Effective date: September 3, 2026
These Terms and Conditions (“Terms”) govern your use of truckinsuranceprospects.com and the commercial trucking insurance lead services offered by NIKOLOV AGENCY, LLC under the Truck Insurance Prospects brand (“Truck Insurance Prospects,” “we,” “us,” or “our”). By using the website, submitting a request, purchasing services, or accepting an order, you agree to these Terms.
1. BUSINESS SERVICE AND ELIGIBILITY
Our services are intended for insurance agencies, licensed insurance professionals, and other businesses legally authorized to market or provide commercial insurance products. You represent that you have authority to act for your business and that your use of our services will comply with all licensing, advertising, privacy, telemarketing, and insurance laws that apply to you.
2. LEAD SERVICES
We may provide contact information and related details concerning businesses or individuals that have expressed interest in commercial trucking insurance or related services. Available filters may include state, truck type, operation type, fleet size, and other criteria.
Lead availability, delivery timing, volume, exclusivity, replacement eligibility, and pricing may vary. The specific terms of an order, insertion order, subscription, invoice, or other written agreement control if they conflict with these general Terms.
3. NO GUARANTEES
We do not guarantee any particular lead volume, contact rate, accuracy, eligibility, insurance placement, premium, sale, conversion rate, revenue, or business result. A lead represents an opportunity to contact a prospect, not a guaranteed customer. Lead information may be incomplete, outdated, duplicated, or inaccurate despite reasonable quality-control efforts.
4. YOUR RESPONSIBILITIES
You are responsible for:
• Maintaining all licenses, appointments, authorizations, and disclosures required for your activities.
• Contacting leads only for lawful commercial insurance purposes and honoring consumer preferences and opt-out requests.
• Complying with the Telephone Consumer Protection Act, CAN-SPAM Act, state telemarketing and privacy laws, do-not-call requirements, and carrier or platform rules.
• Securing, limiting access to, and lawfully retaining or deleting lead information.
• Training and supervising employees, contractors, dialers, vendors, and other users acting for you.
• Verifying prospect information and determining suitability before offering insurance or other services.
You may not resell, publish, scrape, misuse, or disclose lead information except as expressly authorized in writing.
5. COMMUNICATION CONSENT
When you provide contact information and opt in, you authorize us to contact you about your request, account, services, and offers by email, telephone, or text message as described in the consent presented at collection. Message frequency varies. Message and data rates may apply. Consent to marketing messages is not a condition of purchase. Reply STOP to opt out of texts or HELP for help.
6. ORDERS, FEES, AND PAYMENT
Pricing, billing frequency, lead quantities, credits, replacements, cancellations, and refund terms will be disclosed in the applicable order, invoice, checkout, or written agreement. You agree to provide accurate billing information and pay all authorized charges when due. Unless an applicable written agreement states otherwise, fees for leads already delivered are nonrefundable.
7. INTELLECTUAL PROPERTY
The website, branding, copy, graphics, software, and other materials provided by us are owned by or licensed to NIKOLOV AGENCY, LLC and are protected by applicable intellectual-property laws. We grant you a limited, revocable, nontransferable right to use the website and purchased lead data only for the permitted business purpose.
8. THIRD-PARTY SERVICES
Our website and services may rely on third-party platforms, communications providers, payment processors, data sources, and links. We are not responsible for third-party availability, content, policies, or acts. Your use of third-party services may be governed by additional terms.
9. DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
10. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NIKOLOV AGENCY, LLC AND ITS OWNERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR LOST BUSINESS OPPORTUNITIES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING FROM OR RELATING TO THE WEBSITE OR SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID US FOR THE AFFECTED SERVICES DURING THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.
11. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless NIKOLOV AGENCY, LLC and its owners, employees, contractors, and affiliates from claims, damages, losses, liabilities, penalties, and reasonable legal fees arising from your misuse of the website or lead data, your communications with prospects, your products or services, or your violation of these Terms or applicable law.
12. SUSPENSION AND TERMINATION
We may limit, suspend, or terminate access to the website or services for nonpayment, suspected fraud, security risk, misuse of lead data, legal or regulatory concerns, or violation of these Terms. Provisions that by their nature should survive termination will remain effective.
13. GOVERNING LAW AND VENUE
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law rules. Any court proceeding arising from these Terms or the services must be brought in the state or federal courts serving Bulloch County, Georgia, and each party consents to their jurisdiction and venue.
14. CHANGES
We may update these Terms periodically by posting a revised version and changing the effective date. Changes apply prospectively. Your continued use of the website or services after an update constitutes acceptance of the revised Terms.
15. GENERAL
These Terms and any applicable written order constitute the agreement between you and us regarding the services described. If a provision is unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign your rights or obligations without our written consent; we may assign ours in connection with a business transfer or reorganization.
16. CONTACT US
NIKOLOV AGENCY, LLC
Truck Insurance Prospects
22 S MAIN ST, SUITE 103
Statesboro, GA 30458
Email: [email protected]
Phone: (912) 596-3667