Terms of Use Agreement

SPRK provides insurance-related live transfer call leads (“Leads”) to licensed agents and agencies participating in the Program. Leads may include Final Expense (“FEX”), Affordable Care Act (“ACA”), Medicare, or other approved insurance-related campaigns offered by SPRK.

Leads are generated, qualified, and transferred to participating Users in real time. Participation in the Program requires acceptance of these Terms of Use and compliance with all operational, licensing, scheduling, carrier, and legal requirements applicable to the selected campaign type.

Participation may require active licensing in multiple states depending on campaign availability, routing requirements, and transfer demand. SPRK reserves the right to suspend or restrict delivery for Users who fail to maintain required licensing, compliance, or availability standards.

Participation in the Program requires use of SPRK’s integrated RingCentral system, currently billed at $47.50 per month per User unless otherwise stated in writing.

The RingCentral system is required for proper call routing, recording, quality control, tracking, compliance monitoring, and dispute resolution. Users must maintain an active subscription for as long as they are participating in the Program.

Failure to maintain an active RingCentral subscription may result in immediate suspension of live transfer delivery without refund or extension.

Users must maintain a consistent and recurring schedule of days and hours during which they are available to receive live transfers (“Scheduled Availability”).

Scheduled Availability is considered a binding operational commitment. Users may not operate on an “on-demand,” “jump on,” or “jump off” basis unless explicitly approved in writing by SPRK.

Changes to Scheduled Availability must be submitted no less than twenty-four (24) hours in advance. Same-day cancellations, late starts, early departures, or unapproved downtime are considered non-performance.

During Scheduled Availability, Users must remain logged in, reachable, prepared to receive calls, and capable of handling live transfers without delay.

SPRK reserves the right to suspend, restrict, or terminate participation for repeated scheduling violations or failure to maintain operational availability.

All sales are final. SPRK does not offer refunds for purchased live transfer packages, subscriptions, setup fees, or campaign participation.

Credits may be issued only for leads that fail to meet the applicable qualification requirements for the selected campaign type. Qualification standards vary depending on whether the transfer relates to FEX, ACA, Medicare, or another approved campaign vertical.

Examples of possible credit scenarios may include invalid geography, duplicate transfers, disconnected transfers, invalid contact information, or campaign-specific disqualifiers.

Credit requests must be submitted within twenty-four (24) hours of the transferred call and must include supporting documentation, including recordings where applicable.

SPRK’s recordings, routing logs, timestamps, and system records are considered authoritative in all disputes.

SPRK performs compliance-related scrubbing and quality control procedures where applicable, including Do Not Call (“DNC”) verification and internal filtering systems.

Users remain fully responsible for all post-transfer communications, follow-up activity, quoting activity, enrollment activity, outbound communication, carrier compliance, CMS compliance, TCPA compliance, DNC compliance, and all applicable state and federal laws.

Users agree to indemnify and hold SPRK harmless from claims, disputes, fines, regulatory actions, lawsuits, carrier actions, or damages arising from User conduct or post-transfer communications.

A limited quality control buffer may exist on certain transfers for monitoring and verification purposes. Any attempt to avoid billing through off-platform callbacks, intentional disconnects, transfer manipulation, or circumvention of SPRK systems constitutes a material violation of these Terms.

SPRK reserves the right to retroactively bill affected transfers, restrict participation, suspend delivery, or terminate participation for suspected abuse patterns or circumvention behavior.

SPRK does not guarantee any specific call volume, pacing, conversion rate, production level, or financial result.

Lead volume may vary based on market demand, geography, campaign type, licensing coverage, call routing conditions, carrier restrictions, advertising performance, operational capacity, or other factors beyond SPRK’s control.

Users are required to remain available during Scheduled Availability regardless of temporary fluctuations in call pacing or transfer volume.

Users are responsible for maintaining all required licenses, carrier appointments, certifications, permissions, equipment, internet access, phone systems, and operational readiness necessary to participate in the Program.

Users are solely responsible for all sales activity, quoting activity, enrollments, disclosures, follow-up communications, compliance obligations, and client servicing after transfer delivery.

SPRK does not guarantee sales, commissions, approvals, policy placements, carrier acceptance, or financial outcomes.

SPRK shall not be liable for indirect, incidental, consequential, punitive, or special damages arising from participation in the Program.

Total liability shall not exceed the amount paid by the User during the applicable billing period related to the disputed service.

SPRK may suspend, restrict, or terminate participation at any time for nonpayment, compliance violations, operational issues, scheduling failures, abusive conduct, billing abuse, unlawful conduct, failure to maintain required systems, or any violation of these Terms.

Upon termination, remaining balances, unused transfers, unused call inventory, or unused participation periods may be forfeited without refund unless otherwise approved in writing by SPRK.

Purchased transfer packages are subject to a thirty (30) day usage window beginning on the purchase date unless otherwise stated in writing.

Users may not pause, hold, bank, carry forward, or extend unused transfer balances beyond the applicable usage period.

Any unused balance remaining after the expiration of the usage window may be forfeited without refund or extension.

These Terms shall be governed by the laws of the State of Nevada. Any disputes arising under these Terms shall be resolved exclusively in Clark County, Nevada.

Participation in the Program, purchase of transfer packages, submission of scheduling information, acceptance of transfers, or continued use of SPRK systems constitutes acceptance of these Terms of Use.