Compliance
This is cold data. Here is exactly what that means.
Plenty of vendors advertise “100% TCPA compliant, DNC scrubbed” records. We say something different about both halves. Nobody in the property data consented to anything, so there is no consent for a vendor to pass along — and a National Do Not Call Registry scrub is not part of what you get by default. It is an optional paid add-on you tick per line at checkout; skip it and that line has never been checked against the Registry. Internet leads did begin with an opt-in, but it ran to the publisher who hosted the form, not to you, and it does not survive resale.
What a data seller can honestly offer is clean provenance, real suppression, accurate labels on modeled fields, and a straight answer about where its responsibility ends and yours begins. That is what this page is.
This page describes Vonta’s policies and practices. It is not legal advice, and it is not a substitute for your own counsel or your own compliance program.
Where the data comes from
Every record starts with a public record: a recorded mortgage or deed of trust, an assessor roll, a lien filing. Those tell us the property, the owner of record, the loan type, the recording date and the original loan amount. Those are facts, and we label them as such.
Everything else on the mortgage side is modeled. Current balance, available equity, loan-to-value and current interest rate are derived from the recorded original terms, elapsed time and an automated valuation. They are good enough to build a call list from and nowhere near good enough to underwrite from, and every one of those fields is labeled as an estimate everywhere it appears.
Contact details — phone numbers and mailing addresses — come from licensed data compilers matched to the owner of record. The homeowner did not give them to us. That is why each record carries a match-confidence flag rather than a claim of accuracy.
There is no inquiry, no form, no lead certificate and no consent record, because none of those things exist for public-record data. Any vendor who offers you property data and a consent artifact is selling you one or the other under a false description.
Sold, and not sold
- What this is
- Homeowner and property data from public records, plus licensed contact appends and clearly labeled modeled mortgage estimates.
- What it is not
- Not consumer inquiries. Not consented or opt-in records. Not trigger leads. Not consumer reports. Not prescreened lists. Not a firm offer of credit.
- Our role
- Vonta is a data seller. Not a lender, not a mortgage broker, not a consumer reporting agency. We do not originate loans, take applications, make credit decisions, rank loan officers, or contact homeowners on your behalf.
What “suppressed” means here
Three things happen to every file before it reaches you, on both product lines. None of them discharges your own obligations, and one pass you may be expecting is not among them — the National Do Not Call Registry scrub, which runs only on the lines you buy the add-on for. The Telemarketing Sales Rule puts that duty on the person placing the calls, so your own registry access, your own internal do-not-call list and your own read on state calling rules stay yours either way.
Internal opt-out list
Every record is checked against our own do-not-contact list, every deletion request we have received, and every suppression request passed back to us by a buyer — on the original pull and on every repull.
Known-litigator suppression
Serial TCPA plaintiffs and known litigator numbers are removed before delivery using a commercially maintained suppression list. This lowers exposure. It does not remove it, and we won't pretend otherwise.
Phone match confidence
Numbers are appended from licensed compilers rather than supplied by the homeowner, so every record carries a match-confidence flag. A low-confidence match is disclosed as one instead of being sold as a verified number.
The National DNC Registry scrub: an add-on, not the default
No file reaches you Registry-suppressed unless you bought the DNC scrub add-on on that line — $0.20 per record, ticked per line at checkout. Where you do buy it, the line goes to a licensed compliance vendor that holds the registry access, runs the pass and returns the file suppressed; registry data never reaches Vonta’s systems. Where you do not, nothing on that line has been checked against the Registry at all.
Buying it does not move the duty. Scrubbing the Registry under your own Subscription Account Number, the applicable state lists, and your own internal list is yours to do before you dial, on scrubbed lines as much as unscrubbed ones. That is not us shifting a burden onto you — 16 C.F.R. § 310.4(b)(3) puts it on the seller and telemarketer placing the call, and the FTC does not let a purchaser discharge it by relying on a vendor’s scrub. Treat the add-on as a second net, never as the first one.
Internet leads are not an exception. The consumer did submit a form and did opt in — to the publisher that ran it and the sellers named on it at that moment. That permission does not transfer to a later buyer, and the inquiry-based established-business-relationship exemption runs three months from the inquiry (16 C.F.R. § 310.4(b)(1)(iii)(B)(ii); 47 C.F.R. § 64.1200(f)(5)) — shorter than four of the five age bands we sell. Whether an exemption reaches a given record is your call to make with your own counsel. We make no representation that it does.
Claims we will never make
“TCPA compliant.” “DNC compliant.” “TCPA-safe.” “Consented.” “Opt-in.” “Litigation-proof.” “Guaranteed safe to call.” We also will not indemnify you against TCPA claims or tell you this data carries TCPA insurance — courts have enforced indemnity against data sellers, most general liability policies exclude TCPA claims, and a promise like that mostly invites the claim it pretends to absorb.
What we refuse to sell
No credit-bureau data, ever
No consumer reports, no bureau scores, no tradelines, no inquiry history, no delinquency data, and no bureau-sourced balances. Including any of it would make the file a consumer report and us a consumer reporting agency under 15 U.S.C. § 1681a(f). Every figure we ship is either recorded in a public instrument or explicitly modeled — including the optional credit add-on, which is a modeled estimate built from non-bureau sources, labeled as such, and prohibited from any FCRA use by our license terms.
No mortgage trigger leads
We do not buy, blend, enrich with, or sell credit-bureau mortgage trigger leads. The Homebuyers Privacy Protection Act amended FCRA § 604(c) effective 4 March 2026 to restrict inquiry-triggered reports to the consumer's current originator, current servicer, an insured depository holding their account, or a documented consumer opt-in. A third-party data seller is none of those.
No 'prescreened' or 'pre-approved' anything
We are not a lender and cannot extend credit, so we cannot make a firm offer of credit. Nothing here is pre-approved, pre-qualified, credit-verified, or eligibility-confirmed. Any vendor telling you otherwise is misdescribing either their data or the law.
No protected characteristics as targeting inputs
We do not collect, append, model, segment on, or sell data about race, color, national origin, religion, sex, sexual orientation, gender identity, marital or familial status, disability or health status, or receipt of public assistance — nor surname-derived ethnicity, primary language, or census-tract-level geography used as a stand-in for any of them. Date of birth ships only inside the optional credit add-on, as a delivered data field: it is never a selection criterion, never a filter, and never an input to the selector, and using it — or anything else in the file — to target or exclude on age is prohibited by the license.
No claim of consent
This is the important one. These records are built from public records. Nobody filled in a form, nobody asked to hear from you, and no record carries consent to be contacted. We will never describe this data as consented, opt-in, TCPA compliant, or safe to call, because it is none of those things.
No outcome-contingent pricing
Pricing is flat per record and identical for every buyer at the same order spend. We never charge per application, per funded loan, per closing, or as a share of revenue, and no buyer can pay for priority or preferential selection. RESPA § 8 makes contingent compensation for referrals of settlement service business a serious problem and we won't structure around it.
How the “Help me choose” tool is constrained
The selector takes a description of your business — the states you are licensed in, the products you can originate, your budget, how many seats you have and how quickly you work a list — and recommends which segments to order and how to split the budget.
Every input describes the buyer. None describes a homeowner. The model recommends segments; it does not score individuals, build audiences, or decide who gets contacted.
This matters because ECOA and the Fair Housing Act both reach targeting decisions in credit and housing. A model given record-level features and told to maximize conversion will rediscover geographic, linguistic and demographic proxies for protected classes on its own. The safe architecture is not to give it that job, so we don’t.
The selector is also not permitted to optimize for our revenue, for what a buyer pays, or for how much a buyer spends. A rules engine builds a budget-feasible order first; the model may improve it and must explain it; and any plan that exceeds the stated budget or falls below a segment’s minimum is rejected in favor of the deterministic one.
Never used as an input
- Race, color, ethnicity, national origin
- Religion
- Sex, sexual orientation, gender identity
- Marital or familial status, pregnancy, children
- Disability or any health data
- Age or date of birth
- Receipt of public assistance
- Surname-derived ethnicity inference
- Primary language or language-preference signals
- Census-block or tract-level geography
- Purchased demographic or affinity appends
- Lookalike or mirror audiences
The selector produces advisory recommendations about inventory. It makes no promise about contact rate, conversion, ROI or revenue.
Your obligations as the buyer
Because no record carries consent, contacting anyone on these lists is cold outreach and you carry the entire obligation. These are the terms every Vonta buyer agrees to, and the ones we will terminate an account over.
- Scrub every file against the National Do Not Call Registry under your own Subscription Account Number before you call it. Unless you bought the DNC scrub add-on on a line, nothing on it arrives Registry-suppressed — and even where you did buy it, the FTC does not let a purchaser discharge its own Registry obligation by relying on a vendor's scrub.
- Maintain your own internal, company-specific do-not-call list and honor it for five years.
- Honor revocation of consent made by any reasonable means, within ten business days, per 47 C.F.R. § 64.1200(a)(10).
- Get prior express written consent before any autodialed or prerecorded call or text to a wireless number. Nothing in this data supplies that consent for you.
- Observe federal calling hours and the stricter state windows — several states cut off at 8:00 p.m., and a late call is a criminal misdemeanor in Michigan. Area code is not a lawful proxy for the homeowner's time zone.
- Meet the heightened consent and registration standards in states that impose them, including Florida, Oklahoma, Maryland, Washington, New Jersey and Texas.
- Keep your solicitations free of government seals and any implied VA, FHA or HUD affiliation, and never imply you are the homeowner's current lender or servicer.
- Never use our data for any FCRA-permissible purpose — no credit, insurance, employment, housing, or tenant-screening eligibility decisions.
- Never resell, redistribute, or sublicense the data.
Fair lending and equal opportunity
Vonta supports the letter and spirit of the Equal Credit Opportunity Act and the Fair Housing Act. We do not discriminate, and we do not build products that let anyone else discriminate through us, in the sale or targeting of mortgage and property data.
We do not segment inventory, price it, or recommend it on any prohibited basis or on a proxy for one. Buyers agree not to use our data to target or exclude homeowners on a prohibited basis, and that obligation survives whatever happens to the regulatory interpretation of disparate impact — Fair Housing Act liability and intentional proxy use under ECOA are unaffected, and several state fair-lending laws retain the effects test independently.
Homeowner rights
If you’re a homeowner: you can ask what we hold about you, correct it, delete it, and stop us selling or sharing it. No account, no fee, no explanation required. We honor Global Privacy Control signals automatically.
The documents
Terms of service
Who may buy, what you may do with the data, replacement policy, liability.
Data licensing agreement
Permitted use, no-resale, suppression duties, FCRA prohibition, audit rights.
Privacy notice
What we collect, that we sell it, to whom, and every right you have over it.
DNC & calling policy
Our internal do-not-call policy, suppression architecture, and revocation handling.
Compliance questions, audit requests, and supplier diligence: support@vonta.ai. Homeowners wanting their data deleted or their information kept out of what we sell should use the opt-out and deletion form — it records the request and starts our response clock immediately.