MOB Financial Terms and Conditions

1. Agreement and permitted use

These MOB Financial Terms and Conditions govern your use of mobfinancial.com and lead purchases from GROWTH CAMPAIGNS LLC ("Company," "we," "us," or "our"), the operator of MOB Financial. By using our services or affirmatively accepting these terms at checkout, you agree to this agreement. Our privacy and SMS provisions below form part of these terms.

Our services are intended for adults and licensed insurance professionals. Use the website and services lawfully. Fraud, unauthorized access, scraping, interference with service, and infringement of intellectual property are prohibited. Website content remains the property of the Company or its licensors; access does not transfer ownership or authorize copying or redistribution. Third-party services may have their own terms.

2. Pricing, payment, and electronic authorization

Your selected product, quantity, states, and total in USD appear before you continue to FanBasis / Commas. MOB lead-store purchases are one-time payments; this checkout does not enroll you in a subscription or authorize recurring billing. MOB-specific offers, including 90¢ Veteran leads where displayed, apply to MOB purchases only. Inventory and price are checked again before checkout.

You confirm that your identity and payment information are accurate, that you are authorized to use the payment method, and that you authorize the displayed purchase. Payment details are entered on the payment provider’s secure page. Your typed legal name and affirmative acknowledgments constitute your electronic signature. We retain the disclosure version, authorization, order information, timestamp, browser information, and buyer IP address when available as evidence of your purchase.

3. Refund and replacement policy

Aged leads are sold as-is and are not eligible for refunds or replacements under this policy. Real-time leads have no monetary refunds. At our discretion, real-time leads may qualify for replacements of up to 10% of the number purchased, solely for verifiably disconnected phone numbers. Other conditions do not qualify for replacement.

Lead responsiveness, contact rates, sales, and revenue are not guaranteed. Campaign setup, ad management, optimization, and other separately agreed service fees are non-refundable and non-creditable once charged, except as required by applicable law. Nothing in these terms waives statutory rights or remedies that cannot legally be excluded.

4. Delivery and service completion

Leads are digital goods. Delivery is complete when the purchased leads are made accessible through your MOB dashboard, a shared Google Sheet, or another agreed delivery channel. Paid aged orders are assigned from available inventory and appear in My Leads as fulfillment completes. A delivery sheet is generated during fulfillment, and our team sends the sheet link manually. Real-time products follow the delivery schedule stated in their product description or order arrangement; they are not an immediate aged-inventory download.

Check your dashboard, order history, email, and shared documents, and promptly report access problems. Keep your contact information current. Shared stock availability can change before checkout. Purchasing lead data does not guarantee a sale or give permission to contact any individual.

5. Order issues and payment disputes

Please contact support with your name and order reference before initiating a payment dispute and allow up to 14 calendar days for investigation and a response. Disputes must be raised in good faith and for legitimate cause. Subjective dissatisfaction with contact rates or sales outcomes does not change the stated delivery or replacement policy.

We may provide authorization, delivery logs, timestamps, order records, IP records, and accepted disclosures to a payment provider or financial institution when responding to a dispute. This support process does not waive statutory rights or require you to miss a bank, card-network, or legal deadline.

6. Lead use and outreach responsibilities

Leads are for your own insurance business. You may not resell, share, transfer, or distribute them outside your business within 30 days of purchase without our prior written permission. You may not redistribute a lead while you have an active sales conversation or ongoing business interaction with that person, regardless of the 30-day period. Unauthorized distribution may result in termination of services and legal action.

You must be appropriately licensed for the jurisdictions in which you conduct outreach. You are responsible for applicable calling, texting, voicemail, email, privacy, Do Not Call, and state insurance-marketing requirements. Independently verify the permission required for your intended outreach, honor opt-outs, and maintain required records. Buying a lead is not itself consent to call or text.

7. MOB Financial Privacy Policy

GROWTH CAMPAIGNS LLC collects information you provide for accounts and purchases, including identity, contact and professional details, license number, selected states, service preferences, support messages, transaction references, and electronic authorizations. We also process technical information needed to operate and secure the service, including browser information, IP addresses, and authentication cookies.

We use this information to administer accounts, process payments, fulfill orders, provide support, prevent fraud, maintain records, enforce agreements, and meet legal obligations. MOB orders use the Company’s Leads TFC fulfillment system and shared inventory. Service providers supporting hosting, authentication, payment processing, fulfillment, shared delivery documents, internal order notifications, and support receive information needed for those functions. Full card details are entered with FanBasis / Commas rather than the MOB checkout form.

We may disclose information when required by law or valid legal process, or reasonably necessary to protect customers, our rights, or service security. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Sharing with subcontractors for support services is permitted. Text messaging originator opt-in data and consent are excluded from other sharing categories and will not be shared with third parties.

We retain information as reasonably necessary for operations, accounting, fraud prevention, disputes, and legal requirements. We use safeguards designed to protect information, but no internet transmission or storage is guaranteed secure. Necessary cookies support login and website functionality; disabling them may limit access.

You may request access, correction, or deletion of your personal information, subject to legal and operational retention requirements, by contacting our privacy email below. You may unsubscribe from marketing emails using their unsubscribe link and opt out of an opted-in SMS program by replying STOP. Services are not directed to children under 18.

8. SMS terms and optional consent

A MOB purchase does not enroll you in marketing texts. SMS consent must be requested separately, is optional, and is not a condition of purchase. If you separately and expressly opt in to the Company’s LTFC Customer Care program, messages may include promotional offers, account and order updates, requested support, appointment confirmations and reminders, and customer-care updates.

Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance, or contact support below. After opting out, you may receive one opt-out confirmation. Rejoining requires new affirmative consent through a supported opt-in method or START where supported. Wireless carriers are not liable for delayed or undelivered messages. Information handling is described in the Privacy Policy above.

9. Liability and indemnification

To the fullest extent permitted by law, the Company and its related entities, officers, employees, agents, and licensors are not liable for indirect, incidental, special, punitive, or consequential damages, including lost profits, revenue, opportunities, data, or service interruptions. Total liability for claims relating to this agreement or the services is limited to the amount you paid in the 30 days preceding the event giving rise to the claim, or $1 USD, whichever is greater. These limitations do not exclude liability that cannot lawfully be excluded.

To the extent permitted by law, you agree to indemnify, defend, and hold the Company and its related entities, officers, employees, agents, and licensors harmless from claims, losses, liabilities, and reasonable legal expenses arising from your breach of this agreement, unlawful outreach, misuse of services, or infringement of third-party rights. We may assume the defense and control of an indemnified matter, and you agree to cooperate.

10. General terms

Florida law and applicable federal law govern this agreement, without regard to conflict-of-law rules. Subject to applicable non-waivable rights, disputes relating to the agreement or services are to be resolved in state or federal courts in Miami-Dade County, Florida.

If a provision is unenforceable, the remaining provisions continue in effect. We may update these terms by posting a revised effective date. Revised purchase terms apply to purchases made under those terms; your recorded purchase authorization identifies the disclosure version accepted for your order. Continued use of the website following posted changes constitutes acceptance to the extent permitted by law.

11. Company and contact information

GROWTH CAMPAIGNS LLC · MOB Financial
312 W 2nd St, Unit A2299, Casper, WY 82601, United States

Order and payment support: support@leadstfc.com
Phone: (786) 424-6004
Privacy: juan@leadstfc.com

These existing GROWTH CAMPAIGNS LLC support contacts also serve MOB customers. Include your MOB order reference when contacting us.