Terms of Service

These Terms of Service (“Terms”) govern your use of the Flow Vantage website located at flowvantagegroup.com and any services provided by Flow Vantage Marketing (“Flow Vantage,” “we,” “us,” “our”). By accessing the site or using our services, you agree to be bound by these Terms. If you do not agree, do not use the site or services.

Flow Vantage Marketing is a division of Flow Vantage Group and is operated by Jeremy Won as a sole proprietorship. These Terms apply to all visitors and to the independent insurance agents who engage our services.

1. What Flow Vantage Is (and Is Not)

Flow Vantage is a done-for-you advertising and marketing agency. We build, launch, and manage paid Facebook and Instagram lead-generation campaigns on behalf of independent, licensed insurance agents for a fee.

Flow Vantage is not an insurance company, insurance agency, or licensed insurance producer, and is not a lead vendor. We do not sell, underwrite, or quote insurance, and we do not sell consumer leads. Nothing on this website or in our services constitutes insurance, financial, or legal advice. We do not guarantee any business, sales, or regulatory outcome.

2. Our Services

This section summarizes the agency relationship. The specific scope, fees, and terms for any engagement are set out in a separate written services agreement between you and Flow Vantage, which controls in the event of any conflict with these Terms.

Scope. Our services may include building and configuring lead-generation campaigns, ad creative, and lead-capture forms, launching and managing those campaigns on advertising platforms, and ongoing optimization and reporting.

Ad spend and ownership. You fund your own advertising spend, and you own the results of your campaigns, including the leads generated, your advertising accounts, pixels, and datasets. Flow Vantage manages these assets on your behalf and does not acquire ownership of your leads or data.

Fees and billing. Our management fee is billed on the cadence stated in your services agreement and is processed via Stripe. You authorize Flow Vantage to charge the payment method on file for fees due. Failure to pay may result in suspension or termination of services.

No guarantee of results. Flow Vantage makes no representation or guarantee regarding lead volume, cost per lead, contact or appointment rates, policy sales, income, or return on investment. Advertising performance depends on many factors outside our control, including advertising-platform policies and approvals, market conditions, and your own licensing, follow-up, and sales activity.

Your responsibilities. You represent and warrant that you are and will remain duly licensed to sell insurance in each state where you operate, and that you will comply with all laws and platform policies that apply to your advertising and outreach, including the Telephone Consumer Protection Act (TCPA), Do Not Call rules, state telemarketing and “mini-TCPA” laws, and advertising-platform terms. You are the advertiser and data controller for your own campaigns. You are responsible for maintaining your own consumer-facing disclosures and for obtaining and honoring any required consumer consent on your lead forms. You agree to provide accurate information and not to use our services for any unlawful purpose.

3. Platform Relationships

Flow Vantage operates campaigns on third-party advertising platforms on your behalf. We are not affiliated with, endorsed by, or sponsored by Meta Platforms, Inc. or any other advertising platform. Your use of those platforms is also subject to their own terms and policies, and platforms may approve, reject, or remove ads in their discretion.

4. Website Use

You agree to use the Flow Vantage website only for lawful purposes. You may not:

• Use the site to transmit any unlawful, harmful, fraudulent, or abusive content.
• Attempt to gain unauthorized access to any part of the site or its systems.
• Use automated scraping, crawling, or data-extraction tools without our written permission.
• Impersonate Flow Vantage, its operator, or any other person or entity.
• Interfere with or disrupt the operation of the site or its infrastructure.

5. Intellectual Property

All content on this website, including text, graphics, logos, and code, is the property of Flow Vantage and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written consent. Ownership of the advertising assets, leads, and data generated through your engagement is addressed in your services agreement.

6. Disclaimer of Warranties

THE FLOW VANTAGE WEBSITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, FLOW VANTAGE DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY CAMPAIGN WILL ACHIEVE ANY PARTICULAR RESULT.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FLOW VANTAGE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, INCLUDING LOSS OF PROFITS, LEADS, OR DATA, EVEN IF FLOW VANTAGE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL FLOW VANTAGE’S TOTAL LIABILITY FOR ALL CLAIMS EXCEED THE TOTAL MANAGEMENT FEES YOU PAID TO FLOW VANTAGE IN THE 90 DAYS PRECEDING THE CLAIM. Some jurisdictions do not allow certain limitations, so the above may not apply to you in full.

8. Indemnification

You agree to indemnify, defend, and hold harmless Flow Vantage and its operator from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the site or services; (b) your advertising campaigns, lead forms, and outreach to consumers; (c) your violation of these Terms; or (d) your violation of any applicable law, regulation, licensing requirement, telemarketing rule, or platform policy.

9. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or the services shall be resolved in the state or federal courts located in California, and you consent to personal jurisdiction in those courts.

10. Changes to These Terms

We may modify these Terms at any time. We will update the “Last updated” date when changes are made. Continued use of the site or services after updated Terms are posted constitutes your acceptance of the updated Terms.

11. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force. Our failure to enforce any provision is not a waiver of our right to do so later. These Terms, together with our Privacy Policy and any signed services agreement, constitute the entire agreement between you and Flow Vantage regarding your use of the site and services.

12. Contact

Questions about these Terms? Email us at: jeremy@flowvantagegroup.com