Terms of Purchase & Use of The Growth Academy Lead System

1. Lead Return Policy

We use high-intent channels and advanced filters to deliver exclusive, qualified leads. But no system is perfect, a small number of invalid leads will slip through.

That’s why we have a clear, fair return policy. When a lead is genuinely invalid, we’ll credit you. Here’s how it works.

What Counts As A Valid Lead

A Valid Lead:

• Has a working phone number
• Has a real name that matches the number
• Is not a duplicate from us within the last 30 days
• Shows intent to speak with a financial adviser or broker

Note: A lead is still valid if they don’t answer, change their mind, or go cold. You’re buying access to qualified prospects, not guaranteed clients.

Returns approved if:

We’ll credit the full cost of a lead if any of the following apply:

• Invalid phone number (disconnected, not recognised, won’t accept calls)
• Goes to voicemail that doesn’t match the contact’s name
• Clearly fake (e.g. Mickey Mouse, gibberish)
• Test submission
• Duplicate from us (same name, email, and phone within 30 days)

Request must be submitted within 5 days (120 hours) of lead delivery.

Returns not approved if:

Refunds will not be provided in the following situations:

• The lead doesn’t answer, respond, or follow up
• They change their mind, ghost, or lose interest
• They’ve already spoken to another adviser
• You can’t serve them, or they choose someone else
• They submitted info elsewhere (not a duplicate unless it’s in our system)
• You miss the 5-day return window
• You’re actively doing business with them

Other cases may be reviewed, but if it’s not listed above, don’t assume a refund.

Lead Return Process

If you feel you have received a lead which falls under one of the allowable return reasons and you would like to make a request to return it this can be done from within your account dashboard in the customer portal. This is the only way returns can be submitted and processed.

You can login here: https://thegrowthacademy.leadprosper.net/login

Go to Leads on the left hand side menu. Select the Campaign and date the lead in question was received:

Then you can click on the Lead ID and select Return and enter the Return Reason:

This will notify us immediately and we will then review your return request.

Approved lead returns automatically credit your account back with the full cost of the lead type.

Focus on ROI, Not Individual Leads

We price leads based on realistic conversion rates. Not every lead will convert, and that’s already factored into the cost.

What matters is your overall ROI, not whether every lead turns into a client. Our most successful advisers convert:

• 50–70% of leads into meetings
• 20%+ into clients
• With an average 10x return on investment

Here’s what that looks like in practice (based on risk insurance leads):

• 10 leads @ $100 = $1,000 investment
• 5–7 meetings booked
• 2 clients closed
• $5,500 total API
• $11,000 commission (at 200%)
• $10,000 net profit

That’s the real game, and this policy helps keep it fair, sustainable, and profitable for everyone.