Welcome to the Web site operated by National Lead Service, LLC. ("National Lead Service"). We maintain this Web site as a platform for clients to download materials. By using this Web site, you are agreeing to comply with and be bound by the following terms of use and you are agreeing to be bound by these Terms of Use, and that such agreement constitutes a legal and binding contract between you and National Lead Service.

Please review the following terms carefully. If you do not agree to these terms, you have no right from National Lead Service to obtain information from or otherwise use this Web site. Failure to use this Web site in accordance with the following terms of use may subject you to severe civil and criminal penalties.

Introduction:
You agree to the terms and conditions outlined in this Terms of Use Agreement ("Agreement") as well as our Privacy Policy which can be accessed here with respect to this Web site (the "Site"). This Agreement may be amended at any time by us from time to time without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to each use of the Site.

Copyright:
The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed under "Limited Right to Use" below, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting by National Lead Service of information or materials on the Site does not constitute a waiver of any right in such information and materials.

Limited Right to Use:
The viewing, printing or downloading of any content, code, video, audio, graphic, form or document from the Site grants you only a revocable, nonexclusive license for use solely by you for personal, noncommercial purposes limited to the use as is reasonably required to view and listen to the content and navigate through the pages and links generally available to the public using a standard Internet browser and standard media player, and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works or other use. No part of any content, graphic, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal, noncommercial use (but not for resale or redistribution).

User Eligibility:
Our services are only available to principles and employees of duly organized and licensed mortgage brokers or  lenders whose state licenses are in good standing and who meet our eligibility requirements.  National Lead Service reserves the right to determine the Eligibility Criteria of Broker’s to receive leads. “Eligibility Criteria” shall mean the following:

1. Broker must be licensed and in good standing as a residential mortgage broker in all applicable jurisdictions with all applicable regulatory authorities;
2. Broker must not engage in, be known to or have a reputation for engaging in, predatory lending practices or other conduct which violates applicable law, regulations, rules of conduct or ethics codes of brokers;
3. Broker must not engage in fraud or unfair competition or practices in violation of privacy and/or anti-spam laws;
4. That neither you nor anyone in your charge engages or condones any prohibited activity(s) or conduct referenced above; and
5. That you are authorized to enter into this Agreement and that the performance of the respective obligations hereunder do not violate any other agreement to which you are a party.
6. That you agree not to transfer, sell, rent, disclose, or disseminate the data you purchase from this site to any 3rd party not employed you by for the sole purpose of originating mortgage loans by the buyer of record.
7. If after you contact a Mortgage Lead, and the consumer requests to be removed from any further contact from you and/or National Lead Service, you agree to comply with this request and pass on the Consumer’s request to customerservice@nationalleadservice.com within ten (10) business days of receipt of that request.
8. To comply with all State and Federal Do Not Call Laws. Despite our efforts to ensure our leads are within Do-Not-Call legal guidelines, National Lead Service cannot legally stand in your place and absolve you from your responsibility to be in compliance with the law. State and federal Do-Not-Call registries exist to prevent unsolicited telemarketing calls, not calls from persons who have asked to be contacted. Under Federal rules (and most all states), “safe harbors” exist to allow a Consumer to expressly grant permission to be contacted even though they have registered their phone number with a state or federal Do-Not-Call registry. A Consumer submitting a Quote Request via the internet to National Lead Service is granting permission to be contacted and under safe harbor rules they may be contacted up to 90 days after they submitted the permissive contact Quote Request. We, along with those affiliates contracted with us, take extraordinary steps to ensure the Consumer knows and understands that by submitting their Quote Request they are granting express permission to be contacted by one or more brokers or lenders signed up with us, even if they are registered on a Do-Not-Call registry. We also provide to the Consumer a list of all brokers and lenders subscribing to our service who may be contacting them. Finally we record the date, time and IP address for all Quote Requests received by us and can make such data available to you should you need to show when and from where permission to be contacted occurred. NEVERTHELESS, and despite our extraordinary efforts, current law holds you, the caller (telemarketer) responsible to comply with the Do-Not-Call rules. THEREFORE, if you are unsure about your exposure to fines under the Do-Not-Call laws, we recommend that you work with your independent counsel to develop and implement a compliance plan for your business.

Buying Data (Leads):
You may only purchase leads once your account has been activated and verified and there are sufficient funds on deposit in your user account to purchase the leads you choose. Your account shall be debited for the cost of the lead(s) you ordered when those leads are available to you for download from your National Lead Service regardless of the service level and delivery method you choose. It is your responsibility to manage your own account activity. FROM TIME TO TIME SPECIAL LEAD PRICES AND PROMOTIONS ARE EXTENDED TO BROKER SUBSCRIBERS. WHEN OFFERED, SPECIAL LEAD PRICES ARE EXTENDED TO ACCOUNT HOLDERS ON THE EXPRESS CONDITION THAT THE ACCOUNT HOLDER PURCHASE THE ENTIRE LEAD VOLUME COMMITMENT AGREED TO IN THE OFFER EXTENDED. SHOULD YOU ACCEPT AND PARTICIPATE IN ANY SUCH SPECIAL LEAD PRICE OFFERS AND PROMOTIONS, ANY REDUCTION IN THE CONTRACTED VOLUME COMMITMENT OR REQUEST FOR ACCOUNT TERMINATION PRIOR TO YOU FULFILLING YOUR TOTAL PURCHASE COMMITMENT UNDER THE PROMOTION, WILL VOID THE PROMOTIONAL PRICING RETROACTIVE TO THE START DATE OF THE PROMOTION ITSELF AND WILL RESULT IN A FULL CURRENT MARKET PRICE CHARGE ASSESSMENT BEING LEVIED FOR EACH LEAD PURCHASED FROM THE PROMOTION START DATE UP TO THE POINT OF REDUCTION OR TERMINATION. All leads sold by National Lead Service are non-exclusive and may be sold to multiple brokers according to filtering criteria established by individual brokers and the lead data itself. A twenty-five ($25) dollar per calendar month administrative fee applies to all open accounts with no activity during that month. An automatic debit from your account in the amount of $25 will occur each calendar month your account remains inactive. This administrative fee is waived each month IF you actively utilize your account by purchasing a lead(s).
There are currently two service levels available to you, Auto-Routed Leads and Manually selected leads through our Cherry Picker. You can combine the levels of service if you choose at any time. Lead costs vary depending on the type of service you request and the type and age of lead requested. Regardless of the level of service and type of lead requested, with the exception of your initial Block and volume commitments set forth in your initial Broker Order, if you decide to buy leads, the price for the leads will be based on the National Lead Service pricing schedule in effect at the time you buy the leads. YOUR PURCHASE IS A BINDING CONTRACT subject to the guarantee, return, refund policies and other terms set forth in this Terms of Service Agreement and in your initial Broker Order. Your account will be immediately debited for the total initial commitment amount(s) you agreed to in your Broker Order. After your Initial Commitment is satisfied as set for below, your account will be immediately debited for the total purchase amount based upon the current market price for the leads you accept as stated in the National Lead Service pricing schedule in effect at the time you buy the leads. Your account shall be debited for the cost of the lead(s) you ordered at the time those leads are made available to you for download through your National Lead Service account regardless of the service level and delivery method you choose or your actual retrieval of the leads.

Auto-Routed Lead Funding, Initial Volume Commitment:
By establishing your user account for Auto-Routed lead delivery, you are committing yourself to purchase an initial block of leads to be delivered to your user account during the first sixty (60) days of service. Leads will be automatically delivered to your user account each business day during this sixty (60) day period or until your initial funding deposit is exhausted, according to the filter criteria you select. Filter criteria can be changed as often as you choose if paying the published price per lead. For discounted leads, you will be subject to the initial filters you agreed to when your account was set-up unless National Lead Service waives  this. It is your responsibility to manage your own account. On or before the 60th day of your block commitment, you must purchase a sufficient quantity of leads to satisfy your initial National Lead Service commitment to us in full. If you do not, you hereby grant us permission to automatically purchase the quantity of leads sufficient to satisfy your initial funding commitment and to automatically deliver to your account that day, regardless of any daily volume limitations you have previously established. You further hereby authorize us to use the remaining funds and unused lead credits in your initial funding deposit on the 61st day for the final lead delivery payment. You will be charged a fee per lead for those leads auto-routed to your user account as called out in your initial funding commitment or the close of business on the 60th day following your account activation, whichever occurs first. Your initial Funding Commitment is non-cancelable during the initial sixty (60) day period following your user account activation date. Your Initial Funding Commitment fee is non-refundable once your account is activated. Beginning on the 61st day following your user account activation, our normal and customary per lead charges in effect each time you log into your account to purchase a lead shall apply to all leads purchased through your user account. Prices subject to change without notice.

Minimum Cherry Picker Lead Volume Commitment:
By establishing your user account for Cherry Picker lead delivery, you are committing yourself to purchase an initial number of leads to be delivered to your user account during the first sixty (60) days of service. You will be immediately charged an initial volume commitment fee based upon your lead volume commitment. You must manually choose the leads you would like from our Cherry Picker lead inventory. You have sixty (60) calendar days from the date your user account is activated to access, download and accept Leads from our Cherry Picker lead inventory. You have sixty (60) calendar days from the date your user account is activated to, up to the total volume of leads you committed to in your Broker Order. On or before the 60th day of your funding commitment, you must purchase a sufficient quantity of leads to satisfy your initial funding commitment to us in full. If you do not, all unused lead credits remaining in your initial deposit on the 61st day will be used to automatically purchase the quantity of leads of the type last purchased through your account sufficient to satisfy your initial funding commitment which shall be automatically delivered to your account that day, regardless of any daily volume limitations you have previously established. During the first sixty (60) calendar days after your user account is activated, you will not be charged an additional per lead fee for those Cherry Picker lead inventory. You have sixty (60) calendar days from the date your user account is activated to leads chosen by you and routed to your user account until you have accepted and downloaded the total number of leads called out in your initial Cherry Picker lead inventory. You have sixty (60) calendar days from the date your user account is activated to spend our initial deposit with us or the close of business on the 60th calendar day following your account activation, whichever occurs first. Your initial Cherry Picker Funding Commitment is non-cancelable during the initial sixty (60) day period following your user account activation date. Your Initial Cherry Picker Volume Commitment fee you paid at the time you established your user account is non-refundable once your user account is activated, even if you fail to choose, accept and download all or any portion of the leads agreed to in your initial volume commitment. Beginning on the 61st day following your user account activation, our normal and customary per lead charges in effect each day you each time you log into your account to purchase a lead shall apply to all leads purchased through your user account. Prices subject to change without notice.

Account Funding:
We offer three methods by which you may fund your account.
POSITIVE ID IS REQUIRED FOR ALL CHECK AND CREDIT CARD FUNDINGS.

(1) Credit card: WHEN YOU USE THIS WEBSITE TO PLACE ANY AMOUNT OF YOUR NATIONAL LEAD SERVICE ACCOUNT DEPOSITS ON YOUR CREDIT CARD, YOU ARE THE ONE MAKING THE CHARGE, NOT NATIONAL LEAD SERVICE . ONLY YOU CAN MAKE A CHARGE AGAINST YOUR CREDIT CARD; NATIONAL LEAD SERVICE DOES NOT STORE YOUR FULL CREDIT CARD NUMBER WHEN YOU USE YOUR CREDIT CARD TO FIND YOUR NATIONAL LEAD SERVICE ACCOUNT NOR DO WE MAKE ANY REOCCURING CHARGES AGAINST YOUR CREDIT CARD UNLESS YOU GRANT US FULL AUTHORIZATION TO DO SO IN WRITING. If you use a credit card to fund your account, YOU AGREE TO NOT CHARGE BACK YOUR CARD for any reason until you contact us to try and resolve your dispute. If you are dissatisfied with our services or any Lead or Leads you have purchased using your credit card you must follow the return/refund policy and procedures set forth under this Terms of     Use Agreement. In the event you breach this term and you charge back your credit card for all or partial amounts within your account, we will dispute the chargeback if we feel your claim is without merit. If we are successful, you will be charged an administrative service fee of one hundred ($100) dollars, which you agree to pay in addition to the amount of the Lead purchase fee due for Leads you have received to the date of the chargeback. Your user account balance will not reflect a deposit made until your credit card company has processed your payment into National Lead Service’s merchant account. This date may differ from the date you actually authorize your payment.

(a) Credit Card Protection Policy: In an effort to protect both National Lead Service and You from experiencing an unauthorized use of your credit card, the following policies are mandatory for all brokers when funding accounts using a credit card. NO LEADS WILL BE ROUTED TO YOUR ACCOUNT UNTIL THE FOLLOWING ID VERIFICATION SAFEGUARDS HAVE BEEN FULFILLED:

1. For all New Broker accounts funded with a credit card: You must provide our accounting department with a legible fax of an enlarged copy of your driver's license and Credit Card used to fund your account. You may fax these to 949-625-7540. The name on both the driver's license and the credit card must be the same, NO EXCEPTIONS. If you prefer, you may block out all but the last 5 digits of the credit card number prior to faxing it. The faxed document must reference the broker account number you have been assigned when you opened your account.
2. For all Existing Broker accounts funded with a different credit card: If you are funding your existing account with a credit card other than the one used to open your account initially, you must provide our accounting department with a legible fax of an enlarged copy of your driver's license and Credit Card used to fund your account. You may fax these to 949-625-7540. The name on both the driver's license and the credit card must be the same, NO EXCEPTIONS. If you prefer, you may block out all but the last 5 digits of the credit card number prior to faxing it. The faxed document must reference the broker account number you have been assigned when you opened your account.
3. For all Existing Brokers opening additional accounts: You must provide our accounting department with a legible fax of an enlarged copy of your driver's license and Credit Card used to fund your additional account. You may fax these to 949-625-7540. The name on both the driver's license and the credit card must be the same, NO EXCEPTIONS. If you prefer, you may block out all but the last 5 digits of the credit card number prior to faxing it. The faxed document must reference the broker account number you have been assigned when you opened your account.

(2) Check or Draft: If you use a check, including a fax check to 949-625-7540, you agree to not stop payment on the check for any reason. If you are dissatisfied with our services or any Lead or Leads you have purchased using your check or draft you must follow the return/refund policy and procedures set forth under this Terms of Service Agreement. If your check or draft is not honored by the bank for any reason, you are subject to and will be charged a return check fee equal to three (3) times the face value of the check up to a maximum of one hundred ($100) dollars, which you agree to pay in addition to the check face amount. Your user account balance may not reflect a deposit made into your user account until your check been deposited into our bank, processed and has cleared your bank. This date may differ from the date you send your payment or the date we receive your check. ALL CHECKS MUST BE ACCOMPANIED BY A CLEAR ENLARGED COPY OF A VALID DRIVER'S LICENSE FOR THE SIGNER OF THE CHECK.

(3) PayPal: If you use PayPal, payments are to be made to National Lead Service’s PayPal vendor account at paypal@nationalleadservice.com. YOU AGREE TO NOT REQUEST A CHARGE BACK AGAINST THE CREDIT CARD used to fund the PAYPAL payment for any reason. If you are dissatisfied with our services or any Lead or Leads you have purchased using your credit card you must follow the return/refund policy and procedures set forth under this Terms of Service Agreement. In the event you breach this term and you charge back your credit card for all or partial amounts within your account,  will be charged a collection fee of one hundred ($100) dollars, which you agree to pay in addition to the amount of the lead purchase fee due for leads you have received to the date of the chargeback. Your user account balance will not reflect a deposit made until PayPal has processed your payment into National Lead Service, Inc.'s PayPal account. This date may differ from the date you actually authorize your payment.
In any of the above circumstances, ALL UNPAID ACCOUNTS WILL BE SENT TO COLLECTIONS. In addition to the account balance owed to us, you will be responsible to pay any collection costs of not less than 40% of the outstanding balance in addition to reasonable attorney fees and court costs.  We send all delinquent accounts directly to collections.

Lead Content and Limited Guarantee:

Auto-Routed Leads:
This is the most convenient and highest level of service available. Lead costs reflected under this superior level of service are influenced by the filter choices you make. By electing this level of service, leads are automatically sent to you each business day based upon the filter criteria you choose. When reference is made on our website as to the age of a lead, that age is stated in terms of business days, not calendar days.
Leads are procured from varying commercial resources. National Lead Service employs internal data validation procedures and makes every effort to ensure you receive only valid leads. These efforts may include a 24 hour lock-down period to phone verify the leads before they are distributed. Nevertheless, as the actual age of the data received may be different than the date National Lead Service received the lead, occasionally a lead may contain information that, though consistent with our validation criteria, is no longer valid.
We offer a Limited guarantee that each Auto-Routed Lead to be a valid lead as defined in the “Definitions” section of this Agreement. Leads provided under your Initial Funding Commitment that are subsequently shown to be Invalid Leads as defined in prior sections of this Agreement, will be replaced with a valid lead or be issued a store credit to your National Lead Service account for the cost of invalid lead up to the maximum return allowance as defined in subsequent sections of this Agreement. YOU ARE NOT ENTITLED TO ANY CASH REFUNDS DURING YOUR INITIAL FUNDING COMMITMENT PERIOD. For leads purchased after your initial Funding Commitment period, we will issue a store credit to your National Lead Service account for the amount you paid for an Automatically Routed Lead that is subsequently shown to be an Invalid Lead as defined in prior sections of this Agreement according to our standard lead dispute and refund policy set forth in this Agreement.

Data provided within a lead is inputted solely by the Consumer and not National Lead Service or anyone affiliated with us. Consumers do not submit their contact information directly to National Lead Service. A lead may come to National Lead Service from a variety of provider commercial sources only some of which may be owned by us. WE DO NOT GUARANTEE THE AGE OF THE DATA CONTAINED IN A LEAD, THE AGE OF THE CONSUMER'S OPT-IN REQUEST OR WITH WHOM THEY ORIGINALLY SUBMITTED THEIR OPT-IN CONTACT INFORMATION OR THAT THE CONSUMER, WHEN CONTACTED, WILL REMEMBER SUBMITTING THEIR CONTACT INFORMATION ON AN OPT-IN REQUEST. WE DO NOT GUARANTEE THAT THEIR EMAIL ADDRESS IS CORRECT OR THAT THEIR STATED HOME VALUE, REQUESTED LOAN AMOUNT, CREDIT QUALITY, OR INTEREST RATE IS EXACTLY CORRECT AS THESE ARE ESTIMATES ENTERED BY THE CONSUMER WHEN COMPLETING THE APPLICATION. HOW YOU APPROACH AND HANDLE EACH LEAD IS UP TO YOU AND NOT UNDER THE CONTROL OF NATIONAL LEAD SERVICE. AS SUCH, WE DO NOT GUARANTEE YOUR RESULTS OR THAT YOU WILL CLOSE ANY LOANS WITH OUR LEADS. Since most of our leads are non-exclusive, the Consumer may have started a loan process with another Loan Officer, so this is not a valid reason for a dispute, refund or credit. Similarly, Consumers often will change their mind after they submit a request for contact and thus may not be willing to apply for a loan with you, so this is not a valid reason for a dispute, refund or credit. We recommend contacting the Consumer as soon as you get the lead so you can be the first to earn their business.

National Lead Service reserves the right to change or adjust this policy without prior notice to you. You are therefore encouraged to periodically review this Terms of Use Agreement.

Cherry Picker (Vintage) Leads:
Log into your account. Lead costs are discounted for this level of service and leads may range in age from one (1) business day to fourteen (14) business weeks old. Since these leads are non-exclusive and these Leads tend to be older than the leads provided under the Auto-Routed Leads option stated above, there is a chance the Consumer may already be working with another Loan Officer so this is not a valid reason for you to dispute the lead. However, we find that brokers still have a great return on their investment with our older leads.
Cherry Picker (Vintage) leads older than two business days are sold "As-Is" and no warranty or guarantee is expressed or implied and you assume all risks relating to that lead and your use of it. NO REFUNDS OR STORE CREDITS WILL BE GIVEN ON ANY CHERRY PICKER LEAD OLDER THAN TWO (2) BUSINESS DAYS FROM ITS MAKING -NO EXCEPTIONS.

Data provided within a lead is inputted solely by the Consumer and not National Lead Service. WE DO NOT GUARANTEE THE AGE OF THE DATA CONTAINED IN A LEAD OR THAT THEIR EMAIL ADDRESS IS CORRECT OR THAT THEIR STATED HOME VALUE, REQUESTED LOAN AMOUNT, CREDIT QUALITY, OR INTEREST RATE IS EXACTLY CORRECT AS THESE ARE ESTIMATES ENTERED BY THE CONSUMER WHEN COMPLETING THE APPLICATION. WE DO NOT GUARANTEE THAT THE CONSUMER HAS NOT CHANGED THEIR MIND OR THAT THEY HAVE NOT ALREADY REFINANCED WITH ANOTHER BROKER. These leads are discounted to accommodate for such circumstances. As they are older leads and likely previously distributed leads, these situations are likely to occur. How you approach and handle each Lead is up to you and not under the control of National Lead Service . As such, WE DO NOT GUARANTEE YOUR RESULTS OR THAT YOU WILL CLOSE ANY LOANS WITH OUR LEADS.

National Lead Service reserves the right to monitor your disputes and returns to determine their validity. National Lead Service reserves the right to verify your dispute rationale and in our sole discretion, determine if your dispute is valid. In the event your dispute is determined to be without merit, the charge for the valid lead will stand against your account, no credit will be issued, and a dispute validation penalty will automatically be charged to your account according to the terms set fort in our Lead Return Policy. You will be notified via your account report of our actions to accept or deny your dispute within ten (10) working days of receipt of your dispute. ABUSE OF THIS RETURN POLICY WILL NOT BE TOLERATED. In the event we determine in good faith that your dispute is without merit according to our lead return policy and that you are abusing our return policy based upon the number or frequency of disallowed returns, in addition to not receiving a credit of the lead cost, your account will automatically be charged a dispute validation fee of $10 for each disputed lead proven to be without merit. In addition to all other remedies under this contract and in law, National Lead Service reserves the right to terminate your account if abuse of this Lead Return Policy is proven to exist. We provide each account with a maximum dispute percentage of 20% of the gross leads purchased.

National Lead Service reserves the right to change or adjust this policy without prior notice to you. You are therefore encouraged to periodically review this Terms of Use Agreement.

DISPUTED LEAD RETURN POLICY: (PLEASE READ CAREFULLY!)
Auto-Routed Leads: YOU ARE ALLOWED TO RETURN A MAXIMUM OF 20% OF THE TOTAL NUMBER OF INVALID LEADS YOU PURCHASED EACH CALENDAR MONTH. ALL RETURNS WILL BE VERIFIED FOR VALIDITY AND MAY BE REJECTED IF YOUR RETURN REASON IS WITHOUT MERIT. If any lead provided to you does not contain valid basic contact information as described in the previous guarantee section, within five (5) days of purchase simply go to the "Dispute section" after logging into your account at www.nationaleadservice.com. Then click on Dispute Lead and insert the Lead Id and reason for returning the Lead. Dispute percentages are electronically monitored and limited to a maximum of 20% of your total lead purchase volume for a calendar month. Disputes may be processed electronically unless your account has exceeded the return percentage maximum.

Subject to the maximum allowable return limit above, Replacement Leads or store credit shall be provided for Invalid Leads, however replacements shall not be provided for Leads where Consumers have elected not to use Broker's services. Broker hereby agrees to notify National Lead Service in writing (via email to returns@NationalLeadService.com) of any Invalid Leads within five (5) calendar days of their delivery to Broker, which notice shall specify the invalidation criteria that is not met. LEADS MAY NOT BE RETURNED AFTER FIVE (5) CALENDAR DAYS AFTER DELIVERY. Following National Lead Service’s confirmation of any Invalid Leads, National Lead Service shall provide replacement Leads. Lead returns can be processed using the automated lead dispute system found on the www.nationalleadservice.com website. Disputed leads will require customer service verification and manual processing. In such circumstances, you will be provided a name and contact phone number to call to complete your dispute.

Cherry Picker Leads: Cherry Picker leads older than two (2) business days are sold "As-Is" and no warranty or guarantee is expressed or implied and you assume all risks relating to that lead and your use of it. NO REFUNDS OR STORE CREDITS WILL BE GIVEN ON ANY CHERRY PICKER LEAD OLDER THAN TWO (2) BUSINESS DAYS -NO EXCEPTIONS. After your initial block commitment has been met, Cherry Picker leads Two (2) business days old or less may be returned for Store Credit only if the lead contains no valid contact phone number or is for a mobile home, raw land or commercial property.

National Lead Service reserves the right to monitor, validate, either electronically or by physical contacting the Consumer, your disputes and returns to determine if your dispute is valid. In the event your dispute is determined to be without merit and that you are abusing our return policy based upon the number or frequency of disallowed returns, the charge for the valid lead will stand against your account and no credit will be issued. Proof of the validation results is available to you upon your written request. National Lead Service reserves the right to charge your broker account a dispute resolution fee of $10 for each and every lead you attempted to dispute where such dispute is proven to be without merit. You will be notified via email of our decision to accept or deny your dispute within ten (10) working days of receipt of your dispute.
National Lead Service reserves the right to change or adjust this policy without prior notice to you. You are therefore encouraged to periodically review this Terms of Service Agreement.

REFUND/CREDIT POLICY: (PLEASE READ CAREFULLY!)

Lead Product Purchases
CHERRY PICKER LEADS OLDER THAN TWO (2) BUSINESS DAYS ARE SOLD AS-IS AND ARE NOT RETURNABLE FOR CASH REFUND OR STORE CREDIT UNDER ANY CIRCUMSTANCES.
ALL REFUNDS AND CREDITS ARE SUBJECT TO THE INITIAL FUNDING RESTRICTIONS, INACTIVE ACCOUNT POLICIES, LEAD DATA QUALITY GUARANTEES, AND DISPUTED LEAD RETURN POLICIES STATED IN PREVIOUS SECTIONS OF THIS TERMS OF SERVICE AGREEMENT. ALL REFUND OR STORE CREDIT REQUESTS (NOT AUTOMATICALLY PROCESSED BY OUR AUTOMATED SYSTEM AS STATED ABOVE) MUST BE SENT BY YOU IN WRITING (FAX OR U.S. MAIL ONLY) AND VERIFIED VIA TELEPHONE BY AN AUTHORIZED NAIONAL LEAD SERVICE REPRESENTATIVE. NO REFUNDS OR STORE CREDITS WILL BE PROCESSED OR ISSUED BASED UPON AN E-MAIL REQUEST OR VOICE TELEPHONE MESSAGE. NO EXCEPTIONS. No refunds to your account will be made during your initial Funding or Volume Commitment periods as defined in the above sections or if your monthly Maximum dispute percentage has been reached as described in the above sections.
After your initial Funding and/or Volume Commitment(s) ends, Store Credits or Refunds are offered ONLY in the following circumstances:

1. A store credit to your National Lead Service account will be processed within five business days following receipt an acceptance of a disputed lead(s).
2. If a store credit is not possible through no fault of yours or if we cannot deliver those leads as promised for store credit., a refund to your bank card account will be processed to the last Credit Card account used to fund your National Lead Service account. In the event a refund to your credit card is authorized more than 120 days following the initial charge, all refunds will be provided by National Lead Service business check for the amount of the refund less applicable credit card surcharges paid by National Lead Service for use of the credit card to fund the account being refunded.
3. A refund to your Credit Card account or in the case of payment by check to the maker of the check will be given if you were over billed due to a technical error.
4. If you prepaid your account and it has a credit balance equal or greater than $25 and no activity has occurred on your account in the past thirty (30) days, you will be charged a $25 administrative fee for each calendar month of inactivity. If your account has less than $25 and no activity has occurred on your account in the past thirty (30) days, your account will be debited the remaining balance in satisfaction of the administrative fee requirement and then closed.
5. If you wish to voluntarily terminate your account and discontinue services with us and your prepaid account is in good standing with a credit balance greater than $15 you will receive a refund according to the payment method originally used to deposit the funds into your National Lead Service account equal to the remaining balance less an account termination fee of $15 and any bank fees originally charged to National Lead Service for the original funding. If your account balance is less than $15, no refund will be issued upon termination.

Please allow up to ten (10) business days to process refunds once we have received your written request. If a refund request is received and authorized 120 days or more following the charge your refund will be by business check made payable to the name that appears on the credit card used and will be mailed only to the address listed as the billing address for the card user, NO EXCEPTIONS. Under such circumstances, National Lead Service shall be entitled to deduct from your refund the merchant card participation fee equivalent to the merchant services charges paid by us for your initial charge to your bank card.

CONFIDENTIAL INFORMATION
The data form provided to you by National Lead Service is proprietary to National Lead Service and thus provided to you in confidence and for your individual business use only. YOU MUST KEEP ALL LEAD DATA CONFIDENTIAL. You may use the Lead data provided only for the business purpose contemplated under this Agreement. You may tell the prospective borrower that you got their Quote Request from National Lead Service however, without the prior written permission of National Lead Service you may not forward, copy, or otherwise distribute in any form or media, the actual lead data to the prospective borrower or any other third party. UNDER NO CIRCUMSTANCES ARE YOU AUTHORIZED TO RESELL OR OTHERWISE DISTRIBUTE, WHETHER YOU ARE COMPENSATED OR NOT, ANY LEAD DATA SUPPLIED TO YOU BY NATIONAL LEAD SERVICE TO ANY OTHER THIRD PARTY.

Editing, Deleting and Modification:
We reserve the right in our sole discretion to change, edit or delete any documents, information or other content appearing on the Site.

Indemnification:
You agree to indemnify, defend and hold National Lead Service and their respective directors, officers, shareholders, employees, agents, attorneys, advertisers, and publishers (collectively, "Our Affiliated Parties") harmless from any liability, loss, claim or expense, including reasonable attorneys' fees, related to your use of the Site or violation of this Agreement.

Nontransferable:
Your right to use the Site is not transferable. Any password or right given to you to obtain information or documents from the Site is not transferable. You agree to provide true and accurate user information and to refrain from impersonating or falsely representing your affiliation with any person, company, or entity.

WARRANTY DISCLAIMER AND LIMITATION OF LIABILITY:
THE CODE, FORMS, INFORMATION AND OTHER CONTENT AVAILABLE FROM OR THROUGH THE SITE ARE PROVIDED "AS-IS," "AS AVAILABLE," AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, NATIONAL LEAD SERVICE DISCLAIMS ALL WARRANTIES EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, (A) THAT ANY CODE, FORMS OR INFORMATION AVAILABLE FROM OR THROUGH THE SITE, OR THE SITE ITSELF WILL BE MERCHANTABLE OR FIT FOR A PARTICULAR PURPOSE, (B) THAT ANY CODE, FORMS OR INFORMATION AVAILABLE FROM OR THROUGH THE SITE, OR THE SITE ITSELF WILL BE UNINTERRUPTED OR ERROR-FREE, (C) THAT DEFECTS WILL BE CORRECTED, (D) THAT THERE ARE NO VIRUSES OR OTHER HARMFUL COMPONENTS, (E) THAT THE SECURITY METHODS EMPLOYED WILL BE SUFFICIENT, (F) REGARDING CORRECTNESS, ACCURACY, OR RELIABILITY, OR (G) AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE CODE, FORMS OR INFORMATION, OR AGAINST INFRINGEMENT. ALL 'INFORMATION' AND 'CODE' AND 'FORMS' PROVIDED IN THE COURSE OF THIS AGREEMENT ARE PROVIDED WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU AS THE USER. WE AND OUR AFFILIATED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY INFORMATION OR OTHER CONTENT AVAILABLE FROM OR THOUGH THE SITE, OR THE SITE ITSELF. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, WE AND OUR AFFILIATED PARTIES ARE NOT LIABLE FOR ANY COMPENSATORY, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT, PRODUCT LIABILITY OR OTHERWISE; NOR FOR ANY THIRD PARTY CLAIMS OF ANY NATURE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS. THE NEGATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. THE INFORMATION AND OTHER CONTENT AVAILABLE FROM OR THROUGH THE SITE, AND THE SITE ITSELF, WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, YOU OBTAIN FROM US FROM OR THROUGH THE SITE SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT.

Links to Other Web Sites:
The Site may now, or hereafter from time to time, contain links to third-party Web sites. We do not control, investigate, monitor or check such Web sites, we are not responsible for the computer programs available from, content in or opinions expressed at such Web sites, and we do not investigate, monitor or check. We provide such third-party links only as a convenience to visitors of the Site, and the inclusion of a link does not imply approval or endorsement of the linked site by us. If you decide to leave the Site and access any third-party Web site, you do so at your own risk.

Export Control:
Any text, logos, designs, graphics, images, sounds, information, documents, or other materials (collectively, "Materials") available from or through the Site are or may be subject to United States export controls. No such Materials from this site may be downloaded or otherwise exported or re-exported (1) into (or to a national or resident of) Cuba, Iran, Iraq, Libya, Sudan, Syria, North Korea, or any other country to which the United States has embargoed goods; or (2) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Denial Orders (each, a "Restricted List"). By using or downloading any Materials from the Site, you are warranting that you are not located in, under the control of, or a national or resident of any such country or on any Restricted List.

Privacy and Data Collection:
National Lead Service does not collect personally identifiable information from clients of National Lead Service or third parties unless those parties have explicitly given such information to National Lead Service (for example, when completing a National Lead Service Application Form). National Lead Service's information practices are further described in the National Lead Service Privacy Policy. The National Lead Service Privacy Policy is part of this Agreement, and you agree that use of data as described in the privacy policy is not an actionable breach of your privacy or publicity rights. If you have entered into another agreement with National Lead Service (such as a Lead Buyer Agreement or a Lead Originator Agreement), then you may be subject to additional or different provisions regarding privacy and data collection. If you would like more information, please read the National Lead Service Privacy Policy. You should consider any communication that you transmit to National Lead Service (such as data, questions or answers, comments, or suggestions) as non-confidential, and agree that National Lead Service will not be liable or responsible if information that belongs to you is intercepted and used by an unintended recipient.

Miscellaneous:
This Agreement shall be treated as though it were executed and performed in Los Angeles, California, and shall be governed by and construed in accordance with the laws of the United States of America and of the State of California (without regard to conflict of law principles). Any cause of action by you with respect to the Site (and/or information, documents and other materials contained therein) must be instituted within one (1) year after the cause of action arose or be forever waived and barred. All actions shall be subject to the limitations set forth under "Disclaimer" above. The language in this Agreement shall be interpreted as to its fair meaning and not strictly for or against you or us. You expressly submit to the exclusive personal jurisdiction and venue of the Superior Court of Los Angeles County and the United States District Court for the Central District of California with respect to all matters relating to this Agreement or your use of the Site, and consent to extra-territorial service of process in connection therewith. Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Site is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision.

Consent and Changes:
National Lead Service may find it necessary or be legally obligated to update this Agreement from time to time. When we do, we will post those changes on this page and update the effective date. Any changes will become effective 30 days following its posting, unless otherwise stated. Except as otherwise required by law, modifications to this Agreement will not affect you prior to the effective date of the policy change.