CallX · Terms of Service
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CallX Terms of Service

Last updated: May 26, 2026 · Effective for all accounts created on or after this date

1. Acceptance of Terms #

By creating an account or otherwise accessing the CallX platform (the "Service"), you agree to be bound by these Terms of Service (the "Terms") and the CallX Privacy Policy, which is incorporated by reference. If you do not agree, you may not use the Service.

If you are using the Service on behalf of an organization (an "Agency", "Advertiser", or "Publisher" entity), you represent that you are authorized to bind that organization to these Terms, and "you" in this document refers to both you individually and the organization.


2. Definitions #

  • CallX — the platform operated by CallX, Inc., including software, APIs, dashboards, and communications infrastructure.
  • Agent — a licensed insurance producer or contact-center representative who takes inbound calls and writes policies via CallX.
  • Agency — a multi-Agent organization with Owner-level access; every Agent signup auto-creates a one-person Agency.
  • Coach — a third party listed on the CallX marketplace who provides paid, live, per-shift coaching to Agents at other Agencies.
  • Trainer — an agency-internal capability designating an Owner or senior Agent who develops the Agency's own downline.
  • Publisher — a media buyer or call source that delivers inbound calls to the CallX marketplace for routing to Advertisers.
  • Advertiser — a buyer who purchases inbound calls from the CallX marketplace for their own Agents or in-house team.
  • Caller — the end consumer whose call is routed through CallX.
  • SuperAdmin — CallX, Inc. employees with platform-wide administrative access for support, compliance, and operational purposes.

3. Eligibility & Account Registration #

You must be at least 18 years old and legally able to enter binding contracts to use the Service. Agents must hold and maintain all applicable insurance licenses for the states in which they take calls and write policies. CallX may verify licensing via the NIPR or state regulator databases at any time and may suspend access if licensing is not in good standing.

You agree to provide accurate and complete information at registration and to keep it current. You are responsible for all activity that occurs under your account credentials.


4. Subscription, Fees & Billing #

The Service is offered on tiered subscriptions (Starter, Pro, Enterprise) with optional per-call and per-shift fees. Fees and billing cadence are disclosed at purchase. You authorize CallX to charge the payment method on file for all amounts due. Failed charges may result in suspension of inbound call routing.

Refund eligibility for unused call credits is governed by the CallX Account Closure Policy: when an Agent or Agency account closes, all future billing stops immediately and any unused call credits are refunded to the original payment method.

The "Powered by CallX" attribution remains visible on every white-label deployment and cannot be removed regardless of tier.


5. Call Routing & Marketplace Mechanics #

CallX operates a real-time call marketplace that matches Publisher-delivered Callers to Advertiser- or Agency-employed Agents according to routing rules, bid prices, license coverage, availability windows, and quality scoring. CallX makes no guarantee of call volume, lead quality, or conversion outcome.

Advertisers and Publishers do not see each other's identity in any reporting, realtime, or call surface. This disintermediation rule is a permanent platform principle and applies to all participants except SuperAdmin.


6. Communications & Notifications #

By creating an account, you authorize CallX to contact you at the phone number(s) and email address(es) you have provided for service-essential messages, including but not limited to: billing alerts and payment confirmations, account security and login notifications, call status and assignment notifications, schedule and shift reminders, application and licensing updates, password resets, and other account-critical communications. These are required to use the Service.

You may receive these messages via SMS text, voice call (including using automated and pre-recorded technology where permitted by law), and email. Standard message and data rates may apply for SMS. You may reply STOP to any SMS to opt out of non-essential text messages; service-essential messages necessary to operate your account may continue.

Marketing and promotional communications are separately governed by your in-product communication preferences and may be opted out at any time without affecting your account.


7. Recording & Transcription of Conversations #

Recordings and transcripts are used for quality assurance, dispute resolution, compliance monitoring, agent feedback and coaching, AI-assisted analysis (see Section 8), regulatory reporting, and training and supervision of CallX personnel.

Caller-side disclosure. CallX's inbound call greetings and Agent-facing scripts include the disclosure that calls may be recorded and monitored, in compliance with applicable two-party-consent state laws (including but not limited to California, Florida, Illinois, Maryland, Massachusetts, Montana, New Hampshire, Pennsylvania, and Washington). You agree not to bypass or disable any recording disclosure provided by the Service.

Recordings are retained according to CallX's data retention schedule (see Privacy Policy § Data Retention) and may be retained longer where required by law, regulatory obligation, or pending dispute.


8. AI Analysis & Automated Feedback #

Automated outputs (including call scores, lift predictions, and routing decisions) may affect your access to leads, your eligibility for certain pricing tiers, and your visibility on platform-wide rankings. CallX will provide a means to dispute automated outputs that materially affect access or pricing.

Unless you separately and expressly opt in via a documented agreement with CallX, recordings and transcripts associated with your account will not be used to train third-party general-purpose AI models. Internal model training and evaluation by CallX on de-identified or aggregated data is permitted.


9. Third-Party Access to Recordings & Performance Data #

  • Your Agency Owner, Managers, and designated Trainers — full access to your call recordings, transcripts, performance metrics, and customer records as part of normal agency operations and supervision.
  • Marketplace Coaches you book — live audio access and limited contextual information during the active shift only; no persistent access to recordings after the shift ends except as required for dispute resolution.
  • Advertisers who purchased the call — call recording, basic call metadata, agent-side quality assurance data, and disposition information for calls routed to or from their campaigns. Advertiser identity is not disclosed to Publishers and vice versa.
  • Carriers and downstream telecom providers — operational metadata necessary to deliver the call.
  • Regulators, auditors, and law enforcement — pursuant to subpoena, court order, or written cooperative-disclosure request consistent with applicable law.
  • CallX service providers — subprocessors who provide hosting, storage, transcription, payment processing, fraud detection, and similar infrastructure under written confidentiality and data-processing agreements with CallX.

10. Carrier Compliance Data Submission #

This includes, without limitation, submissions to:

  • The Campaign Registry (TCR) for 10DLC brand and campaign registration — required for SMS delivery on T-Mobile, AT&T, and Verizon networks.
  • Toll-Free Verification (TFV) via providers such as Twilio, Bandwidth, and similar — required for SMS delivery on toll-free numbers.
  • STIR/SHAKEN attestation registries and call-authentication providers.
  • National and state Do Not Call list operators for required suppression-list management.

Information submitted may include legal business name, EIN or other tax identifier, business address, contact details, sample messages or scripts, opt-in collection methods, and other items required by the receiving authority. You represent that all information you provide for these submissions is accurate.


11. Performance Data in Leaderboards & Promotional Materials #

Leaderboards may include agency-internal rankings, team rankings, agency-wide rankings, and CallX-platform-wide rankings (e.g., "Top Producer This Week"), and may be cross-posted to integrated platforms such as Discord where you have connected your account.

You may opt out of public leaderboards at any time via Settings → Privacy → Leaderboards. Opting out does not remove your performance data from agency-internal reporting visible to your Agency Owner, Managers, and Trainers.


12. Acceptable Use #

You agree not to use the Service to: violate the TCPA, CAN-SPAM Act, state mini-TCPA statutes, the Do Not Call rules, or any other applicable communications or consumer-protection law; misrepresent your identity, your license status, or the products you are selling; record or capture audio or screen content via tools other than the Service's own recording functionality; reverse-engineer, scrape, or extract data from the Service except via documented APIs; or interfere with the Service's compliance controls (including recording disclosures, consent capture, and DNC scrubs).


13. Intellectual Property #

CallX retains all rights, title, and interest in and to the Service, including all software, models, scripts, dashboards, design assets, and the "CallX" name and marks. You receive a limited, non-exclusive, non-transferable license to access and use the Service during your subscription term. White-label customers may apply their own logo, domain, and color theme to permitted surfaces, but the "Powered by CallX" attribution remains visible at all times.


14. License to User Content #

You retain ownership of content you submit (notes, comments, profile data, scripts you author). You grant CallX a worldwide, royalty-free license to host, transmit, display, and process that content as needed to operate the Service and as further described in the Privacy Policy.


15. Confidentiality #

You will not disclose pricing, payout, routing logic, or other non-public commercial information of the Service to any third party except as permitted by CallX in writing or as required by law. CallX will treat your business information with comparable care.


16. Disclaimers & Limitation of Liability #

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. CALLX DOES NOT GUARANTEE CALL VOLUME, CONVERSION RATES, OR THE ACCURACY OF AUTOMATED SCORES OR PREDICTIONS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CALLX'S TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID TO CALLX FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. CALLX WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.


17. Indemnification #

You agree to defend, indemnify, and hold harmless CallX, its officers, employees, and contractors from any claim arising out of (a) your breach of these Terms, (b) your violation of applicable law including the TCPA, CAN-SPAM, or state DNC rules, (c) your use of the Service to contact a consumer in a manner not consented to under the law, or (d) the content of policies, quotes, or other materials you generate via the Service.


18. Termination #

You may close your account at any time via Settings. CallX may suspend or terminate your access if you materially breach these Terms, if your license lapses, if your account is implicated in a compliance investigation, or if CallX is required to do so by law or by an operating partner (such as a carrier or regulator).

Upon termination: unused call credits will be refunded to your original payment method; recordings and account data will be retained according to the Privacy Policy; the survival sections (IP, Confidentiality, Limitation of Liability, Indemnification, Governing Law) continue to apply.


19. Dispute Resolution & Arbitration #

Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, seated in the county and state of CallX's principal place of business, except for small-claims-court matters and claims for injunctive relief. You and CallX each waive any right to a jury trial and to participate in a class, collective, or representative action.


20. Governing Law #

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles.


21. Changes to These Terms #

CallX may update these Terms from time to time. If a change is material (including changes to the consent topics in Sections 7–11), CallX will provide at least thirty (30) days' advance notice via email and the in-product Notifications surface, and will re-prompt for affirmative consent where required by applicable law.


22. Contact #

For questions about these Terms, contact legal@callx.com. For privacy-specific requests (access, deletion, opt-out), see the Privacy Policy.

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