Last updated October 18, 2026
These Terms of Service ("Terms") govern your access to and use of the PolicyFavor website, inbound-call platform and related services (together, the "Services"), operated by Digital Favor LLC d/b/a PolicyFavor ("PolicyFavor," "we," "us" or "our"). By creating an account, adding funds to a wallet or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
The Services are for licensed insurance agents, agencies, call publishers and other business users who are at least 18 and able to enter a binding contract. The Services are for business use only and are not offered to consumers for personal, family or household purposes.
You must hold, and keep in good standing, every license, appointment and authorization needed to discuss or sell the products you handle on calls delivered through the Services, in every state you take calls from. We may ask for proof of licensing at any time and may limit the states you are eligible to receive calls from.
You may not use the Services if applicable law prohibits it or if you appear on any government sanctions, denied-party or debarment list.
PolicyFavor connects licensed agents with inbound calls from consumers, generated through our own marketing and through third-party marketing partners. PolicyFavor is a marketing and call-delivery platform. We are not an insurance carrier, agency or broker, we do not sell insurance, we do not employ you, and we do not guarantee any sale, appointment, conversion or other result.
We do not guarantee call volume, call quality, caller intent or earnings. Inbound traffic depends on advertising and third-party sources and can change at any time.
Campaigns, verticals, billable buffers, qualification criteria, pricing, routing rules, state coverage and eligibility requirements are set by us and may be added, changed, paused or discontinued at any time, including in ways that change what you are charged or how many calls you receive. Where practical, we will show changes in the Services before they apply.
You must give accurate, current information and keep your login secure. One account per person. You are responsible for all activity under your account, including activity by anyone you let use it. Sharing an account, or letting another person take calls under your login, is a material breach of these Terms.
Access requires our approval and may require onboarding, phone verification, proof of licensing and acknowledgements shown in the Services. We may decline, revoke or condition approval at our discretion.
Wallet funding may be screened for fraud, financial-crime and sanctions risk. We may delay, decline, reverse or report a transaction, and may suspend an account, where required by law or where we reasonably suspect fraud or abuse.
If you use the Services for an organization, you confirm you are authorized to bind it, and "you" includes that organization.
The Services are prepaid and pay-per-use. You fund a wallet through our third-party payment processor, and charges are deducted from your balance at the rates shown in the Services at the time of the call. You authorize us to charge those amounts and deduct them from your wallet.
Minimum funding amounts, the minimum balance needed to receive calls, processing fees and per-transaction limits are shown in the Services and may change. If your balance falls below the minimum needed for a call, call delivery stops until you add funds.
If you turn on auto reload, you authorize us to charge your saved payment method the reload amount you choose each time your balance falls below the threshold you set, until you turn auto reload off. You can turn it off at any time in the Services.
Wallet funds are a prepaid usage credit for the Services. They are not a deposit, are not held in trust, are not insured, earn no interest, and cannot be transferred, assigned or redeemed for cash. Rates, fees and minimums may change for future calls at any time.
You are responsible for all taxes arising from your use of the Services, other than taxes on our net income.
Each campaign shows its rate and billing rules in the Services before you go live, and those disclosures are part of these Terms.
Calls are charged at the rate shown for the campaign once the connected call passes the billable duration (the "buffer") published for that campaign. Calls that end before the buffer are not charged. Duration is measured by our systems.
Unless a campaign says otherwise, calls are not billable if they end before the buffer, come from the same caller within the duplicate window shown in the Services, or come from outside the states you have set as licensed.
A charge applied after a call ends may take your balance below zero. A negative balance is a debt owed to us. It is automatically offset against your next wallet funding, and you will not receive calls until it is cleared. We may recover an unpaid negative balance by any lawful means.
Our records of calls, durations, billable status and charges are the controlling record for billing, absent manifest error.
Calls connected through the Services are recorded, transcribed and analyzed for billing, quality assurance, compliance monitoring, dispute handling, fraud detection, coaching and improving the Services. This processing is done by us and by service providers, including telephony, speech-recognition and artificial-intelligence providers.
By using the Services you consent to this recording, transcription and analysis, and to sharing call audio and transcripts with those providers, where permitted by law. Where a caller's consent to recording is required, notice is given to the caller before the call is connected to you. You must not contradict or discourage that notice, and you must follow all recording and consent laws that apply in your state and the caller's state. If a caller objects to being recorded, you must end the call.
Recordings, transcripts and related analysis are our records. See our Privacy Policy.
All payments are final and non-refundable. To the fullest extent permitted by law, setup fees, packages, wallet funds (used or unused), call charges, subscription and platform fees, and all other amounts paid to us are non-refundable, including for unused balances, account suspension or termination, dissatisfaction with call volume, quality or caller intent, calls that did not convert, downtime or technical issues, or changes to campaigns or pricing. This does not limit any rights you have that cannot be waived under applicable law.
If you believe a call was charged in error, request a review in the Services or by email within 7 days of the call. If we determine a call was charged in error, we may apply a correcting credit to your wallet. A billing correction is an adjustment to your prepaid usage credit, not a refund; no money is returned to your payment method. Corrections are at our discretion and do not create any entitlement or admission of liability.
By paying us, you agree not to file a chargeback, payment dispute or reversal with your bank or card issuer for any amount paid under these Terms, and to raise any billing concern with us through the review process in Section 8.1 instead. Filing a chargeback, payment dispute or reversal against us is a material breach of these Terms. If you do, we may suspend or terminate your account, stop call delivery, treat the disputed amount plus related fees and costs (including bank fees and reasonable attorneys' fees) as a debt immediately due, offset it against any balance, and pursue recovery. We may submit call recordings, transcripts and account records as evidence in the dispute.
Some access may be offered as a recurring subscription or platform plan. The price, billing period and terms are shown in the Services at purchase. Subscriptions renew automatically at the then-current rate until cancelled. You may cancel at any time in the Services or by contacting us, effective at the end of the current billing period. Subscription fees pay for platform access only; they do not add wallet balance or pay for calls. Subscription fees are non-refundable, including for partial periods. We may change subscription pricing with notice, effective at your next renewal.
If we offer a referral program, you may earn compensation for qualifying activity by users you refer, at the rates shown in the Services. Rates, tiers, qualifying activity, payout thresholds and timing are set by us and may change. Payouts are made only to a verified payout method in your own name and only while your account is in good standing. Self-referrals, referring accounts you control, and artificial or incentivized activity are prohibited, and we may withhold or reverse any amount where we reasonably believe this occurred. You are responsible for taxes on referral compensation, and unpaid referral balances are forfeited if your account is terminated for breach.
You agree not to:
You are solely responsible for your conduct on calls and for following all applicable laws. We may monitor for the conduct above, charge for affected calls, suspend or terminate your account, and report unlawful conduct to regulators or law enforcement.
Calls delivered through the Services include personal information about consumers. You act as an independent controller of that information and are solely responsible for your own compliance with privacy, data-protection and telemarketing laws. You must:
By creating an account you agree that we may contact you about your account, calls, billing and the Services by email, text message, phone and in-product notice. Some messages are operational and cannot be turned off while your account is active. You may receive verification codes by text; message and data rates may apply. You can opt out of marketing messages at any time by following the instructions in the message.
The Services rely on third-party telephony, network, speech and payment providers we do not control, and on your own device and internet connection. We may modify, suspend or discontinue any part of the Services, perform maintenance and change limits at any time. We do not guarantee uninterrupted or error-free operation, that calls will connect, or that recordings or transcripts will be captured or kept for any period.
The Services, including software, content, scripts, training materials, call data, recordings, transcripts, analytics and trademarks, are owned by PolicyFavor or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Services for their intended business purpose while you have access. If you give us feedback, we may use it freely without obligation to you.
Non-public information you receive through the Services, including pricing, rates, traffic sources, campaign settings, performance data and other users' identities and data, is our confidential information. You must keep it confidential, use it only to use the Services, and not disclose it without our written consent. This survives termination.
You may stop using the Services at any time. We may suspend or terminate your access immediately, without notice, if you breach these Terms, if we reasonably believe you create fraud, legal or compliance risk for us, other users or consumers, or if required by law or a payment provider. On suspension or termination, any remaining wallet balance is handled under Section 8, and any negative balance or other amount you owe remains due. Sections that by their nature should survive termination will survive.
The Services are provided "as is" and "as available," without warranties of any kind, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement. We do not warrant that the Services will be uninterrupted, secure or error-free, that automated processing will be accurate, or that any call volume, conversion or financial result will be achieved. We are not responsible for the conduct, accuracy or intent of callers, or for the acts of third-party marketing partners, publishers, carriers or infrastructure providers.
To the fullest extent permitted by law, PolicyFavor and Digital Favor LLC, and their officers, members, employees and agents, will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, business, leads, data or goodwill. Our total liability for all claims relating to the Services will not exceed the amounts you paid us in the three months before the event giving rise to the claim.
You will indemnify, defend and hold harmless PolicyFavor and Digital Favor LLC, and their officers, members, employees and agents, from any claims, losses, liabilities, damages, penalties, fines and expenses (including reasonable attorneys' fees) arising from your use of the Services, your calls and communications with consumers, your handling of consumer information, your licensing or insurance activity, your breach of these Terms, or your violation of any law or third-party right.
Please read this section carefully. It affects your right to sue in court and to bring a class action.
Before starting any formal proceeding, you agree to email us at kanon@remodelfavor.com describing the dispute and the relief you want, and to work with us in good faith for at least 30 days to resolve it.
If the dispute is not resolved, any dispute, claim or controversy arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, in Texas or by videoconference at the arbitrator's discretion. The Federal Arbitration Act governs this section, and judgment on the award may be entered in any court with jurisdiction.
You and we each waive the right to a jury trial and to take part in a class, collective, consolidated or representative action. If this waiver is found unenforceable for a particular claim, that claim alone proceeds in court and the rest of this section remains in effect.
Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court to protect intellectual property, confidential information or the Services against unauthorized access.
You may opt out of arbitration and the class-action waiver by emailing us within 30 days of first accepting these Terms with your name, account email and a clear statement that you opt out.
To the extent permitted by law, any claim must be brought within one year after it arises or it is permanently barred.
These Terms are governed by the laws of the State of Texas and applicable federal law, without regard to conflict-of-laws rules. Subject to Section 21, the parties submit to the exclusive jurisdiction of the state and federal courts located in Texas.
We may update these Terms from time to time and will change the "Last updated" date above. For material changes, including changes to how you are charged, we will give additional notice, which may include asking you to accept the updated Terms before you continue taking calls. Continued use after changes take effect means you accept them.
These Terms, together with the Privacy Policy, the in-product disclosures you acknowledge and any separate signed agreement between us, are the entire agreement between you and us. If they conflict, a separate signed agreement controls, then these Terms, then in-product disclosures. You are an independent contractor, and nothing in these Terms creates an employment, agency, partnership or joint-venture relationship. You may not assign these Terms without our written consent; we may assign them, including in a merger, acquisition or sale of assets. If any provision is unenforceable, it is limited or severed and the rest stays in effect. Our failure to enforce a provision is not a waiver. We are not liable for delays or failures caused by events beyond our reasonable control. Notices to you may be sent to your account email or posted in the Services.
PolicyFavor (Digital Favor LLC)
Email: kanon@remodelfavor.com