Terms & Conditions

About these terms

Full Count Creative (“we”, “us”) makes Dibs, a lead desk for lenders. These terms cover the Dibs website, the lead desk, the text alerts the lead desk sends, and the Lintel site with its assistant, Morty. By using any of them you agree to these terms.

A demonstration, not a lender

Lintel is an invented lender that Full Count Creative built to demonstrate Dibs. It is not a licensed lender and does not make loans. The loan officers shown are sample profiles.

Nothing on these sites is a loan offer, a pre-approval, a rate quote, a lending decision, or financial advice. The figures Morty and the calculators give are illustrative estimates only. Talk to a licensed lender before making a decision about a mortgage.

Using the service

• Use the service only in ways the law allows.
• Do not send Social Security numbers, passwords, bank logins, or financial documents. The service does not ask for them.
• Do not submit another person’s contact details without their permission.
• Do not try to disrupt the service, get around its limits, or reach data that is not yours.

The lead desk is for people a workspace owner has given access to. Keep its password private, and tell us if you think someone else has it.

SMS Terms

Program. Dibs lead alerts, sent by Full Count Creative.

Who receives them. Loan officers and workspace owners who gave us their mobile number while setting up the lead desk and agreed to receive alerts at it. We do not text borrowers or other site visitors.

How you opt in. When we set up your lead desk we ask you, out loud: “Dibs can text you when a new lead lands on your lead desk, so you can reply to take it or pass. Would you like to get these lead alerts from Full Count Creative at your mobile number? Message frequency varies with how many leads come in. Message and data rates may apply. You can reply STOP at any time to stop, or HELP for help. Agreeing is not a condition of buying anything.” If you say yes, we record your mobile number as the alert number and send one text confirming it. If you say no, we record no number and send nothing.

What we send. A text when a new lead arrives on your lead desk, and a reply when you text back: reply 1 to take the lead or 2 to pass on it.

How often. Message frequency varies with the number of new leads.

Cost. Message and data rates may apply, according to your mobile plan. We do not charge for the texts.

Stopping. Reply STOP at any time to stop the alerts. You will get one message confirming it and nothing after that. Reply START to turn them back on.

Help. Reply HELP, or email jb@fullcountcreative.com.

Delivery. Mobile carriers are not liable for delayed or undelivered messages.

Privacy. How we handle your number is set out in our Privacy Policy. We do not sell or share your SMS opt-in data or personal information with third parties for marketing purposes.

No warranty

The service is provided as it is, without warranties of any kind. We do not promise that it will be available without interruption, or that its estimates, scores, and summaries are accurate or complete.

Limit of liability

To the extent the law allows, Full Count Creative is not liable for indirect or consequential losses that come from using the service or relying on what it shows.

Changes

We may change the service or these terms. When the terms change we will post the new version here and update the date at the top. Using the service after that means you accept the new terms.

Contact

Questions about these terms go to Full Count Creative at jb@fullcountcreative.com.