A “90-second buffer” does not explain a complete commercial policy. It could refer to a threshold before billing or to an eligibility condition for a credit. Ask the provider to define which, when measurement begins and what evidence records the event.
This guide explains duration-based campaign questions. It does not promise that every Ringelo call has a 90-second credit window.
Separate three decisions
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| Decision | Question to answer |
|---|---|
| Qualification | Does the caller meet the agreed campaign criteria? |
| Billing | What event causes a charge? |
| Credit | Under what conditions can an existing charge be reversed? |
A long conversation can fail a qualification criterion. A short conversation can meet one. Whether either creates a charge depends on the actual campaign, not a generic industry label.
Ask how duration is measured
Before buying a duration-based campaign, obtain the start event, end event, minimum duration and treatment of holds or interrupted connections. Ask whether time is measured from initial arrival, agent answer or another defined event. Confirm which report is used when the parties see different durations.
Do not infer that a listed threshold guarantees refunds for every shorter call. A pre-billing exclusion and a post-billing credit can have different operational effects.
Review a billing question
Record the call reference, applicable agreement, measured events, original billing decision and reason for review. Preserve the source record and any received credit. Keep unresolved requests separate from credits already applied when calculating costs.
Request the actual submission method, evidence requirements and review timing. This guide does not establish a particular vendor’s dispute deadline or guarantee a refund.
Ringelo’s criteria campaign
The criteria campaign costs $60 per qualifying lead. Its criteria are age 50–85, an active checking or savings account, and interest in final expense coverage. This campaign has no minimum call duration. Do not treat this as the price or billing rule for every campaign. A qualifying lead is not a guarantee of a sale or underwriting approval.
Measure the effect of credits
Use net charges after received credits for media cost per issued policy. Report pending requests separately; do not subtract a hoped-for credit as if it had already arrived. Add attributable labor and fees when reporting fully loaded cost.
The cost worksheet gives a worked example. The call-quality checklist helps separate qualification, handling and sales outcomes.