Terms & Conditions

Last updated: May 8, 2026

Who We Are

Bering Harbor LLC (“Company,” “we,” “us,” or “our”) is a Florida limited liability company operating this website, https://numericads.com.

“Numeric Advertising” is a marketing brand operated by Bering Harbor LLC.

These Terms & Conditions apply to all services, leads, and interactions provided through this website and any related pages, forms, or communications.

What We Provide

We provide insurance lead generation services to licensed insurance agents and agencies.

We:

  • Generate consumer leads through online marketing and web forms
  • Sell leads on a pay-per-lead basis
  • Provide PPC advertising and digital marketing consulting services

We do not:

  • Sell insurance policies
  • Provide insurance advice
  • Operate as an insurance carrier or insurance agency

Lead Nature & Exclusivity

  • All leads sold are exclusive
  • Each lead is sold to one client only
  • Once delivered, a lead is not resold or reassigned

Exclusivity applies only to the initial sale and does not guarantee performance or conversion.

No Performance Guarantees

We do not guarantee:

  • Appointments
  • Sales
  • Issued policies
  • Commissions
  • Conversion rates

Lead performance depends on factors outside our control, including follow-up speed, sales ability, licensing status, carrier underwriting, and market conditions.

Client Responsibilities

By purchasing leads or using our services, you confirm that:

  • You are properly licensed where required
  • You are responsible for all communication with leads
  • You comply with all applicable laws and regulations, including:
    • TCPA
    • Do-Not-Call regulations
    • CAN-SPAM
    • State insurance regulations

We are not responsible for how leads are contacted, handled, or closed after delivery.

Lead Delivery

  • Leads are delivered digitally (including email, CRM integration, or another agreed delivery method)
  • Delivery occurs after successful payment unless otherwise agreed in writing
  • A lead is considered delivered once the information is transmitted to the client

Refunds & Replacements

All sales are final unless otherwise stated in writing.

If replacements or refunds are offered for specific lead issues (such as invalid contact information), those conditions will be clearly communicated before purchase.

Refunds are not issued based on:

  • Lead outcome
  • Non-response
  • Consumer interest level
  • Sales performance

Payments

  • Leads and services may be sold on a one-time or recurring basis depending on the agreement
  • Payment terms will be communicated before service delivery
  • Failure to pay voids any obligation to deliver leads or services

Limitation of Liability

To the maximum extent permitted by law:

  • We are not liable for indirect, incidental, or consequential damages
  • Total liability, if any, is limited to the amount paid for the specific lead(s) or service(s) in question

Intellectual Property

All website content, branding, copy, creative materials, and marketing assets remain the intellectual property of Bering Harbor LLC unless otherwise stated and may not be copied, reproduced, or reused without written permission.

Termination

We reserve the right to refuse service or terminate access if we believe a client is acting unlawfully, unethically, or in violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of Florida, United States.

Contact

For questions regarding these Terms, contact:

Bering Harbor LLC
ivan@numericads.com