Terms of Service

Effective date: October 17, 2026

These terms are a contract between you and Outlier Estates LLC, doing business as Evermore ("we", "us"). They have two parts. Part 1 applies to agents and agencies who use the service. Part 2 covers the messages we send to people who call our line. By signing up or using the service, you agree to these terms and to our Privacy Policy.

Part 1: Agent Terms of Service

Who we are

Evermore is a service of Outlier Estates LLC.
We sell prepaid packs of live phone calls. Each call is a person interested in life insurance. We screen the caller and transfer the call live to a licensed agent.
New accounts start inactive. We review each sign-up before any calls are sent to you.
To use the service, you must be a licensed life insurance agent or a licensed agency, at least 18 years old, and located in the United States.

Your account

Give us accurate information about yourself, the states you are licensed in, and your call hours if you set them, and keep it up to date. We route calls by the states you list: a call sent to you for a state you listed is billed even if you are not licensed there.
Keep your sign-in codes and your devices secure. You are responsible for everything done in your account.
One account is for one person. Do not share your account or let anyone else take calls on it.
We may refuse a sign-up, or close an account, at our discretion.

Prepaid packs and billing

The service runs on prepaid credits. You buy a pack before you receive calls, and each delivered call is charged against your balance. When your balance cannot cover a call, calls stop until you add more.
Packs are prepaid and non-transferable. Your balance has no cash value.
You pay a flat fee for each delivered call, set per product. The fee is the same whether or not you make a sale. It is never a percentage of premium or commission.
A delivered call is billed at the price shown at purchase.
We may change prices and the billable minimum with notice. A change applies to calls delivered after it takes effect.
A call counts as delivered when the transfer connects and you talk with the caller for at least the minimum time (15 seconds unless your account says otherwise).
A call you end while the caller is still on the line is a delivered call and is billed, whatever its length. You may dispute it; disputes are decided on the recording.

Call outcomes

You must record the outcome of every billed call truthfully within 24 hours of the call ending: Sold, with the policy type, whether it was a replacement, and the carrier (for a replacement, the old and the new carrier), with the monthly premium optional; Callback, with a date; or Not interested, with a reason.
Each morning we email you a list of billed calls that still need an outcome. If calls stay unmarked, we show a reminder in the app. After 72 hours, we may pause new calls until you mark them.
False or careless outcome records are a material breach of these terms. They may result in warnings, a review of your outcomes, suspension or termination of your account, and loss of dispute rights.

Refunds and chargebacks

Prepaid balances are not refundable except as required by law or at our discretion.
Delivered calls are never refunded, except through the call dispute process.
Bonus calls included with a discounted pack have no cash value and are not refundable, and the starter pack is limited to one per agent.
If you want your unused balance back, ask us in writing at hello@evermore.family. We may refund it at our discretion.
Starting a card dispute or chargeback for delivered calls is a breach of these terms.
If you start one, we may suspend your account. We may send your card issuer evidence of your purchase and the calls you received. We may recover any amount you owe, plus the fees the dispute costs us.

Referrals and teams

When an agent who signs up with your invite link is approved and pays for their first pack, you may earn bonus credit toward calls.
Referral bonus credit has no cash value, is not refundable, and cannot be transferred. There is one reward per invited agent.
A reward is reversed if that first purchase is refunded or charged back. We may withhold or reverse rewards for abuse, such as inviting yourself or accounts that are not real agents, and we may change or end rewards at any time.
If you lead a team, agents who join it through your link, or whose request to join you accept, agree to share their call counts, outcomes, sales totals, and calls left with you. Use them only to support your team. They can leave the team at any time.

Call disputes

If a delivered call should not have been charged, for example the caller was in the wrong state, under age, a wrong number, had no intent, never connected, or was a duplicate, dispute it within 24 hours of the charge from your dashboard or by emailing hello@evermore.family. When lead alert texts are on, you can also reply 9 to a call's lead alert text. Disputes after 24 hours are not accepted.

You can dispute a call only after you record its outcome, within 24 hours of the call ending.
One exception: a call where you talked with the caller for less than 15 seconds can be disputed as a wrong number without an outcome.
We decide disputes on the call recording. Approved disputes are credited back to your balance.
We decide each dispute at our sole judgment. Our decision is final.

Recording, monitoring, and data

Calls are recorded and may be monitored. We use recordings and transcripts for quality, to decide disputes, and for compliance.
We keep call recordings and transcripts as part of our business records. Social Security numbers, bank account numbers, and card numbers are redacted from the transcripts of your calls.
You grant us a perpetual, irrevocable, worldwide, royalty-free license to use call recordings, transcripts, screener answers, the outcomes you record, and your usage data.
We may use them to operate, secure, and improve the service, including through automated analysis. This license continues after your account closes.
We may share this data with service providers that process it for us, and as the law requires.

Acceptable use

You agree not to:

Record false call outcomes.
File false disputes.
Misuse caller information, or use it for anything other than helping that caller.
Contact callers outside the platform to avoid charges.
Share your account or your sign-in codes.
Interfere with the service, or try to get around its limits or billing.

We may monitor use of the service and act on anything that breaks these terms.

Licensing and compliance

Evermore is not an insurance agency or carrier, and the service does not grant you any license or appointment. You are responsible for your own licensing and compliance: holding the licenses and appointments required in every state where you take calls, and following every law and carrier rule that applies to your sales, including insurance, telemarketing, and privacy laws.

Suspension and termination

We may suspend or close your account for fraud or abuse, including false call outcomes, false disputes, or misuse of caller information. While your account is suspended, no calls are delivered to you.
We may also suspend or close any account at our discretion, with or without notice.
You may close your account at any time by emailing hello@evermore.family.
If we close your account for another reason, we may refund your unused balance at our discretion.
In cases of fraud or abuse, you forfeit any unused prepaid balance.
The sections on refunds, data, disclaimers, liability, indemnity, and dispute resolution continue after your account closes.

Disclaimers, liability, and indemnity

The service is provided as is and as available. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
We do not guarantee any number of calls, the quality of any call, or that any caller will buy.
We are not responsible for what callers say or do, or for outages of phone carriers and other services we rely on.
To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, commissions, or data.
Our total liability for any claim about the service is limited to the amounts you paid us in the 3 months before the claim.
You will defend, indemnify, and hold harmless Outlier Estates LLC and its members, employees, and agents from any claim, loss, or cost, including reasonable attorneys' fees.
This applies to claims that arise from your use of the service, your sales, your breach of these terms, or your violation of any law.

Dispute resolution and governing law

Please read this section carefully. It affects your legal rights.

You and we agree to resolve any dispute about these terms or the service by binding individual arbitration, not in court.
The American Arbitration Association (AAA) runs the arbitration under its Commercial Arbitration Rules. The arbitration takes place in California.
Class action waiver: you and we may bring claims only individually, not as a plaintiff or class member in any class, collective, or representative action. The arbitrator may not combine claims of more than one person.
You may opt out of arbitration within 30 days of first accepting these terms. Email hello@evermore.family with your name and a statement that you opt out.
Either of us may bring an individual claim in small claims court instead, if it qualifies.
California law governs these terms, without regard to its conflict of law rules. The Federal Arbitration Act governs this arbitration agreement.
Any claim that is not subject to arbitration must be brought in the state or federal courts in Los Angeles County, California. You and we consent to their jurisdiction.

SMS / Text Messaging Terms

Program name: Evermore agent alerts.
Who it is for: licensed life insurance agents who sign up on our agent sign-up form and check the text message consent box. We do not text consumers through this program.
Messages you will receive: lead delivery alerts, replies to your balance and availability requests, and support messages.
Message frequency: message frequency varies.
Cost: message and data rates may apply.
Opt out: reply STOP to cancel at any time. You will get one message confirming you are unsubscribed.
Help: reply HELP for help, or email hello@evermore.family.
Service number: our texts come from (818) 629-1218.
Carriers are not liable for delayed or undelivered messages.
Consent to receive text messages is not a condition of purchase.
Privacy: see our Privacy Policy.

Part 2: Callers

Messages to callers

Who it is for: people who call the Evermore line and ask for a callback. You may agree, on the recorded call, to a text or email reminder about that callback. These reminders are separate from the agent alerts program above.
Messages you will receive: at most a confirmation and one heads-up per callback.
From: texts come from our number (818) 629-1218, and emails from hello@evermore.family.
Cost: message and data rates may apply.
Opt out: reply STOP to any text to opt out.
Help: reply HELP for help, or email hello@evermore.family.
Privacy: we never sell caller information. Apart from the service providers that deliver our calls and messages and the advertising measurement described in our Privacy Policy, we share it only with the licensed agent who takes the call.

Changes to these terms

We may change these terms. We will give you notice by email or in the app.
We will post the new version on this page and update the effective date.
If you keep using the service after a change takes effect, you accept the updated terms.
These terms are effective as of October 17, 2026.

Contact

Outlier Estates LLC, doing business as Evermore: hello@evermore.family