Refund & Replacement Policy

Last updated: September 11, 2026

Essential Leads, operated by ESSENTIAL INSURANCE AGENCY LLC, provides prepaid account credit used to purchase consumer leads. This policy explains when a lead may be credited.

1. Prepaid credit

Funds added to your account are platform credit for purchasing leads. Credit is non-refundable to your original payment method and has no cash value. It can only be used to purchase leads on the platform.

2. Lead credit eligibility

You may request credit for a purchased lead only if we verify that you were charged for the same consumer more than once within 30 days (a duplicate).

3. Not eligible

Credit is not available for any other reason, including a lead that is unresponsive, has a wrong or disconnected number, is not interested, is already insured, is a poor market fit, or that you were unable to convert. Leads are sold as-is. Purchasing a lead does not guarantee contactability, accuracy, quality, or a sale.

4. How to request

Submit requests through your account's Support page within 3 days of the lead being assigned to you, with the reason and any supporting detail. Requests after 3 days are not eligible.

5. Limits

Credit requests are capped at 10 per calendar month per account. We may decline requests that exceed this limit or that we determine to be inaccurate or abusive.

6. Review and decision

We review each request and issue account credit only if approved. Approved credit is returned to your platform balance, not your payment method. Our determination is final.

7. Aged leads

Aged leads are sold as-is and are older by nature. Only duplicate charges qualify for credit; age, freshness, prior contact by others, wrong numbers, and disconnected numbers do not.

8. Chargebacks

Initiating a payment dispute or chargeback rather than using this policy may result in immediate suspension of your account pending resolution.

9. Changes

We may update this policy; the version in effect at the time of your purchase applies.