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.

Privacy Policy – Heritus Algorix

Who we are

Last Updated: Jan 01^st, 2026

Heritus Algorix (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and share personal information when you visit our website, submit your information, or interact with our marketing services.

By using our website or services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

a. Personal Information

When you voluntarily submit information through forms, calls, or other interactions, we may collect:

Full name
Email address
Phone number
Location (city/state/ZIP)
Any additional information you provide voluntarily

b. Call & Lead Data

We may collect:

Call recordings and call metadata (date, time, duration)
Lead source and referral data
Device and browser information

c. Automatically Collected Information

Through cookies and tracking technologies:

IP address
Browser type
Pages visited
Time spent on the site
Referring URLs

2. How We Use Your Information

We use collected information to:

Connect consumers with relevant service providers or advertisers
Respond to inquiries and provide requested services
Improve our website, campaigns, and lead quality
Monitor compliance, prevent fraud, and ensure quality assurance
Comply with legal and regulatory obligations
Perform analytics and performance tracking

3. Sharing of Information

We may share your information with:

Advertising partners, buyers, or service providers relevant to your inquiry
Call tracking, analytics, and marketing platforms (including Ringba and similar services)
Legal authorities if required by law or to protect our rights

We do not sell personal data in the traditional sense but may share data for legitimate business and marketing purposes consistent with this policy.

4. Call Recording & Consent

Calls may be recorded for:

Quality assurance
Training
Compliance
Dispute resolution

By calling or submitting your phone number, you consent to call recording and communication via phone, SMS, or email, as permitted by law.

5. Cookies & Tracking Technologies

We use cookies, pixels, and similar technologies to:

Track website performance
Improve user experience
Measure advertising effectiveness

You can disable cookies through your browser settings, though some site functionality may be affected.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no online transmission is 100% secure, and we cannot guarantee absolute security.

7. Your Rights & Choices

Depending on your jurisdiction, you may have the right to:

Request access to your personal data
Request correction or deletion of your data
Opt out of marketing communications

To exercise these rights, contact us using the details below.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

9. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date.

11. Contact Information

If you have any questions or concerns about this Privacy Policy, please contact us:

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