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Terms and Conditions

Last updated: June 10, 2026

1. Acceptance of Terms

These Terms and Conditions govern your access to and use of RingFunnel, including agent portals, agency portals, call routing, lead distribution, account credits, training tools, support tools, and related services. By creating an account, signing in, purchasing credits, depositing funds, receiving calls, using training tools, or otherwise using RingFunnel, you agree to these Terms.

If you do not agree to these Terms, do not use RingFunnel and do not purchase credits. The person accepting these Terms represents that they have authority to bind the account, agency, business, or entity on whose behalf they use the platform.

2. Description of Service

RingFunnel is a call routing and lead distribution platform for licensed insurance agents and agencies. The platform may include inbound call routing, browser-based telephony, campaign selection, account credit balances, agency wallet tools, call logs, call disputes, training tools, AI-assisted features, lead purchasing, SMS tools, support tools, and performance reporting.

RingFunnel may use third-party providers for payment processing, communications, telephony, identity verification, AI services, analytics, hosting, and support. Third-party service availability, processor rules, carrier rules, and compliance requirements may affect platform availability or account access.

3. Account Registration and Eligibility

You must provide accurate account, business, licensing, payment, and contact information. You are responsible for keeping your account credentials secure and for all activity under your account. You must be at least 18 years old and must maintain all licenses, appointments, registrations, permissions, and approvals required for the campaigns, states, and products you handle.

RingFunnel may deny, suspend, restrict, or terminate access if we believe account information is inaccurate, licensing is missing, identity verification is incomplete, payment risk is elevated, platform rules are violated, or use of the platform may create legal, compliance, financial, operational, or reputational risk.

4. Credits, Wallet Deposits, and Payments

Agents and agencies may purchase account credits or deposit funds into an agency wallet. Credits are used to pay for eligible platform activity, including billable calls, training usage, wallet transfers, or other services made available by RingFunnel. Pricing, billing thresholds, campaign rates, processing fees, minimum purchase amounts, and available payment methods may change at any time.

Payment may be processed by Whop or another payment provider. You authorize RingFunnel and its payment processors to charge the payment method used at checkout for the selected amount, processing fees, and any applicable charges displayed or described before purchase. Credits are added after payment is confirmed by the processor or webhook flow.

5. No Refund Policy

All credit purchases and agency wallet deposits are final once credits or funds are added to the RingFunnel account. RingFunnel does not provide cash refunds, card refunds, ACH refunds, payment reversals, or processor refunds for credits or wallet funds after they have been posted to the account.

Purchased credits remain associated with the account until used. Unused credits are not refundable because an agent stops using the platform, changes campaigns, receives fewer calls than expected, is dissatisfied with call outcomes, does not close sales, changes business plans, fails to use the credits, or requests a refund after credits have been added.

This no-refund policy applies to agent credit purchases, agency wallet deposits, and any other self-service payment that results in account credits. By checking the Terms acceptance box at checkout, you acknowledge and agree that the selected credit purchase or wallet deposit is non-refundable once posted.

6. Call Billing Disputes and Account Adjustments

RingFunnel may provide an internal process to dispute specific call charges when an agent believes a call did not meet stated campaign criteria or was billed incorrectly. That process is limited to review of the specific platform charge and does not create a right to a cash refund.

If RingFunnel approves a call billing dispute, the remedy will be an account credit, ledger correction, or billing adjustment inside the RingFunnel platform. RingFunnel may deny disputes that are late, unsupported, inconsistent with call records, inconsistent with campaign rules, or based on sales results rather than billing eligibility.

7. Chargebacks and Payment Disputes

To the fullest extent permitted by law, you agree not to initiate a chargeback, payment reversal, payment dispute, or similar claim for credits or wallet funds that were purchased, authorized, and added to your RingFunnel account based on unused credits, dissatisfaction with call volume, dissatisfaction with lead quality, failure to close sales, change of mind, business performance, or a request for a refund that is barred by these Terms.

You agree to contact RingFunnel first for any billing concern. If you initiate a chargeback or payment dispute after credits have been added, RingFunnel may suspend account access, pause call routing, restrict use of credits, restrict wallet transfers, disable checkout access, recover processor fees and dispute costs, and submit account records as evidence in contesting the dispute.

Evidence may include the accepted Terms, checkout records, payment records, IP address, user agent, device or browser information, account activity, login activity, credit ledger entries, call logs, recordings, call routing records, support communications, wallet transfers, and usage history. Nothing in these Terms prevents a cardholder from exercising rights that cannot legally be waived, including valid claims of unauthorized use or billing error.

8. No Guarantee of Calls or Results

RingFunnel does not guarantee call volume, lead quality, answered calls, consumer eligibility, consumer interest, appointment rates, closing rates, commissions, revenue, profitability, return on investment, or any particular business result. Call availability depends on campaign traffic, publisher supply, consumer behavior, routing settings, licensing, state availability, compliance status, platform rules, and other operational factors.

Credits purchase access to eligible platform services as available. Credits do not guarantee that every call will convert, that a consumer will remain on the line, that a consumer will purchase a product, or that the agent or agency will earn revenue from platform activity.

9. Records, Evidence, and Retention

RingFunnel may create and retain records relating to account access, checkout activity, payment attempts, accepted Terms, IP address, user agent, device information, call routing, call recordings, call logs, credit transactions, wallet transfers, disputes, support messages, training usage, and platform activity.

These records may be used for billing, fraud prevention, platform security, compliance, customer support, dispute resolution, chargeback response, quality assurance, training, analytics, and enforcement of these Terms. You agree that RingFunnel may submit relevant records to payment processors, card networks, banks, legal advisors, compliance partners, or other parties involved in resolving payment or account disputes.

10. Account Restrictions During Disputes

Credits remain associated with the account, but access to use them may be restricted while a chargeback, payment issue, fraud review, account investigation, suspension, compliance review, or Terms violation remains unresolved. RingFunnel may pause call routing, wallet transfers, training access, support actions, or other account functions during that period.

11. Agent Conduct and Compliance

As an agent or agency using the platform, you agree to:

12. Call Recording and Monitoring

Calls processed through RingFunnel may be recorded, monitored, transcribed, analyzed, scored, reviewed, and stored for quality assurance, billing, training, dispute resolution, compliance, fraud prevention, and platform improvement. By using RingFunnel, you consent to this recording and monitoring and agree to obtain any legally required consents during calls.

13. SMS and Communications

Agents may use SMS or other communication tools only when permitted by law and platform rules. Messages must relate to the active consumer interaction or approved platform purpose. You may not use RingFunnel tools for spam, unsolicited marketing, harassment, deceptive messages, or any purpose unrelated to the approved campaign or consumer interaction.

RingFunnel may send account notices, billing notices, support messages, compliance notices, and platform updates by email, SMS, phone, in-app notification, or other contact method associated with your account.

14. Intellectual Property and Platform Access

RingFunnel owns or licenses the platform, software, designs, workflows, scripts, documentation, training materials, reports, logos, trademarks, and related content. You receive a limited, revocable, non-transferable right to use the platform for approved business purposes while your account is in good standing.

You may not copy, resell, reverse engineer, scrape, disrupt, overload, sublicense, or misuse the platform or any content, data, routing logic, scripts, recordings, or system outputs except as expressly allowed by RingFunnel.

15. Third-Party Services

RingFunnel may rely on payment processors, telephony carriers, routing providers, AI providers, identity verification providers, hosting providers, analytics providers, email providers, and support tools. RingFunnel is not responsible for interruptions, restrictions, processor decisions, carrier decisions, network issues, third-party outages, or third-party terms that affect service availability.

16. Privacy and Data

Use of RingFunnel is also governed by our Privacy Policy. By using the platform, you authorize RingFunnel to collect, use, store, process, and share information as described in these Terms and the Privacy Policy, including information needed for billing, compliance, support, security, fraud prevention, and dispute response.

17. Suspension and Termination

RingFunnel may suspend, restrict, or terminate access at any time if we believe you violated these Terms, created payment risk, initiated an improper chargeback, failed verification, created compliance risk, misused the platform, violated campaign rules, or engaged in conduct harmful to consumers, publishers, carriers, agencies, agents, or RingFunnel.

Suspension or termination does not create a right to a cash refund for credits already added to the account. Credits remain associated with the account, but access to use them may be restricted while the issue remains unresolved.

18. Limitation of Liability

To the fullest extent permitted by law, RingFunnel is not liable for indirect, incidental, special, consequential, exemplary, lost profit, lost revenue, lost commission, lost opportunity, lost data, or business interruption damages arising from or related to the platform, calls, credits, routing, leads, payment processing, third-party services, or these Terms.

To the fullest extent permitted by law, RingFunnel's total liability for any claim will not exceed the amount you paid to RingFunnel for platform credits in the three months before the event giving rise to the claim.

19. Dispute Resolution, Arbitration, and Class Waiver

Any dispute arising from or relating to RingFunnel, the platform, credits, payments, account access, calls, or these Terms will be resolved through binding individual arbitration unless applicable law requires otherwise. You and RingFunnel waive the right to a jury trial and agree not to participate in class, collective, consolidated, or representative actions to the fullest extent permitted by law.

20. Changes to Terms

RingFunnel may update these Terms at any time by posting revised Terms on this page, updating the last updated date, or providing notice through the platform. Continued use of RingFunnel after changes become effective constitutes acceptance of the revised Terms. Future credit purchases may require acceptance of the then-current Terms before checkout.

21. Contact Us

Questions about these Terms may be sent to: