Insurance list use checker
Before you buy a list, check what the provider lets you do with it. Pick how you plan to use the list and see what each of 19 insurance data providers says about calls, texts, email, mail, keeping the list and reselling it, and whether it flags Do Not Call or mobile numbers.
A provider's terms are not compliance advice. A list that a provider says it scrubbed or flagged can still break TCPA, Do Not Call, CAN-SPAM or state rules when you use it. You are responsible for consent, scrubbing and opt-outs. Ask a compliance professional before you call or text.
What each provider says
Vendors with the most published facts come first, then those with a verified identity, published prices and more years in business. Paid placement never changes that order.
Key: Stated the provider says something about it. Read the words. Stated does not mean allowed. Not stated we found nothing in public.
| Provider | Permitted use | Do Not Call flag or scrub | Mobile number flag | Resale | Sharing | Keeping the list | After you cancel |
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| Stated | Not stated | Not stated | Not stated | Stated | Not stated | Not stated | |
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| Stated | Not stated | Not stated | Not stated | Stated | Stated | Stated | |
| Stated | Not stated | Not stated | Not stated | Not stated | Stated | Stated |
0 of 19 providers say something about Do Not Call scrubbing or flags. 0 of 19 say something about mobile numbers. 0 of 19 state resale terms. 10 of 19 say what happens to the data after you cancel.
Each provider's terms, in its own words
Insurance Xdate Commercial filings and trigger data
Non-inquiry business prospect data assembled from workers compensation reporting, Form 5500 and Form 990 filings, DOT and OSHA records, plus business and contact enrichment.
- Permitted use Stated
- Use by licensed individual agents or agencies engaged in commercial insurance or employee benefits for their own prospecting and sales work.
- Phone numbers Stated
- Phone fields are available where provided by the dataset.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Email fields are available where provided by the dataset.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- The license is not shareable or transferable. Agency access is limited to licensed users at the same physical office or location.
- Keeping the list Not stated
- One-time versus multi-use rights and retention of exported records are not publicly stated.
- After you cancel Not stated
- Nothing found in public.
- Contract term Stated
- Monthly or yearly on Starter, a yearly commitment on Agency.
Infofree Compiled consumer and business lists
Compiled U.S. business, executive and consumer prospect records with insurance industry targeting. Marketing uses the word leads for list records. Records are compiled from directories, public records and licensed suppliers rather than consumer quote inquiries.
- Permitted use Stated
- Subscription is for the private use of the customer. Prospecting by mail, email and phone is the implied use, and the customer must obey TCPA, DNC, CAN-SPAM and state laws.
- Phone numbers Stated
- Business and consumer phones are available. Homepage disclosure: consumer file phone numbers are available for 30% of the file and are 50% accurate. A phone-availability filter exists. Wireless, reassigned and litigant flags are not documented.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Emails are included where available. Large count claims appear on marketing pages. Field-level fill rate methodology is not published.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- Customer agrees not to license, resell or share the data. Concurrent multi-location use and account sharing can bring suspension or cancellation.
- Keeping the list Stated
- On cancel, the customer loses system access and saved searches, and credits are forfeited. The terms keep private-use and no-resale limits on downloaded records.
- After you cancel Stated
- On cancel, system access and saved searches end and credits are forfeited. Continued use of already-exported CSV files is limited by the private-use and no-resale terms even though the customer owns the downloaded record.
- Contract term Stated
- New plans are yearly, with a 3-day money-back window.
Data Axle Compiled consumer and business lists
Non-inquiry compiled marketing data for consumers and businesses. Agency pages package home, auto, life and commercial prospecting filters. Salesgenie is the subscription product. Exact Data sells one-time insurance mailing lists. Records are not consumer-submitted insurance inquiries.
- Permitted use Stated
- Limited, non-exclusive, non-transferable, non-sublicensable license for internal purposes during the term.
- Phone numbers Stated
- Phones are included on many lists. Salesgenie releases consumer phones only with an approved FTC Subscription Account Number or a waiver. Data Axle USA excludes federal DNC numbers by default with an option to include them. Exact Data says lists are scrubbed against DNC and still makes the buyer responsible for independent verification. Terms also say data can include DNC numbers and the buyer must subscribe to applicable do-not-contact lists.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Email addresses are available and are often credit-gated on Salesgenie. Packages claim weekly email and phone verification. Exact Data runs hygiene every 30 days.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- No share, sell or transfer of the Product Suite without written authorization. List rental bars third-party sharing, with liquidated damages of ten times the rental rate for breach.
- Keeping the list Stated
- The limited license runs during the term. On termination for breach, Data Axle can demand immediate return or destruction of accessed data. Explicit retained-use rights after a clean cancel are not published. Exact Data purchased lists are multi-use for one year unless the order is one-time controlled. List-rental mailings require purge within 15 days after the mail drop.
- After you cancel Not stated
- Nothing found in public.
- Contract term Stated
- See Salesgenie and Exact Data.
Salesgenie Compiled consumer and business lists
A general business and consumer prospecting database with insurance-specific filters and a Form 5500 health and welfare product.
- Permitted use Stated
- The website license permits internal use during the applicable term. Purchased and rented records remain subject to the applicable order, rental or campaign terms.
- Phone numbers Stated
- Business and consumer phone data are available, including landline and mobile numbers.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Email addresses are available where present and require an additional credit when rented or exported.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- No sharing or transfer without advance written authorization.
- Keeping the list Stated
- The order and schedule control. The master agreement generally requires use to stop at expiration or termination and destruction within 30 days. One-time purchased lists have 12 months of export access in Salesgenie.
- After you cancel Stated
- Unless the schedule says otherwise, use must stop and Product Suite materials must be destroyed within 30 days.
- Contract term Stated
- Packages start with 12 months, then go month to month.
Benefeature Benefits and Form 5500 data
Employer, plan, broker, agent, carrier and contact records for benefits prospecting. Records are assembled from filings, proprietary carrier data, retirement data and other verified sources rather than quote inquiries.
- Permitted use Stated
- A limited license for the subscriber's internal business use for the length of the subscription term.
- Phone numbers Stated
- The Omni Search overview lists phone numbers among contact results without identifying the record type, source, line type or refresh date. The employer-contact product includes business email and LinkedIn but not phone.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Employer contacts can include business email. The source, verification method and refresh date are not publicly stated.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- No sublicensing, redistribution or third-party access, including access by consultants, partners or affiliates, without prior written consent.
- Keeping the list Stated
- At termination, the subscriber must stop using the service and Marketshare property. A confidentiality clause permits retention required by law or bona fide document-retention policies, but it does not grant continued use of exported platform data.
- After you cancel Stated
- At termination, access and licenses end and the subscriber must cease use of the service and Marketshare property. Confidential information may be retained when required by law or a bona fide document-retention policy, but the standard terms do not grant continued use of exported platform data.
- Contract term Stated
- 12 months to start unless the order form says otherwise.
LeadsPlease Compiled consumer and business lists
A general consumer and business list broker with insurance targeting. Agencies can buy household files, new-homeowner files and turning-65 files. The records are compiled for the buyer's own outreach. They are not quote requests or live transfers.
- Permitted use Stated
- One use within 30 days of delivery unless the buyer pays for a multiple-use license. Permitted purposes in section 4(a) are direct mail solicitations, telephone solicitations, telephone surveys and direct mail surveys. Internal analysis and prior-mail suppression are also allowed.
- Phone numbers Stated
- Business lists include a phone number. Consumer phone numbers are optional. New-homeowner files do not include phone numbers. A consumer number can be a landline or a mobile number.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Email is sold separately or with mailing data. LeadsPlease describes consumer addresses as opt-in. The insurance page specifies real-time ZeroBounce verification. The new-homeowner page specifies point-of-sale NeverBounce verification. The count-tool FAQ asks buyers to use email files within 72 hours. Verification does not establish consent or licensed email use.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- No disclosure to a third party. No merge with another file without written consent from LeadsPlease. No assignment of the agreement without consent. Employees may see the file only as their duties require.
- Keeping the list Stated
- One-time use must occur within 30 days. The download remains on the site for 30 days unless a multiple-use license was paid. Title stays with the company. Backup copies are allowed. Marketing use after the license window is not granted.
- After you cancel Stated
- A one-time file must be used within 30 days. The file stays in the member area for 30 days unless a multiple-use license was paid. The agreement does not grant a retained marketing right after that window.
- Contract term Stated
- One order at a time, or a repeat order each month.
Bresser's X-Dates Homeowner X-dates
Non-inquiry homeowner prospect records for insurance prospecting. Property Connect combines renewal-window targeting with property and contact fields.
- Permitted use Stated
- Unless Schedule A states otherwise, the Haines agreement permits direct mail, telephone solicitations and telephone or direct-mail surveys. Electronic solicitation or internet use requires Haines' prior written consent.
- Phone numbers Stated
- The email-delivered phone-and-email tier includes phone numbers where available.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Property Connect includes email where available. The higher email-delivered tier includes email where available.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- Data may be disclosed only to employees, contractors or agents whose duties relate to the permitted business purpose. Affiliated companies count as third parties.
- Keeping the list Stated
- Authorized use ends at termination, when the client must promptly return or destroy all data.
- After you cancel Not stated
- Nothing found in public.
- Contract term Stated
- Set in your order form with Haines, the data company behind Property Connect.
ListShack Compiled consumer and business lists
US consumers age 18 and older, US businesses and vehicle owners, plus separate compiled consumer and business email databases. Insurance pages package those records for homeowners, renters, auto, life, health, Medicare, final expense and commercial outreach.
- Permitted use Stated
- Permanent, non-exclusive license for the client's own business use, including telemarketing, door knocking and mailing when lawful.
- Phone numbers Stated
- Phone appears on consumer, business and vehicle records where available. No published fill rate by field. Wireless, state DNC, reassigned-number and litigant flags are not published.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Separate compiled consumer and business email databases. Emails are compiled and not opt-in. Emails are not verified.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- Credential sharing with other users is forbidden. The license is non-transferable and non-sublicensable.
- Keeping the list Stated
- Terms grant a permanent license to retained downloads for own business use. Cancel support says the buyer may retain a copy of all records downloaded with unlimited usage rights.
- After you cancel Stated
- Terms grant a permanent license to retained downloads for own business use. Cancel support says the buyer may retain downloaded records with unlimited usage rights. Grandfathered plans are not restorable on resubscribe.
- Contract term Stated
- Month to month with no long-term contract.
DataMasters Homeowner X-Date Database Homeowner X-dates
DataMasters Homeowner X-Date Database profile
Non-inquiry homeowner and property prospect records with purchase dates used as an insurance-renewal timing proxy.
- Permitted use Not stated
- Nothing found in public.
- Phone numbers Stated
- 7.3 million of these homeowner records have DNC-scrubbed telephone numbers. Telephone numbers are supplied where available.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Over 4.3 million homeowners have purchase dates and email addresses.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- Customers must supervise employees and contractors with access and inform parties to whom data is conveyed of the restrictions.
- Keeping the list Stated
- DataMasters deletes personal information it sold and still holds within 30 days after the services are completed. Buyer retention is not stated in the terms.
- After you cancel Not stated
- Nothing found in public.
- Contract term Stated
- Buy as needed or get a monthly delivery.
PollyAI Commercial filings and trigger data
Non-inquiry motor-carrier prospect records built from public FMCSA census, authority, licensing and insurance, roadside and safety data.
- Permitted use Stated
- Terms section 3 grants a limited, non-exclusive and non-transferable license for internal business purposes.
- Phone numbers Stated
- Phone numbers are described as coming from FMCSA filings, with optional enrichment and verification before outreach.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Email addresses are described as coming from FMCSA filings, with optional enrichment and verification before outreach.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- PollyAI explicitly supports sending PollyIQ report URLs to underwriters or producers and printing a report for a meeting. Terms section 3 retains the limited, non-exclusive and non-transferable internal-business license. Broader dataset/export sharing with producers, contractors or clients is not publicly stated.
- Keeping the list Stated
- Post-cancel use and deletion rights for vendor-supplied FMCSA records and Marketing Lists are not publicly stated. Privacy section 6 covers PollyAI retention of personal information, not a customer license to retain prospect records.
- After you cancel Stated
- Retained-use rights for vendor-supplied FMCSA records and Marketing Lists and post-cancel export or access terms are not stated. Customers retain ownership of content they submit.
- Contract term Stated
- Month to month with no penalty to cancel.
LRG Compiled consumer and business lists
Non-inquiry U.S. consumer, business, cell phone and homeowner prospect lists for cold calling, email, text, direct mail and digital outreach. Separate inquiry lead products for auto, Medicare, final expense and ACA sit outside this data-provider profile.
- Permitted use Stated
- The lists are sold for cold calling, text, email, direct mail, digital and ringless voicemail marketing. LRG does not publish a data license covering resale, AI or model training and FCRA limits.
- Phone numbers Stated
- Phone numbers are sold on consumer, B2B and homeowner lists. Cell append is available. Cell phone data is described as updated monthly.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Email is available on consumer, B2B and homeowner offers. The homeowner list claims junk and spam email removal. No verification vendor or method detail is published.
- Resale Not stated
- Nothing found in public.
- Sharing Not stated
- Sharing terms are not published.
- Keeping the list Not stated
- Buyer-side replacement and post-purchase suppression workflows are not published.
- After you cancel Not stated
- Nothing found in public.
- Contract term Not stated
- Nothing found in public.
Maverick Data Homeowner X-dates
Non-inquiry U.S. consumer and property records for insurance marketing. The product is sold as homeowner X-date data, and homeowner is an optional filter. x_date is a relevant policy or property date when available.
- Permitted use Stated
- The organization may use exported data for its own insurance marketing and customer outreach.
- Phone numbers Stated
- Primary phone, cell phone and an additional phone may appear where available.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- One email field may appear where available. The current 22-field dictionary does not include the validation-state field mentioned on the homepage.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- Third-party access is limited to service providers acting for the customer under confidentiality obligations.
- Keeping the list Stated
- After cancellation, exported data may be retained only for internal record-keeping and may not be used for new outreach.
- After you cancel Stated
- Previously exported data may be retained for internal record-keeping, but its license for new outreach ends when the subscription terminates.
- Contract term Stated
- Monthly or yearly.
Benefit Signals Benefits and Form 5500 data
Non-inquiry employer-group prospect data built from public filings, third-party signal sources, public business records and licensed business contacts. It ranks employer groups for benefits prospecting and shows a filed renewal date where Schedule A reports one.
- Permitted use Stated
- Generated reports may be used for the subscriber's internal and client-facing professional work.
- Phone numbers Stated
- Licensed business phone numbers are shown for decision-makers where available.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Licensed business email addresses are shown for decision-makers where available.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- Accounts are personal and may not be shared. Generated reports may be used in client-facing professional work, but licensed contact data may not be extracted or redistributed.
- Keeping the list Not stated
- Post-cancel retention and continued-use rights for reports or copied record details are not publicly stated.
- After you cancel Not stated
- Nothing found in public.
- Contract term Stated
- Monthly or yearly.
BenefitFlow Benefits and Form 5500 data
Employer, plan, policy, brokerage, office and contact records for insurance prospecting. Records come from filings, public online profiles, outside data partners and its own matching rather than insurance quote inquiries.
- Permitted use Not stated
- Nothing found in public.
- Phone numbers Stated
- The current contact export glossary documents one mobile number and one professional phone number per contact.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Contact emails come from public and partner sources and are checked through ZeroBounce. The current export glossary does not document a separate Email Verification Status column.
- Resale Not stated
- Nothing found in public.
- Sharing Not stated
- Nothing found in public.
- Keeping the list Not stated
- Nothing found in public.
- After you cancel Not stated
- Nothing found in public.
- Contract term Stated
- Yearly. Prepaying a year or more earns a discount.
Judy Diamond Group Insurance Directory Benefits and Form 5500 data
Judy Diamond Group Insurance Directory profile
A non-inquiry employer and group-benefits dataset for prospecting, territory research and market analysis. Subjects appear because of benefit-plan filings or vendor contact research, not because they requested an insurance quote.
- Permitted use Stated
- Nonexclusive, nonassignable and nontransferable limited license to view, print and reproduce purchased material for no more than one year from purchase.
- Phone numbers Stated
- Only BCMS includes broker phone numbers. Current decision-maker phone coverage for Group Insurance Directory is not stated.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Names, titles and email addresses are available for HR directors, benefits directors and CFOs. Judy Diamond says it collects and refreshes these contacts through direct plan-sponsor outreach each month.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- Access is limited to employees who require it. Distribution outside the licensee organization is prohibited.
- Keeping the list Stated
- The license limits use to no more than one year from purchase. Storage in an information storage or retrieval system requires prior written consent.
- After you cancel Not stated
- Post-cancellation data rights are not separately stated in the public product license.
- Contract term Stated
- Use what you buy for up to one year.
Zywave miEdge Commercial filings and trigger data
A non-inquiry insurance prospect and market-intelligence dataset covering employers and households for commercial lines, employee benefits and personal lines.
- Permitted use Stated
- Zywave markets miEdge for internal prospecting, market analysis, list building, CRM enrichment and data workflows. Contractual one-time or multi-use rights are not publicly stated.
- Phone numbers Stated
- Zywave says enhanced mobile and LinkedIn data helps brokers reach 13 million key company representatives across the United States. The premium data provider is not named.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Current public miEdge pages do not state email coverage or freshness.
- Resale Not stated
- Nothing found in public.
- Sharing Not stated
- Nothing found in public.
- Keeping the list Not stated
- Nothing found in public.
- After you cancel Not stated
- Nothing found in public.
- Contract term Not stated
- Nothing found in public.
Dataman Group Homeowner X-Date Lists Homeowner X-dates
Dataman Group Homeowner X-Date Lists profile
Non-inquiry homeowner prospect records for insurance marketing. The renewal month is an estimate based on home and property records, such as when the home was first bought.
- Permitted use Stated
- One-time use unless different terms are agreed in writing.
- Phone numbers Stated
- Phone numbers are available on some records. Dataman says they are updated through Directory Assistance and cannot be guaranteed. Phone data is updated weekly.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Email addresses are available on some records. The vendor does not state an email-verification method or cadence for this offer.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- The default terms prohibit disclosure or transfer of the list. Any customer or other end user receiving the file is bound by the terms.
- Keeping the list Stated
- The default terms prohibit retaining the list beyond two weeks after the agreed mailing date.
- After you cancel Stated
- The standard terms prohibit reuse and retention more than two weeks after the agreed mailing date.
- Contract term Stated
- One-time use unless Dataman agrees otherwise in writing.
Exact Data Compiled consumer and business lists
Compiled homeowner mailing and email lists sold to insurance marketers. Other catalog segments include Life Insurance Applicants, Health Insurance Respondents, Insurance Information Seekers and Auto Insurance Seekers. Their acquisition method is unresolved and they are not classified as inquiry leads or compiled attributes.
- Permitted use Stated
- Internal marketing use for the schedule term, not longer than one year, under Section 11. When the buyer is a mailer, Section 13 limits rental names to one-time use with the mail piece Data Axle approved.
- Phone numbers Stated
- Telephone lists are a sold channel. The master agreement says the product suite may include wireless numbers.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Email is a sold channel. Email records are deployed daily and invalid addresses are removed. The agreement makes the buyer the sender for commercial email.
- Resale Not stated
- Nothing found in public.
- Sharing Stated
- The license is non-transferable and non-sublicensable. A third-party processor needs Data Axle's consent and Data Axle's standard agreement. The data is not to be stored outside the United States.
- Keeping the list Stated
- Use stops when the agreement or schedule ends. The buyer certifies destruction within 30 days unless the law prohibits it. A delivered list can be used for one year from delivery, which matches the one-year license cap.
- After you cancel Stated
- When the agreement or schedule ends, use of the data stops. Within 30 days the buyer certifies in writing that the data was destroyed, unless the law prohibits destruction.
- Contract term Stated
- Internal marketing use for up to one year.
Prowlr Commercial filings and trigger data
Non-inquiry commercial P&C prospect data reconstructed from public filings, policy-certificate fields, business registrations, producer records and carrier rate filings.
- Permitted use Stated
- The insurance page presents the data for commercial P&C prospecting.
- Phone numbers Stated
- Prowlr mentions verified contacts but does not say that insurance records include phone numbers.
- Do Not Call flag or scrub Not stated
- Nothing found in public.
- Mobile number flag Not stated
- Nothing found in public.
- Email addresses Stated
- Prowlr mentions verified contacts but does not say that insurance records include email addresses.
- Resale Not stated
- Nothing found in public.
- Sharing Not stated
- Nothing found in public.
- Keeping the list Stated
- Marketing describes permanent ownership of the engine, records and history on customer-controlled infrastructure, including after nonrenewal. No public license defines retention or deletion rights.
- After you cancel Stated
- Marketing says customers retain their engine and records whether or not they renew. No public license defines that right.
- Contract term Not stated
- Nothing found in public.
How this tool works
We read each provider's public terms, license agreements, FAQs and product pages. For each provider we keep its own words on permitted use, phone and email data, Do Not Call scrubbing, mobile number flags, resale, sharing, keeping the data and the contract term.
Stated means the provider says something on the point. It does not mean the use is allowed, and a provider that says it scrubs or flags numbers can still deliver numbers you may not call. Not stated means we found nothing in public. Ask the provider and get the answer in the signed agreement.
Nothing here is legal or compliance advice. TCPA, Do Not Call, CAN-SPAM and state rules apply to how you use a list, whatever the provider's terms say.