How do you verify lead quality before transfer? (credit score, equity position, loan amount)

Our Reps are all trained as per the experience, they ensure they ask all these questions from the customer to verify we have the right prospect.

What specific refinance criteria do you screen for? (rate reduction threshold, cash-out needs)

The Criteria is based on the Minimum rate, Balance, they should not have late payments in 1 year, No Refinance in the last 1 year, No Bankruptcy or foreclosure in 3 years, and should be interested to pull some cash, credit, and monthly payments.

What percentage of transferred leads are serious borrowers vs. rate shoppers?

It all depends on the proposal given, but we try to have the highest percentage of serious buyers.

How recent are leads when transferred? (minutes/hours old)

They are minutes and seconds old.

What channels generate these refinance leads? (paid search, social media, organic)

These are all opt-in leads from all social sources.

What percentage of leads come from rate-and-term vs. cash-out refinance interest?

Depends on the market. Right now we focus on the cash-out refinance.

How do you differentiate between purchase and refinance intent?

We only do refinance intent and not purchase.

Can you provide case studies from lenders with similar business models?

You can visit our website for various references.

What's your pricing model? (per transfer, per qualified call, per closed loan)

It all depends on the module—FHA, VA, or Conventional—and also on the filters from the buyers.

Do you offer performance-based pricing or money-back guarantees?

All leads are based on the per call price, and any lead that does not match the pre-decided filters is not counted as billable.

Are there volume-based discount tiers?

No, for us the price remains the same, as we do not hamper quality whether you buy 1 or 100 leads.

How do you handle disconnected numbers or wrong parties?

These are all live transfers, hence no disconnected numbers.

What's your refund policy for non-qualifying leads?

Any lead not matching the filters is not qualified.

How do you ensure TCPA/FCRA compliance for live transfers?

All leads we dial are opt-in, ensuring we have the consent needed to call them and take details.

What disclosures do consumers receive before being transferred?

We inform consumers that this is not a sales call and that we are offering a quote to help them get the best deal.

How do you handle Do Not Call list compliance?

We are registered with the National DNC and have our own SAN Number. Anyone who requests to be added is passed to our internal DNC team.

What's your service level agreement for lead transfers?

We have an IO and Master Agreement that we send to buyers.

How do you handle after-hours leads?

Before we set up the campaign, we ensure leads are transferred according to the buyer's hours. No lead is sent after hours; if any are, they are not billable.

What reporting do you provide in real-time?

Customer details are passed via API so that once the call gets transferred, loan officers have all the details.

Terms and Conditions – Heritus Algorix

Last Updated: Jan 01^st, 2026

Welcome to Heritus Algorix (“Company,” “we,” “us,” or “our”). By accessing this website, submitting information, or using our services, you agree to comply with and be bound by these Terms & Conditions (“Terms”). If you do not agree, please do not use this website.

1. Services Description

Heritus Algorix operates as a marketing and lead generation platform. We collect consumer inquiries and may connect users with third-party advertisers, service providers, or buyers.

We do not provide legal, medical, financial, or professional advice and do not endorse or guarantee any third-party products or services.

2. Eligibility

By using this website, you represent that:

You are at least 18 years of age
You reside in the United States or are legally permitted to submit inquiries
You have the legal authority to agree to these Terms

3. User Obligations

You agree that you will:

Provide accurate, truthful, and complete information
Use the website for lawful purposes only
Not submit false or misleading information
Not attempt to interfere with website security or functionality

We reserve the right to restrict or terminate access if misuse is suspected.

4. Lead Submission, TCPA & Communication Consent

By submitting your information or calling a phone number on this website, you expressly consent to be contacted by Heritus Algorix and its marketing partners, including via:

Phone calls (including auto-dialed or prerecorded calls)
SMS/text messages
Email communications

This consent is provided in compliance with the Telephone Consumer Protection Act (TCPA) and state regulations.

Consent is not a condition of purchase.

You may revoke consent at any time by contacting us or following opt-out instructions.

5. Call Recording Disclosure

Calls to or from our website may be recorded or monitored for quality assurance, compliance, training, and dispute resolution purposes.

By using our phone numbers, you consent to call recording where permitted by applicable U.S. law.

6. Third-Party Disclosure

We may share your information with licensed, insured, or vetted third-party service providers. Heritus Algorix is not responsible for:

Third-party service delivery
Pricing, terms, or availability
Outcomes, advice, or agreements

Any interaction with third parties is solely between you and the provider.

7. No Guarantees or Warranties

We make no guarantees regarding:

Lead quality or availability
Service outcomes or eligibility
Compensation, approval, or results

Services are provided “as is” without warranties of any kind.

8. Intellectual Property Rights

All content, trademarks, logos, and materials on this website are the exclusive property of Heritus Algorix or its licensors and are protected by U.S. intellectual property laws.

Unauthorized use is strictly prohibited.

9. Limitation of Liability

To the maximum extent permitted by law, Heritus Algorix shall not be liable for:

Indirect, incidental, or consequential damages
Loss of data, revenue, or business opportunities
Errors, technical failures, or service interruptions
Actions or omissions of third-party partners

Use of this website is at your own risk.

10. Indemnification

You agree to indemnify and hold harmless Heritus Algorix, its affiliates, officers, employees, and partners from any claims arising from:

Your misuse of the website
Violation of these Terms
False or misleading information provided by you

11. Termination of Use

We reserve the right to suspend or terminate access to our website or services at any time, without notice, for violations of these Terms.

12. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

13. Modifications to Terms

We may update these Terms at any time. Changes become effective immediately upon posting. Continued use of the website constitutes acceptance of the revised Terms.

14. Contact Information

For questions regarding these Terms & Conditions:

Heritus Algorix
Email: info@heritusalgorix.com
Website: https://heritusalgorix.com