Terms of Service

Last updated: July 2026 · v2026-07 (affiliate program, liability, release, dispute-resolution & government non-affiliation update)

These Terms of Service ("Terms") govern your access to and use of the Generation Next Leads website and services (the "Service"), which is operated by Generation Next Financial / Generation Next Leads and its brands, including Legacy Life Coverage. By creating an account or purchasing leads, you agree to these Terms as a buyer. If you are a consumer who submits a form, requests a quote, enters your information, or clicks "Submit" (or similar) on any advertisement, landing page, or form we operate, you agree to the consumer terms and consents set out in the "For Consumers" section below.

Who we are — our business, brands, and advertising accounts

The Service, our website, our advertisements, our advertising accounts and business accounts on Meta/Facebook, Instagram, and any other platform, our landing pages and lead forms, our text-messaging and calling programs, and all of our lead-generation and lead-sales activities are owned, operated, and controlled by Generation Next Financial. Generation Next Leads and Legacy Life Coverage are trade names, brands, and doing-business-as ("DBA") names that are wholly owned and operated by Generation Next Financial. Legacy Life Coverage is a marketing and advertising brand of Generation Next Financial used to run advertisements and generate consumer inquiries; any advertising account, business manager, Facebook or Instagram page, lead form, website, phone number, or messaging program operated under the name Legacy Life Coverage is owned and operated by, and on behalf of, Generation Next Financial.

In these Terms and in our Privacy Policy, the words "we," "us," "our," and "GNL" mean Generation Next Financial together with all of its brands, trade names, and DBAs, including Generation Next Leads and Legacy Life Coverage. These Terms of Service and our Privacy Policy apply in full, and identically, to Generation Next Financial, Generation Next Leads, and Legacy Life Coverage — and to any other brand or trade name we may use — regardless of which name appears on the advertisement, form, website, message, or other communication through which you interact with us. Your agreement to these Terms is an agreement with Generation Next Financial and each of its brands, and any consent you give under one name applies to all of them. A difference in brand or trade name does not create any separate, different, or additional set of terms, does not create a separate company or contracting party, and does not limit or change any obligation, consent, right, or remedy under these Terms or our Privacy Policy. You agree not to assert that any brand or trade name is a distinct entity for the purpose of avoiding these Terms.

Advertising disclaimer — we are NOT the government, the VA, or any government agency

Please read this important disclaimer. Generation Next Financial and its brands, trade names, and DBAs — including Generation Next Leads and Legacy Life Coverage — and all of our advertisements, lead forms, landing pages, websites, calls, texts, and other communications, make the following disclosures, which control over anything in any advertisement that could be read to the contrary:

We are NOT the Veterans Administration or the U.S. Department of Veterans Affairs (the "VA"), and we do not claim to be. We are not affiliated with, connected to, endorsed by, sponsored by, authorized by, approved by, or acting on behalf of the VA in any way.

We are NOT the United States government or any federal agency, department, bureau, or program, and we are NOT federal employees, officers, officials, agents, or representatives — and we do not claim to be. We are not affiliated with, connected to, endorsed by, sponsored by, or acting on behalf of the U.S. government or any of its agencies or programs, including without limitation the Department of Veterans Affairs, the Department of Defense (DoD), the Social Security Administration (SSA), Medicare, TRICARE, or the Servicemembers' / Veterans' Group Life Insurance programs (SGLI/VGLI).

We are NOT a state government, any state or local agency, or state or local employees, officers, or officials, and we do not claim to be. We are not affiliated with, connected to, endorsed by, sponsored by, or acting on behalf of any state or local government, agency, or program.

We do not offer, administer, process, or provide any government benefit, government insurance, or government program of any kind. We are a private, for-profit insurance lead-generation and marketing company. Any insurance referenced or offered is private insurance issued by third-party insurance companies — it is not a government product — and all eligibility, coverage, rates, and benefits are determined solely by those private insurers.

No government affiliation is implied by our marketing. Our advertisements and materials may reference military service, veterans, or a person's veteran status, and may use patriotic words, names, colors, symbols, flags, eagles, stars, shields, seals, or similar imagery, solely to identify the audience we serve and for ordinary marketing purposes. Such references and imagery do not, and are not intended to, state, suggest, or imply any affiliation with, endorsement or sponsorship by, or connection to the VA, the U.S. government, the U.S. military, any state, or any government agency, official, or program. If any advertisement, image, brand name, or wording could be interpreted to suggest a governmental connection, any such interpretation is expressly disclaimed, and this Section governs and controls.

For Consumers: Lead Generation, Consent to Contact, and Sale & Transfer of Your Information

Please read this section carefully before submitting your information — it affects your legal rights. This section applies to you if you are a consumer who submits a lead form, requests a quote, enters your information, or clicks "Submit" (or similar) on any advertisement, landing page, or form operated by Generation Next Financial, Generation Next Leads, or any of our brands, including Legacy Life Coverage (collectively, "we," "us," or "GNL"). By doing so, you agree to these Terms, our Privacy Policy, and each of the consents below. In particular, you understand and expressly agree that the information you provide on our lead forms — including your name, phone number, email address, and every answer you submit — will be sold, shared, transferred, and/or licensed to one or more third-party licensed insurance agents and agencies, who will use that information to contact you about insurance.

We are a lead generation company. We are not an insurance company, an insurance agent, or a government agency. We generate consumer inquiries for life insurance and related products and then sell, transfer, license, and share those inquiries — including all information you provide — to one or more third parties, such as licensed insurance agents, agencies, brokers, insurers, and our marketing partners (collectively, "Agents"), so that they may contact you about life insurance and related products and services. You expressly authorize us to sell, transfer, and share your information with these Agents for this purpose.

The information you give us. The information we collect, and that we may sell, transfer, and share, includes the information you enter on the form and the answers you provide — for example your name, phone number, email address, ZIP code or state, age or date of birth, military branch or veteran status, coverage goals, beneficiary, and any other details you submit — together with technical information such as your IP address and the advertisement or form you responded to. You represent that all information you provide is true, accurate, and your own; that you are at least 18 years old; and that you are the regular user and subscriber of the phone number you provide.

Consent to be contacted (TCPA). By submitting your information, you give your prior express written consent for GNL and one or more Agents to contact you at the phone number and email address you provide — including at a wireless/cell number — regarding life insurance and related products and services, by live agent, automatic telephone dialing system (autodialer), artificial or prerecorded voice, text message (SMS/MMS), ringless voicemail, and email, even if your number is listed on any federal or state Do-Not-Call registry or any internal do-not-call list. You understand that your consent is not required as a condition of purchasing any goods or services, and that you may instead call us to request a quote. Message frequency may vary and message and data rates may apply. You may opt out of text messages at any time by replying STOP, and reply HELP for help.

Automated and AI virtual-assistant text messaging (you are agreeing to this). Separately and in addition to the above, you expressly consent to receive automated text messages (SMS/MMS), including messages sent, generated, and answered by an automated system and by an artificial-intelligence (AI) "virtual assistant" or chatbot, from GNL and/or the licensed insurance Agent(s) connected to you, at the mobile number you provided, regarding life insurance and related products and services. You understand and agree that: (i) these messages may be created, sent, and replied to automatically by software and AI, without any human involved, and that you may be communicating with an automated AI assistant rather than a live person; (ii) the messages may include a series of recurring, follow-up, appointment, informational, promotional, and marketing texts over time; (iii) the AI assistant may automatically read and respond to messages you send it; and (iv) consent to receive these automated and AI-generated text messages is not a condition of purchasing anything. Message frequency varies and message and data rates may apply. You may reply STOP at any time to opt out of these messages, or HELP for help. You confirm you are the subscriber or customary user of the mobile number provided and are authorized to give this consent for that number.

Sale, resale, and multiple contacts. You understand and agree that your information may be sold or transferred to more than one Agent, that more than one Agent may contact you, and that your information may be resold or redistributed over time — including as an "aged" lead — and used by Agents to contact you on an ongoing basis, subject to your right to opt out. We do not control, and are not responsible or liable for, what any Agent says or does, how any Agent contacts you, or how any Agent uses your information after it is transferred to them; each Agent is an independent third party solely responsible for its own communications, conduct, and compliance with applicable law. Any complaint about what an Agent said or did is between you and that Agent, and we take no responsibility for it.

Your text-messaging opt-in is protected. Consistent with our Privacy Policy, the mobile opt-in and SMS/text-messaging consent you provide are used only to deliver the messaging you agreed to and are not sold, rented, or shared with any third parties or affiliates for their own marketing or promotional purposes. The licensed insurance Agents who receive your inquiry are the parties you are asking to be connected with about the insurance you requested, and providing your inquiry to them is the service you signed up for — not the sharing of your text-messaging opt-in data with unrelated marketers.

Verification. Where a one-time passcode (OTP) or similar verification is used, you consent to receive a verification code by text message or phone call and you confirm that the phone number you entered is yours.

Withdrawing consent / opting out. You may withdraw your consent or ask us or an Agent to stop contacting you at any time by replying STOP to any text, following the opt-out instructions in any message, or emailing us at the address in the Contact section below. Withdrawing consent does not affect the lawfulness of any contact made before your request is processed, and does not require us to delete information already transferred to an Agent, except as required by law.

No government or VA affiliation. GNL and its brands, including Legacy Life Coverage, are not the Veterans Administration / U.S. Department of Veterans Affairs (VA), not the U.S. government or any federal agency or program, not federal or state employees or officials, and are not affiliated with, endorsed by, or acting on behalf of any of them, and do not claim to be — see the full "Advertising disclaimer — we are NOT the government, the VA, or any government agency" section above, which applies to every advertisement, form, and communication. Any life insurance offered is private insurance provided by third-party insurers; eligibility, coverage, and pricing are determined solely by those insurers. Submitting a form does not create any insurance policy and does not guarantee coverage.

If you do not agree to these consumer terms, please do not submit your information.

1. Eligibility

The Service is intended for licensed insurance agents and agencies purchasing life-insurance leads for their own lawful business use. You represent that you hold any licenses required to contact and solicit the consumers whose leads you purchase, and that you will comply with all applicable laws, including the Telephone Consumer Protection Act (TCPA), state Do-Not-Call rules, and all Meta/Facebook advertising and data policies.

1a. Consent to communications and marketing

By creating a buyer account, you agree to receive communications from Generation Next Financial and Generation Next Leads at the phone number and email address you provide — including account, transactional, service, and marketing and promotional messages — by text message (SMS/MMS), phone call, and email, including via automated means. Message frequency varies, and message and data rates may apply. You may opt out of marketing text messages at any time by replying STOP, and unsubscribe from marketing emails using the link in any email; this will not affect essential account or transactional messages needed to operate your account. This consent is part of your agreement to these Terms.

2. Leads and delivery

Fresh leads are delivered in real time as they are generated, distributed to buyers on a rotating (round-robin) basis matched to the lead type and the states each buyer has selected. You purchase a set quantity and receive leads until that quantity is filled. Aged leads are sold separately, first-come first-served, and delivered upon purchase. We do not guarantee any specific volume, timing, contactability, conversion, or outcome from any lead.

3. Pricing and payment

Prices are shown on the Service and charged in full at checkout through our payment processor. You authorize us to charge your selected payment method for all purchases you make. All prices — including lead prices and the AI Assistant subscription price — are subject to change at any time and may differ between accounts. Price changes do not affect purchases already completed, and for subscriptions take effect on your next billing cycle.

4. No refunds; all sales final

All purchases are final and non-refundable — this includes every lead purchase and every AI Assistant subscription charge. Because leads are verified at the time of submission (including OTP verification where applicable) and are delivered as digital data, and because subscription services are made available immediately, we do not offer refunds, credits, or proration for any reason. Any replacement policy we may offer for leads is provided at our sole discretion and does not entitle you to a refund.

5. Chargebacks, disputes, and recovery of damages

By creating a buyer account and by making any purchase, you expressly agree that if you initiate a chargeback, reversal, or payment dispute for any charge made by Generation Next Financial or Generation Next Leads, and that charge is valid under these Terms, you will be liable to us for, and agree to pay: (a) repayment of the full disputed amount; (b) liquidated damages of between $1,000 and $10,000 per disputed transaction, depending on the severity and circumstances of the dispute; (c) all of our reasonable attorneys' fees and legal costs incurred in responding to the dispute or recovering amounts owed; and (d) all other costs of collection, including collection-agency fees and court costs. You acknowledge and agree that these liquidated damages are a reasonable estimate of the harm caused by a wrongful dispute — including processor penalties, administrative burden, and reputational harm — and are not a penalty. You agree to contact us to resolve any billing concern before initiating any dispute with your bank or card issuer.

5a. AI Assistant subscription

The AI Assistant is an optional add-on billed as a recurring monthly subscription. You may cancel at any time; however, cancellation takes effect immediately — your access to the AI Assistant is locked at once, all automated messaging stops, and no refund or proration is given for the remainder of the billing period. Subscription charges are final and non-refundable as described in Section 4. The monthly subscription price is subject to change and may differ between partner and non-partner accounts; any change takes effect on your next billing cycle, and continued use after a change constitutes acceptance of the new price. You are responsible for all use of the AI Assistant on your account and for ensuring your use complies with the Telephone Consumer Protection Act (TCPA), CTIA guidelines, carrier requirements, and all applicable law.

6. Acceptable use of lead data

You will use lead data only to contact the consumer regarding life insurance products and services for which they inquired, in compliance with law. You will not resell, redistribute, or transfer lead data to any third party, and you will honor any consumer opt-out or do-not-contact request. You are solely responsible for your communications with consumers.

6a. Independent buyers/agents; no responsibility for what they say or do

Buyers, and any licensed insurance agents or agencies that purchase, receive, or are otherwise provided lead data from us (each a "Buyer/Agent"), are independent third parties. They are not our employees, agents, representatives, partners, joint venturers, or franchisees, and we do not control, direct, supervise, script, train, or monitor what they say or do. We are a lead-generation and data company only.

We are not responsible or liable, in any way, for any statement, representation, misrepresentation, claim, promise, quote, advice, solicitation, script, act, omission, or conduct of any Buyer/Agent — including anything false, misleading, deceptive, exaggerated, unlawful, non-compliant, unlicensed, harassing, offensive, or otherwise improper — made to or with any consumer, lead, or other person, whether before, during, or after any contact, and whether or not the consumer or lead was provided by us.

Any complaint, dispute, report, demand, injury, penalty, or claim by any consumer, lead, or regulator arising out of or relating to what a Buyer/Agent said, did, or failed to do is solely between that consumer and that Buyer/Agent. The Buyer/Agent is solely responsible for it, and we assume no responsibility and have no liability for it whatsoever. Each Buyer/Agent is solely responsible for its own communications and conduct and for complying with all applicable laws — including the Telephone Consumer Protection Act (TCPA), state Do-Not-Call, telemarketing, and telephone-solicitation laws, insurance licensing, suitability, and advertising rules, and all consumer-protection laws — for every call, text, email, and statement it makes.

You (as a Buyer/Agent) agree to indemnify, defend, and hold us harmless from and against any and all claims, complaints, investigations, actions, penalties, fines, damages, losses, and costs (including reasonable attorneys' fees) arising out of or relating to your communications with, or conduct toward, any consumer, lead, or other person, or your violation of any law — even if the consumer or lead was provided to you by us. This obligation survives termination.

7. Marking sales

You may mark a lead as sold within your dashboard. Doing so removes that lead from future resale. Leads you do not mark sold may be resold as aged leads after the applicable period.

8. Disclaimer of warranties

The Service and all leads are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that leads will be accurate, current, responsive, or result in any sale.

9. Limitation of liability

To the maximum extent permitted by law, Generation Next Financial and its brands, owners, members, managers, officers, employees, contractors, and agents will not be liable to you or anyone else for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost or withheld profits, revenue, income, business, data, opportunity, affiliate credits, or affiliate payouts, arising out of or relating to the Service, any lead, the Affiliate Program, or these Terms — even if we have been advised of the possibility of such damages, and regardless of the theory of liability. To the maximum extent permitted by law, our total aggregate liability for any and all claims will not exceed the total amount you actually paid us, if any, for the specific transaction giving rise to the claim, and in no event more than one hundred U.S. dollars ($100.00). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you; in that case our liability is limited to the smallest amount permitted by law.

10. Indemnification

You agree to indemnify and hold Generation Next Leads harmless from any claims, damages, or costs (including reasonable attorneys' fees) arising from your use of the Service, your communications with consumers, or your violation of these Terms or applicable law.

11. Termination

We may suspend or terminate your account at any time for violation of these Terms or misuse of the Service.

12. Changes; sole discretion; re-acceptance

We may change these Terms, our Privacy Policy, the Service, our pricing, and any program, feature, benefit, code, credit, rate, or percentage we offer — including the Affiliate Program — at any time, in our sole and absolute discretion, for any reason or no reason, with or without notice. We may require you to review and re-accept the then-current Terms and Privacy Policy each time you log in or access your account, and your continued access to the Service is conditioned on that acceptance. Your continued access or use of the Service after any change constitutes your acceptance of the updated Terms and Privacy Policy. If you do not agree to any change, your sole remedy is to stop using the Service.

13. Text messaging (SMS) & AI virtual assistant

If the text-messaging assistant is enabled on your account, an automated and artificial-intelligence (AI) "virtual assistant" may send, generate, and automatically reply to text messages to and from consumer leads on your behalf. Such messages are sent to consumer leads only after those consumers have opted in and consented — including to automated and AI-generated messages — to be contacted by text regarding the products they inquired about. Message frequency varies, and message and data rates may apply. Consumers may reply STOP to unsubscribe at any time, or HELP for help. You are responsible for all messaging sent from or on behalf of your account, including by the AI assistant, and you agree to use the messaging feature only in compliance with the Telephone Consumer Protection Act (TCPA), CTIA messaging guidelines, mobile carrier requirements, and all applicable law, and to honor every opt-out request. We are not responsible or liable for the content of, or any consequence arising from, messages sent from or on behalf of your account.

14. Affiliate Program

Participation in our affiliate, referral, or discount-code program (the "Affiliate Program") is a revocable privilege granted entirely at our sole and absolute discretion — it is not a right. By applying for, being approved for, or participating in the Affiliate Program, you agree to the following, in addition to all other Terms:

(a) Everything about the program is discretionary and may change at any time. We may create, modify, reduce, increase, pause, suspend, discontinue, or end the Affiliate Program, in whole or in part, at any time, for any reason or no reason, with or without notice. Without limiting this, we may change at any time, in our sole discretion, the dollar amount or percentage that any affiliate or discount code provides; the rate at which affiliate credits are earned; the value of affiliate credits (toward leads and when cashed out); the cash-out rate, minimums, methods, timing, and eligibility; and any other feature of the program. Any change may apply to credits or balances already accrued.

(b) Credits have no vested or guaranteed value and are not money. Affiliate credits are a promotional store-credit mechanism only. They are not cash, currency, legal tender, securities, wages, a deposit, a bank or stored-value account, or your property; they bear no interest, and they have no cash value except if, and only to the extent, we choose in our sole discretion to honor a cash-out. You have no vested, guaranteed, accrued, or property right in any credit, balance, discount, payout, or expected earning, and we may adjust, reduce, freeze, void, or zero out any credit balance at any time.

(c) We may remove you and withhold or refuse payment for any reason, with no liability. We may suspend, revoke, or terminate your affiliate status, your code, your credit balance, and your ability to earn or redeem at any time, for any reason or no reason, with or without notice. If we do, you forfeit any and all accrued credits, pending payouts, and expected earnings, and we have no obligation to pay you anything. You expressly agree that we may decline, delay, cancel, reverse, or refuse any payout for any reason or no reason, and that no unpaid, withheld, forfeited, reversed, or refused credit or payout — for any reason whatsoever, including our own choice not to pay — creates any debt, obligation, wage, account, or liability owed to you, and gives you no claim of any kind against us.

(d) No guarantee of earnings. We do not guarantee any earnings, credits, payouts, income, or results from the Affiliate Program. Any figures or examples are illustrative only and are not a promise.

(e) Independent contractor; taxes. You are an independent contractor, not an employee, partner, agent, joint venturer, or franchisee of ours, and nothing in the Affiliate Program creates any such relationship. You are solely responsible for all taxes on any amount you receive. You agree to provide a completed IRS Form W-9 (or other applicable tax form) before we have any obligation to pay you, and we may withhold any payout until you do. We may issue an IRS Form 1099 or other tax reporting as required by law.

(f) No gaming, fraud, or self-dealing. You will not use your own code on your own or any account you control, create fake, duplicate, or straw accounts or orders, or otherwise manipulate or abuse the program. We may reverse credits, refuse payouts, and terminate you for any suspected abuse, as determined by us in our sole discretion.

(g) Release and waiver of all Affiliate Program claims. To the fullest extent permitted by law, you irrevocably waive, release, and forever discharge Generation Next Financial and its brands, owners, members, managers, officers, employees, contractors, and agents from, and agree that they will not be liable for, any claim, demand, loss, damage, cost, or expense of any kind — including any lost, withheld, forfeited, reversed, or refused credits or payouts, lost income, lost profits, lost business, or lost opportunity, and any direct, indirect, incidental, consequential, special, exemplary, or punitive damages — arising out of or relating to the Affiliate Program, including our changing, reducing, withholding, forfeiting, reversing, refusing, or ending any credit, payout, code, rate, or percentage, our removal of you from the program, or any decision by us not to pay you for any reason or no reason. You participate in the Affiliate Program entirely at your own risk. This waiver and release is a material part of the consideration for allowing you to participate, and it survives termination.

15. Release, waiver & assumption of risk

To the fullest extent permitted by law, you release and forever discharge Generation Next Financial and its brands, owners, members, managers, officers, employees, contractors, and agents from any and all claims, demands, damages, liabilities, and causes of action, whether known or unknown, arising out of or relating to the Service, any lead, the Affiliate Program, or these Terms. You knowingly and voluntarily assume all risk associated with your use of the Service and your participation in any program we offer. If you are a California resident, you expressly waive California Civil Code §1542 and any similar law in any jurisdiction, which would otherwise limit a release to claims you know or suspect to exist.

16. Binding arbitration; class-action & jury-trial waiver

Please read this section carefully — it affects how disputes are resolved and limits your rights. Any dispute, claim, or controversy arising out of or relating to these Terms, the Service, the Affiliate Program, any credit or payout, or your relationship with us will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, rather than in court, except that either party may bring qualifying claims in small-claims court. You and we each waive any right to a trial by jury and any right to bring or participate in a class, collective, consolidated, mass, or representative action; all disputes will be brought and resolved only in an individual capacity. These Terms and any dispute are governed by the laws of the State of Pennsylvania, without regard to its conflict-of-laws rules, and, for any matter not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Allegheny County, Pennsylvania.

17. Time limit on claims

To the fullest extent permitted by law, any claim you may have arising out of or relating to these Terms, the Service, or the Affiliate Program must be filed within one (1) year after the claim arises; otherwise it is permanently and forever barred.

18. Contact

Questions about these Terms may be directed to generationnextfinancial@gmail.com.

19. Severability & entire agreement

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permitted and the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Service and the Affiliate Program and supersede any prior understanding. The limitations of liability, releases, waivers, arbitration and class-action waiver, and Affiliate Program provisions survive termination of your account or these Terms.

These Terms are provided as a starting point and should be reviewed by qualified legal counsel before you rely on them for your business.