Thira provides a subscription-based lead generation platform for licensed insurance agents. Our services include:
Thira reserves the right to modify, suspend, or discontinue any aspect of the services at any time with reasonable notice to active subscribers.
To subscribe to Thira's services, you must:
By subscribing, you represent and warrant that you meet all eligibility requirements and that all information you provide to Thira is accurate and truthful. Thira reserves the right to verify your licensure status and to suspend or terminate your account if your license lapses or is revoked.
Subscription Fee. The current monthly subscription fee is $250.00 per month ("Service Fee"). This fee covers the services described in Section 1 and does not include advertising spend, which is paid directly by you to the applicable advertising platform (see Section 4).
Billing Cycle. Your subscription is billed monthly, beginning on the date your account is activated. Subsequent billing occurs on the same day of each calendar month. If that date falls on a weekend or holiday, billing will occur on the next business day.
Automatic Renewal. Your subscription automatically renews each month unless you cancel in accordance with Section 5 of these Terms. By subscribing, you authorize Thira to charge your payment method on file for the applicable monthly fee without further authorization from you.
Fee Changes. Thira may modify the Service Fee upon no less than thirty (30) days' prior written notice to you. Your continued use of the services after the fee change takes effect constitutes acceptance of the new fee.
Failed Payments. If your payment fails, Thira will attempt to reprocess your payment and will notify you of the failure. Access to services may be suspended until payment is successfully collected. Thira reserves the right to terminate accounts with recurring failed payments.
No Refunds. All subscription fees are non-refundable. Thira does not issue refunds or credits for partial months of service, unused services, or dissatisfaction with lead quality or volume, except where required by applicable law.
Your Thira subscription does not include the cost of digital advertising. You are responsible for directly funding and managing your advertising account(s) on platforms such as Meta (Facebook/Instagram) and Google. Thira will set up, manage, and optimize your campaigns, but all advertising funds flow directly from your payment method to the advertising platform — Thira does not collect, hold, mark up, or take any portion of your advertising budget.
You acknowledge that advertising platforms have their own terms of service and that Thira cannot guarantee that your ads will not be paused, restricted, or rejected by an advertising platform. Thira is not liable for any such platform decisions or for refunds of advertising spend.
Cancellation by You. You may cancel your subscription at any time by contacting Thira in writing via email. Cancellations must be received at least five (5) business days before your next billing date to avoid being charged for the following month. Upon cancellation, you will retain access to the services through the end of your current paid billing period.
Termination by Thira. Thira may terminate or suspend your account immediately and without prior notice for: (a) failure to pay any amounts due; (b) breach of these Terms; (c) violation of any applicable law or regulation, including the TCPA; (d) loss or suspension of your insurance license; or (e) conduct we determine to be harmful to other users, consumers, or the Thira platform.
Effect of Termination. Upon termination or cancellation, your right to use the Thira platform ceases. Leads already delivered to your CRM remain yours. Thira will not delete consumer data that has already been transferred to your account, and you remain responsible for managing that data in compliance with applicable law.
Thira operates a separate advertising account for each subscribed agent and does not share, recycle, or resell leads between multiple agents. Leads generated through your campaigns are exclusively yours.
However, exclusivity is limited to the Thira platform. Thira cannot prevent a consumer from independently submitting their information to other lead generation services, insurance comparison platforms, or agents outside of Thira. Lead exclusivity means only that Thira will not provide the same consumer's information to a competing agent through our platform.
No Volume Guarantee. Thira does not guarantee any minimum number of leads per month. Lead volume depends on factors including advertising budget, market conditions, seasonal demand, platform algorithm changes, and territory competition. Thira will make reasonable best efforts to optimize your campaigns but cannot guarantee specific results.
Critical Compliance Notice: As a licensed insurance agent, you are independently responsible for ensuring that your use of leads and any communications you initiate comply with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, the CAN-SPAM Act, applicable state telemarketing laws, and all other federal and state regulations governing insurance solicitation and consumer communications.
Thira's AI assistant, Emma, initiates contact with consumers on your behalf pursuant to TCPA-compliant consent language presented at the point of lead form submission. However, once a lead is transferred to you and you or your staff initiate independent contact, you are solely responsible for ensuring your communications comply with all applicable laws, including:
You agree to indemnify and hold harmless Thira from any claims, penalties, fines, or damages arising from your independent communications with leads in violation of any applicable law.
You agree that you will not use the Thira platform or any leads delivered through it to:
Violation of this Section is grounds for immediate termination of your account without refund.
All content, software, workflows, automation systems, branding, and materials made available through the Thira platform — including Emma AI and all associated technology — are the exclusive intellectual property of Thira or its licensors. Nothing in these Terms grants you any ownership interest in Thira's intellectual property.
You are granted a limited, non-exclusive, non-transferable license to use the Thira platform solely for your internal business purposes during the term of your active subscription.
No Guarantee of Results. Thira does not guarantee any specific number of leads, appointments, sales, or revenue. Results will vary based on your territory, your advertising budget, market conditions, your sales skills, and many other factors outside of Thira's control. Any examples of results shared by Thira are illustrative and not a guarantee of what you will achieve.
Services Provided "As Is." The Thira platform and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Thira does not warrant that the services will be uninterrupted, error-free, or completely secure.
No Legal or Compliance Advice. Nothing in these Terms or in any Thira communication constitutes legal, compliance, or regulatory advice. You are solely responsible for ensuring your insurance business practices comply with all applicable laws. Thira recommends consulting a qualified attorney regarding your TCPA compliance obligations.
To the maximum extent permitted by applicable law, Thira and its owners, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost revenue, loss of data, or loss of goodwill, arising from or related to your use of or inability to use the Thira services.
In no event shall Thira's total cumulative liability to you for any claims arising under or related to these Terms exceed the total amount of Service Fees paid by you to Thira in the three (3) months immediately preceding the event giving rise to the claim.
Some jurisdictions do not allow the limitation of liability for certain damages, so the above limitations may not apply to you in full.
You agree to defend, indemnify, and hold harmless Thira and its owners, officers, employees, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Thira services; (b) your breach of these Terms; (c) your violation of any applicable law, including the TCPA or any state insurance regulation; (d) your interactions with consumers; or (e) any misrepresentation you make to consumers regarding your insurance products or licensure.
During the course of your engagement with Thira, you may receive access to non-public information about Thira's systems, workflows, automation technology, pricing, business strategy, and methods of operation ("Confidential Information"). You agree to keep all such Confidential Information strictly confidential and not to disclose it to any third party without Thira's prior written consent. This obligation survives termination of your subscription for a period of three (3) years.
These Terms shall be governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of law provisions.
Informal Resolution. Before initiating any formal dispute, you agree to contact Thira in writing and attempt to resolve the dispute informally for a period of thirty (30) days.
Arbitration. If the dispute is not resolved informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Thira services shall be resolved by binding individual arbitration administered in accordance with the American Arbitration Association's Commercial Arbitration Rules. The arbitration shall take place in the State of Alabama. You waive your right to a jury trial and your right to participate in any class action lawsuit or class-wide arbitration against Thira.
Notwithstanding the foregoing, either party may seek emergency injunctive relief in a court of competent jurisdiction to protect its intellectual property or confidential information.
Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Thira with respect to the subject matter herein and supersede all prior or contemporaneous agreements, representations, or understandings.
Severability. If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
Waiver. Thira's failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision in the future.
Assignment. You may not assign your rights or obligations under these Terms without Thira's prior written consent. Thira may assign these Terms freely in connection with a merger, acquisition, or sale of assets.
Notices. All notices to Thira must be sent in writing by email to the address below. Thira may send notices to you via the email address associated with your account.
Changes to Terms. Thira reserves the right to update these Terms at any time. We will provide at least thirty (30) days' notice of material changes by email or by posting a notice on our website. Your continued use of the services after the effective date of any changes constitutes your acceptance of the updated Terms.
For questions about these Terms or to provide any notice required hereunder, please contact:
Thira
Email: legal@thiraleads.com
Please include "Legal Inquiry" in the subject line of your email. We will respond to all inquiries within five (5) business days.
These Terms and Conditions are provided for informational and contractual purposes. Thira strongly recommends that all subscribing agents consult with qualified legal counsel regarding their individual compliance obligations under the TCPA, applicable state telemarketing laws, and state insurance department regulations before initiating consumer contact.