AllCalls.io — Terms & Conditions

Last updated: 08/20/2025

1309 Coffeen Ave STE 16631, Sheridan, WY 82801, USA

Customer Service

By accessing or using this site, creating an account, depositing funds, or receiving calls via the platform (the “Services”), you agree to these Terms & Conditions (the “Terms”). If you do not agree, do not use the Services.

1) Acceptance of Agreement; Changes

Your use of the Services is governed by these Terms and our Privacy Policy. We may update these Terms by posting a revised version with a new “Last updated” date. Material changes will be communicated by in-app notice or email. Continued use after changes become effective constitutes acceptance.

2) Definitions

“Call” means a phone connection delivered via the platform to a licensed agent or agency user.

“Qualifying Timer” means the minimum connected duration a Call must meet to be considered billable for a given vertical.

“Billable Call” means a Call that reaches or exceeds the Qualifying Timer as displayed in-app at the time of Call acceptance.

“Wallet” or “Account Funds” means your prepaid balance stored on the platform for purchasing Calls.

“Abuse” includes, without limitation, intentionally disconnecting to avoid charges, off-platform transfers to evade timers, number harvesting before the Qualifying Timer, engineered dead-air/silence to suppress connected time, or other actions designed to prevent a legitimate Billable Call.

3) Regulatory Changes

We may require additional attestations, documentation, or compliance steps in response to changes in law or regulation. You agree to fulfill such requirements promptly; failure may result in suspension or termination.

4) User Accounts & Eligibility

  1. You must be at least 18 years old to create an account.
  2. We may collect your first and last name, email, phone, password, and state insurance license information during signup.
  3. You represent and warrant that you are duly licensed and authorized to sell the products you discuss by phone, and that you will comply with all applicable laws and industry rules.
  4. We reserve the right to verify information, including licensure and appointments, and to audit for compliance.

5) Data & Privacy

We use analytics and advertising tools (including conversion APIs) to measure performance, prevent fraud, and improve the Services. Data may include device identifiers, event data, and network logs. See our Privacy Policy for details. We use commercially reasonable safeguards but cannot guarantee absolute security.

6) User Content & License

If you submit content (e.g., reviews, comments), you grant us a worldwide, perpetual, irrevocable, sublicensable, royalty-free license to use, host, reproduce, modify, publish, and display such content for operating and promoting the Services. You retain ownership of your content.

7) Prohibited Conduct

8) Call Handling; Cooldowns & Enforcement

We may apply automated or manual cooldowns (temporary removal from queues) when short-call ratios or other risk signals exceed thresholds. Cooldowns may escalate with repetition. We may reduce timers, pause access, or terminate accounts upon evidence of Abuse.

9) Modifications to Services

We may modify or discontinue the Services (or any part) at any time. Where feasible, we will provide advance notice of material changes.

10) Pricing, Timers & Billing

  1. Rates and Qualifying Timers vary by call type/vertical and may change. The binding rate and timer for a Call are those shown in-app at the moment you accept the Call.
  2. When a Call meets or exceeds the Qualifying Timer, you will be billed at the corresponding rate.
  3. All purchases will appear on your card statement as “ALLCALLS.IO”.
  4. For non-regulatory, non-abuse changes of general applicability, we endeavor to give at least 24 hours’ notice via in-app posting or email.

11) Wallet / Account Funds

Deposits

Use of Funds

Auto-Recharge Authorization

Dormancy & Escheat

After prolonged inactivity, we may treat Wallet funds as unclaimed property per applicable law and remit to the appropriate state after required notices.

12) Refunds & Disputes

Deposit Refunds

Call Disputes

Submit disputes within 5 business days of the Call timestamp via your dashboard or by emailing [email protected]. Include the Call ID, reason, and supporting evidence (e.g., recording timestamp, logs).

Valid reasons include: caller in an unlicensed state for you; wrong vertical; material technical failure; DNC-only intent; clear fraud.

Invalid reasons include: no sale; shopper behavior; agent unavailability; agent-initiated hang-up prior to the Qualifying Timer.

Approved Call disputes are credited to your Wallet unless law requires refund to the original method. Our evaluation is final.

13) Chargebacks & Negative Balances

Filing a card chargeback without first submitting a dispute is a material breach. We may suspend your account, assess reasonable recovery/chargeback fees, and pursue collections. Any negative balance may be auto-debited from stored payment methods or netted against future deposits.

14) Call Recording & Consent

Calls may be recorded or monitored for quality, training, analytics, and dispute resolution. We may play a consent notice; however, you are responsible for obtaining and documenting all required participant consents under applicable one-party or two-party consent laws.

15) Regulatory Compliance (TCPA, DNC, CMS/DOI)

You are solely responsible for compliance with all applicable laws and rules, including the Telephone Consumer Protection Act and state/federal Do-Not-Call requirements; Centers for Medicare & Medicaid Services rules and state Department of Insurance rules (including, as applicable, Scope of Appointment, required disclaimers, and record retention); and licensing/appointment obligations. Upon request you will provide proof of licensure and compliance artifacts (e.g., SOA logs). We may audit and suspend/terminate accounts for violations.

16) Account Security

You are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately of any unauthorized use.

17) Affiliates & Referrals

If you participate in an affiliate or referral program, you must follow program-specific terms, advertising standards, and disclosure requirements. We may withhold, offset, or deny commissions in cases of fraud, non-compliance, or profit-margin protection triggers. Program rules, payout timing, and eligibility may change or end at any time.

18) Taxes & Fees

You are responsible for applicable taxes and fees unless we state otherwise or are required by law to collect/remit.

19) Service Availability

We use reasonable efforts to maintain availability, including planned maintenance windows. We do not guarantee uninterrupted service or error-free operation. Unless we expressly offer credits in a separate agreement, no service credits are provided.

20) Disclaimers; No Guaranteed Results

  1. We do not guarantee error-free operation or the accuracy of any information on the Service.
  2. We do not guarantee sales outcomes or consumer intent; results depend on factors outside our control such as agent skill, market conditions, and consumer interest.
  3. We are not a party to transactions between you and consumers and are not liable for statements made by agents/agencies during Calls.

21) Indemnification

You will defend, indemnify, and hold harmless AllCalls.io, its affiliates, and personnel from and against claims, damages, fines, costs, and expenses (including reasonable attorneys’ fees) arising out of: (i) your Calls, content, or conduct; (ii) your breach of these Terms; (iii) your violation of TCPA, CMS/DOI rules, privacy/recording/consumer-protection laws; or (iv) disputes between you and any consumer or third party.

22) Limitation of Liability

Except for your payment obligations and indemnities, each party’s aggregate liability arising out of or related to the Services shall not exceed the total fees you paid to AllCalls.io in the twelve (12) months preceding the event giving rise to liability. The foregoing cap does not apply to a party’s gross negligence, willful misconduct, infringement of the other party’s intellectual property, or breach of confidentiality. In no event are either party liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, data, or goodwill.

23) Intellectual Property

The platform, software, text, graphics, logos, and other materials are protected by U.S. and international IP laws. Except as expressly permitted, you may not copy, modify, distribute, or create derivative works without prior written consent.

24) Third-Party Links

We are not responsible for third-party sites, content, or practices. Report misleading third-party claims linking to us at [email protected].

25) Electronic Communications & E-Sign Consent

You consent to receive agreements, notices, and updates electronically (email, in-app, or SMS). Your clicks/taps/typed names constitute your electronic signature.

26) Force Majeure

We are not liable for delays or failures due to events beyond our reasonable control (e.g., acts of God, war, terrorism, strikes, pandemics, utility failures).

27) No Partnership or Agency

Nothing herein creates a partnership, joint venture, or agency relationship. You act as an independent licensed professional responsible for your own compliance.

28) Agreement to Arbitrate; Class Action Waiver; Opt-Out

Any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Rules. The Federal Arbitration Act governs this agreement to arbitrate. No class or representative proceedings.

Either party may seek provisional or injunctive relief in court to protect its rights or to enforce or confirm an award; venue for such actions shall be the state or federal courts in Wyoming.

Opt-Out: You may opt out of arbitration by emailing [email protected] within 30 days of first accepting these Terms, stating your name, account email, and a clear request to opt out. Opt-out does not revoke any other part of these Terms.

29) Governing Law

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict of laws rules, and by the Federal Arbitration Act for arbitration issues.

30) API & Rate Limits

If we provide API access, tokens are account-bound. You may not exceed published rate limits, scrape the Service, or resell access. We may suspend or revoke API access for security or abuse.

31) No Waiver

No waiver of any term is a further or continuing waiver of that term or any other term. Failure to enforce a right is not a waiver.

32) Entire Agreement; Severability; Survival

These Terms, together with our Privacy Policy and any other posted legal notices, constitute the entire agreement regarding the Services. If any provision is held invalid, the remaining provisions remain in full force. Sections relating to payments, Wallet, disputes/refunds, chargebacks, compliance, indemnity, limits of liability, IP, arbitration, and other terms that by their nature should survive, will survive termination.


Questions? Contact [email protected].