Terms of Use Agreement

1. Program Overview

SPRK provides live transfer call leads (“Leads”) to licensed agents and agencies participating in the Program. Leads are generated, qualified, and transferred to Users in real time. Participation in the Program requires an active Dialpad subscription through SPRK. To maintain sufficient call flow and routing efficiency, all participants are required to have licenses in a minimum of 6 states.

2. Ring Central Subscription Requirement

Participation requires the use of SPRK’s integrated Ring Central system, billed at $47.50 per month per User. This subscription ensures proper call routing, tracking, and compliance monitoring. While no long-term contract is required, Users must maintain an active Ring Central subscription for as long as they are receiving live transfer calls from SPRK. Failure to maintain an active subscription will result in immediate suspension of live transfer privileges.

3. Scheduling Requirements

Users must set a consistent, recurring schedule of days and hours during which they are available to receive calls. The schedule may be customized to fit the User’s availability, but once submitted, it must be followed consistently. “On-demand” or “jump on/jump off” participation is not permitted. Sudden schedule changes must be communicated and approved by SPRK in writing at least 24 hours in advance. Missed or unanswered transfers during a scheduled block may result in temporary suspension or forfeiture of credits.

4. Refund and Credit Policy

All sales are final. SPRK does not offer refunds under any circumstance. SPRK does, however, issue credit for invalid leads that meet one or more of the following criteria:
1. The lead is outside of the requested state(s) or ZIP code(s).
2. The contact is under the age of 18 or over the age of 64.
3. The contact is covered by Medicare, Medicaid, VA, or Tricare.
4. The contact’s income exceeds $58,000 annually (for ACA-specific transfers).

All credit requests must be submitted within 24 hours of the transfer, with call recordings attached for review. SPRK reserves the right to deny credit requests that do not meet these specific conditions or that lack sufficient documentation.

5. Compliance and DNC Protection

All SPRK live transfer calls are triple-scrubbed against federal and state Do-Not-Call (DNC) registries, as well as known litigators’ lists. Despite these safeguards, User acknowledges that compliance risk cannot be fully eliminated and agrees to hold SPRK harmless from any claim, action, fine, or penalty arising from calls delivered through the Program. User agrees to comply with all applicable TCPA, DNC, and telemarketing laws while conducting follow-up calls or communications with transferred leads.