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Terms of Use

RING LIVE TRANSFERS TERMS OF USE, TERMS AND CONDITIONS OF USE

UPDATED: January 6, 2025

These Ring Live Transfers Terms of Use (the “Ring Live Transfers”) govern your (“Agent” or “you”) use of and access to the Ring Live Transfer platform provided by Ring Media Marketing, LLC. (“Ring” or “we”) through https:/ringlivetransferleads.com/ (collectively, the “Services”). Through the Services, we (a) provide you with potential end-consumers (a “Lead”) who have applied to receive insurance or other authorized quotations from insurance agents, insurance companies, lead aggregators and other similar parties (each a “Provider”), (b)  permit you to connect via a call transfer from Ring with consumers (“Calls”, “Live Transfers”). By clicking “Submit” or using our Services, you agree to the Ring Live Transfers and the mandatory arbitration provision and class action waiver in Section 21. If you do not agree to these Ring Live Transfers, do not use our Services. 

We may make changes to these Ring Live Transfers from time to time. If we make changes, we will provide you with notice of such changes such as by providing a notice through our services or updating the date at the top of these Ring Live Transfers. Unless we say otherwise in our notice, the amended Ring Live Transfers will be effective immediately, and Agent’s continued use of the Services (including the Ring Live Transfers) following any such change, modification or amendment to these Ring Live Transfers will constitute Agent’s acceptance thereof. If you do not agree to the amended Ring Live Transfers, you must stop using our Services.

Eligibility

You represent and warrant that you: (a) are at least 18 years old; (b) have not previously been suspended or removed from using our Services; and (c) have full power and authority to enter into these Ring Live Transfers and in doing so will not violate any other agreement to which you are a party.

If you are using the Services on behalf of an entity, (a) you represent and warrant that you are authorized to bind such entity to these Ring Live Transfers, (b) such entity agrees to be responsible for you and any other person that accesses the Services on its behalf, including for all of Agent’s users’ compliance with these Ring Live Transfers, and (c) wherever used in these Ring Live Transfers, “you”, “your”, “Agent”, or similar terms means the person or legal entity accessing or using the Services.

Description of Services

Through the Services, Agent may also be able to connect with Consumers via Calls. A Call shall occur when a Consumer dials in-bound to inquire about an insurance quote (an “Inbound Call“), and Ring transfers the call to Agent at a phone number provided by Agent.

Ring may use affiliates or other third parties (“Verified Partner Network”) to provide the Services and Leads, including generating Calls and providing Lead Data to Agent. Agent agrees that it may or may not be informed as to which Leads are Ring-generated Leads or Verified Partner Network generated Leads. The Lead Data from all sources (including the Lead Data that may accompany Calls) may be adjusted, defaulted or truncated to accommodate data transmission or integration.

Ownership; Limited License

The Services, including the text, graphics, images, photographs, videos, illustrations and other content contained therein or provided thereby (including all Lead Data), are owned by Ring or our licensors and are protected under both United States and foreign laws. Except as explicitly stated in these Ring Live Transfers, all rights in and to the Services are reserved by us or our licensors. Subject to your compliance with these Ring Live Transfers, you are hereby granted a limited, nonexclusive, nontransferable, non-sublicensable, revocable license to access and use our Services and the Lead Data solely for the specific purpose of marketing insurance products to Leads. For clarity, all Lead Data and Leads are confidential and proprietary to Ring, and Agent has no right to share such information with any third party for any purpose. Any use of the Services (including all Lead Data and Leads) other than as specifically authorized herein, without our prior written permission, is strictly prohibited, will terminate the license granted herein and violate our intellectual property rights.

Agent Responsibilities

Agent, and any of Agent’s employees acting on Agent’s behalf, will comply with any and all federal, state, local and industry laws, rules, regulations or requirements, including, without limitation, the Telephone Consumer Protection Act (“TCPA”), the CAN-SPAM Act of 2003, Do Not Call List requirements and any other applicable U.S. federal or state law concerning privacy or data security.

Agent shall cease contacting any Leads upon the earlier of: (a) immediately upon request by such consumer with respect to phone, text, or email and (b) ninety (90) days following the date upon which such Lead was licensed by Agent with respect to telephone calls, SMS or text messages. For the avoidance of doubt, Leads may only be used for providing insurance information, and may not be used for any other purpose, including without limitation, for the purpose of marketing or otherwise offering any other products such as auto warranties or home warranties.

With respect to all Calls, the following additional terms and conditions apply:

Calls may only be answered by Agent, and Agent’s employees acting on Agent’s behalf, and may not be transferred to any other person or entity.

Agent will not call, SMS, text or otherwise contact a consumer whose Call began as an Inbound Call without independently receiving consent from such consumer for contact as required by law because Ring solicits no consent with respect to Inbound Calls.

User Content

Our Services may allow you and other users to create, post, store and share content, including Agent Ads, messages, text, and other materials (collectively, “User Content”). Except for the license you grant below, you retain all rights in and to your User Content, as between you and Ring.

You may not create, post, store or share any User Content that violates these Ring Live Transfers or for which you do not have all the rights necessary to grant us the license described above. You represent and warrant that your User Content, and our use of such content as permitted by these Ring Live Transfers Terms, will not violate any rights of or cause injury to any person or entity. Although we have no obligation to screen, edit or monitor User Content, we may delete or remove User Content at any time and for any reason with or without notice.

Prohibited Conduct and Content

You will not violate any applicable law, contract, intellectual property right or other third-party right or commit a tort, and you are solely responsible for your conduct while using our Services. You will not:

Engage in any harassing, threatening, intimidating, predatory or stalking conduct;

Use or attempt to use another user’s account without authorization from that user and Ring;

Impersonate or post on behalf or any person or entity or otherwise misrepresent your affiliation with a person or entity;

Sell, resell or commercially use our Services;

Copy, reproduce, distribute, publicly perform or publicly display all or portions of our Services, except as expressly permitted by us or our licensors;

Modify our Services, remove any proprietary rights notices or markings, or otherwise make any derivative works based upon our Services;

Use our Services other than for their intended purpose and in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying our Services or that could damage, disable, overburden or impair the functioning of our Services in any manner;

Reverse engineer any aspect of our Services or do anything that might discover source code or bypass or circumvent measures employed to prevent or limit access to any part of our Services;

Use any data mining, robots or similar data gathering or extraction methods designed to scrape or extract data from our Services;

Develop or use any applications that interact with our Services without our prior written consent;

Send, distribute or post spam, unsolicited or bulk commercial electronic communications, chain letters, or pyramid schemes;

Bypass or ignore instructions contained in our robots.txt file; or

Use our Services for any illegal or unauthorized purpose, or engage in, encourage or promote any activity that violates these Ring Live Transfers.

You may also post or otherwise share only User Content that is non-confidential and that you have all necessary rights to disclose. You may not create, post, store or share any User Content that:

Is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, and invasive of privacy or publicity rights, abusive, inflammatory or fraudulent;

Would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party or otherwise create liability or violate any local, state, national or international law;

May infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;

Contains or depicts any statements, remarks or claims that do not reflect your honest views and experiences;

Impersonates, or misrepresents your affiliation with, any person or entity;

Contains any unsolicited promotions, political campaigning, advertising or solicitations;

Contains any private or personal information of a third party without such third party’s consent;

Contains any viruses, corrupted data or other harmful, disruptive or destructive files or content; or

In our sole judgment, is objectionable, restricts or inhibits any other person from using or enjoying our Services, or may expose Ring or others to any harm or liability of any type.

Enforcement of this section is solely at Ring’s discretion, and failure to enforce this section in some instances does not constitute a waiver of our right to enforce it in other instances. In addition, this section does not create any private right of action on the part of any third party or any reasonable expectation that the Services will not contain any content that is prohibited by such rules.

Intellectual Property

Ring and Agent and their licensors own all rights, title and interest in and to their respective websites and other intellectual property rights used in their respective businesses, including, without limitation, any query information or data resulting from end-consumer use of such websites and any intellectual property rights related thereto. Each party’s name(s) and logo(s), product or service names, slogans are trademarks of such party, and may not be copied, imitated or used, in whole or in part, without the other party’s prior written permission. Subject to the limited license granted to Agent herein, Ring owns all rights, title and interest in and to the Services, and all intellectual property rights therein and thereto.

All other trademarks, registered trademarks, product names and company names or logos mentioned on the Services are the property of their respective owners. Reference to any products, services, processes or other information by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation by us.

Communications with Agent

Agent agrees that Ring may, but is not obligated to, monitor or record any of Agent’s telephone conversations and chat texts with Ring for quality control purposes, for purposes of training Ring’s employees and for its own protection and internal business purposes. Agent further agrees that each of Agent’s users or anyone else Agent authorizes to use Agent’s account has consented to such monitoring or recording and Agent shall indemnify, defend and hold harmless Ring for its breach of this sentence. Agent acknowledges that not all telephone lines or calls are recorded by Ring and that Ring does not guarantee that recordings of any particular telephone calls will be retained or are capable of being retrieved.

Feedback and Data Sharing

You may voluntarily submit or otherwise communicate to us any questions, comments, suggestions, ideas, original or creative materials or other information about Ring or our Services (collectively, “Feedback”). You understand that we may use such Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you, including, without limitation, to develop, copy, publish, or improve the Feedback in Ring’s sole discretion. You understand that Ring may treat Feedback as non-confidential.

By using the Services, I acknowledge and understand that Ring may access and receive disposition data, including quote and bind feedback, for Leads and Calls through integrations with third party lead management software (LMS) providers and other third-parties, and I consent to these third-parties sharing such information with Ring.

Indemnification

To the fullest extent permitted by applicable law, Agent will defend, indemnify and hold harmless Ring and our subsidiaries and affiliates, and each of its respective officers, directors, agents, partners and employees (individually and collectively, the “Ring Parties”) from and against any losses, damages, liabilities, claims, demands, costs or expenses (including, without limitation, reasonable attorneys’ fees, court costs and expert witness fees, if applicable) (collectively, “Claims”) arising out of or related to (a) your access to or use of the Services; (b) your User Content or Feedback; (c) your violation of these Ring Live Transfers s; (d) your violation, misappropriation or infringement of any rights of another (including intellectual property rights or privacy rights); (e) your conduct in connection with the Services, including, without limitation, any use of the Lead Data in violation of any applicable laws, rules, or regulations (including the TCPA and CAN-SPAM Act) or (f) your participation in the Unmatched Consumer Program (see below) and any breach of your representations, warranties or obligations regarding that program or any violation by you of applicable law in your performance under that program.

You agree to promptly notify Ring Parties of any Claims, cooperate with the Ring Parties in defending such Claims and pay all fees, costs and expenses associated with defending such Claims (including, but not limited to, attorneys’ fees). You also agree that the Ring Parties will have control of the defense or settlement, at Ring’s sole option, of any Claims.

This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and Ring or the other Ring Parties.

Disclaimer of Warranties

YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. EXCEPT AS OTHERWISE PROVIDED IN A WRITING BY US, OUR SERVICES AND ANY CONTENT THEREIN (WHICH EXPRESSLY EXCLUDES USER CONTENT) ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, (1) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; (2) ANY WARRANTIES THAT OUR SERVICES AND ANY CONTENT THEREIN ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, (3) THAT RING OR ITS LICENSORS’ SECURITY METHODS WILL BE SUFFICIENT TO PROTECT ANY CONFIDENTIAL INFORMATION OR INFORMATION RELATING TO WEBSITE TRAFFIC, SERVICES, LEAD DATA, LEADS OR PAYMENTS, OR (4) REGARDING THE AVAILABILITY, ACCURACY, OR RELIABILITY OF INFORMATION, WEBSITE TRAFFIC, LEAD DATA OR LEADS OBTAINED THROUGH THE SERVICES OR THE SUCCESS OR NUMBER OF LEADS RESULTING THEREFROM. THE SERVICES ARE PROVIDED WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH AGENT.

Limitation of Liability

EXCEPT FOR ITS GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RING AND OTHER RING PARTIES WILL NOT BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY (WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, WARRANTY OR OTHERWISE) FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR REVENUE, COVER, FAILURE OF THE INTERNET, OR LOSS FROM ANY BUSINESS DISRUPTIONS), ARISING OUT OF THESE RING LIVE TRANSFERS TERMS OR ANY PERFORMANCE HEREUNDER, INCLUDING, WITHOUT LIMITATION, THE USE OR INABILITY TO USE THE SERVICES, THE VIOLATION OF ANY APPLICABLE LAW OR REGULATION, OR FOR ANY BREACH OF WARRANTY, EVEN IF RINGE OR THE OTHER RING PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE TOTAL LIABILITY OF RING AND OTHER RING PARTIES FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE RING LIVE TRANSFERS TERMS AND THE SERVICES (WHETHER IN CONTRACT, TORT, WARRANTY OR OTHERWISE) SHALL NOT EXCEED THE AMOUNT PAID TO RING BY AGENT DURING THE THREE (3) MONTH PERIOD PRIOR TO AND INCLUDING THE FIRST DATE ON WHICH ANY SUCH CLAIM AROSE.

RING AND THE SERVICES PERMIT AGENT TO OBTAIN LEADS AND MARKET PROVIDERS’ INSURANCE PRODUCTS TO SUCH LEADS. HOWEVER, IN NO EVENT WILL RING BE LIABLE TO AGENT OR ANY OTHER PERSON OR ENTITY FOR AGENT’S USE OF THE LEAD DATA, AGENT’S CALLS WITH LEADS OR OTHER END CONSUMERS, ANY AGENT ADS OR ANY OF AGENT’S ACTIONS OR OMISSIONS WITH RESPECT TO THE SERVICES, ANY LEADS OR LEAD DATA. AGENT IS ENTIRELY RESPONSIBLE FOR ITS ACTIONS AND OMISSIONS WITH RESPECT TO ANY LEADS SOURCED BY RINGAND HOW IT USES THE SERVICES AND RING FOREVER AND IRREVOCABLY DISCLAIMS ANY AND ALL LIABILITY ARISING THEREFROM.

Release

To the fullest extent permitted by applicable law, you release Ring and the other Ring Parties from responsibility, liability, claims, demands and/or damages (actual and consequential) of every kind and nature, known and unknown (including, but not limited to, claims of negligence), arising out of or related to disputes between users and the acts or omissions of third parties.

Transfer and Processing Data

In order for us to provide our Services, you agree that we may process, transfer and store information about you in the United States and other countries, where you may not have the same rights and protections as you do under local law.

You also agree that we may obtain

Dispute Resolution By Binding Arbitration

With the exception only of disputes related to the enforcement or validity of Ring’s intellectual property rights, all disputes, controversies or claims arising out of or relating to these Ring Live Transfers Terms, will be resolved through confidential binding arbitration held in Roanoke, Virginia in accordance with the Commercial Arbitration Rules and Mediation Procedures (“Rules”) of the American Arbitration Association (“AAA”), which are available on the AAA website and hereby incorporated by reference. You acknowledge and agrees that you have read and understand the rules of AAA or waived its opportunity to read the rules of AAA and any claim that the rules of AAA are unfair or should not apply for any reason. You and Ring agree that any dispute arising out of or related to these Ring Live Transfers Terms is solely between you and Ring and that any dispute will be resolved solely through two-party arbitration and will not be brought as a class arbitration, class action or any other type of representative proceeding. You and Ring agree that these Ring Live Transfers Terms affect interstate commerce and that the enforceability of this Section will be substantively and procedurally governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq. (the “FAA”), to the maximum extent permitted by applicable law. As limited by the FAA, these Ring Live Transfers Terms and the AAA Rules, the arbitrator will have exclusive authority to make all procedural and substantive decisions regarding any dispute and to grant any remedy that would otherwise be available in court; provided, however, that the arbitrator does not have the authority to conduct a class arbitration or a representative action, which is prohibited by these Ring Live Transfers Terms. The arbitrator may only conduct a single arbitration and may not consolidate more than one claimant’s claims, preside over any type of class or representative proceeding or preside over any proceeding involving more than one claimant. Judgment upon any arbitration award may be entered and enforced in any court of competent jurisdiction. Otherwise, you and Ring agree that the state or federal courts in Roanoke, Virginia have exclusive jurisdiction over any appeals and the enforcement of an arbitration award.

Any claim arising out of or related to these Ring Live Transfers Terms or our Services must be filed within one year after such claim arose; otherwise, the claim is permanently barred, which means that you and Ring will not have the right to assert the claim.

If any portion of this Section 21is found to be invalid or unlawful for any reason, (a) the unenforceable or unlawful provision shall be severed from these Ring Live Transfers Terms; (b) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of this Section 21 or the parties’ ability to compel arbitration of any remaining claims on an individual basis pursuant to this Section 21; and (c) to the extent that any claims must therefore proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration, and the parties agree that litigation of those claims shall be stayed pending the outcome of any individual claims in arbitration. Further, if any part of this Section 21 is found to prohibit an individual claim seeking public injunctive relief, that provision will have no effect to the extent such relief is allowed to be sought out of arbitration, and the remainder of this Section 21 will be enforceable.

Governing Law and Venue

Any dispute arising from these Ring Live Transfers Terms and your use of the Services will be governed by and construed and enforced in accordance with the laws of the Commonwealth of Virginia, except to the extent preempted by U.S. federal law, without regard to conflict of law rules or principles (whether of the Commonwealth of Virginia or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. Any dispute between the parties that is not subject to arbitration will be resolved in the state or federal courts of Virginia and the United States, respectively, sitting in Roanoke, Virginia].

No Agency

The relationship between Agent and Ring is that of independent contractors, and no agency, joint venture, partnership, employee-employer or franchiser-franchisee relations is intended or created by these Ring Live Transfers Terms or your use of the Services.

Modifying and Terminating our Services

We reserve the right to modify our Services or to suspend or stop providing all or portions of our Services at any time. You also have the right to stop using our Services at any time. We are not responsible for any loss or harm related to your inability to access or use our Services.

Severability

If any provision or part of a provision of these Ring Live Transfers Terms is unlawful, void or unenforceable, that provision or part of the provision is deemed severable from these Ring Live Transfers Terms and does not affect the validity and enforceability of any remaining provisions. Unenforceable provisions will be modified to reflect the parties’ intention and only to the extent necessary to make them enforceable, and remaining provisions of these Ring Live Transfers Terms will remain in full effect.

Miscellaneous

The failure of Ring to exercise or enforce any right or provision of these Ring Live Transfers Terms will not operate as a waiver of such right or provision. The section titles in these Ring Live Transfers Terms are for convenience only and have no legal or contractual effect. Except as otherwise provided herein, these Ring Live Transfers Terms are intended solely for the benefit of the parties and are not intended to confer third-party beneficiary rights upon any other person or entity. These Ring Live Transfers Terms, constitute the entire and exclusive agreement between the parties with respect to the subject matter hereof, and supersedes and replaces any other agreements, terms and conditions applicable to the subject matter hereof. No statements or promises have been relied upon in entering into these Ring Live Transfers Terms except as expressly set forth herein, and any conflicting or additional terms contained in any other documents or oral discussions are void.

Except as explicitly stated otherwise, any notices sent from you to us shall be submitted via e-mail at support@ringlivetransferleads.com with a copy of such notice sent by certified postal mail, return receipt requested, to: Legal Department, ringlivetransferleads.com, c/o Ring Media Marketing, LLC, Attn. Zach Agee, 10 S. Jefferson Street #1800, Roanoke, Virginia 24011. When Ring needs to send a notice to Agent, it shall be sent to the e-mail address last provided to Ring. Notice shall be deemed given upon receipt or 24 hours after e-mail is sent. Ring reserves the right to change, modify, add or remove any portion of these Ring Live Transfers Terms, in whole or in part, at any time.

Agent may not assign any of its rights hereunder and any such attempt is of no effect.

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE.

By accessing ringringlivetransferleads.com, using any of our services and/or accessing and using any other websites on which these Terms and Conditions reside (collectively also referred to herein as the “Site”), or any of the Site’s Content (as defined below), you acknowledge that you agree to and are subject to the following Terms and Conditions, including without limitation, binding arbitration (described in Section 2 below), the Ring Privacy Policy, E-Sign Consent, and any operating rules, policies, and procedures that may be published from time to time on this Site (collectively, the “Terms”). NOTE THAT THESE TERMS CONTAIN PROVISIONS THAT GOVERN THE RESOLUTION OF DISPUTES BETWEEN US AND YOU AND THAT LIMIT OUR LIABILITY TO YOU.

If you do not agree to these Terms, you may not access or otherwise use the Site or the Content. The Terms constitute a legally binding agreement between you and us, ringringlivetransferleads.com, the operator of the Site (hereafter referred to as “we”, “us” or “our”). References in these Terms to “Site operator,” “we”, “us” and “our” include our affiliates (including, without limitation, Ring Media Marketing, LLC), agents, successors and assigns. The Site is available only to, and may only be used by, individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, the Site is intended for and made available only to residents of the United States, age 18 or older. By accessing and using the Site, you accept and agree to, without qualification, the Terms and represent and warrant that you have the authority to bind the User (as defined below) to these Terms and that your use of the Site, including the provision or use of any Content, does not violate any applicable law.

  1. Our Services

The Site acts as a portal to facilitate insurance agents, insurance companies, lead aggregators and other similar parties (each a “Provider”) to offer for sale and to sell, insurance and other products to potential consumers who have applied through the Site to receive insurance or other authorized quotations from a Provider (each, a “Prospect”), and all Prospects and potential Prospects that use the Site are collectively called the Site’s “Users” (and hereafter may be referred to as “you” or “your”). We may, with a Prospect’s authorization, collect certain information (a “Lead”) about a Prospect and sell the Lead to a Provider. We are not responsible for the legality, safety or quality of the products offered for sale by a Provider, the accuracy or veracity of the representations regarding the products, the ability of Providers to sell the products or the ability of Prospects to pay for the products. For all purposes we are an independent contractor. With the exception of certain life insurance transactions, we do not issue insurance contracts or bind coverage. We are not responsible for, nor do we assume any financial or other liability whatsoever, for the conduct of any Prospect or Provider. With the exception of certain life insurance transactions, we do not endorse or recommend any Providers or insurance policies or other related products offered by such Providers. With the exception of certain life insurance transactions, we do not provide any type of insurance, tax, financial, legal or any other advice. We do not guarantee that any Providers to whom we send a Prospect’s application will contact the Prospect or agree to provide the Prospect with the requested insurance coverage. If you would like personal advice or insurance specific policy recommendations, please consult with a qualified professional. Be advised that we do not offer or sell any insurance or other products shown on the Site.

  1. Dispute Resolution By Binding Arbitration

PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS. You agree to attempt in good faith to settle any dispute or claim that has or may arise between us, which arises out of or relates in any way to these Terms or your use of the Site or the Content, including, without limitation, any dispute or claim between you and a Provider (each, a “Claim”), by way of consultations between you and us, which consultations will be initiated upon written notice by any party to the other (the “Consultation Notice”). The Consultation Notice must describe the nature and basis of the Claim and set forth the specific relief sought (“Demand”). If such Claim cannot be resolved within thirty (30) days after the Consultation Notice is received, any party to the consultations may initiate an arbitration proceeding upon written notice to the other party in accordance with this Section 2. Any notice to us under this Section 2 should be addressed to: compliance@ringringlivetransferleads.com (“Notice Address”). You agree to arbitrate all Claims between you and us, or any Provider, that cannot be amicably resolved in accordance with the foregoing paragraph. This agreement to arbitrate is intended to be broadly interpreted. It includes, but is not limited to: (a) claims arising out of or relating to any aspect of your relationship with us, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory; and (b) claims that could be alleged as class action Claims (and you agree to waive the right to participate in a class action in accordance with this Section 2). For the avoidance of doubt, references in this Section 2 to “Site operator,” “Provider,” “we”, “Prospect”, “you,” and “us” include our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors and assigns, as well as all authorized or unauthorized users or beneficiaries of the services, information or Site Content available through the use the Site. This arbitration agreement does not preclude you from bringing an individual action in small claims court if your claims qualify, and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. Further, this arbitration agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, including, for example, the Federal Communications Commission or the Federal Trade Commission. You agree that, by entering into this arbitration agreement, you and we are each waiving our respective rights to a trial by jury or to participate in a class or representative action, and that arbitration of disputes pursuant to this Section 2 shall be in your individual capacity. THIS MEANS YOU ARE LIMITING YOUR RIGHT TO APPEAL AND ARE WAIVING YOUR RIGHTS TO OTHER AVAILABLE RESOLUTION PROCESSES, SUCH AS A COURT ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE, COMBINE, OR JOIN THE CLAIMS OF OTHER PARTIES WHO MAY BE SIMILARLY SITUATED OR OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. You acknowledge and agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. This arbitration provision shall survive termination of this Agreement.

The arbitration will be governed by the American Arbitration Association (“AAA”) under its then-prevailing rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (collectively, the “AAA Rules”), as modified by this Agreement (but expressly excluding the Supplementary Rules for Class Arbitration and any other AAA Rules that conflict with the waiver of class arbitration and representative proceedings below), and will be administered by one (1) arbitrator with relevant industry experience appointed in accordance with the AAA Rules. The AAA Rules are available at https://www.adr.org/Rules or by calling (800) 778-7879. The arbitrator is bound by the terms of this Agreement and shall apply Delaware law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law. All issues are for the arbitrator to decide, including, without limitation, issues relating to the applicability and enforceability of this arbitration agreement.

Unless otherwise mutually agreed by the parties to the arbitration, any arbitration hearings under this Section 2 will take place in the county where you are domiciled. If your Claim is for $5,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your Claim exceeds $5,000, the right to a hearing will be determined by the AAA Rules. Except as otherwise provided for in this Section 2, in any arbitration between you and us under this Section 2, all AAA filing, administration and arbitrator fees for any arbitration initiated in accordance with the notice requirements above where Claims for damages do not exceed $10,000 shall, at your written request, be paid by us. Any request for payment of fees by us shall be submitted by mail to the AAA along with your demand for arbitration, and we will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. If, however, the arbitrator finds that either the substance of your Claim or the relief sought in the Demand is frivolous or brought for an improper purpose, you agree to reimburse us for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules.

The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. The arbitrator shall not be bound by rulings in prior arbitrations involving our other Users, but is bound by rulings in prior arbitrations involving the same User to the extent required by applicable law.

With the exception of the provision in the preceding paragraph prohibiting class arbitration or representative proceedings, if an arbitrator or court decides that any part of this Section 2 is invalid or unenforceable, the other parts of this Section 2 shall still apply to the maximum extent possible. In the event that the foregoing prohibition on class arbitration or representative proceedings is deemed invalid or unenforceable, then the entirety of this Section 2 shall be null and void. The remainder of the Terms, including, without limitation, Section 16 (Choice of Law and Forum), will remain in force.

You may opt-out of this arbitration provision only by written notice to us at the Notice Address (support@ringlivetransferleads.com) within thirty (30) days of your acceptance of this agreement, which notice shall include your name, address, and a clear statement that you do not wish to resolve disputes with us through arbitration.

If we make any change to this arbitration provision (other than a change to the Notice Address) during the term of your relationship with us, that change shall not apply to any Claim against us initiated prior to the effective date of the change. The change shall apply to all other Claims that have arisen or may arise between you and us. We will notify you of changes to this arbitration provision by posting the amended terms on the Site or by email, in each case at least thirty (30) days before the effective date of the changes.

Notwithstanding anything to the contrary in these Terms, Providers shall be third party beneficiaries of the rights to dispute resolution and arbitration set forth in this Section 2, and each Provider shall have the right to enforce this Section 2 against Users as if such Provider were a party to the agreement set forth in this Section 2 in the event of any dispute or claim between you and such Provider based on or relating to any transaction or interaction between you and such Provider that is enabled by or arises in connection with your use of the Site.

DO NOT USE THIS SITE IF YOU DO NOT AGREE TO THE FOREGOING BINDING ARBITRATION PROVISIONS.

  1. Personal Use

We do not charge Users to access the Site. We grant each User a limited, revocable, non-exclusive license to access the Site and the text, images, maps, files, photos, information and other materials on the Site (the “Content”) in order to view, access or make inquiries to us regarding our services, in accordance with these Terms. Any other use of the Site is expressly prohibited. This limited license does not include any right of display, copying, aggregation, collection, or derivative use of the Site nor any right of use of spiders, data mining, robots or similar data extraction and gathering tools without our prior express written permission. Any rights not expressly granted herein are reserved by us.

  1. Downloading of Information from the Site and Proprietary Rights

All Content and the Site itself is protected by copyright and database rights as a compilation and/or collective work, pursuant to U.S. copyright laws, other copyright laws, trademark laws, and international conventions. The Content is only for each User’s personal use in accordance with Section 3 (Personal Use). All Users agree to abide by these Terms and any and all additional information, restrictions or copyright notices contained in or relating to any Content on the Site. Copying or storing any Content other than for noncommercial, personal use is expressly prohibited without prior written permission from us or the applicable copyright holder. You acknowledge and agree that Ring and its respective affiliates, own the data gathered by the Application. By displaying, publishing, or otherwise posting Content on our through the Site, you hereby grant to Ring a non-exclusive, sub-licensable, irrevocable, worldwide, fully-paid, royalty free license to use, modify, publicly display, reproduce, publish, and distribute such User Content in any and all media now known or hereafter developed without the requirement to make payment to you or any third party or to seek your or any third party’s permission.

  1. Unauthorized Use

Unless otherwise provided herein, or unless otherwise allowed under applicable law, you may not do any of the following without our prior written consent:

Upload, post, display, copy, republish, reproduce, transmit, or distribute any Content in any form whatsoever; Reproduce any portion of the Site on your website or, using any device, including but not limited to use of a border or frame environment around the Site, or other framing technique to enclose any portion or aspect of the Site, or replicate or mirror any portion of the Site;

Reverse engineer disassemble, copy, or duplicate any part of the Site;

Modify, translate into any written or computer language, or create derivative works or translations from any Content or part of the Site;

Offer for sale, sell, license, or transfer, in any form, any portion of the Site any third parties;

Use any spider, robot or other automated device or automated or manual process to copy, monitor, or keep a database copy of the Content or any portion of the Site;

Use the Site other than to make legitimate inquiries to us regarding our services or to learn about our services;

Use the Site to create any fraudulent or false inquiry or account;

Transmit or post any abusive, threatening, unlawful, defamatory, libelous, false, misleading indications of origin or statements of fact, vulgar, obscene, indecent, sexually explicit, pornographic, profane or inflammatory material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law or for any other purpose that is unlawful or prohibited by these Terms;

Access or use the Site in any way that, in our sole discretion, adversely affects the function or performance of the Site or any other networks or computer systems used by us or the Site, or infringes on our or any third party’s trademark, copyright, patent rights, rights of privacy or publicity or any other proprietary rights;

Transmit or upload to the Site, or use in connection with the Site, any software, device or routine that contains viruses, worms, time bombs, Trojan horses or other computer programming routines that may interfere with or attempt to interfere with, damage or in any way intercept the normal operation of the Site, or appropriate the Site or any system, or take any action that imposes an unreasonable load on our computing platform;

Circumvent any encrypted data or gain access to more materials or data than was licensed or use the Site in any manner which violates these Terms or any applicable laws; or

Attempt to gain unauthorized access to the Application or any computer system used to provide the Application, circumvent any access restriction or security measures with respect to the Application, or disclose your access information or otherwise give access to the Application to any third party.

Unauthorized access to and/or use of the Site, or the telecommunications or computer facilities used to deliver the Site, is a breach of these Terms and is a violation of law. Further, unauthorized access to and/or use of the Application may result in your license to use the Application being terminated immediately, and you may be denied future participation in any telematics offering distributed by Ring. Your internet service provider and/or mobile carrier may also remove you from their services in response to violations of these Terms applicable to the Application. If you are or become aware of or experience any Content, activity or communication through or in connection with the Site that appears to be in violation of the above, or in violation of any other provision of these Terms, we ask that you please inform us of any such violation by sending notification to support@ringlivetransferleads.com.

  1. Site Changes

We may change, discontinue or suspend any aspect of the Site at any time, including the availability of any Site features, Content or database. We may also impose limits on certain services or features or restrict your access to all or part of the Site without notice to you or liability to us.

  1. Our Privacy Policy

When you use the Site, you consent to the collection and use of your personally identifiable information in accordance with the Ring Privacy Policy, which is incorporated into these Terms. Our Privacy Policy explains our information collection practices and safeguards, how we use and share your information, and how to opt-out of receiving communications from us.

  1. Identity Verification

We encourage all Users to use appropriate caution when interacting with anyone whom you may be doing business with specifically via the Site or generally via the Internet.

  1. LIMITATION OF LIABILITY

IN NO EVENT WILL WE OR ANY OF OUR OFFICERS, DIRECTORS, SHAREHOLDERS OR EMPLOYEES, OR THOSE OF ANY APPLICATION MARKETPLACE PROVIDER, BE LIABLE FOR ANY LOST PROFITS, COVER, LOSS OF REVENUE OR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM YOUR USE OF THE SITE, YOUR INABILITY TO USE THE SITE, OR ANY TRANSACTION BETWEEN US OR BETWEEN YOU AND PROVIDERS THAT IS ENABLED BY OR ARISES IN CONNECTION WITH YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (i) BREACH OF CONTRACT, (ii) BREACH OF WARRANTY, (iii) STRICT LIABILITY, (iv) TORT, (v) NEGLIGENCE, (vi) STATUTE, OR (vii) ANY OTHER CAUSE OF ACTION, TO THE MAXIMUM EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IN ALL EVENTS, OUR LIABILITY, TO YOU OR TO ANY THIRD PARTY IN ANY CIRCUMSTANCE ARISING OUT OF OR IN CONNECTION WITH THE SITE IS LIMITED TO THE GREATER OF (a) THE AMOUNT OF FEES ACTUALLY RECEIVED BY US FROM YOU DURING THE CALENDAR MONTH DURING WHICH SUCH ALLEGED CLAIM(S) ACCRUED, AND (b) $200.00. Any cause of action you may have hereunder or with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action first arises. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL, CONSEQUENTIAL, OR OTHER DAMAGES; AS A RESULT, THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU AND THE FOREGOING PARAGRAPH SHALL NOT APPLY TO A RESIDENT OF NEW JERSEY TO THE EXTENT DAMAGES TO SUCH NEW JERSEY RESIDENT ARE THE RESULT OF RING’S NEGLIGENT, FRAUDULENT OR RECKLESS ACT(S) OR INTENTIONAL MISCONDUCT.

  1. DISCLAIMER

THE SITE, INCLUDING ALL CONTENT, SERVICES, FUNCTIONS, SOFTWARE, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS, AND RING DOES NOT OFFER MAINTENANCE OR SUPPORT SERVICES FOR ANY PORTION OF THE SITE, INCLUDING THE APPLICATION. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE SERVICES, INFORMATION, FUNCTIONS AND MATERIALS AVAILABLE THROUGH THE SITE, FOR ANY SERVICES OR PRODUCTS OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED SITE. FURTHER, WE EXPRESSLY DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY SERVICES, CONTENT OR MATERIALS CONTAINED THEREIN WILL MEET YOUR NEEDS, BE COMPLETE OR ACCURATE, BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT USER’S OWN DISCRETION AND RISK, AND USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO USER’S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH MATERIAL OR DATA. NO INFORMATION OBTAINED BY USER THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

  1. Release

In the event that you have a dispute with any Provider, Prospect, or other third party, including without limitation any other user of the Site, arising from or in connection with the use of the Site , you hereby agree to release, remise and forever discharge us and our agents, directors, officers, employees, shareholders and all other related persons or entities from any and all manner of rights, complaints, demands, claims, causes of action, proceedings, obligations, liabilities, legal fees, costs, and disbursements of any nature whatsoever, whether known or unknown, which now or hereafter arise from, relate to, or are connected with such dispute or your use of the Site. If you are a California resident, you hereby waive California civil code section 1542, which says: “a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor.” If you are a resident of a state other than California, you explicitly waive the terms and protections of any statute of your own state that has a similar import or intent.

  1. Indemnity

You hereby agree to indemnify, defend and hold us and our agents, directors, officers, employees, shareholders and all other related persons or entities (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs (including reasonable attorneys’ fees and court costs) incurred by the Indemnified Parties in connection with any claim arising out of your use of the Site or the Content thereon (including, without limitation, as a result of any transaction or interaction between you and a Provider or any of Provider’s affiliates, partners or agents that is enabled by or arises in connection with your use of the Site), any information or data you access or provide through the Site, and any act (or failure to act) by you or other users of your account or any breach by you of these Terms, including, without limitation, the representations, warranties and covenants made by you herein.

  1. Proprietary Rights Notification

We do not permit copyright or trademark infringing activities and other infringement of intellectual property rights on the Site, and we will remove or modify (or ask you to remove or modify) Content if we are properly notified that such Content infringes on another’s intellectual property rights. If you are a copyright or trademark owner or an agent thereof and believe that any Content in any public area of the Site infringes upon or otherwise conflicts with your proprietary rights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our copyright agent with the following information in writing (see 17 U.S.C. § 512(c)(3) for further detail):

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

Identification of the proprietary work claimed to have been infringed, or, if multiple proprietary works are covered by a single notification, a representative list of such works;

Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit us to locate the material;

Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and an electronic mail address;

A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the owner, its agent, or the law; and

A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please contact support@ringlivetransferleads.com to send notifications of claimed infringement. For clarity, only DMCA notices should go to the Copyright Agent; any other feedback, comments, requests for technical support, and other communications should be directed to our customer service through the Contact Us area of the Site. You hereby acknowledge and agree that if you fail to comply with all of the requirements listed above, your DMCA notice may not be valid.

  1. Trademarks

Our logo and our other product and service names are our trademarks (the “Marks”). You agree not to display, reproduce or otherwise use in any manner such Marks without our prior written permission.

  1. Choice of Law and Forum

Ring Media Marketing is a Virginia Limited Liability Company and this agreement is governed by the laws of the State of Virginia, United States of America, excluding its choice of law rules. Subject to Section 2 (Dispute Resolution By Binding Arbitration), you irrevocably agree that such jurisdiction and venue will be the sole and exclusive jurisdiction and venue in Virginia of any legal dispute. You covenant not to sue us in any other forum for any cause of action. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of any such right or provision. Subject to Section 2, if for any reason a court of competent jurisdiction finds any provision of these Terms, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect.

  1. No Agency

The relationship between the Company and each User and Provider is that of independent contractors, and no agency, joint venture, partnership, employee-employer or franchiser-franchisee relations is intended or created by these Terms or your use of the Site.

  1. Notices

Except as explicitly stated otherwise, any notices sent from you to us shall be submitted via e-mail at support@ringlivetransferleads.com with a copy of such notice sent by certified postal mail, return receipt requested, to: Legal Department, Ring Media Marketing, LLC, Attn. Zach Agee, 10 S. Jefferson Street #1800 Roanoke, Virginia 24011. When we need to send a notice to you, it shall be sent to the e-mail address you last provided to us. Notice shall be deemed given upon receipt or 24 hours after e-mail is sent, unless the sending party is notified that the e-mail address is invalid. Alternatively, we may give you notice by certified mail, postage prepaid and return receipt requested, to the address last provided to us by you. In such cases, notice shall be deemed given three days after the date of mailing.

  1. Amendments

We reserve the right to change, modify, add or remove any portion of these Terms, in whole or in part, at any time. Notification of changes to these Terms will be posted on the Site and will be effective immediately thereafter. Your use of the Site following the posting of any such change, modification or amendment to these Terms will constitute your acceptance thereof. These Terms may not otherwise be modified, except in a writing signed by both parties. No delay or failure on the part of either party in exercising any right or remedy hereunder shall operate as a waiver thereof or of any other right or remedy. No waiver whatsoever shall be valid unless in writing, signed by the party to be charged, and then only to the extent therein set forth. These Terms (including, without limitation, the E-Sign Consent, binding arbitration) and the Privacy Policy constitute the entire agreement between us and Users with respect to the matters contemplated hereby.

  1. Links to Third-Party Sites

This Site may contain links to other Internet sites. We are not responsible for the availability of such external sites or resources, and do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. We shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on such external sites or resources. We provide these links and references to you only as a convenience, and inclusion of any link or reference does not imply endorsement of the Web site or other resource.

  1. Partial Invalidity

The invalidity or unenforceability of any one or more sections of these Terms shall not affect the validity or enforceability of its remaining provisions.

  1. Acknowledgement

You acknowledge that You have read and understand these Terms, and that these Terms have the same force and effect as a signed agreement. These Terms shall confer no rights upon any other party other than the parties hereto.

  1. E-Sign Consent

In this E-Sign Consent, the following definitions apply: (i) “You” and “your” refer to you, the User; (ii) “We,” “us,” and “our” refer to the Site operator and its affiliates (including, without limitation, Ring Media Marketing, LLC), agents, successors and assigns. By clicking the “I agree” button, which you adopt as your electronic signature, you consent and agree that:

We can provide you disclosures required by law, and other information about your legal rights and duties, electronically.

Your electronic signature on agreements and documents has the same effect as if you signed them in ink.

We can send all communications and disclosures, including, but not limited to, this E-Sign Consent, the telephone and e-mail contact consent, and the Privacy Policy and Terms of Use (collectively defined as “Disclosures”) to you electronically: (1) via e-mail; (2) by access to a web site that we designate in an e-mail notice we send to you at the time the information is available; or (3) to the extent permissible by law, by access to a web site that we generally designate in advance for such purpose.

If you would like a paper copy, you can print a copy of the Disclosures or download the information for your records.

This consent applies to: (1) your use of products and services offered by us; (2) all future Disclosures associated with us; and (3) all future transactions with us, at any time, and to other Disclosures that we provide to you by email, unless you have, prior to such transaction, withdrawn your consent by the procedure mentioned below.

You understand that, to access and retain the electronic Disclosures, you will need the following:

A computer with an Internet connection.

A current web browser that includes 128-bit encryption. Minimum recommended browser standards are Microsoft Internet Explorer version 8.0 and above (see www.microsoft.com/ie for current version), Mozilla Firefox current version (see www.mozilla.com for current version), Apple Safari current version (see www.apple.com/safari for current version), or Opera current version (see www.opera.com for current version). The browser must have cookies enabled.

A valid email address.

Sufficient storage space to save past Disclosures and/or an installed printer to print them.

If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add @ringlivetransferleads.com to your email address book.

You understand that you may request paper copies of the Disclosures, and that we will provide them to you by mail at no charge. You can request paper copies and/or withdraw consent by contacting us at: Ring Media Marketing, LLC, Attn. Zach Agee, 10 S. Jefferson Street #1800 Roanoke, Virginia 24011. Any withdrawal of your consent to receive electronic Disclosures will be effective only after we have a reasonable period of time to process your withdrawal. You understand and agree that if you withdraw your consent to receive electronic Disclosures, we may—though we are not obligated to—cancel your account.

At any time, you can update the email address to which we will send alerts that Disclosures are available. You can change your email address by contacting us at: support@ringlivetransferleads.com.

By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you. When we send you an email or other electronic notification alerting you that Disclosures are available electronically and we do in fact make them available online, that shall have the same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures electronically. You understand and agree that Disclosures are considered received by you within 24 hours of the time posted to our website, or within 24 hours of the time emailed to you unless we receive notice that the e-mail address is invalid.

You understand and agree that we reserve the right to cancel this electronic Disclosure service, change the terms of use of this service or send Disclosures in paper form at any time.

You understand and agree that we are responsible for sending notice of the Disclosures to you electronically including at the email address you have provided, but are not responsible for any delay or failure in your receipt of the email notices.

  1. Messaging Terms & Conditions

General

When you opt-in to the service, we will send you a message to confirm your signup. By opting into messages, you agree to receive recurring automated marketing and informational text messages from Ring Live Transfers. Automated messages may be sent using an automatic telephone dialing system to the mobile telephone number you provided when signing up or any other number that you designate. Message frequency varies, and additional mobile messages may be sent periodically based on your interaction with Ring Live Transfers. Ring Live Transfers reserves the right to alter the frequency of messages sent at any time to increase or decrease the total number of sent messages. Ring Live Transfers also reserves the right to change the short code or phone number or alphanumeric sender where messages are sent Your usual message and data rates may apply. If you have any questions about your text plan or data plan, it is best to contact your mobile provider. Your mobile provider is not liable for delayed or undelivered messages. Your consent to receive marketing messages is not a condition of purchase.

Carriers

Carriers are not liable for delayed or undelivered messages.

Cancellation

Messages will provide instructions to unsubscribe either by texting STOP or through an included link. After you unsubscribe, we will send you a message to confirm that you have been unsubscribed and no more messages will be sent. If you would like to receive messages from Ring Live Transfers again, just sign up as you did the first time and Ring Live Transfers will start sending messages to you again.

Info

For support regarding our services, email us at support@ringlivetransferleads.com or, if supported, text “HELP” to 1-800-604-0203 at any time and we will respond with instructions on how to unsubscribe. If we include a link in messages we send you from Ring Live Transfers, you may also access instructions on how to unsubscribe and our company information by following that link.

Transfer of Number

You agree that before changing your mobile number or transferring your mobile number to another individual, you will either reply “STOP” from the original number or notify us of your old number at support@ringlivetransferleads.com. The duty to inform us based on the above events is a condition of using this service to receive messages.

Privacy

If you have any questions about your data or our privacy practices, please visit our https://www.ringlivetransferleads.com/terms-of-use/.

Messaging Terms Changes

We reserve the right to change or terminate our messaging program at any time. We also reserve the right to update these Messaging Terms at any time. Such changes will be effective immediately upon posting. If you do not agree to a change to these Messaging Terms, you should cancel your enrolment with our messaging program. Your continued enrollment following such changes shall constitute your acceptance of such changes.

Contact Ring Live Transfers Leads

If you have any questions regarding any of these Terms, please contact us at support@ringlivetransferleads.com or by calling 1-800-604-0203.