Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of the Stealth Digital website (the "Site") and all related services, content, and lead generation products (collectively, the "Services") provided by Stealth Digital ("we," "us," or "our"). By accessing or using the Site or Services, you agree to be bound by these Terms. If you do not agree, do not use the Site or Services.

1. Eligibility

You must be at least 18 years of age and have the legal authority to enter into a binding agreement to use our Services. By using the Site, you represent and warrant that you meet these requirements.

2. Services Overview

Stealth Digital provides performance marketing and lead generation services across Insurance, Legal, and Finance verticals. Our offerings include Pay Per Lead, Pay Per Call, and traffic delivery to operator-owned funnels. Specific scope, pricing, volume commitments, qualification criteria, and delivery terms are governed by separate written agreements ("Insertion Orders" or "IOs") executed between Stealth Digital and each client.

3. Account & Application

To engage our Services, you may be required to submit an application and provide accurate, complete, and current information about your business. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. Stealth Digital reserves the right to decline, suspend, or terminate any application or engagement at our sole discretion.

4. Lead Quality, Returns & Credits

We use commercially reasonable efforts to deliver leads that meet the qualification criteria specified in the applicable Insertion Order. Leads are provided on an "as is" basis. Return and credit policies — including the eligible return window, valid return reasons, and credit issuance procedures — are defined in the applicable Insertion Order.

Stealth Digital does not guarantee any specific conversion rate, contact rate, sale, or revenue outcome. Performance varies based on factors outside our control, including your sales process, contact speed, and offer competitiveness.

5. Payment Terms

Payment terms, including pricing, invoicing cadence, payment methods, and net terms, are specified in each Insertion Order. Late payments may incur interest at the lesser of 1.5% per month or the maximum rate permitted by law. Stealth Digital may pause or terminate delivery for any account with overdue balances. All fees are non-refundable except as expressly provided in the Insertion Order.

6. Compliance Obligations

You agree to comply with all applicable laws and regulations in connection with your use of leads and Services, including but not limited to:

• The Telephone Consumer Protection Act (TCPA) and related state laws;
• The CAN-SPAM Act;
• Federal Trade Commission (FTC) rules and guidance;
• State and federal Do Not Call (DNC) registries;
• The California Consumer Privacy Act (CCPA/CPRA) and other applicable state privacy laws;
• The General Data Protection Regulation (GDPR), where applicable;
• Industry-specific regulations (HIPAA, GLBA, FCRA, state insurance regulations, state bar advertising rules, etc.).

You are solely responsible for your contact practices, scripts, disclosures, and consent handling. Stealth Digital is not liable for your independent compliance failures.

7. Acceptable Use

You agree NOT to:

• Resell, redistribute, syndicate, or share leads with any third party without written consent;
• Use leads for any purpose other than the specific vertical and offer disclosed at the point of collection;
• Use the Services for any unlawful, fraudulent, deceptive, or harmful activity;
• Reverse engineer, scrape, or attempt to extract source code from the Site;
• Interfere with or disrupt the Site, Services, or supporting infrastructure;
• Misrepresent your identity, affiliation, or qualifications.

8. Intellectual Property

All content on the Site, including text, graphics, logos, trademarks, software, and the underlying technology, is the property of Stealth Digital or its licensors and is protected by U.S. and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for its intended purpose. No other rights are granted by implication or otherwise.

9. Confidentiality

Both parties may have access to confidential information of the other in the course of the business relationship. Each party agrees to protect the other's confidential information using the same degree of care it uses to protect its own confidential information, and in no event less than a reasonable degree of care. Confidentiality obligations survive termination.

10. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. STEALTH DIGITAL DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY SPECIFIC LEAD VOLUME, QUALITY, OR REVENUE OUTCOME WILL BE ACHIEVED.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STEALTH DIGITAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. STEALTH DIGITAL'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNTS PAID BY YOU TO STEALTH DIGITAL IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

12. Indemnification

You agree to defend, indemnify, and hold harmless Stealth Digital, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your breach of these Terms or any Insertion Order; (c) your violation of any law or third-party right, including TCPA, DNC, or privacy violations; or (d) your contact, marketing, or sales practices.

13. Termination

Either party may terminate the business relationship in accordance with the termination terms in the applicable Insertion Order. Stealth Digital may suspend or terminate your access to the Site or Services immediately, without notice, if we believe you have violated these Terms or applicable law. Sections that by their nature should survive termination (including IP, confidentiality, indemnification, limitation of liability, and dispute resolution) will survive.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms shall be resolved exclusively through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, conducted in Oklahoma City, Oklahoma. Each party waives any right to a jury trial or to participate in a class action.

15. Changes to These Terms

We may modify these Terms at any time by posting the updated version on the Site. Continued use of the Site or Services after changes are posted constitutes acceptance of the revised Terms. Material changes affecting an active engagement will be communicated directly where reasonably possible.

16. Miscellaneous

These Terms, together with any Insertion Order and our Privacy Policy, constitute the entire agreement between you and Stealth Digital. If any provision is found unenforceable, the remaining provisions remain in full force and effect. Our failure to enforce any right or provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign freely.

17. Contact Us

For questions about these Terms, contact: