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Terms & Conditions

Effective date: August 11, 2026 · Last updated: August 11, 2026

These Terms & Conditions ("Terms") govern access to and use of the website, platform, and application programming interface operated by Sky Lane Network LLC ("Sky Lane Network," "we," "us," or "our") (collectively, the "Platform") by any person or entity that registers as a Buyer or Seller, submits an inquiry, or otherwise accesses the Platform (each, a "Partner," "you," or "your"). By accessing or using the Platform, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference.

1. Definitions

  • "Buyer" means a Partner that receives Leads through the Platform for its own use or on behalf of a licensed principal.
  • "Seller" means a Partner that submits Leads to the Platform for delivery to Buyers.
  • "Lead" means data relating to an identified consumer who has expressed interest in a product or service within a given Vertical, submitted via Ping, Post, form, or file upload.
  • "Ping" means the transmission of a limited, non-PII subset of Lead fields used to solicit Buyer interest and pricing prior to delivery of the full record.
  • "Post" means the delivery of the complete Lead record to the Buyer that accepted the corresponding Ping.
  • "Campaign" means a Buyer-configured set of filters, price, and delivery rules used to route matching Leads.
  • "Vertical" means a category of Lead (for example, personal loans, auto insurance, or solar) as described on our Verticals page.
  • "Consent" means the affirmative, documented permission obtained directly from a consumer authorizing contact and the sharing of their information as contemplated by these Terms.

2. Eligibility & Accounts

You must be at least 18 years old and have authority to bind the business you represent to use the Platform. You are responsible for the accuracy of your account information and for maintaining the confidentiality of your API keys and login credentials. You are responsible for all activity conducted under your account or API keys.

Buyers operating in regulated verticals (including, without limitation, consumer lending, mortgage, insurance, and legal services) represent and warrant that they, or the licensed principal on whose behalf they act, hold all licenses, registrations, and bonds required by applicable federal and state law to receive, contact, and transact with consumers in that Vertical, and will provide evidence of such licensure upon request.

3. Lead Quality Standards, Disputes & Returns

3.1 Invalid Leads

A Lead may be disputed as invalid, and if valid, refunded or credited, if it meets any of the following criteria within the applicable return window specified in the Buyer's Campaign (or, if unspecified, five (5) business days from delivery):

  • Invalid, disconnected, or unreachable primary contact information (phone number confirmed non-working, or email that hard-bounces);
  • Exact duplicate of a Lead previously delivered to the same Buyer within the applicable suppression window;
  • The consumer's phone number was listed on the National Do Not Call Registry or a comparable state registry, or the consumer had previously revoked consent, prior to submission, in a manner the Seller failed to honor;
  • The consumer states they did not request the product/service or does not recall providing Consent, and the Seller cannot produce compliant Consent documentation upon request; or
  • The Lead is missing required fields specified by the Buyer's Campaign at the time of Post.

3.2 Dispute Process

Disputes must be submitted through the Platform or to compliance@skylanenetwork.com within the applicable return window, with supporting detail. Sky Lane Network will review available delivery, consent, and suppression records and issue a determination. Sellers agree to retain Consent documentation for at least four (4) years and to produce it promptly upon a dispute or regulatory inquiry.

3.3 No Guarantee of Conversion

A Lead's validity is assessed based on the criteria in Section 3.1, not on whether the Buyer converts, contacts, or closes the consumer. Sky Lane Network does not guarantee any rate of contact, conversion, or return on investment.

4. Seller Obligations

Sellers represent, warrant, and agree that:

  • Every Lead submitted was generated through a compliant, disclosed method (for example, a website form, call, or app) where the consumer took an affirmative action to request contact regarding the relevant Vertical;
  • Sellers obtained and will retain documentation of Consent sufficient to satisfy the Telephone Consumer Protection Act ("TCPA"), the Telemarketing Sales Rule, applicable state mini-TCPA and telemarketing statutes, and, where the Lead may be contacted by autodialer, prerecorded, or artificial voice message, "prior express written consent" as defined under TCPA regulations;
  • Sellers will not submit Leads generated through incentivized, co-registration, pre-checked-box, or bundled consent flows that do not clearly and separately disclose the Buyer(s) or category of Buyer(s) who may contact the consumer;
  • Sellers will not submit Leads sourced from purchased or rented consumer data lists, scraped data, or any source where the consumer did not directly and knowingly submit their own information;
  • Sellers will screen against the National Do Not Call Registry, applicable state do-not-call lists, and their own internal suppression list before submission, where required for the applicable contact method; and
  • Sellers will promptly honor and propagate any consumer opt-out, revocation of consent, or deletion request of which they become aware.

5. Buyer Obligations

Buyers represent, warrant, and agree that:

  • Leads will be used solely for the Buyer's own marketing, underwriting, or sales purposes in the Vertical for which they were purchased, and will not be resold, re-posted, or redistributed to a third party without Sky Lane Network's prior written consent;
  • Contact with consumers will comply with the TCPA, Telemarketing Sales Rule, CAN-SPAM Act (for email), applicable state telemarketing and consumer protection statutes, and, where relevant, the Fair Credit Reporting Act, the Equal Credit Opportunity Act (Regulation B), and state lending and licensing laws;
  • Buyers will honor consumer opt-out, do-not-call, and deletion requests directed to them within the timeframes required by applicable law;
  • Buyers will maintain reasonable administrative, technical, and physical safeguards for any Lead Data received, consistent with Section 4 of our Privacy Policy; and
  • Buyers will not use Lead Data to make automated adverse eligibility determinations without providing legally required disclosures and adverse action notices where applicable.

6. TCPA & Consent Allocation of Responsibility

Compliance with the TCPA and related consent requirements is a shared but independent obligation. Sky Lane Network is a technology intermediary and does not itself contact consumers on behalf of Buyers or Sellers, obtain consent, or make Leads compliant by virtue of routing them through the Platform. Each Seller is solely responsible for the legality of Consent obtained at the point of collection, and each Buyer is solely responsible for the legality of its own subsequent contact with the consumer. Nothing in these Terms or on the Platform constitutes legal advice or a guarantee of compliance with the TCPA or any other law, and Partners should consult their own counsel regarding their compliance obligations.

7. Fees, Billing & Payment

Pricing for Leads is set per-Campaign and may be fixed, dynamic, or bid-based. Buyers are billed on the schedule disclosed at onboarding (typically weekly or bi-weekly) for delivered Leads, net of any approved returns. Sellers are paid on the corresponding schedule, net of any approved returns and applicable fees. All fees are in U.S. dollars unless otherwise agreed in writing. Amounts not disputed within the applicable return window are deemed final.

8. Intellectual Property

The Platform, including its software, API, documentation, and design, is owned by Sky Lane Network and protected by applicable intellectual property laws. We grant Partners a limited, non-exclusive, non-transferable license to access and use the Platform and API solely to exchange Leads as contemplated by these Terms. No other rights are granted.

9. Confidentiality

Each party agrees to protect the other's non-public business information, including pricing, Campaign configuration, and traffic sources, using at least the same degree of care it uses for its own confidential information, and not to disclose such information to third parties except as required to perform under these Terms or by law.

10. Disclaimers

THE PLATFORM AND API ARE PROVIDED "AS IS" AND "AS AVAILABLE." EXCEPT AS EXPRESSLY STATED IN THESE TERMS, SKY LANE NETWORK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT LEADS WILL RESULT IN ANY PARTICULAR CONVERSION RATE OR BUSINESS OUTCOME.

11. Indemnification

Each party agrees to indemnify, defend, and hold harmless the other party and its officers, employees, and agents from third-party claims, damages, and reasonable expenses (including attorneys' fees) arising from: (a) its breach of these Terms; (b) for Sellers, any claim that Consent for a submitted Lead was invalid, absent, or non-compliant; (c) for Buyers, any claim arising from the Buyer's contact with, or use of information about, a consumer after receiving a Lead; or (d) its violation of applicable law.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, ARISING FROM THESE TERMS OR USE OF THE PLATFORM. SKY LANE NETWORK'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE FEES PAID OR PAYABLE BY THE APPLICABLE PARTNER TO SKY LANE NETWORK IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13. Term & Termination

These Terms remain in effect while you maintain an account or use the Platform. Either party may terminate an account for any reason on thirty (30) days' written notice, or immediately for a material breach, suspected fraud, or a violation of Section 4, 5, or 6 that is not cured within five (5) business days of notice. Sections relating to fees owed, confidentiality, indemnification, and limitation of liability survive termination.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these Terms will first be addressed through good-faith negotiation between the parties' designated representatives, and if unresolved within thirty (30) days, will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware, and each party consents to personal jurisdiction and venue there.

15. General Provisions

These Terms, together with the Privacy Policy and any Campaign-specific terms agreed in writing, constitute the entire agreement between the parties regarding the Platform. If any provision is held unenforceable, the remaining provisions remain in effect. Neither party may assign these Terms without the other's written consent, except in connection with a merger or sale of substantially all assets. Notices should be sent to the addresses in Section 16. We may update these Terms from time to time; continued use of the Platform after an update constitutes acceptance of the revised Terms.

16. Contact Us

Sky Lane Network LLC
8 The Green, Suite A
Dover, DE 19901
compliance@skylanenetwork.com