Terms of Service
Last updated: September 9, 2026 · Version 2026-09-09
1. Agreement
These Terms govern access to and use of the VIPLead platform, provided by Disrupt Technologies LLC, an Illinois limited liability company, of 29 E Stephenson St, Freeport, IL 61032 ("VIPLead", "we", "us"). By creating an account, accepting these Terms, or using the platform, the subscribing business ("Customer", "you") agrees to them. If you accept on behalf of a business, you represent that you are authorized to bind it.
2. The service
We grant you a non-exclusive, non-transferable, revocable right to access and use VIPLead for your internal business purposes during your subscription, subject to these Terms and to your plan's limits. We may improve, modify or discontinue features. Where a change materially reduces core functionality you rely on, we will give reasonable advance notice.
3. Accounts and users
You are responsible for the accuracy of your account information, for the acts and omissions of your users, and for the security of your credentials. Notify us promptly at [email protected] of any unauthorized access. Users must be at least 18 and legally able to enter contracts.
4. Your data
You own your data. You retain all rights to the information you and your users put into VIPLead, including information about your own customers. You grant us the limited licence necessary to host, process, transmit, back up and display that data in order to provide the service, and to produce aggregated, de-identified statistics that do not identify you, your customers, or any individual.
You are responsible for having the rights and permissions necessary to put data into VIPLead — including any consent required to contact your customers by phone, SMS or email, to record calls where you enable that, and to collect and use their personal information. Our handling of personal information is described in our Privacy Policy.
5. Acceptable use
You may not use VIPLead to break the law; to send messages the recipient has not consented to receive; to upload malware; to attempt to access another customer's data; to probe, scan or test the security of the platform without our prior written permission; to reverse engineer, decompile or copy the software; to resell or provide the service to third parties except as your plan expressly permits; or to store data the platform is not designed for, including payment card numbers entered outside our payment fields, government identification numbers except where a lender integration requires them, and protected health information.
6. Fees and payment
Fees, billing frequency and any usage charges are set out in your order form or plan. Fees are payable in advance and are non-refundable except where these Terms or applicable law require otherwise. Amounts more than thirty days overdue may accrue interest at 1.5% per month or the maximum permitted by law, whichever is less, and we may suspend access to overdue accounts after notice. You are responsible for applicable taxes other than taxes on our income.
7. Third-party integrations
VIPLead connects to third-party services — accounting platforms, payment processors, communications providers, lenders and others — at your direction and using credentials you supply or authorize. Your use of those services is governed by your agreement with them, not by these Terms. We are not responsible for the availability, accuracy, pricing or acts of any third-party service, and a change or outage on their side may affect the corresponding VIPLead feature. You are responsible for maintaining your own accounts, credentials and compliance obligations with them.
8. Consumer financing
Where you or your customer initiate a financing application through a lender integrated with VIPLead, the lender — not VIPLead — makes the credit decision, and the lender and you are responsible for the disclosures, consents and notices that consumer credit law requires, including any adverse action notice. VIPLead transmits application data to the lender at the applicant's initiation and returns the lender's response. We are not a creditor, a broker, or a consumer reporting agency. You are responsible for ensuring that your use of financing features complies with your dealer or merchant agreement with each lender and with applicable law.
9. Payment processing
Payments taken through VIPLead are processed by our payment provider under your own merchant agreement with that provider. We are not a party to the payment transaction and are not a money transmitter. You are solely responsible for the legality of any surcharge, convenience fee or other fee you choose to charge, including compliance with card network rules and with the law of every state in which you operate. Fee settings in the platform are configurable by you; configurability is not advice that a given fee is lawful in your jurisdiction.
10. Electronic signatures and documents
VIPLead generates documents and supports electronic signature. You are solely responsible for the content, legality and enforceability of the documents you produce, send and execute, including any notices, disclosures, cancellation rights or clauses your jurisdiction requires. Templates or sample clauses we make available are provided for convenience, are not legal advice, and should be reviewed by your own counsel.
Consent to transact electronically. By using the signing features, you and each signer consent to conduct the transaction electronically, agree that an electronic signature has the same legal effect as a handwritten one, and agree to receive the associated records electronically. A signer may request a paper copy from you, and may withdraw consent to transact electronically before signing. Where a document is signed through the platform, we retain the signed record and its audit trail for the life of your account and make both available to you for export.
11. Availability and support
We work to keep VIPLead available and to give advance notice of planned maintenance. We do not commit to a specific uptime percentage, and the service is provided without an uptime guarantee or service credits. Support is provided through the channels described in your plan.
12. Confidentiality
Each party will protect the other's non-public information with at least reasonable care and use it only to perform under these Terms. This does not apply to information that is public through no fault of the receiving party, was already known to it, or is independently developed.
13. Intellectual property
We and our licensors own the platform, its software, design, documentation and trademarks. Nothing in these Terms transfers ownership of any of it. If you give us feedback or suggestions, we may use them without obligation or compensation to you.
14. Term, suspension and termination
These Terms apply for as long as you have an account. Either party may terminate as set out in your plan or order form. We may suspend or terminate for material breach, non-payment, or use that risks harm to the platform, to us, or to others — with notice where practicable and immediately where not.
On termination you may export your data for ninety (90) days, which matches the retention window in our Privacy Policy. After that we may delete it in accordance with that policy.
15. Disclaimers
Except as expressly stated in these Terms, the platform is provided "as is" and we disclaim all implied warranties, including merchantability, fitness for a particular purpose and non-infringement.
VIPLead produces estimates, contracts, invoices, tax calculations, commission figures and accounting records from data, settings and rules that you supply and control. You are responsible for reviewing all of them for accuracy before relying on, sending or filing them. We do not provide legal, tax or accounting advice, and the platform is not a substitute for a qualified professional.
16. Limitation of liability
To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, even if advised of the possibility.
Our total aggregate liability arising out of or relating to these Terms will not exceed the greater of (a) the fees you paid us in the twelve months before the event giving rise to the claim, or (b) one thousand dollars ($1,000).
These limits do not apply to your payment obligations, to either party's breach of confidentiality, or to liability that cannot be limited by law.
17. Indemnity
You will defend and indemnify us against third-party claims arising from your data; your use of the platform; the documents, contracts and estimates you create and execute with your own customers; your messaging and calling practices; your fee and surcharge practices; and your breach of these Terms.
18. Changes to these Terms
We may update these Terms. Material changes take effect thirty (30) days after we notify account administrators by email or in-product notice, and your continued use after that constitutes acceptance. Previous versions remain available at /legal/terms.
19. Governing law and venue
These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules. Any dispute will be brought exclusively in the state or federal courts located in Stephenson County, Illinois, and each party consents to that jurisdiction and venue.
20. General
These Terms, together with your order form and our Privacy Policy, are the entire agreement between us on this subject. If any provision is held unenforceable, the rest remains in effect. Neither party may assign these Terms without the other's consent, except to a successor in a merger or sale of substantially all assets. Nothing here creates a partnership, joint venture, employment or agency relationship. Our failure to enforce a provision is not a waiver of it.
21. Contact
Disrupt Technologies LLC · 29 E Stephenson St, Freeport, IL 61032 · [email protected]