BigDials Terms of Service

Effective Date: October 13, 2026

These Terms of Service ("Terms") constitute a legally binding agreement between Gold Standard Insurance LLC, a Florida limited liability company operating under the brand name BigDials ("BigDials," "Company," "we," "us," or "our"), and the individual or business purchasing or using BigDials services ("Customer," "you," or "your").

By creating an account, completing checkout, electronically accepting these Terms, or using the BigDials platform, you agree to be bound by these Terms.

1. Services Provided

BigDials provides subscription-based access to predictive dialing technology and a shared pool of final expense insurance leads.

Services may include:

• Access to predictive dialing software.

• Access to shared final expense leads.

• Dialer account setup and configuration.

• Basic platform onboarding and technical support.

BigDials does not guarantee any specific number of calls, conversations, appointments, applications, sales, or commissions.

Lead availability, contact rates, lead quality, and sales performance may vary. Leads may have been previously contacted, sold, or made available to other agents.

BigDials does not guarantee exclusive access to leads or uninterrupted availability of the platform.

2. Setup Fee and Subscription Billing

One-Time Setup Fee

A $100 setup fee is charged at initial signup. This fee covers account registration, administrative setup, and onboarding preparation.

The setup fee is nonrefundable, except where required by applicable law.

Payment of the setup fee does not activate the weekly subscription or provide immediate access to the dialer.

Weekly Subscription

The BigDials subscription costs $249 per week.

The weekly subscription begins only when the Customer separately authorizes activation and completes the initial $249 subscription payment.

The first $249 payment covers the initial seven days of service.

Subsequent payments of $249 are automatically charged every seven days from the activation billing date.

Initial Two-Week Commitment

Upon activation, the Customer agrees to an initial minimum commitment of two consecutive weekly subscription payments totaling $350.

The first $249 payment is collected at activation. The second $249 payment is scheduled seven days later.

After the initial two-week commitment, the subscription continues automatically at $249 every seven days until canceled in accordance with these Terms.

Recurring Payment Authorization

By separately authorizing activation, the Customer expressly authorizes Gold Standard Insurance LLC, operating as BigDials, and its payment processor to charge the payment method provided for the initial $249 payment and subsequent recurring weekly subscription charges.

No weekly subscription charges begin solely from payment of the $100 setup fee.

Applicable taxes, if any, will be disclosed at checkout.

3. Activation and Account Access

After completing the initial signup, the Customer's account will remain in Pending Activation status until the Customer separately authorizes and pays for the weekly subscription.

BigDials will coordinate account provisioning and provide access credentials following successful activation payment and completion of any necessary setup requirements.

The subscription billing period begins upon the Customer's authorized activation payment, even if the Customer does not immediately begin dialing.

BigDials will make commercially reasonable efforts to provide account access promptly. If a delay attributable to BigDials materially prevents access, BigDials may adjust the billing start date or provide an appropriate service credit or refund.

Customers are responsible for providing accurate account information and completing reasonable onboarding requirements.

4. Cancellation and Refunds

Customers may cancel their subscriptions by contacting BigDials at [email protected] or through any additional cancellation method made available by BigDials.

Cancellation requests may be submitted at any time.

The initial two-week subscription commitment remains applicable once the Customer authorizes activation, subject to applicable law.

After the initial commitment, cancellation prevents future weekly renewals and ordinarily takes effect at the end of the current paid billing period.

Customers retain access through the end of their paid subscription period unless access is suspended or terminated for a violation of these Terms.

Payments are final and nonrefundable, including setup fees and unused subscription time, except where required by law or expressly approved by BigDials.

BigDials does not provide prorated refunds for partial weeks of service.

Nothing in these Terms limits any nonwaivable cancellation or refund rights provided by applicable law.

5. Platform Access and Lead Usage

BigDials grants the Customer a limited, nonexclusive, nontransferable right to use the platform during an active, paid subscription.

Customers agree that they will not:

• Share login credentials with unauthorized users.

• Resell, sublicense, redistribute, or provide third-party access to the platform without written authorization.

• Export, scrape, copy, resell, or redistribute leads obtained through BigDials without written authorization.

• Use the platform for fraudulent, unlawful, deceptive, or abusive activities.

• Attempt to bypass platform safeguards, security controls, or account restrictions.

• Interfere with the operation of the platform or other customers' access.

Leads made available through BigDials remain subject to the Company's licensing and usage restrictions.

Access to leads does not transfer ownership of the underlying lead database or grant unrestricted rights to use the information outside the platform.

Any authorized white-label or reseller arrangement requires a separate written agreement with BigDials.

6. TCPA, Telemarketing, and Regulatory Compliance

BigDials provides dialing technology and access to leads intended for lawful insurance marketing activities.

Customers are independently responsible for ensuring their use of the platform complies with all applicable federal, state, and local laws and regulations, including, where applicable:

• The Telephone Consumer Protection Act (TCPA).

• Federal Trade Commission Telemarketing Sales Rule.

• Federal and state Do Not Call requirements.

• Applicable state telemarketing and consumer protection laws.

• Calling-time restrictions.

• Consent and opt-out requirements.

• Call recording and monitoring consent requirements.

• Insurance licensing and marketing regulations.

Customers must maintain any required licenses and authorizations to market or sell insurance in the jurisdictions where they operate.

Customers must honor applicable consumer opt-out requests and comply with all required internal and external Do Not Call procedures.

The availability of a lead through BigDials does not constitute a representation or guarantee that the Customer has all legally required consent or authorization to contact that individual.

BigDials may implement dialing restrictions, compliance controls, and account safeguards. Such measures do not guarantee that every call or campaign will comply with applicable law.

Customers remain responsible for their own calling practices, representations, disclosures, and legal obligations.

Nothing in these Terms eliminates any independent legal obligations that may apply to BigDials.

7. Payment Failures and Billing Disputes

Customers agree to maintain a valid payment method for their active subscription.

If a scheduled payment fails, BigDials may attempt to process the payment again and may suspend access until the outstanding balance is resolved.

BigDials may terminate accounts with repeated failed payments or unpaid balances.

Customers are encouraged to contact [email protected] to resolve billing questions or disputes.

Nothing in these Terms restricts a Customer's right to dispute charges with their financial institution or exercise other rights under applicable law.

8. Account Suspension and Termination

BigDials reserves the right to suspend or terminate access for legitimate business reasons, including:

• Nonpayment.

• Unauthorized account sharing or resale.

• Fraudulent or unlawful activity.

• Material violations of these Terms.

• Misuse of leads or platform resources.

• Conduct that creates material security, legal, or operational risks.

Where reasonably practicable, BigDials may provide notice and an opportunity to resolve the issue before termination.

Immediate suspension may occur when necessary to address security threats, unlawful conduct, or other material risks.

Any refunds or remaining payment obligations following termination will be determined in accordance with these Terms and applicable law.

9. Service Availability and Technical Limitations

BigDials relies on third-party technology providers, telecommunications infrastructure, and lead suppliers.

Service interruptions, maintenance, technical difficulties, connectivity problems, and temporary platform unavailability may occur.

BigDials will make commercially reasonable efforts to maintain service availability but does not guarantee uninterrupted or error-free operation.

BigDials may modify platform features, lead sources, dialing configurations, and technical infrastructure as reasonably necessary to operate or improve the service.

If a material change substantially reduces the core service purchased by a Customer, BigDials will provide appropriate notice and any remedies required by applicable law.

10. No Guarantee of Results

BigDials provides technology and lead access, not guaranteed business results.

The Customer acknowledges that insurance sales performance depends on numerous factors outside BigDials' control, including agent skill, dialing activity, market conditions, lead responsiveness, licensing, and carrier underwriting decisions.

BigDials makes no guarantee regarding:

• Lead contact or answer rates.

• Appointments or presentations.

• Insurance applications or approvals.

• Sales or commission income.

• Profitability or return on investment.

Any examples of customer performance are illustrative and do not constitute guarantees of future results.

11. Customer Data and Privacy

BigDials may collect and process account information, payment-related information, platform usage information, and other data necessary to provide its services.

The Company's handling of personal information is described in its Privacy Policy, available at bigdials.com/privacy.

Customers must use consumer information obtained through the platform only for authorized, lawful purposes and must maintain reasonable safeguards to protect personal information.

Customers may not retain, disclose, or redistribute consumer information in violation of applicable law or these Terms.

Any applicable data-processing or confidentiality obligations that require additional documentation may be addressed through a separate agreement.

12. Limitation of Liability

To the maximum extent permitted by applicable law, BigDials will not be liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, lost commissions, or lost business opportunities arising from use of the platform.

To the maximum extent permitted by applicable law, BigDials' aggregate contractual liability arising from the services will not exceed the total fees paid by the Customer to

BigDials during the 60 days immediately preceding the event giving rise to the claim.

These limitations do not apply to liability that cannot legally be excluded or limited.

Nothing in these Terms limits liability for fraud, willful misconduct, or other matters for which limitation is prohibited by applicable law.

13. Indemnification

To the extent permitted by applicable law, the Customer agrees to defend, indemnify, and hold harmless Gold Standard Insurance LLC and its officers, employees, and representatives against third-party claims, damages, liabilities, and reasonable legal expenses arising from the Customer's unlawful calling activities, misuse of consumer information, or material breach of these Terms.

This obligation does not apply to the extent a claim results from BigDials' own unlawful conduct, negligence, or breach of its legal obligations.

14. Changes to Terms and Pricing

BigDials may update these Terms or subscription pricing from time to time.

Material changes affecting existing subscriptions will be communicated in advance as required by applicable law.

Any pricing changes will take effect only after any legally required notice and consent procedures have been satisfied.

The version of the Terms accepted by the Customer at signup or activation will be retained as part of the Company's agreement records.

15. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Any dispute arising from these Terms will be subject to the jurisdiction of courts of competent jurisdiction in Florida, unless another jurisdiction or dispute-resolution procedure is required by applicable law.

16. Electronic Acceptance

By checking the agreement checkbox and completing signup, the Customer acknowledges that they have read, understand, and agree to these Terms, including the $100 setup fee and the requirement for separate authorization before recurring subscription billing begins.

By subsequently authorizing activation, the Customer expressly agrees to the $249 weekly subscription, initial two-week commitment totaling $350, automatic recurring billing, and applicable cancellation and refund provisions.

Electronic acceptance constitutes the Customer's legally binding agreement to these Terms to the extent permitted by applicable law.

BigDials may retain electronic records of agreement acceptance, including the Customer's identity, date and time of acceptance, and applicable agreement version.

17. Contact Information

BigDials
Operated by Gold Standard Insurance LLC
Pompano Beach, Florida

Customer Support: [email protected]
Website: https://bigdials.com

For billing questions, cancellation requests, technical support, or questions regarding these Terms, please contact [email protected].