Terms of service

1. Who we are, and what we are not

Vonta AI, LLC (“Vonta,” “we”) sells homeowner and property data, compiled from public records and licensed contact appends, to licensed mortgage professionals.

Vonta is not a lender, mortgage broker, mortgage loan originator, credit reporting agency, or consumer reporting agency. We do not originate loans, take applications, make credit decisions, provide credit reports, or recommend, rank, endorse or refer any particular loan officer to any consumer. Vonta is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs, the U.S. Department of Housing and Urban Development, the Federal Housing Administration, Ginnie Mae, or any other government agency. Program names such as “VA IRRRL” and “FHA Cash-Out” describe the recorded loan type on the property and nothing more.

2. Who may buy

You may buy only if all of the following are true:

• You hold a current mortgage loan originator, mortgage broker, or lender license — or a documented exemption — in every state where you will contact consumers using our data;
• You maintain an active Subscription Account Number (SAN) for the National Do Not Call Registry;
• You maintain your own internal, company-specific do-not-call list;
• You are acting on behalf of a business, not as a consumer;
• You are not a data broker, list broker, or reseller of consumer data.

We verify NMLS identifiers through NMLS Consumer Access before your first delivery, and we re-verify periodically. If we cannot verify you, we cancel the order and refund it in full. Providing false licensing information is a material breach and grounds for immediate termination without refund.

3. Pricing and payment

Prices are posted per lead and are identical for every buyer at the same published volume tier. Nothing you pay is contingent on whether a lead submits an application, is approved, or closes, and no buyer may purchase priority, placement, exclusivity beyond the posted tier, or preferential treatment of any kind.

Payment is due at purchase and is processed by Stripe. We do not receive or store your card details. All amounts are in U.S. dollars and exclusive of any applicable tax.

4. Tiers, exclusivity and delivery

• Exclusive — the record is delivered to you and suppressed from every other order for 90 days from delivery.
• Shared — the record is delivered to no more than three buyers in total, including you.
• Bulk — high-volume pulls, sold non-exclusively.

All tiers are delivered the same way: as a CSV emailed to the address on your account, typically within one business day of your order clearing verification. Fulfilment is performed by a person rather than an automated feed. We do not currently offer real-time delivery, webhooks, or CRM integrations, and we will not describe our delivery as instant.

5. Replacement and credit policy

We replace or credit records that are defective as data. A record qualifies if, within fourteen days of delivery, it is:

• a disconnected, invalid, or unassigned telephone number;
• a duplicate of a record already delivered to you within 90 days;
• outside the states or filters you purchased;
• missing a required field listed in the published data dictionary for that segment; or
• demonstrably not the property or owner of record it is represented to be.

Credits are not available because a homeowner declined, did not answer, was not interested, did not qualify, or did not close. Data quality is not the same thing as campaign outcome, and we will not pretend it is. Modeled fields being modeled is also not a defect — they are labeled as estimates precisely so this is clear before you buy. Submit claims to support@vonta.ai with the record identifiers and the reason.

6. Your obligations

The records we sell carry no consumer consent of any kind. Nobody on these lists submitted a form or asked to be contacted, so any outreach you make is cold contact. You are the caller, and compliance with the Telephone Consumer Protection Act, the Telemarketing Sales Rule, the National and state Do Not Call registries, state telemarketing statutes, Regulation N, the SAFE Act and applicable licensing law is yours alone. Specifically, you agree to:

• maintain your own National DNC Registry Subscription Account Number and scrub within your own 31-day cycle before calling;
• obtain your own prior express written consent before any autodialed or prerecorded call or text to a wireless number — nothing we deliver supplies that consent;
• honor revocation of consent made by any reasonable means within ten business days;
• observe federal and state calling-hour restrictions, using the consumer’s actual time zone rather than area code;
• maintain any state telemarketer registration and bonding your activity requires;
• keep your solicitations free of government seals or implied government affiliation, and free of rate, payment, savings, or “skipped payment” claims you cannot substantiate and deliver;
• never use our data, in whole or in part, as a factor in establishing eligibility for credit, insurance, employment, housing, or any other purpose governed by the Fair Credit Reporting Act;
• never target or exclude consumers on any basis prohibited by the Equal Credit Opportunity Act or the Fair Housing Act, or on a proxy for one;
• never resell, redistribute, sublicense, or transfer our data to any third party; and
• honor suppression and deletion requests we forward to you, within ten business days.

Full data-use terms are in the data licensing agreement, which is incorporated into these terms.

7. No performance guarantee

We make no representation about contact rates, conversion rates, close rates, revenue, or return on investment. Recommendations produced by our lead selector are advisory estimates about which products may suit your business, not predictions of outcome. Results depend on your pricing, your licensing, your scripts, your speed to dial, and market conditions we do not control.

8. Data accuracy

Recorded facts — loan type, recording date, original loan amount — come from the public instrument. Everything else on the mortgage side is modeled: estimated value, balance, equity, loan-to-value, current rate and lien position are derived from recorded terms, elapsed time and an automated valuation. They are estimates and nothing more. Telephone numbers are appended from licensed compilers and carry a match-confidence flag rather than a guarantee. There is no credit data on any record. Verify everything before you quote anyone.

9. Suspension and termination

We may suspend or terminate your account immediately, without refund, if we reasonably believe you have breached these terms, lost a required license, misrepresented your eligibility, resold our data, or generated a pattern of consumer complaints. We will tell you why.

10. Disclaimers and limitation of liability

Except as expressly stated, the data is provided “as is” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits. Our total aggregate liability arising out of or relating to these terms is limited to the amounts you paid us in the twelve months preceding the event giving rise to the claim.

Nothing in these terms limits liability for fraud, willful misconduct, or anything that cannot be limited under applicable law.

11. Indemnity

You will indemnify Vonta against claims arising from your use of the data, including claims under the TCPA, the TSR, state telemarketing law, Regulation N, or fair lending law that arise from your communications. We will indemnify you against claims that the data as delivered infringes a third party’s intellectual property rights, or that we materially misrepresented the provenance of the data in these terms.

We do not indemnify you against TCPA or telemarketing claims arising from your calls. No data vendor honestly can.

12. Governing law and disputes

These terms are governed by the laws of the State of [jurisdiction to be set by counsel], without regard to conflict-of-laws rules. The parties will attempt to resolve any dispute in good faith for 30 days before commencing proceedings.

13. Changes

We may update these terms. Material changes take effect 30 days after we post them and email account holders. Continuing to buy after that means you accept the change.

14. Contact

Vonta AI, LLC · compliance@vonta.ai