Introduction

At CLO Leads, our commitment to compliance is unwavering. We understand the importance of adhering to industry standards and TCPA regulations to ensure that our insurance agents and brokers receive the highest quality of service. Our compliance policies are designed to uphold the integrity of our processes, safeguarding the interests of our clients and their customers.

Regulatory Adherence

We strictly adhere to all federal and state regulations governing insurance lead generation and distribution. Our team consistently monitors and updates our practices in line with the latest legislative changes, ensuring that every lead provided is compliant with the relevant insurance laws and guidelines.

Data Protection & Privacy

Protecting the privacy and security of the data we handle is paramount. We comply with all applicable data protection laws, including the TCPA (Telephone Consumer Protection Act), General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA), ensuring that all personal information is processed lawfully, transparently, and securely. Our robust data management system is designed to prevent unauthorized access, disclosure, alteration, or destruction of personal data.

TCPA Compliance

CLO Leads is committed to full compliance with the Telephone Consumer Protection Act (TCPA). All leads in our database have been collected through lawful means. Purchasers of our leads are solely responsible for ensuring their own outreach and calling practices comply with all applicable federal and state laws, including the TCPA. CLO Leads makes no guarantee of contact rates and is not liable for any regulatory violations committed by the purchaser.

Lead Generation & Validation Process

Our lead generation process is transparent and ethical. We employ rigorous validation techniques to ensure that the leads we provide are not only compliant but also of high quality. Every lead is screened and verified for accuracy and relevance, ensuring that the information provided is as valid as possible. Please note that all aged leads are sold based on data collected at the time of original submission and some information may have changed since that date.

Ethical Marketing Practices

We are committed to ethical marketing practices. Our promotional activities are conducted honestly and responsibly, adhering to the highest standards of professional conduct. We ensure that all our marketing materials are clear, truthful, and not misleading, providing our clients with a genuine representation of our services.

Refund Policy

All sales are final. CLO Leads does not offer refunds or credits. Our leads — both fresh IUL leads and aged IUL and Mortgage Protection leads — are sold as-is. By purchasing lead packages from CLO Leads, you acknowledge and agree to the following:

• Aged leads are pre-collected data and are sold as-is, with no guarantee of current accuracy.
• No refunds will be issued once a lead package has been delivered.
• No credits will be issued for disconnected numbers, incorrect information, or unresponsive contacts, as these are inherent characteristics of aged lead data.
• CLO Leads is not responsible for sales results, appointment rates, or policy conversion rates.
• Fresh/new leads are delivered as described; any disputes regarding delivery must be reported within 48 hours of purchase.

We strongly encourage you to review our lead package descriptions and read client testimonials before making your purchase. If you have questions about our lead types prior to purchasing, please contact us at claudia@cloleads.com.

Disclaimer & Limitation of Liability

CLO Leads provides lead data for informational and marketing purposes only. We make no guarantees regarding the accuracy, completeness, or fitness for a particular purpose of any data provided. CLO Leads shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use the leads purchased. The purchaser assumes all risk associated with the use of the data.

Exclusivity

Once a lead package is sold, those specific leads will not be resold to another agent through CLO Leads. Leads are exclusive to the purchaser through our platform.

Complaints & Contact

We have a structured mechanism for addressing any complaints or grievances related to our services. Our resolution process is straightforward and transparent, ensuring that any issues are addressed promptly and fairly. For any compliance-related concerns or questions, please contact us at: claudia@cloleads.com

Continuous Improvement

Our commitment to compliance is an ongoing effort. We regularly review and update our policies and procedures to enhance our compliance framework. We welcome feedback from our clients and industry experts to continuously improve our standards. This policy was last updated: May 2026.