Last updated: October 16, 2026
The Falcon FEX platform (“Falcon FEX,” the “Platform,” “we,” “us”) is operated and developed by RJ Webworks LLC, a Florida limited liability company. These Terms of Service (“Terms”) govern your access to and use of the Platform.
The Platform may be used only by licensed life insurance agents (“Agents,” “you”). By creating an account you represent that you hold an active life insurance license in every state in which you contact or sell to a consumer through the Platform, that you are at least 18 years old, and that you are authorized to accept these Terms. You may not take a call from, or contact, a consumer in a state where you are not licensed.
You must keep your license active while you use the Platform and tell us promptly if it lapses, is suspended or is revoked. We may ask for proof of licensure at any time, and may suspend or close an account that cannot provide it.
By checking the agreement box during sign up, you confirm that you have read, understood, and agree to be bound by these Terms and the Privacy Policy. If you do not agree, do not use the Platform.
Your access to the Platform, and the inbound calls you receive through it, are provided under your agreement with Falcon FEX. Falcon FEX sets and collects any fees for that access. Questions about what you pay, refunds or your plan go to Falcon FEX, not to RJ Webworks LLC.
You make no payments to RJ Webworks LLC through the Platform, and nothing in these Terms sets a price for you.
Callers are routed to agents who are available and licensed in the caller's state. A caller's phone number is shown to you once you have been connected for thirty seconds. Every call is recorded.
Ending calls yourself before thirty seconds in order to obtain callers' details (“bill dodging”) is not allowed. We record who ends every call, and three calls in a row that you end before thirty seconds may take you out of the call queue while your account is reviewed.
Falcon FEX decides who has an account and may suspend or close yours under your agreement with them. We may also suspend or close an account for any violation of these Terms.
You agree to act honestly, lawfully, and in good faith at all times. Specifically, you agree that you will not:
You are solely responsible for your own compliance with all laws and carrier guidelines applicable to your insurance sales.
When you buy leads on the Platform, you are buying access to those consumer contact records. Leads you buy, and leads you add yourself, make up your book.
We make no guarantee of quality, contact rate, or conversion. You are charged only for the leads actually delivered to you. Nothing in these Terms promises a number of conversations or any sale.
Leads you buy are yours to keep: they never expire and are never taken back, and you may keep working them after you stop using the Platform. How you store, secure and use lead information outside the Platform is your responsibility, and Section 7 applies to every contact you make with it, on or off the Platform.
You may not sell, rent, trade, or give purchased leads to anyone else. Your access is for your own insurance sales.
A lead is a real person who filled in an advertisement form. When you contact them, you are the caller and the legal responsibility is yours. That includes, without limitation: the Telephone Consumer Protection Act, state calling-hour restrictions, state and federal Do Not Call registry scrubbing, your licensing in the consumer’s state, and identifying yourself and your agency truthfully on every call.
If a consumer asks not to be contacted again, you must mark them “do not call” in the Platform. This is not optional. Doing so permanently blocks that phone number and email address across the entire Platform, for every agency, and prevents the record from ever being reassigned. It can only be undone by RJ Webworks LLC, and only where there is a compelling reason.
Any SMS or email you send through the Platform in future is subject to the same consent requirements, and to any additional rules we publish for those channels.
You will indemnify Falcon FEX and RJ Webworks LLC against any claim, penalty, or cost arising from how you contacted a lead.
Leads you buy and leads you add are yours. They are never reclaimed or reassigned, whatever their status and however long you keep them, for as long as your account is open.
Your agency’s owner may export reclaimed leads out of the Platform. Once exported, the owner remains bound by the same compliance and deletion obligations that applied inside it, including honouring a consumer deletion request against their copy. Every export is recorded.
We may suspend or terminate your account at any time, with or without notice, for any violation of these Terms. If you are found to have lied, committed fraud, entered false information, or otherwise misrepresented facts on the phone system or in this system, your account may be terminated immediately.
Any refund of fees you paid for access is a matter between you and Falcon FEX.
The Platform is provided “as is” and “as available,” without warranties of any kind, express or implied. We do not warrant uninterrupted or error-free service, any specific volume or quality of calls, or any specific earnings or results.
To the maximum extent permitted by law, in no event will Falcon FEX, RJ Webworks LLC, or their managers, members, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits or revenue. Our total aggregate liability for any claim relating to the Platform will not exceed the amount you paid to us in the one (1) month preceding the event giving rise to the claim.
We may update these Terms from time to time. Material changes will be reflected by updating the “Last updated” date above. Your continued use of the Platform after changes become effective constitutes acceptance of the revised Terms.
Any question, concern, billing matter, or dispute must first be submitted to us through the proper channels before any other action. Please contact Falcon FEX, or reach RJ Webworks LLCat the contact provided to you when your account was created. We will work with you in good faith to resolve any issue. For any urgent requests please email: ryan@rjwebworks.comWith Subject: URGENT - Falcon FEX Request
13.1 Governing law. These Terms and any dispute arising out of or relating to them, to your account, or to any call, lead or payment, are governed by the laws of the State of Florida, without regard to its conflict of laws principles.
13.2 No arbitration. Disputes under these Terms are resolved in court, not in arbitration. There is no arbitration agreement between you and us. Each party knowingly and voluntarily waives any right it may otherwise have to demand, compel, initiate or participate in arbitration of any claim arising out of or relating to these Terms, whether under the Federal Arbitration Act, Chapter 682 of the Florida Statutes, or the rules of any arbitral forum, and neither party will move to compel arbitration or to stay a court proceeding in favor of arbitration. This waiver is mutual and survives the end of your account.
13.3 Exclusive venue, including small claims. The exclusive venue for any dispute is Miami-Dade County, Florida. Claims within the limit of the Florida small claims rules may be brought in the small claims division of the County Court in and for Miami-Dade County; we expressly reserve the right to bring collection actions there. Larger claims are brought in the County Court or the Circuit Court of the Eleventh Judicial Circuit in and for Miami-Dade County. Each party consents to personal jurisdiction in those courts and waives any objection to venue there, including inconvenient forum, and you agree not to seek transfer or dismissal of an action brought there on the ground that you live or do business elsewhere.
13.4 Jury and class action waiver. Each party knowingly and voluntarily waives any right to a trial by jury, and any right to bring or take part in a class, collective, consolidated or representative action. Claims are brought only individually.
13.5 Notice, fees and time limit. Before filing suit, the party with a claim gives the other written notice describing it and 15 days to resolve it. Notice to you may be sent to the email address on your account; notice to us goes to legal@rjwebworks.com. The prevailing party in any action is entitled to recover its costs and reasonable attorneys’ fees. Any claim must be brought within one year after it arises or it is permanently barred, to the extent that period is enforceable under Florida law.
These Terms, together with the Privacy Policy, are the entire agreement between you and us about the Platform. If any provision is held unenforceable, the rest stays in force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our written consent.
By creating an account you acknowledge that you have read and agree to these Terms of Service.