Here are the revised terms and conditions for your lead service:

Lead Terms and Conditions (Non Live Call Transfer)

These terms and conditions apply to any agreement between Britleads Limited and You in which Britleads Limited and its associated websites will provide leads and opportunities it has identified. In exchange for these leads, You agree to pay Britleads Limited the specified payments as outlined in paragraph 4.5 of these Terms and Conditions.


  • ‘Britleads’: Refers to Britleads Limited or any of its associated companies or websites.
  • ‘The Commencement Date’: The date specified in the Confirmation email.
  • ‘BL’: Britleads Limited.
  • ‘Activity’: The actions carried out by You upon receiving the Lead.
  • ‘Enquirer’ or ‘Interested Party’: The person or persons who wish to be contacted by You.
  • ‘Lead’: The form containing details of the interested party and the client’s information.
  • ‘Lead Type Cost’: The cost associated with the chosen lead type.
  • ‘FCA/PRA/Regulatory Body Authorisation’: Obtaining permission for carrying out the relevant regulated activity as specified within the Financial Services and Markets Act 2000, as amended from time to time.
  • ‘Month’: A period of 4 weeks or 28 days.
  • ‘Territory’: A predefined geographic subdivision covering England, Wales, Scotland, and Northern Ireland.
  • ‘Year’: 13 sets of 4-week periods.
  • ‘You’ or ‘Your’: Refers to the person, partnership, or company to whom the Lead is sent.


This agreement begins on the date specified in the Confirmation email and remains in effect until terminated as per paragraph 5 below.


3.1 Britleads reserves the right to decline entering into an agreement with You without providing an explanation.

3.2 Upon acceptance, Britleads will send a Confirmation email initiating this agreement. The agreement will continue until terminated in accordance with paragraph 5 of these terms and conditions.

3.3 Britleads will promptly notify You of leads, typically through email or any other agreed-upon means between Britleads and You.

3.4 Please note that Britleads cannot guarantee that a Lead will result in business. Refunds for Leads that fall outside of Britleads’ refund policy will not be provided (you can view the policy by clicking here).

3.5 Britleads may send questionnaires to You and/or the Enquirer regarding the Lead to collect feedback.

3.6 Britleads is not obligated to supply You with Leads.


4.1 If necessary, You must have the required permissions to carry out the Activity at the time of submitting your application or be an Appointed Representative of an Authorised Firm that has the necessary permissions.

4.1.1 You must also be registered as a data controller with the Information Commissioner’s Office.

4.2 You must immediately inform Britleads of any changes or revocations to your licenses, memberships, and authorizations that may affect your ability to fulfill your obligations under this agreement.

4.3 Leads will be delivered to You via email or any other agreed-upon means with Britleads, 24 hours a day. You should make a reasonable effort to contact the Enquirer within 3 hours of receiving the Lead to acknowledge the application and discuss the Enquirer’s requirements. If contacting the Enquirer within 3 hours is unreasonable or would contravene guidance from the Information Commissioner’s Office, initial contact via email to confirm receipt of the lead is permitted.

4.4 Once Britleads has referred the Lead to You, you are responsible for all interactions with the Enquirer. You should make it clear to the Enquirer that you are responding to an inquiry via one of Britleads’ websites (as indicated in the lead email) and should never represent yourself as an agent of Britleads, another provider, or any other agent or group company.

4.5 You are required to pay the Lead Type Cost regardless of whether the Lead is converted into business. With prior agreement, Britleads may invoice for the Lead Type Cost in arrears (post payment). Post Payment invoices may be issued on a weekly, bi-weekly, or monthly basis, each with a payment due on the same day the invoice is issued. Payment must be settled before the delivery of any leads.

4.5.1 Prices may vary based on geographical areas. Each Lead provided by Britleads must only be serviced by yourself or a representative of your company or the company You work for. Selling Leads without prior knowledge and written agreement from Britleads is prohibited.

4.6 You must cooperate with Britleads in collecting feedback.

4.7 In fulfilling your obligations under this agreement in connection with Britleads, You shall act in good faith, exercise all due skill, care, and diligence expected of a professional independent advisor. Your business conduct in connection with Britleads and the scheme must comply with all applicable rules and requirements, and You should not act in a way that could harm Britleads’ reputation.

4.8 As part of the introduction of Leads, You agree to indemnify Britleads and all associated companies against any damages, claims, expenses, or other costs incurred as a result of introducing interested parties to you, whether during or after the termination of this agreement.

4.9 The intention is that the indemnity will remain in effect during any relevant limitation period, even after the termination of this agreement for any reason.


5.1 Britleads may suspend You immediately upon receiving a complaint about You.

5.2 Britleads can terminate this agreement immediately:

(i) If two or more complaints are received about You, regardless of whether the complaints are upheld or not.
(ii) If one or more serious complaints are received about You.

5.3 Either party may terminate this agreement by serving a written notice via e-mail to with a seven-day notice period or by emailing such notice to the other party.

5.4 All terminations will be confirmed by Britleads via email. You may be required to provide this Confirmation email to validate any refund requests submitted after termination. Britleads reserves the right to refuse refunds outside of its refund policy without a valid termination Confirmation email.

5.5 Britleads may terminate this agreement immediately if it is established that you no longer have the necessary Regulatory Body Authorization to perform the relevant Activity or if your bank declines payment.

5.6 Upon termination, all lead costs are payable.


6.1 If You fail to make payments for Leads as per this agreement while being owed money by Britleads or any of its associated companies at the same time, You consent to Britleads offsetting those owed amounts against the sums You owe.

6.2 Upon notifying Britleads of the termination of your agreement according to section 5 above, Britleads may continue to provide You with Leads, which You will pay for until the notice period has expired.


Britleads makes no express or implied warranties regarding any information on its websites. You agree to accept that the information is provided to Britleads’ reasonable standards and does not replace your obligation to verify all the information when providing advice to the Enquirer.


8.1 All terminations or amendments to your account must be requested in writing by email and will be acknowledged and confirmed by Britleads via email. You will need to produce the confirmation to validate any refund requests submitted after a termination or amendment request. Refunds may be refused if a valid email is not provided upon request. Requests to cancel must be made with a minimum of 7 working days’ notice.

8.2 If Britleads fails to process a request to amend account details or cancellations, You must notify Britleads within 7 working days.

8.3 Failure to provide the notification as specified in 8.2 gives Britleads the right to refuse any costs incurred during that period, and all leads will be considered chargeable.

8.4 Account amendments will not be processed outside of Britleads’ operating hours.


Britleads shall not be held liable for any breach of these terms and conditions or any failure to provide or delay in providing our services through our website due to events or circumstances beyond our control, including but not limited to system breakdowns or network access issues, fire, explosion, or accidents.


The contract between us is subject to and interpreted in accordance with English law. Any disputes between us will be resolved in the English courts.


The enforceability of any provision of these terms and conditions will not affect the enforceability of the remaining terms and conditions.


The Contracts (Rights of Third Parties) Act 1999 does not apply to this agreement, and only the parties to this agreement have rights under it. It cannot be enforced by any person other than the parties to this agreement.

All orders are subject to our Leads Refund Policy, which can be viewed by clicking here.


All payments made to Britleads Limited are strictly non-refundable.

Lead Terms and Conditions (Live Call Transfer)

1. Definitions and Interpretation

1.1. Definitions. In these Terms and Conditions, the following definitions apply:

  • API: An application program interface enabling the electronic submission of Leads to the Lead Buyer’s customer relationship management system.
  • Business Day: Any day except Saturdays, Sundays, or public holidays when London banks are open for business.
  • Conditions: The terms and conditions outlined in this document, as updated per Clause 17.6.
  • Contract: The agreement between the Supplier (Britleads Limited) and the Lead Buyer for the purchase and sale of Leads under these Conditions.
  • CRM System: A customer relationship management system.
  • Force Majeure Event: As defined in Clause 16.
  • Lead Buyer: The individual or entity purchasing Leads from the Supplier.
  • Lead Buyer Preferences: The Lead type, volume, and frequency agreed upon by the Lead Buyer or as mutually determined with the Supplier.
  • Leads: Information about individuals who express interest in acquiring Services and are provided to the Supplier.
  • Lead Rejection Policy: The policy specifying acceptable grounds for rejecting a Lead, available on the Portal.
  • Britleads Limited Website: All web pages owned, operated, or hosted by or for the Supplier, including
  • Required Information: The minimum information to be included in a Lead, per Clause 4.1.
  • Services: Refers to insurance services.
  • Supplier: Britleads Limited, a company registered in England under company number 14952095, with its registered office at 37 Station Rd, Bexhill-on-Sea TN40 1RG.
  • Supplier’s Privacy Policy: The Privacy Policy accessible on the Britleads Limited Website.

1.2 Construction. In interpreting these Terms and Conditions, the following rules apply: a) “Person” includes natural persons, corporate or unincorporated entities. b) References to statutes or statutory provisions include amendments, reenactments, and subordinate legislation under the original statute or provision. c) References to “writing” or “written” encompass emails.

2. Basis of Contract

2.1. These Terms and Conditions govern the Contract, excluding any other terms sought to be imposed or incorporated by the Lead Buyer or implied by trade, custom, practice, or course of dealing.

2.2. Upon acceptance of these Conditions and payment of the Invoice via direct bank transfer to an account specified by the Supplier, the Contract becomes effective. It constitutes the entire agreement between the parties. The Lead Buyer acknowledges not relying on any statement, promise, representation, assurance, or warranty made or given by the Supplier, except as set forth in the Contract.

3. Leads

3.1. The Lead Buyer cannot customize their Lead Buyer Preferences unless expressly agreed upon in writing with the Supplier separately from this Agreement.

3.2. The Supplier validates Leads. After validation, the Supplier provides Leads to the Lead Buyer through real-time transfer, which includes a 3-way voice call and exchange of Required Information.

3.3. Leads are supplied to the Lead Buyer via email, and upon request, the Supplier may deliver Leads to the Lead Buyer’s CRM System through an API. The Supplier makes no guarantee regarding the speed or timing of email-delivered Leads; time shall not be considered essential. The Supplier also does not warrant the success of delivering Leads to the Lead Buyer’s CRM System.

3.4. The Supplier cannot guarantee the number of Leads generated and may not always meet the Lead Buyer Preferences. The Supplier may allocate generated Leads among Lead Buyers.

4. Quality of Leads

4.1. The Supplier ensures that all Leads contain the following information (Required Information):

  • Name of the individual
  • Email address (if confirmed)
  • Valid telephone number
  • Postal address with postcode
  • Date of birth
  • Smoking status
  • Specific medical disclosures

4.2. The Supplier does not warrant the accuracy of the Required Information within the Lead but guarantees that the information matches the individual’s provided data upon collection.

4.3. The Supplier does not warrant the quality of a Lead or the outcome after the Lead Buyer’s purchase of the Lead.

5. Rejection of Leads

5.1. If the Lead Buyer wishes to reject a Lead supplied by the Supplier, they must notify the Supplier within one Business Day, stating the reason for rejection.

5.2. The Supplier will review the reason for rejection within seven days of the notification (as per Clause 5.1). The Supplier may refuse to accept the rejection if it deems that the problem is unrelated to the Lead’s quality or the service provided by the Supplier.

5.3. Rejection of a Lead will be considered only if it aligns with the reasons stated in the Lead Rejection Policy.

5.4. If the Supplier accepts the rejection, it will make an effort to replace the Lead or, at its discretion, refund the Lead Buyer for the Lead’s price via bank transfer.

5.5. Rejection of Leads and refunds will not apply if the Lead is rejected after one Business Day, if the Lead Buyer changes Lead Buyer Preferences, if the Lead changes their mind or no longer seeks the Services, or if the Lead does not use the Lead Buyer’s services.

5.6. If the Lead Buyer repeatedly provides false reasons for rejecting Leads, the Supplier may charge a £10 processing fee per rejection and suspend the Contract, with the right to terminate the Contract.

6. Price and Payment

6.1. The price for Leads is £120.00, with no VAT payable, in accordance with applicable guidance.

6.2. Payment must be made by Card, following which an invoice will be issued. Payment must be received and cleared at least one full business day before the agreed delivery start date. The Supplier does not offer credit facilities.

6.3. The Lead Buyer shall pay the invoice by direct bank transfer from a bank account in their name, or in the name of the account holder (if different), to the account specified by the Supplier, including any reference provided by the Supplier for payment identification.

6.4. If the Lead Buyer shows no activity (purchasing Leads) for twelve consecutive months, the Supplier may cancel the Contract without notice, retaining any positive account balance. In the case of a negative balance, the Lead Buyer shall pay the necessary sum to bring the balance to zero.

6.5. The Lead Buyer, when requested by the Supplier, shall provide duly certified copies of photographic identification, including address, certified by a solicitor or an accountant. In the case of a company, the Lead Buyer shall provide other certified copies of ID, including, if requested, photographic ID of shareholders and/or directors.

6.6. Leads are to be delivered within the agreed period specified on the invoice or at the time of purchase. Leads will only carry over into a new duration period if the Supplier is unable to fulfill the order within the agreed period, and attempts to deliver Leads are made but not accepted by the Lead Buyer. In such cases, voided Leads will not be refunded or replaced.

6.7. The Supplier will invoice the Lead Buyer following the request for Leads and the Supplier’s acceptance of the order. Invoices will be sent electronically to an email address specified by the Lead Buyer.

6.8. In cases where a Lead is rejected and a replacement is not provided, the Supplier will request an invoice from the Lead Buyer for the refund amount, along with bank account details for the refund. The Supplier may request evidence of the authenticity of the receiving bank account before authorizing payment. Payment should be received by the Lead Buyer no later than five working days after the Seller is satisfied with the authenticity of the bank account.

6.9. If the Lead Buyer disputes an invoice, they must contact the Supplier in writing, detailing the invoice and charge in dispute, along with the reason, within 28 days from the invoice date.

7. Conduct

7.1. The Lead Buyer agrees not to use any automated means, including agents, robots, scripts, or spiders, to access, accept, or manage Leads unless agreed upon in writing by the Supplier.

7.2. The Lead Buyer shall not disclose confidential details of their Contract with the Supplier to any third party without prior written consent from the Supplier.

7.3. The Lead Buyer is responsible for ensuring all information provided to the Supplier is complete and accurate at all times.

8. Use of Leads

8.1. The Lead Buyer is granted exclusive use of any purchased Lead for contacting the Lead concerning the Services.

8.2. The Supplier will not resell or provide the same data related to the Services to another Lead Buyer but will retain ownership of the data collected.

8.3. The Lead Buyer agrees to use the information in the Lead only for the purpose it was collected, following the Supplier’s Privacy Policy and with consent from the Lead.

8.4. Lead Buyers are prohibited from using Leads for reselling information, unsolicited bulk mail messages, or illegal telemarketing.

8.5. The Lead Buyer must use the information in accordance with applicable laws and regulations, particularly those related to consumer protection, data privacy, and financial services.

9. Regulation and Authorisation

9.1. The Lead Buyer confirms compliance with laws in their jurisdiction, allowing the use and handling of personal data contained in the Lead, including for selling Services to consumers.

9.2. The Lead Buyer must have all required licenses and consents to conduct their business.

9.3. The parties agree to comply with the General Data Protection Regulation and Privacy and Electronic Communications (EC Directive) Regulations 2003 regarding personal data.

10. Supplier and Lead

10.1. The Supplier shall not provide Services to any individual introduced to the Lead Buyer as a Lead, either before or during the licensed period of the Lead.

10.2. The Lead Buyer acknowledges that all Services provided to such individuals are their responsibility, and they must not suggest that any claim against misselling or poor services be addressed to the Supplier.

11. Call Recording

11.1. During Protection Live Call Transfer Leads, the Supplier will record the 3-way conversation between the Supplier, Lead Buyer, and the Lead until the Supplier exits the conversation. The recording will be retained by the Supplier for up to ten years.

11.2. The Lead Buyer is responsible for ensuring that their staff members are aware of the recording, and a copy will be retained as per Clause 11.1.

12. Confidentiality

12.1. Both parties agree not to disclose any confidential information about the other party’s business, customers, or suppliers, except as permitted by Clause 12.3.

12.2. Clause 12.1 does not apply to Confidential Information that: a) Becomes publicly available. b) Was already available to the receiving party on a non-confidential basis. c) Becomes available from a third party not under an obligation to keep it confidential. d) Is agreed in writing to be non-confidential.

12.3. Confidential Information may be disclosed to Representatives who need to know it for the Contract’s purposes, or as required by law or a court.

13. Term and Termination

13.1. The Contract is in effect until terminated per this clause.

13.2. Either party may terminate the Contract with seven days’ written notice.

13.3. The Supplier may terminate the Contract immediately if:

  • The Lead Buyer materially or persistently breaches these Conditions.
  • The Supplier is entitled to terminate the Contract under Clause 5.6.
  • The Lead Buyer has no transactions in a consecutive 90-day period.

13.4. The Supplier may suspend the Lead Buyer’s contract and Lead usage pending termination or remedy of any breach.

13.5. Upon termination, the Lead Buyer shall immediately pay any outstanding unpaid invoices.

13.6. If the Lead Buyer’s Account is in credit upon termination, the Supplier shall return the credited amount, subject to a 10% refund fee. Amounts less than £25.00 will not be returned.

13.7. Termination of the Contract ends the Supplier’s obligation to supply Leads to the Lead Buyer.

13.8. Termination does not affect accrued rights, remedies, or liabilities.

14. Limitation of Liability

14.1. Except for liability related to death, personal injury, fraud, or fraudulent misrepresentation, the Supplier’s liability is limited as follows:

  • The Supplier is not liable for loss of profit or indirect or consequential loss.
  • The Supplier’s total liability per single claim in the preceding 12 months is the greater of 1.25 times the amount paid by the Lead Buyer for Leads or £3,000.
  • The Supplier’s cumulative liability within any 12-month period is limited to the greater of 1.25 times the amount paid by the Lead Buyer for Leads or £3,000.

15. Indemnity

15.1. The Lead Buyer shall indemnify the Supplier against all liabilities, costs, expenses, damages, and losses incurred due to: a) A breach of the Contract by the Lead Buyer. b) Any claim by an individual introduced as a Lead regarding Services provided in the 14 days before the introduction and any related investigation by a regulatory body.

15.2. This indemnity applies regardless of the Lead Buyer’s negligence or fault.

16. Force Majeure

Neither party is liable for any failure or delay in fulfilling obligations under the Contract due to a Force Majeure Event. A Force Majeure Event refers to uncontrollable events, including strikes, natural disasters, terrorism, or governmental interference.

17. General

17.1. Assignment and Transfer of Rights
The Supplier is authorized to assign, transfer, or otherwise deal with all or any of its rights under the Contract at any time. The Lead Buyer may not assign, transfer, or deal with any or all of its rights or obligations under the Contract without obtaining prior written consent from the Supplier.

17.2. Notices
Any notice or communication to be provided to a party under or related to the Contract must be in written form and addressed to that party at its registered office (if it is a company) or its principal place of business (in any other case). The notice may also be addressed to another address previously specified in writing by that party according to this clause. Notices can be delivered in person, sent via pre-paid first class post or another next working day delivery service, delivered by a commercial courier, or sent by email to the recipient’s regularly used email address for Contract-related purposes.

A notice or communication shall be deemed as received:

  • If delivered in person, when it is left at the address mentioned in clause 17.2(a).
  • If sent by pre-paid first class post or another next working day delivery service, at 9:00 am on the second Business Day following the posting date.
  • If delivered by a commercial courier, on the date and time specified on the courier’s delivery receipt.
  • If sent by email, one Business Day after it is transmitted. This clause’s provisions do not apply to the service of legal proceedings or other documents in any legal action.

17.3. Severance
Should any provision or part-provision of the Contract become invalid, illegal, or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable. If such modification is not feasible, the relevant provision or part-provision will be considered deleted. Any alteration or removal of a provision or part-provision under this clause shall not affect the Contract’s overall validity and enforceability.

17.4. Waiver
A waiver of any right or remedy under the Contract or the law is only valid if provided in writing and does not constitute a waiver of any subsequent breach or default. Failure or delay by a party to exercise any right or remedy granted under the Contract or the law will not be seen as a waiver of that right or remedy, nor will it impede or limit the party’s ability to exercise such rights or remedies in the future. No partial exercise of a right or remedy shall restrict the further exercise of that right or remedy.

17.5. Third-Party Rights
Persons who are not party to the Contract do not possess any rights to enforce its terms.

17.6. Variation
Except as explicitly set forth in these Conditions, no modification of the Contract, including the introduction of additional terms and conditions, will be effective unless it is in written form and signed by the Supplier.

17.7. Governing Law
The Contract, along with any disputes or claims arising out of or related to it, its subject matter, or formation (including non-contractual disputes or claims), shall be governed by and interpreted in accordance with the laws of England.

17.8. Jurisdiction
Both parties agree irrevocably that the courts of England shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this contract, its subject matter, or formation (including non-contractual disputes or claims).

This Agreement governs the trade of Leads between Britleads Limited and the Buyer. By applying to purchase Leads through Britleads Limited, the Buyer agrees to adhere to the terms and conditions outlined in this Agreement. This Agreement shall remain in force until terminated in accordance with the provisions of Clause 13. It supersedes all prior agreements and understandings, whether written or oral, between Britleads Limited and the Buyer.