Terms of Service

10. Subscription And Billing

10.1 Free Trial

Eligible new subscribers may receive one 14-day free trial beginning when their verified account is created. No credit card is required to begin the trial. During the trial, the subscriber may access all counties for which ForeclosureLeads.us has published data. The trial ends automatically at the stated expiration time, does not pause due to nonuse, and does not automatically convert to a paid subscription or create a charge. Trial eligibility is determined by ForeclosureLeads.us, and creating an additional account does not create an additional trial entitlement.

10.2 County Subscriptions And Pricing

After the trial, continued access requires a paid subscription. Subscribers select one or more individual counties or an offered regional bundle. The recurring price for each selection, billing frequency, and total charge are displayed before purchase. Paid access is limited to the counties included in the confirmed subscription and to the data and documents published for those counties. County coverage, available data fields, record counts, and document availability may vary.

10.3 Recurring Payment Authorization

By submitting a paid subscription, you authorize ForeclosureLeads.us and its payment processor, Stripe, to charge the payment method you provide for the displayed subscription total, plus any applicable taxes, on the monthly or annual recurring schedule you select until the subscription is canceled or changed. Your billing frequency, billing date, and the amount due are shown during checkout or in your billing account. Prices are stated in U.S. dollars unless expressly indicated otherwise.

10.4 Billing Cycle And Renewals

Your first paid billing cycle begins when your initial subscription payment is successfully completed. Unless canceled, the subscription renews at the monthly or annual frequency selected during enrollment, using the billing date maintained by Stripe. An annual offer may provide 12 months of access at a discounted upfront amount displayed before purchase; it remains a recurring annual subscription unless the checkout terms expressly state otherwise. You are responsible for keeping your payment and billing information current. A change to your subscription may change the amount charged at the next renewal or may create a separately disclosed prorated charge.

10.5 County Plan Changes

Monthly subscribers may change selected counties no more than one time during a billing cycle. Annual plan changes require assistance through our Contact page. Any available change options, charges, and effective dates will be displayed for confirmation before the change is submitted. An added county may take effect immediately after successful payment of the displayed prorated charge for the remainder of the current billing cycle, or at the next renewal when that option is offered. A removed county ordinarily remains accessible through the end of the current paid billing cycle and is removed at the next renewal. No refund or credit is issued for the remaining portion of a removed county’s current billing cycle. A change that both adds and removes counties follows these rules separately for the additions and removals.

10.6 Cancellation

You may cancel recurring subscription billing through the billing-management options made available from your Account page or by contacting us through our Contact page. Unless otherwise disclosed at the time of cancellation, cancellation takes effect at the end of the current paid billing period, access continues through that date, and no further recurring charge will be made. Deleting your ForeclosureLeads.us account is different from an end-of-cycle cancellation: account deletion may immediately terminate access and does not create a refund or credit.

10.7 Failed Payments And Suspension

If a payment is declined, reversed, disputed, or otherwise not successfully collected, the subscription may be marked past due and access may be restricted or suspended. Access may be restored after the outstanding payment is successfully collected or a valid payment method is provided. ForeclosureLeads.us may cancel a subscription that remains unpaid.

10.8 Refunds And Credits

Because the Service provides immediate access to digital data and documents, subscription and prorated charges are generally nonrefundable. Cancellation, account deletion, or removal of a county does not create a refund or credit for a partially used billing period. Exceptions may be made for a verified billing error or when required by applicable law. Questions about a charge should be submitted promptly through our Contact page.

10.9 Payment Processing

Payments are processed by Stripe and are also subject to Stripe’s applicable terms and privacy practices. ForeclosureLeads.us does not store your full credit card number. We may store Stripe customer, subscription, invoice, payment-status, and related transaction identifiers needed to administer your account and provide access to the Service.

10.10 Price And Offering Changes

ForeclosureLeads.us may change county availability, subscription prices, or plan structure. Any change affecting the recurring price of an existing subscription will not alter a charge already paid for the current billing cycle and will be disclosed before the new price is charged, as required by applicable law. Continued use of a paid subscription after the effective date of a disclosed price change constitutes acceptance of the new price.

10.11 Electronic Acceptance

Paid enrollment or a plan change may require you to review a transaction-specific subscription agreement, confirm the selected counties and charges, and type your name as an electronic signature. By submitting that confirmation, you agree that your electronic action constitutes your signature and your acceptance of the displayed agreement, prices, billing schedule, and effective dates. The transaction-specific agreement supplements these Terms and controls the specific counties, amounts, and effective dates that you accepted.

11. Skip Trace Searches And The Skip Trace Wallet

11.1 What Skip Trace Is

Skip trace is an optional feature that returns contact information, such as phone numbers and email addresses, for people associated with a property address. The results come from a third-party data provider. A person shown in the results may or may not be the owner of record, the borrower, or a current resident. ForeclosureLeads.us may indicate when a person’s name matches the owner on record, but it does not verify identities. Contact information may be inaccurate, outdated, incomplete, disconnected, or reassigned, and ForeclosureLeads.us does not guarantee that you will reach anyone. Section 4 (Data Accuracy Disclaimer) applies to skip trace results.

11.2 Free Searches

ForeclosureLeads.us may give each account a limited number of free skip trace searches. Free searches have no cash value, cannot be transferred, and may be changed or withdrawn for future accounts at any time. A free search is used only when it returns at least one phone number or email address.

11.3 Price And When You Are Charged

One search covers one property. The price of a search is the price displayed to you when you run it and depends on your membership status at that time; trial members pay a higher price per search than members on a paid plan. You are charged for a search only when it returns at least one phone number or at least one email address. You are not charged when a search returns neither, or when it cannot be completed. A search that returns contact information is billable even if that information later proves to be wrong or does not belong to the owner. Results you have already paid for can be reopened without another charge; refreshing the results for a property is a new search. To control costs, results may be served from data retrieved from the provider within the previous 90 days, and the retrieval date is shown with the results.

11.4 The Skip Trace Wallet

Paid searches are deducted from a prepaid Skip Trace Wallet. You add funds yourself through one-time purchases, in the increments and up to the limits displayed when you add funds. Your wallet is never reloaded automatically; each addition of funds requires a new purchase by you. The wallet balance is a prepaid service credit shown in U.S. dollars for convenience. It is not a bank account, deposit, gift card, or stored-value product; it has no cash value, earns no interest, cannot be withdrawn or transferred, and can be used only for skip trace searches on ForeclosureLeads.us. You can run searches only while your account has active access through a free trial or a paid plan; if your access ends, any unused balance remains with your account and becomes usable again when access is restored.

11.5 No Refunds; Forfeiture; Disputed Payments

All wallet purchases are final. Wallet funds are nonrefundable whether or not they have been used, including when your trial or subscription ends or you stop using the Service, except where a refund is required by applicable law. If you close or delete your account, any unused wallet balance is forfeited and no refund or credit is issued. If a wallet payment is disputed, reversed, or refunded, the same amount is removed from your wallet balance, which may leave a negative balance, and ForeclosureLeads.us may suspend skip trace on your account until the balance is restored.

11.6 Permitted Use And Your Legal Responsibilities

You may use skip trace results only for your own lawful real estate business purposes. You may not resell, publish, share, or redistribute them. You are solely responsible for how you contact anyone identified in the results and for complying with all laws that apply to that contact, including the Telephone Consumer Protection Act, the Telemarketing Sales Rule, federal and state Do Not Call rules, Texas telephone solicitation laws, the CAN-SPAM Act, and laws governing the solicitation of homeowners whose property is in foreclosure. Do Not Call (DNC) indicators shown in the results are provided for information only; they are not legal advice and do not replace your own compliance procedures.

ForeclosureLeads.us is not a consumer reporting agency, and skip trace results are not consumer reports. You may not use them to decide anyone’s eligibility for credit, insurance, employment, housing, or any other purpose covered by the Fair Credit Reporting Act, or to harass, threaten, stalk, or harm any person. ForeclosureLeads.us may suspend or end skip trace access for any account that it reasonably believes is misusing the results.

11.7 Skip Trace Wallet Agreement

Before you fund a wallet you will be asked to review and electronically accept the Skip Trace Wallet Agreement. That agreement supplements these Terms and controls if it conflicts with them concerning the wallet or skip trace searches.