Compliance
This is cold data. Here is exactly what that means.
Plenty of vendors advertise “100% TCPA compliant, DNC scrubbed” records. For public-record property data that claim is not merely optimistic, it is false — nobody on the list consented to anything, so there is no consent for a vendor to pass along.
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
Four things happen before a file reaches you. Three are ours to run. One requires something from you, and no vendor can lawfully do it on your behalf without it.
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.
National DNC Registry — under your SAN
The FTC does not permit us to access the Registry under our own Subscription Account Number and hand the scrubbed output to buyers who hold no SAN. That is cost-sharing under 16 C.F.R. § 310.8(c), and the certification of purpose is made under penalty of law. So Registry suppression runs as a service under your own SAN, which you give us at signup. Registry data is used for suppression only and is never transferred, displayed, or used to build or enrich a list.
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.
Claims we will never make
“TCPA compliant.” “DNC compliant.” “TCPA-safe.” “Consented.” “Opt-in.” “Litigation-proof.” “Guaranteed safe to call.” “No SAN required.” 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 data, ever
No credit scores, no FICO bands, 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 mortgage figure we ship is either recorded in a public instrument or explicitly modeled.
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, and no proxies
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, age, 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.
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 volume tier. 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 order selector 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 and tiers to order.
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 maximise 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 optimise for our revenue, for what a buyer pays, or for a buyer’s tier. 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 favour 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.
- Maintain your own active National DNC Registry subscription and scrub within your own 31-day window before calling. No record we deliver is pre-cleared for your call.
- 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: compliance@vonta.ai. Homeowner privacy requests: privacy@vonta.ai.