Terms and Conditions
Effective Date: June 19th, 2023
You are visiting a website owned by Lead Raptors LLC, doing business as LeadRaptors.com (“Lead Raptors”). By visiting this site and the various websites owned and operated by Lead Raptors and its affiliates and subsidiaries (collectively, the “Websites”), you are entering into a legal agreement to abide by the terms of use set forth in this Terms of Use Agreement (“Agreement”). This Agreement also applies to your use of any goods, facilities, or services offered through the Websites (collectively, the “Services”), regardless of how they are accessed. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept, and agree to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference. You agree that, to the fullest extent required by the law of any state, you have been provided with, have received, and are agreeing to all disclosure and consent requirements. Certain Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service.
For purposes of this Agreement:
- “You” or “your” means the person(s) using the Websites and/or the Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Websites and/or the Services.
- “Lead Raptors,” “us,” or “we” includes Lead Raptors LLC and all of its affiliates and subsidiaries.
- “Providers” includes, but may not be limited to, the banks, lenders, financial institutions, insurers, service providers, real estate companies, dealers, agents, brokers, and other entities offering products and services through the Websites or otherwise partnered with Lead Raptors to facilitate and allow the delivery of the products and services you may request.
- “Qualification Form” refers to your request to be matched with providers of any of the products and services that you may be connected to through the Websites.
Lead Raptors reserves the right, at its sole discretion, to change or modify the Websites or this Agreement (or any portion thereof) at any time. Such changes and modifications become effective immediately upon posting on the Websites. You agree to review this Agreement for any such changes upon your use of the Websites, and your continued use of the Websites or Services constitutes your acceptance of such changes and modifications. The Websites are intended for individuals who are at least 18 years of age and are accessing the internet from a physical location within the United States of America. By using or accessing the Websites, you acknowledge that you are 18 years of age or older and are accessing the internet from a physical location within the United States of America.
Privacy Policy
The Lead Raptors Privacy Policy, hereby incorporated by reference into this Agreement, explains how we collect, protect, share, and use your information as part of our technology platforms and all of our products and services.
Copyright, Trademark, and Service Mark Notices
All text, graphics, photographs, videos, sound, trademarks, logos, artwork, interfaces, and computer code, including but not limited to the design, coordination, “look and feel,” and arrangement of elements contained on the Websites (collectively, the “Content”), is owned or licensed by or to Lead Raptors. The Content is protected by trademark, copyright, and patent laws, other intellectual property rights, and unfair competition laws. Except as expressly stated herein, no part of the Websites or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted, or distributed in any way, including the use of framing or mirrors, to any other computer, server, website, or other medium for publication or distribution or for any commercial enterprise, without Lead Raptors’ prior written permission. Nothing on the Websites should be construed as granting any license or right to use any Content.
Disclaimers and Liability
THE WEBSITES, CONTENT, AND SERVICES ARE PROVIDED FOR USE “AS IS” WITHOUT WARRANTY OF ANY KIND. LEAD RAPTORS DOES NOT WARRANT THAT THE WEBSITES, CONTENT, OR SERVICES WILL BE ACCURATE, ERROR-FREE, OR UNINTERRUPTED. LEAD RAPTORS DOES NOT WARRANT THAT THE WEBSITES, CONTENT, OR SERVICES WILL PROVIDE SPECIFIC RESULTS. TO THE MAXIMUM EXTENT NOT PROHIBITED BY LAW:
- UNDER NO CIRCUMSTANCES WILL LEAD RAPTORS BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF YOUR RELIANCE ON OR USE OF THE WEBSITES, CONTENT, SERVICES, OR OTHER ITEMS LOCATED ON THE WEBSITES.
- LEAD RAPTORS DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER STATUTORY, EXPRESS, OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ADDITIONALLY, THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THE WEBSITES DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND.
Indemnity
You agree to indemnify, defend, and hold harmless Lead Raptors and its officers, directors, shareholders, predecessors, successors-in-interest, licensors, employees, agents, subsidiaries, and affiliates (collectively, the “Lead Raptors Parties”) from and against any and all claims, losses, liabilities, expenses (including attorneys’ fees and costs), and damages arising out of or relating to your use of the Websites or Services, your violation of any third-party right or law, or your violation or alleged violation of this Agreement. You must not settle any such claim or matter without the prior written consent of Lead Raptors. The Lead Raptors Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.
Limitation on Damages
LEAD RAPTORS’ LIABILITY, IF ANY, SHALL BE LIMITED TO DIRECT AND FORESEEABLE DAMAGES, WHICH SHALL NOT EXCEED THE AMOUNT PROVIDED BELOW. UNDER NO CIRCUMSTANCES SHALL LEAD RAPTORS BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, STATUTORY, PUNITIVE, OR EXEMPLARY DAMAGES SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS, OR LOST BUSINESS, LOSS OF OR DAMAGE TO DATA, OR EMOTIONAL DISTRESS. NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, IN NO EVENT SHALL LEAD RAPTORS’ TOTAL LIABILITY EXCEED U.S. $100.00. THESE LIMITATIONS AND EXCLUSIONS APPLY EVEN IF THIS REMEDY DOES NOT FULLY COMPENSATE YOU FOR ANY LOSSES OR FAILS OF ITS ESSENTIAL PURPOSE OR IF WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF THE DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THESE LIMITATIONS AND EXCLUSIONS APPLY TO ANY CLAIMS RELATED TO THIS AGREEMENT OR TO THE SERVICES.
Errors and Delays
You agree that Lead Raptors is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.
YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING WITHOUT LIMITATION DISPUTES RELATING TO THE WEBSITES, CONTENT, OR SERVICES (“DISPUTE”), SHALL BE FINALLY AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES. DISPUTES WILL BE ARBITRATED AT A HEARING CONDUCTED IN WILMINGTON, DELAWARE. THE ARBITRATOR(S) SHALL HAVE NO AUTHORITY TO DEVIATE FROM THE LAW, AND THE ARBITRATOR(S) SHALL MAKE ALL REASONABLE EFFORTS TO EXPEDITE THE ARBITRATION PROCEEDINGS AND TO LIMIT DISCOVERY. THIS MEANS THAT YOU WILL NOT BE ABLE TO LITIGATE ANY SUCH DISPUTE IN COURT, AND THAT YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL. YOU AGREE THAT ANY DISPUTE WILL BE GOVERNED BY THE LAWS OF THE STATE OF DELAWARE WITHOUT REGARD TO ANY CONFLICTS OF LAWS PROVISIONS. IF ANY MATTER PROCEEDS IN COURT, INCLUDING POST-ARBITRATION CONFIRMATION PROCEEDINGS, YOU AGREE TO THE EXCLUSIVE PERSONAL JURISDICTION BY, AND VENUE IN, THE STATE AND FEDERAL COURTS LOCATED IN NEW CASTLE COUNTY, DELAWARE, AND YOU WAIVE ANY OBJECTION TO SUCH JURISDICTION OR VENUE.
You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a private attorney general capacity.
You agree that any dispute or disagreement regarding the enforceability, applicability, or interpretation of any provision of this Agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.
You also agree that any dispute or cause of action arising out of or related to the Websites, Services, or Content must be commenced within one year from the later of (1) when the dispute or cause of action accrues or (2) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.
Miscellaneous Terms
This Agreement (including all referenced or incorporated policies, agreements, and other provisions) constitutes the entire agreement between you and Lead Raptors and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter hereof. If a conflict between the language of this Terms of Use Agreement and the language of any terms incorporated by reference, the latter incorporated terms shall control.
You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement, or promise, express, or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or unenforceable, you agree that such provision shall, to the maximum extent feasible, be modified to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.
Terms Applicable to Insurance Request Services
Lead Raptors is not a licensed insurance agency or broker and does not provide insurance quotes. The information provided by Lead Raptors is not intended to take the place of professional advice from a licensed insurance agent. Lead Raptors recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.
Lead Raptors does not sell insurance, mortgages, credit cards, loans, business loans, or any other financial products or services. The Services provided by Lead Raptors are intended to connect you with Providers who may offer such products or services. The quality, safety, or legality of the products offered by any Provider, the truth or accuracy of the representations regarding such products, the ability of Providers to offer or sell such products, or the ability of consumers to purchase or use the products offered are solely the responsibility of each individual Provider. Lead Raptors is an independent contractor, and Lead Raptors is not responsible for the conduct of any Provider. Lead Raptors does not endorse or recommend any Providers or any companies or financial products or services. Lead Raptors does not provide insurance, tax, legal, or any other financial advice. If you are interested in any financial product or service, it is recommended that you consult with the appropriate licensed professionals.
By submitting any Qualification Form or request through the Websites, you acknowledge that you desire to be contacted by Providers, and you are providing express written consent that Lead Raptors, its affiliates, and the Providers with whom you are matched may contact you using the information you provided, including by telephone calls, text messages, or emails, even if your telephone number is on any federal, state, local, internal, or corporate Do-Not-Call (“DNC”) Lists. You understand that you are not required to consent to receive these communications as a condition of using Lead Raptors’ services.
You may opt out of receiving calls or other communications from Lead Raptors by contacting Lead Raptors directly. Lead Raptors is not responsible for a Provider’s failure to follow your or our instructions to stop contacting you.
You are responsible for the accuracy and completeness of the information you provide to Lead Raptors. You agree to keep your information up to date and to notify Lead Raptors promptly of any changes. Lead Raptors and Providers may obtain, verify, and record information that identifies you in accordance with applicable laws and regulations.
Terms Applicable to Financial Education Content
Lead Raptors provides content and tools on its Websites to enhance your financial education and help you make informed decisions. The materials provided by Lead Raptors are for informational, educational, and entertainment purposes only and should not be considered as legal, financial, investment, tax planning, or medical advice. Lead Raptors may receive compensation from companies for displaying offers on its Websites. This compensation may impact the location and order in which the offers appear. Lead Raptors does not endorse or recommend any specific products or services.
How to Contact Us
If you have any questions or concerns about this Agreement or the Websites, please contact us at
- Via Email: connect@leadraptors.com
- Via Phone Number: (302) 303-5776
