Terms of Service

1Acceptance of terms

These Terms of Service ("Terms") form a binding agreement between you ("you," "your," or "Publisher") and Omni Lead Media ("OLM," "we," "us," or "our") governing your access to and use of olmleads.com, our publisher portal, APIs, and any related services (collectively, the "Services").

By creating an account, submitting a publisher application, integrating with our tracking links or APIs, or otherwise using the Services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you may not use the Services.

If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity, in which case "you" refers to that entity.

2Description of services

OLM operates a performance marketing network that connects consumer-facing publishers ("Publishers") with buyers seeking qualified consumer leads ("Buyers") across financial services, legal services, and related verticals. Through the Services, Publishers may generate, submit, and track consumer leads, and receive compensation for leads that meet applicable acceptance criteria.

OLM acts solely as an intermediary marketing platform. OLM is not a lender, broker, law firm, credit repair organization, or provider of financial or legal advice. OLM does not guarantee any specific volume of leads, acceptance rate, payout amount, or Buyer demand for any vertical at any time.

3Eligibility & accounts

You must be at least 18 years old, capable of forming a binding contract, and not barred from using the Services under applicable law to register as a Publisher. Publisher accounts are approved at OLM's sole discretion following review of your application, traffic sources, and compliance history.

• You are responsible for maintaining the confidentiality of your login credentials and API keys.
• You are responsible for all activity that occurs under your account, whether or not authorized by you.
• You must promptly notify OLM of any unauthorized use of your account or suspected security breach.
• Account information you provide (business name, tax details, payout method, contact information) must be accurate and kept up to date.

4Publisher obligations

As a Publisher, you agree that:

• You will only submit leads generated through traffic sources and methods disclosed in your application and approved by OLM.
• Every lead submitted reflects a real, individual consumer who has affirmatively expressed interest in the relevant product or service.
• You will not submit duplicate, incentivized (unless expressly permitted in writing), synthetic, scraped, purchased-list, or otherwise non-organic leads.
• All advertising, landing pages, creative, and consumer-facing disclosures used to generate leads are accurate, not misleading, and comply with Section 5 below.
• You will cooperate with OLM's compliance reviews, including providing traffic source documentation, consent records, and call recordings upon request.

5Compliance & lead standards

Financial and legal services leads carry heightened regulatory obligations. You agree to comply with all applicable federal, state, and local laws in connection with your use of the Services, including without limitation:

• The Telephone Consumer Protection Act (TCPA) and its implementing regulations, including express written consent requirements where applicable;
• The CAN-SPAM Act and applicable email marketing regulations;
• The Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and state financial privacy laws;
• State-specific licensing, bonding, and disclosure requirements applicable to debt relief, credit services, and legal referral advertising;
• The CAN-SPAM Act, Telemarketing Sales Rule, and applicable Do-Not-Call registry obligations for call-based traffic.

You must retain, and provide to OLM upon request, records sufficient to demonstrate valid consumer consent for each lead, including timestamp, source URL or call recording, IP address, and the specific disclosure language presented to the consumer.

6Payments & payouts

OLM will pay Publishers for accepted leads according to the payout rates, schedule (e.g., weekly or Net-15), and payout method selected or agreed to in your account settings. Payout rates vary by vertical, lead quality, and Buyer demand, and may change prospectively with notice through the portal.

• Only leads marked "Accepted" following Buyer and quality review are eligible for payment.
• OLM may withhold, delay, or offset payment to cover chargebacks, refunds, fraud investigations, or amounts owed under these Terms.
• You are solely responsible for any taxes arising from payments made to you, and for providing accurate tax documentation (e.g., Form W-9 or W-8) as requested.
• Disputed payout line items must be raised in writing within 30 days of the applicable payout statement, after which the statement is deemed final.

7Prohibited conduct

Without limiting the foregoing, you may not:

• Use bots, scripts, or automated tools to generate, submit, or inflate leads;
• Misrepresent your identity, traffic sources, or affiliation with OLM to consumers or third parties;
• Make false, deceptive, or unsubstantiated claims about any financial or legal product or service in your marketing;
• Frame, mirror, or attempt to reverse-engineer the Services, or interfere with their normal operation;
• Sell, sublicense, or resell access to the Services or your account without OLM's prior written consent;
• Violate the intellectual property, privacy, or other rights of any person or entity in connection with your use of the Services.

Violation of this section may result in immediate suspension, forfeiture of pending payouts related to the violation, and termination of your account.

8Intellectual property

The Services, including all software, design, text, graphics, logos, and the OLM name and marks, are owned by OLM or its licensors and protected by intellectual property laws. Subject to your compliance with these Terms, OLM grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for their intended purpose as a Publisher.

You retain ownership of your own creative, landing pages, and traffic. By submitting leads and related data, you grant OLM a non-exclusive, worldwide license to use, process, and share that data with Buyers and service providers as necessary to operate the Services, in accordance with our Privacy Policy.

9Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. OLM DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY SPECIFIC LEAD VOLUME, ACCEPTANCE RATE, OR PAYOUT AMOUNT WILL RESULT FROM YOUR USE OF THE SERVICES.

OLM does not provide financial, credit, legal, or investment advice. Any information provided through the Services is for marketing and operational purposes only and should not be relied upon as professional advice.

10Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OLM AND ITS OFFICERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OLM's total aggregate liability arising out of or relating to these Terms or the Services will not exceed the total amount paid by OLM to you under these Terms in the six (6) months preceding the event giving rise to the claim.

11Indemnification

You agree to indemnify, defend, and hold harmless OLM and its officers, employees, and affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your breach of these Terms; (b) leads you submit, including any lack of valid consumer consent; (c) your marketing creative or traffic sources; or (d) your violation of applicable law.

12Termination

Either party may terminate this agreement at any time, with or without cause, by providing written notice. OLM may suspend or terminate your account immediately, without prior notice, if we reasonably believe you have violated these Terms, applicable law, or pose a risk to OLM, Buyers, or consumers.

Upon termination, your right to access the Services ceases immediately. Sections that by their nature should survive termination — including Payments (for leads already accepted prior to termination), Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Disputes — will survive.

13Disputes & arbitration

Any dispute arising out of or relating to these Terms or the Services will first be addressed through good-faith negotiation between the parties. If unresolved within 30 days, the dispute will be submitted to binding arbitration administered under the commercial arbitration rules of a mutually agreed arbitration body, conducted on an individual basis only. You and OLM each waive any right to a jury trial or to participate in a class, collective, or representative action.

Nothing in this section prevents either party from seeking injunctive relief in a court of competent jurisdiction for claims related to intellectual property or unauthorized access to the Services.

14General provisions

• Governing law: These Terms are governed by the laws of the state in which OLM is incorporated, without regard to conflict-of-law principles.
• Changes to these Terms: OLM may update these Terms from time to time. Material changes will be posted to this page with an updated "Last updated" date, and continued use of the Services after changes take effect constitutes acceptance.
• Assignment: You may not assign these Terms without OLM's prior written consent. OLM may assign these Terms in connection with a merger, acquisition, or sale of assets.
• Severability: If any provision is found unenforceable, the remaining provisions remain in full effect.
• Entire agreement: These Terms, together with the Privacy Policy and any order forms or vertical-specific addenda, constitute the entire agreement between you and OLM.

15Contact us

If you have questions about these Terms, please contact us: