Portal Terms of Use

Effective Date: June 19, 2026  ·  Last Revised: June 20, 2026

1. Eligibility and Licensing

By using the Platform, you represent and warrant, on an ongoing basis, that:

• You are a licensed insurance agent or broker, validly authorized to sell insurance in Canada or the United States
• Your license is valid, current, and in good standing with the applicable provincial or state regulator(s)
• You are authorized to sell insurance, and to contact leads, in every province or state in which you do so
• You will comply with all applicable provincial, state, and federal insurance regulations
• You will provide satisfactory proof of licensing to Verity Growth promptly upon request

Verity Growth reserves the right to verify licensing at any time and to suspend or terminate, without refund, any account that cannot promptly substantiate licensing upon request.

2. Platform Services

Verity Growth provides a software platform that allows licensed insurance agents to purchase leads, manage leads, track lead status, communicate with leads, manage pipelines, and access CRM tools.

Verity Growth is a lead generation, marketing, and software platform only, and is not an insurance company, broker, agent, or managing general agency. Nothing in these Terms or on the Platform constitutes insurance advice, and Verity Growth does not review, supervise, or approve any insurance advice or recommendations made by Users.

3. Lead Purchases and Exclusivity

By purchasing leads through the Platform, you agree that:

• All leads are exclusive — each lead is delivered to one agent only and is never resold, shared, or redistributed to any other agent
• Verity Growth retains ownership of all lead data, both before and after delivery
• Purchasing a lead grants you a limited, non-transferable license to contact that lead for your own direct insurance sales activity — it does not grant ownership of the lead or the underlying data
• Your right to use a lead terminates immediately upon a Do Not Contact request, an opt-out under CASL or TCPA, or termination of your account, whichever occurs first

4. Lead Disclaimer

All leads provided by Verity Growth are SMS verified prior to delivery. We do not guarantee:

• Lead quality beyond basic SMS verification
• The accuracy or completeness of lead information
• Contact rate, conversion rate, or sales resulting from any lead
• Return on investment from any lead purchase
• That a lead has not previously requested insurance information elsewhere
• That a lead will answer calls, respond, or is insurable

Agents are solely responsible for independently verifying eligibility, contacting leads appropriately, and complying with all applicable laws and regulations. All leads are provided "as-is," without warranty of any kind, to the maximum extent permitted by law.

5. Compliance With Laws

You are solely responsible for complying with all laws applicable to your contact with leads, including but not limited to:

Canada

• Canada's Anti-Spam Legislation (CASL), which requires consent for commercial electronic messages and a functioning unsubscribe mechanism
• The Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws
• The National Do Not Call List (DNCL) rules
• Applicable provincial insurance regulations

United States

• The Telephone Consumer Protection Act (TCPA), including obtaining prior express written consent before placing autodialed or prerecorded calls or texts to a cellphone, where required by law
• The National Do Not Call Registry and applicable state do-not-call lists
• The CAN-SPAM Act for commercial email
• Applicable state insurance regulations, including any state-specific telemarketing or consumer-protection statutes that impose requirements beyond the TCPA baseline

General

• All other applicable telemarketing, privacy, and email/SMS marketing laws in every jurisdiction where you operate or contact leads

You are further responsible for:

• Properly identifying yourself, your agency, and your licensing status in every communication
• Checking leads against applicable Do Not Call registries before calling, where required by law
• Only contacting leads between 8:00 AM and 9:00 PM in the recipient's local time zone
• Maintaining your own unsubscribe and do-not-contact mechanisms
• Obtaining and recording consent where required by applicable law, in a form sufficient to meet that law's evidentiary standard
• Handling removal requests immediately upon receipt
• Ensuring all communications and marketing practices are lawful in every jurisdiction in which you operate

Verity Growth exercises no control over, and assumes no responsibility for, the manner, timing, content, or frequency of your communications with leads.

6. Do Not Contact and Removal Requests

If a lead requests to unsubscribe, stop calls, emails, or texts, or otherwise asks not to be contacted again, you must:

• Immediately stop contacting the lead
• Mark the lead as Do Not Contact within the Platform
• Maintain your own internal Do Not Contact list
• Comply with CASL unsubscribe requirements (Canada) and TCPA opt-out requirements (United States), as applicable

Failure to comply with this Section is a material breach of these Terms and may result in immediate account suspension or termination without refund, in addition to any indemnification obligations under Section 10.

7. Prohibited Use of Leads

You may not, under any circumstances:

• Transfer, share, sell, sublicense, or otherwise pass any lead, or lead data, to any other agent, agency, affiliate, or third party — each lead is licensed to you exclusively and may not be redistributed in any form
• Upload or otherwise make lead data available in any public or shared database
• Use leads for unrelated marketing, list-building, or spam
• Harass, mislead, or repeatedly contact a lead against their wishes
• Misrepresent yourself as Verity Growth or any of our consumer-facing brands
• Use automated, robocall, or other automated messaging systems not compliant with applicable law
• Continue contacting a lead after a removal or opt-out request
• Violate CASL, TCPA, or any other applicable privacy or telemarketing law
• Permit any other person to access your account or use leads purchased under your account

Any violation of this Section constitutes a material breach of these Terms, may result in immediate termination without refund, and may give rise to indemnification obligations under Section 10.

8. Payments and Refunds

All lead purchases are final. If a non-SMS-verified lead is delivered and the phone number is subsequently confirmed invalid, Verity Growth will replace that lead with a new lead at no additional charge.

The only other circumstance in which a lead will be replaced or refunded is where the lead is located in a province or state in which you are not licensed to sell, making it legally impossible for you to service the lead. This must be raised in writing within seven (7) days of delivery and is at Verity Growth's sole discretion.

No refunds or replacements will be issued for:

• No-answer or unresponsive leads
• Leads who indicate they are not interested
• Leads who are already insured
• Leads who cannot afford insurance
• Leads who do not qualify medically or financially
• Leads who otherwise do not convert

9. Limitation of Liability

To the maximum extent permitted by applicable law, Verity Growth shall not be liable for lead quality or accuracy, lost sales or profits, regulatory penalties, CASL, TCPA, or other telemarketing or privacy violations, agent misuse of leads, or disputes between agents and leads, nor for any indirect, incidental, consequential, special, or punitive damages of any kind.

IN NO EVENT SHALL VERITY GROWTH'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM EXCEED THE TOTAL AMOUNT PAID BY YOU TO VERITY GROWTH IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

10. Indemnification

You agree to defend, indemnify, and hold harmless Verity Growth Inc., its officers, directors, employees, contractors, and agents, from and against any and all claims, fines, penalties, damages, lawsuits, and regulatory actions, and reasonable legal expenses, arising from or related to:

• Your communications with leads
• Any violation by you of CASL, TCPA, telemarketing, or privacy laws
• Any violation by you of provincial or state insurance regulations
• Your marketing practices or sale of insurance products
• Your advice or recommendations provided to any lead
• Your failure to stop contacting a lead following a removal or opt-out request
• Any unauthorized sharing, resale, or transfer of leads in violation of Section 7
• Complaints from leads or any misuse of leads by you

This indemnification obligation survives termination of your account and these Terms.

11. Account Suspension or Termination

We may suspend or terminate any account, with or without notice and without refund, for:

• CASL or TCPA violations
• Harassment or regulatory complaints
• Non-payment or chargebacks
• Transferring or sharing leads with third parties, or sharing account access
• Platform misuse or any other violation of these Terms

Sections 3, 7, 9, 10, 12, and 13 survive any suspension or termination of your account.

12. Platform Ownership

All software, CRM systems, dashboards, data structures, and Platform technology remain the exclusive property of Verity Growth Inc. You may not copy, reverse engineer, decompile, scrape, or replicate the Platform or any portion of it.

13. Governing Law

These Terms are governed by, and construed in accordance with, the laws of the Province of Manitoba and the federal laws of Canada applicable therein, regardless of your country or state of residence or where you access the Platform. You irrevocably submit to the exclusive jurisdiction of the courts of Manitoba, Canada, for the resolution of any dispute arising under these Terms.

14. Severability and Entire Agreement

If any provision of these Terms is held to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

These Terms, together with Verity Growth's Terms of Service governing lead purchases and its Privacy Policy, constitute the entire agreement between you and Verity Growth regarding use of the Platform, and supersede all prior agreements, discussions, or representations, whether written or oral, on this subject.

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