The agreement in plain English.

1. Who you’re dealing with

Lispend is a Florida-focused real-estate distress-data subscription operated by the Lispend team. Contact happens via support@lispend.com.

2. Business use only

Lispend is a business-to-business tool sold to real-estate professionals — investors, wholesalers, agents, and the teams who support them. By subscribing you confirm you are using the service for a lawful commercial real-estate purpose, not for personal, household, or consumer use. When you subscribe we may ask for and verify basic business details (company name and your use case) to keep the platform commercial-only.

3. Not a consumer report (FCRA)

Lispend is not a consumer reporting agency and the data it provides is not a consumer report under the federal Fair Credit Reporting Act (FCRA) or any state equivalent. You MUST NOT use Lispend data, in whole or in part, to make decisions about a person’s eligibility for credit, insurance, employment, housing, or any other FCRA-covered purpose. Lispend surfaces public county-clerk filings for real-estate sourcing — nothing more.

4. What you’re paying for

A subscription to access Florida county-clerk distress filings (Lis Pendens; Tax-Delinquent on Miami-Dade, Duval, Lake, and Escambia; Probate on Brevard, Duval, Lake, and Santa Rosa; additional list types as they ship on the roadmap). Your subscription tier determines the per-month row cap, skiptrace bundling, and county breadth, as listed on /pricing.

5. Free preview & trials

You can create an account and explore a free preview of the Lispend feed at no cost and with no card — enough to see coverage, freshness, and the shape of the data. Full row detail (owner, mailing/site address, parcel), larger CSV exports, and skiptrace require a paid plan. If a trial of a paid plan is offered, the trial terms — its length and whether a card is required to start it — are shown clearly at checkout before you commit, and the auto-renewal terms in §6 apply when the trial converts.

6. Auto-renewal & recurring billing

Paid plans are recurring subscriptions. Before we take any payment, checkout shows you — clearly and conspicuously — the exact price, the billing interval (monthly or yearly, whichever you pick), and the fact that the plan renews automatically until you cancel. You give affirmative consent to those terms at checkout; we do not pre-tick that box for you.

• It renews until you cancel. At the end of each billing interval your plan renews for another interval at the then-current price for your tier, charged to the card on file.
• We remind you before we charge. We email you at least 3 days before each renewal with the amount and the date, so a charge is never a surprise.
• Price changes are opt-in. If we ever change the price of your plan, we email you first and the new price only applies after a renewal you’re free to cancel before.

Founder Lock is a one-time purchase, not a recurring subscription — it does not auto-renew.

7. Cancellation — kept easy

You can cancel any paid subscription any time — email support@lispend.com and we’ll cancel you the same business day, with no “are you sure” maze and no phone call required. Cancellation stops all future charges and takes effect at the end of the current billing interval — you keep access until then.

8. 7-day money-back guarantee

If a paid plan isn’t for you, email billing@lispend.com within 7 days of your first payment and we’ll refund it in full — no reason required. After that window, you can still cancel any time to stop future charges (see §7); we don’t pro-rate the current interval but we also won’t charge you again. If something simply feels wrong about a charge, write to us — a real person reads it and we’d rather make it right than win an argument.

9. Data accuracy disclaimer

Lispend pulls filings from public county-clerk portals. We clean, dedupe, and canonicalize the data, but we don’t guarantee zero errors. Court records change as cases progress; a filing visible today may be voluntarily dismissed tomorrow. You are responsible for verifying any lead before taking action on it.

10. Acceptable use

Use of the data and the platform is governed by our Acceptable Use Policy, which is part of these terms. In short: source for your own deals, don’t resell the raw feed, follow DNC/TCPA/CAN-SPAM when you reach out, and don’t scrape or abuse the service. We may throttle, suspend, or terminate accounts that violate the AUP.

11. Service availability

We aim for a daily pull before 9 AM Eastern. If a county portal breaks or pulls fail for more than 48 hours, your affected subscription will receive a prorated credit on the next billing cycle.

12. Limitation of liability

To the maximum extent allowed by law, Lispend’s liability for any issue with the service is limited to the amount you have paid in the most recent billing cycle. We don’t assume liability for downstream business decisions made using the data.

13. Your privacy & data rights

What we collect from you, why, how long we keep it, and how to request a copy or deletion (including your CCPA / GDPR rights) is covered in our Privacy Policy.

14. Changes to these terms

If we make a material change to these terms, we’ll email subscribers before it takes effect and update the “last updated” date above. Continuing to use the service after a change means you accept the updated terms; if you don’t agree, you can cancel under §7.