Terms of Service

These terms govern your use of UCC Scout at uccscout.com (the “Service”). By creating an account or using the Service you agree to them on behalf of yourself and the business you work for (“you”). If you don't agree, don't use the Service.

1. What the Service is

UCC Scout compiles financing statements that state filing offices publish under Article 9 of the Uniform Commercial Code and estimates which businesses' equipment financing may be ending. Scores, categories and lender types are automated estimates from public records. They can be wrong, and filings can be late, incomplete or amended. Verify anything you rely on with the business and the official record.

2. Uses that are never allowed

UCC Scout is not a consumer reporting agency, and nothing it provides is a “consumer report” under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.). You may not use the Service or any data from it, in whole or in part:

• as a factor in deciding anyone's eligibility for credit or insurance for personal, family or household purposes;
• for employment purposes, including hiring, promotion, retention or background checks;
• for tenant screening or any other housing decision;
• for any other purpose listed in section 604 of the FCRA (15 U.S.C. § 1681b), or any similar state law;
• to locate, profile, harass or discriminate against any person, including on the basis of a protected characteristic;
• to resell, sublicense or publish the data, in bulk or as a competing product.

The Service is for prospecting businesses for commercial equipment finance. Filings that name individuals or sole proprietors are flagged and excluded from exports and the API; do not try to work around that. We may suspend any account we reasonably believe is breaking this section, without refund.

3. Your outreach must be lawful

You alone are responsible for how you contact anyone you find through the Service. In particular:

• Email: follow the CAN-SPAM Act. Identify yourself and your business truthfully, use accurate headers and subject lines, include a valid physical postal address, give a clear way to opt out, and honor opt-outs within 10 business days.
• Calls and texts: follow the Telephone Consumer Protection Act and its rules. Don't use an autodialer, prerecorded or artificial voice, or automated texts to reach a mobile number without the prior express written consent the law requires. Scrub against the National Do Not Call Registry and your own do-not-call list, call only between 8 a.m. and 9 p.m. in the recipient's time zone, and follow state telemarketing and “mini-TCPA” laws.
• Follow any other law that applies to commercial solicitation in the places you do business.

UCC Scout does not provide personal phone numbers and does not look them up.

4. Accounts and teams

Keep your sign-in secure; you're responsible for activity on your account. A team owner controls billing, seats, invites and API keys, and is responsible for the people they invite. Each seat is for one named person. API keys are secrets; revoke any key you think has leaked.

5. Trials, plans and billing

New teams get a 7-day trial without a card: the full Radar for one state, alert emails and up to 50 exported rows. Paid plans renew automatically each month, quarter or year until cancelled. Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders; it handles payment, invoices and sales tax, and provides customer service for orders and returns. You can cancel at any time from the billing portal; you keep access until the end of the paid period. Refunds follow our Refund Policy. Plan limits, such as export rows per month, reset on the first day of each calendar month (UTC). We may change prices with at least 30 days' notice before your next renewal.

6. Data you download

While your subscription is active you may use exports and API results inside your business to prospect and service customers, including in your CRM. The underlying public records belong to no one; our compilation, scoring and software are ours. Don't scrape the Service, get around its limits or access it by automated means other than the API.

7. Records about people

Public filings sometimes name individuals. If you are a person named in a filing and want it suppressed from UCC Scout, write to support@uccscout.com and we will act on it. See the Privacy Policy for how we handle personal information.

8. Disclaimers and liability

The Service is provided “as is” and “as available”, without warranties of accuracy, completeness, merchantability or fitness for a particular purpose. To the extent the law allows, UCC Scout is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits or data, and our total liability for any claim is limited to the fees you paid in the 12 months before it arose.

You will defend and indemnify UCC Scout against claims arising from your outreach, your breach of these terms, or your violation of any law, including the FCRA, CAN-SPAM and the TCPA.

9. Ending the agreement

You may stop using the Service at any time. We may suspend or end access for a breach of these terms, especially sections 2 and 3. Sections 2, 3, 6, 8 and 10 survive termination.

10. General

We may update these terms and will tell account owners about material changes by email before they take effect. These terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws rules. Questions: support@uccscout.com.