Terms of Sale

Last updated November 11, 2026. Seller: , doing business as Dial House ("Seller"). Buyer: the person or company placing the order ("Buyer"). Checking the box at checkout or paying for an order means Buyer accepts these terms.

1. What the leads are

These are public-record homeowner leads with appended contact data, not opt-in leads.

  • Source: county and state property sale records, public mortgage data (HMDA) and HUD FHA data. Each lead is an individual who bought and lives in the home; companies and trusts are removed.
  • Phones and emails: appended by a third-party data provider. Numbers can be out of date. No connection or accuracy rate is guaranteed.
  • No consent on file: the homeowners did not fill out a form or agree to be contacted. There is no Jornaya LeadiD or TrustedForm certificate, and none can be provided.
  • Scrubbed: each phone number is checked against a TCPA known-litigator list and matches are removed. Numbers are not scrubbed against the National or any state Do Not Call list.
  • Area fields (typical loan amount, rate, % FHA and VA, buyer income, top lenders) describe the neighborhood, not the homeowner's own mortgage.

2. Tiers

  • Exclusive (purchased 0–90 days before delivery): sold to one buyer only and never resold.
  • Shared (0–180 days): sold to no more than 3 buyers in total.
  • Aged (6–12 months): sold to no more than 5 buyers in total.
  • Deep Aged (12–24 months) and Archive (24+ months): no buyer limit.

3. Buyer's compliance responsibilities

Buyer alone decides how to contact these leads and is solely responsible for following every law that applies to that contact.

  1. Do Not Call: before calling or texting, Buyer checks every number against the National Do Not Call Registry and any applicable state Do Not Call list, and honors every opt-out request.
  2. Automated calls and texts: Buyer will not use an autodialer, prerecorded or artificial voice (including AI voice), or automated, bulk or AI-generated texting on these leads unless Buyer has the homeowner's prior express written consent. Seller provides no such consent.
  3. Calling rules: Buyer follows federal and state calling-hour limits, identification rules and state telemarketing laws, including stricter states such as Florida, Oklahoma and Washington where applicable.
  4. Licensing: Buyer only contacts leads in states where Buyer holds an active insurance license.
  5. No FCRA uses: Buyer does not use this data to set rates, underwrite, or decide eligibility for insurance, credit, employment or housing.
  6. Responsibility: Buyer accepts full responsibility for any TCPA, Do Not Call, state telemarketing or other claim arising from Buyer's outreach.

4. Use, sharing and liability

  • Own use only: Buyer will not resell, share, give away or upload the leads for anyone else.
  • Data security: Buyer keeps the file private and deletes a homeowner's record on request.
  • No refunds for bad numbers: because contact data is appended from third-party sources, bad, disconnected or wrong numbers are not refunded or replaced. Seller may replace leads as a courtesy.
  • No guarantee: Seller makes no promise of contact rates, appointments or sales. Leads are sold as-is.
  • Limit of liability: Seller's total liability for any order is limited to the amount Buyer paid for that order.
  • Indemnity: Buyer will cover Seller's costs, including legal fees, from any claim caused by Buyer's outreach or breach of these terms.

5. Availability, delivery and short orders

  • Availability is shown by state and tier as an estimate, because contact data is added after an order is placed.
  • In stock: order any quantity. Limited: orders are capped at the amount shown. Waitlist: the order is filled when new records come in, usually within 1–2 weeks; Buyer may cancel for a full refund before delivery.
  • Delivery: In stock and Limited orders are delivered by email as a CSV within 24–48 hours of payment.
  • Short delivery: if Seller delivers fewer leads than Buyer paid for, Buyer gets a pro-rated refund or store credit for the difference, Buyer's choice. This covers quantity only.

6. Payment

Orders are paid in full at checkout through Stripe. Prices are per lead, sold in blocks of 1,000.

7. Governing law

These terms are governed by the laws of South Dakota.

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