data, arising from the Platform or these Terms. Our total liability arising from the Platform or these Terms will not exceed the greater of the amount you paid us in the three months before the event giving rise to the claim, or $100. These limits apply even if a remedy fails of its essential purpose, and do not apply to liability that cannot legally be limited.

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws principles. Before filing any formal action, the parties will try in good faith to resolve any dispute individually for at least 30 days after written notice. Any dispute that cannot be resolved will be handled on an individual basis only, and you and Quantum Calls waive the right to bring or participate in any class or representative action to the fullest extent permitted by law.

We may update these Terms by posting a revised version with a new "Last Updated" date or by notifying you through the Platform or email. Material changes apply going forward from their effective date. Continuing to use the Platform after that date means you accept the updated Terms.

Quantum Calls LLC 30 N Gould St Ste N, Sheridan, WY 82801 Email: info@quantumcalls.io