Effective March 2, 2020
By accessing our Site and using our Services you consent to this agreement provided to you in electronic form and that all agreements, disclosures, billing notices and other communications provided to you electronically satisfy any legal requirements of communications to be made in writing. If you do not agree to these terms, please do not use the Site, our Services or send an email to any ScoutAdvisors.com email address.
IMPORTANT: IF YOU RESIDE IN THE UNITED STATES, PLEASE NOTE THAT THESE TERMS CONTAIN A MANDATORY ARBITRATION CLAUSE AND CLASS ACTION WAIVER, WHICH WILL REQUIRE YOU TO RESOLVE ANY DISPUTE WITH SCOUTADVISORS.COM ON AN INDIVIDUAL BASIS AND, EXCEPT IN LIMITED CIRCUMSTANCES, THROUGH FINAL AND BINDING ARBITRATION. BY USING OUR SITE AND SERVICES, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND ALL OF THESE TERMS AND HAVE TAKEN TIME TO CONSIDER THE CONSEQUENCES OF THIS IMPORTANT DECISION. PLEASE READ IT CAREFULLY.
SCOUTADVISORS.COM IS A LEAD-GENERATION COMPANY. OUR SERVICES ARE NOT INTENDED TO PROVIDE FINANCIAL, MORTGAGE, INSURANCE OR REAL ESTATE ADVICE. SCOUTADVISORS.COM IS NOT A LENDER, INSURANCE BROKER, MORTGAGE BROKER OR A LICENSED FINANCIAL PROFFESsIONAL REPRESENTING YOU OR ANOTHER USER IN ANY CAPACITY. WE ARE ALSO NOT A CREDIT REPORTING AGENCY FOR THE PURPOSES OF THE FAIR CREDIT REPORTING ACT (“FCRA”), AS SUCH, THE ADDITIONAL PROTECTIONS AFFORDED TO CONSUMERS, AND OBLIGATIONS PLACED UPON CREDIT REPORTING AGENCIES, ARE NOT CONTEMPLATED BY, NOR CONTAINED WITHIN THESE TERMS.
ScoutAdvisors.com’s business is funded by the sale of commercial data (“Data”, “Leads”) to mortgage and insurance professionals. The Leads are derived and compiled from public sources and contain highly relevant real estate transactional data and are combined with property owners (“Prospects”) contact information. ScoutAdvisors.com does not initiate prior contact with Prospects. Accordingly, ScoutAdvisors.com assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that consumers take based on the Services or any other information made available through or in connection with the Services.
ScoutAdvisors.com owns the Site, the Services and all associated content
The Services and all associated content (including any derivatives of or enhancements to the same), and all intellectual property rights to the same (including trademarks, service marks, trade names, that appear in connection with the Services, are owned by or licensed to ScoutAdvisors.com. The Services are licensed, not sold, to you by ScoutAdvisors.com only for use under the Terms. You do not acquire any right, title or interest in or to the Services or any associated content other than the limited license granted to you by these Terms. Any rights not expressly granted to you in these Terms are expressly reserved.
By agreeing to these Terms, you represent and warrant that: you are at least 18 years of age; you are accessing the Site and/or our Services within the United States, you are a licensed mortgage loan officer and/or insurance professional; or you are are employed by a company that offers mortgage lending and/or insurance services and you are an authorized representative to purchase commercial data; you have not previously been suspended or removed from the Site or our Services; and your registration and use of the Site and our Services is in compliance with all applicable laws and regulations.
Use of our Services
Provided you comply with these Terms, ScoutAdvisors.com grants you a non-exclusive, limited, revocable, personal, non-transferable license to use the Services. If you are a mortgage or insurance professional acting in your professional capacity, you may additionally use the Services to provide information, to the extent permitted by applicable law, to Prospects and to take actions on behalf of your Prospects. You agree to use the Services solely for your personal use and for commercial use limited to your own transactions. If you use the Services for commercial use you represent and warrant that you have obtained all required authorizations and consent from your client. You further represent and warrant that you will research all provided phone numbers against the Do Not Call List and agree to hold ScoutAdvisors.com harmless for any failure on behalf of yourself or your agents to do so.
Unless otherwise stated, these Terms do not provide you with a license to use, reproduce, distribute, display or provide access to any portion of the Services on third-party websites, applications or mobile devices.
You agree not do, attempt to do, or permit others to use this Site to do any of the following:
- access or use the Site in any way that is not in compliance with any applicable local, state, national or international law, contracts, intellectual property rights or constitutes the commission of a tort, or for any purpose that is harmful or unintended (by us), or other than in full compliance with these Terms;
- use any Content in violation of any applicable laws, rules or regulations in a way that harms ScoutAdvisors.com
- use the Services for resale
- access, tamper with, or use services or areas of the Site that you are not authorized to access;
- disclose or share users’ Site usernames and passwords with any unauthorized third parties or use users’ Web Site passwords for any unauthorized purpose;
- impersonate another person or misrepresent your affiliation with another person or entity
- attempt to decipher, decompile, disassemble or reverse engineer any of the software or HTML code comprising or in any way making up a part of this Site or Services;
- upload invalid data, viruses, worms or other software agent to the Site
- interfere with or compromise the system integrity or security of the Site or our Services, or otherwise bypass any measures we use to prevent or restrict access to the Services.
- take any action that imposes an unreasonable or disproportionately large load on the Site’s infrastructure, including but not limited to “spam,” or other such unsolicited mass e-mailing techniques, or use any robot, spider, crawler, intelligent agent, other automatic device, or manual process to search, monitor, “scrape,” or copy Our Web pages, or the Content without Our prior written permission, provided that generally available third party Web browsers may be used without such permission.
- send to or otherwise impact us or the Site (or anything or anyone else) with harmful, illegal, deceptive or disruptive code such as a virus, “spyware,” “adware” or other code that could adversely impact the Site or any recipient; or
- frame any part of the Site, or link to the Site, or otherwise make it look like you have a relationship to us or that we have endorsed you or your Content for any purpose except as expressly permitted in writing by ScoutAdvisors.com;
- use any of ScoutAdvisors.com trademarks without approval, including but not limited to using them as part of your business name, screen name or email address on the Services
- access or use our Services to create a competitive service within the mortgage and insurance industries and/or work in tandem with a third party to do any of the above
To access our Site on a Mobile Device (“App”) you must have a compatible device. We do not warrant that our App is compatible with your mobile device. You may be charged by your wireless carrier for using mobile data in connection with using our App. You agree that you are solely responsible for these charges.
This Web site is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Web site are appropriate or made available for use outside of the United States of America.
You are required to pay fees in exchange for our Services, excluding limited-time only sample leads provided to new customers. All fees are payable in U.S. dollars and are non-refundable. If we change our fees for some or all of our Services we will provide you with advance notice of any changes. If you do not accept the changes of any new fees ScoutAdvisors.com may discontinue providing Services to you. ScoutAdvisors.com uses a third-party payment processor to charge customers for sales of Leads. You will be emailed an invoice and Services will begin following confirmation of payment.
Our Services may allow for automatically recurring payments for periodic charges (“Lead Subscription Plan”, “Plan”). If you initiate a Lead Subscription Plan you authorize ScoutAdvisors.com to periodically charge you from time time for Services. Our Service will continue until you cancel your Plan or we cancel it. You must cancel your Plan before it renews to avoid payment of the next periodic subscription fee. We will bill fees to the credit card you provide for your 1st purchase. If you would like to change your payment information please contact Scout Advisors billing department, 475-333-0937extension 3. Unless otherwise stated in your Lead Subscription Plan agreement you may cancel by contacting your Sales consultant or by emailing firstname.lastname@example.org
Consent to Recording of Communications
You agree that ScoutAdvisors.com, or a third party acting on behalf of ScoutAdvisors.com, may email, call and/or send text messages to the email address and telephone number(s) provided by you, including calls and text messages using an automatic telephone dialing system and/or an artificial or prerecorded voice. You further agrees that such emails, calls and/or text messages may constitute advertising or telemarketing, e.x. ScoutAdvisors.com may email, call, or text with information about new service offerings available to you. You understand that agreeing to receive this form of commununication may constitute advertising or telemarketing and is not a condition to purchase. You further agrees that calls between you and Scoutadvisors.com employees and Affiliates may be recorded for quality control, training, and other internal business purposes. For certain Services provided by us, you acknowledgesthat call recording may not be disabled.
Choice of Law; Disputes; Waiver of Jury Trial
Registering an informal complaint; Dispute resolution
A party who intends to seek arbitration must first send written notice to the other party by certified mail. Notice to ScoutAdvisors.com, should be sent to NCRA Registered Agent LLC, 4030 Wake Forest Road, Suite 349, Raleigh, NC 27609, with a copy to our Registered Agent. Your notice must include (a) your name, postal address, telephone number, email address, (b) a description in reasonable detail of the nature or basis of the Dispute, and (c) the specific relief that you are seeking. ScoutAdvisors.com’s notice to you will be sent electronically to the email address you provide to our Registered Agent, and will include ScoutAdvisors.com legal representative, our postal address, telephone number and an email address at which ScoutAdvisors.com can be contacted with respect to the Dispute, a description in reasonable detail of the nature or basis of the Dispute, and the specific relief that ScoutAdvisors.com is seeking.
If you and ScoutAdvisors.com cannot mediate and resolve your Dispute within thirty (30) days after the dated notice is received by the applicable party, then either you or ScoutAdvisors.com may, as appropriate and in accordance with these Terms, commence an arbitration proceeding.
Waiver of Class Action; Waiver of Jury-Trial
Arbitration Rules and Governing Law
This agreement to arbitrate evidences a transaction in interstate commerce, and thus the Federal Arbitration Act (the “FAA”) governs the interpretation and enforcement of this provision. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by this “Dispute Resolution” section. The AAA Rules are available at http://www.adr.org/arb_med or by calling the AAA at 1–800–778–7879. If the FAA and AAA Rules are found not to apply to any Dispute, or the enforcement thereof, then that issue shall be resolved under the laws of the State of North Carolina without giving effect without giving effect to its conflict of laws provisions.
A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. The AAA provides a standard Demand for Arbitration form. The arbitrator will be either a retired judge or an attorney licensed to practice law in the State of North Carolina and will be selected by the parties from the AAA’s roster of consumer dispute arbitrators. If the parties are unable to agree upon an arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.
Arbitration Location and Procedure
Unless you and ScoutAdvisors.com agree otherwise, the arbitration will be conducted in Wake County, North Carolina and the state and federal courts located in Wake County, North Carolina shall have exclusive jurisdiction over any appeals and the enforcement of an arbitration award. If the Dispute does not exceed $10,000, you or ScoutAdvisors.com may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and ScoutAdvisors.com subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. In cases where an in-person hearing is held, you and/or ScoutAdvisors.com may attend by telephone, unless the arbitrator requires otherwise. If the Dispute exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Subject to the AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the AAA Rules.
The arbitrator will render an award within the time frame specified in the AAA Rules. The arbitrator’s decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator’s award damages must be consistent with the terms of the “Liability Limitation; Exclusive Remedy” section as to the types and the amounts of damages for which a party may be held liable. The arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide relief warranted by the claimant’s individual claim. The prevailing party shall be entitled to an award of reasonable attorney fees.
Exceptions to Agreement to Arbitrate
Either party may bring a lawsuit solely for injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights without first engaging in arbitration or the informal dispute-resolution process described above. If the agreement to arbitrate is found not to apply to you or your claim, you agree to the exclusive jurisdiction of the state and federal courts in Wake County, North Carolina to resolve your claim.
We appreciate it when our customers send us feedback, but please be aware that if you provide input and suggestions regarding our Site or Services then you hereby grant ScoutAdvisors.com an unrestricted, perpetual, irrevocable, non-exclusive, fully-compensated, royalty-free right to use the feedback in any manner and for any purpose, including to offer additional Services and improve our Site, without any obligation to you.
The Site and our Services are protected by copyright and other laws of both the United States and foreign countries. These Terms do not grant you any rights to use the our copyrighted materials, logos, domain names, Site copy or any other property of ScoutAdvisors.com.
If any provision of these Terms is found to be unlawful, invalid, void or unenforceable, then such provision will be ineffctive only to the extent that it is found unlawful, unenforceable or void, then the remainder of such provision and all other provisions shall be considered severable from the remaining provisions, and the remaining provisions shall remain in full force and effect.
Notice to Residents of California
If you are a resident of California you may contact the Compliant Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in Sacramento, CA or by telephone (800) 952-5210 in order to discuss an issue with our Services or to register a complaint.
You agree to indemnify, defend and hold harmless ScoutAdvisors.com, its affiliates and their respective officers, directors, employees and agents from any and all claims and demands made by any third party due to or arising out of: your access to or use of our Site and Services, your breach of our Terms, any dispute between you and a third-party, your violation of any law of the rights of a third party, your willful misconduct, any other party’s access to and/or use of our Site and Services using your login credentials. ScoutAdvisors.com reserves the right, at our expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in that event, you agree to cooperate with ScoutAdvisors.com defense of that claim.
Limitation of Liability / Exclusive Remedy