Terms Of Service

By submitting this form, you agree to our lead delivery terms.
Each lead is verified, exclusive, and charged at $75 per delivered lead.
All payments are non-refundable, with a 1-for-1 replacement guarantee for any invalid or unqualified leads.
By proceeding, you authorize MortgageLeads.Agency to charge your selected payment method for each verified lead delivered.

Privacy Policy

Effective Date: October 26, 2024

1. Purpose

This Privacy Policy explains how Olkro Oy (“we,” “our,” “us”) collects, uses, and protects your personal information when you use our website www.mortgageleads.agency (the “Site”).

2. Personal Data We Collect

We may collect:

Automatically: IP address, location, browser information, pages viewed, links clicked.

Via forms: name, email address, phone number, and business information.

3. Purpose of Use

We use collected data for:

Advertising and marketing optimization

Communication with customers and partners

Statistical analysis

4. Data Sharing

We may share limited data with trusted third parties such as advertising platforms strictly for marketing optimization.
We never sell personal data.

5. Data Storage & Security

Your data is stored securely on encrypted servers. While we use best practices to safeguard information, no online system is entirely risk-free.

6. International Transfers

We may transfer data to the United States for service operation. Such transfers are handled with care and in compliance with EU data protection regulations.

7. Data Retention

Data is stored only as long as necessary to fulfill its intended purpose or comply with legal obligations.

8. Your Rights

You may request access, correction, or deletion of your personal data at any time by contacting [email protected].

9. Cookies

Our Site uses cookies for functionality, analytics, and targeted advertising. You can disable cookies in your browser settings, though some features may not function properly.

10. Children

We do not knowingly collect data from persons under 13 years old.

11. Legal Basis

This policy complies with the EU General Data Protection Regulation (GDPR) and Finnish data protection laws.

12. Governing Law & Jurisdiction

This Privacy Policy shall be governed by the laws of Finland, and any disputes shall be resolved in the District Court of Oulu, Finland.

13. Contact

Olkro Oy
Y-tunnus: 2927009-8
Email: [email protected]
Phone: (936) 259-2919

Website Terms & Conditions

Effective Date: October 26, 2025

1. Overview

These Terms and Conditions govern the use of www.mortgageleads.agency, operated by Olkro Oy, Finland.

By accessing or using this Site, you agree to these Terms.

2. Intellectual Property

All content, including text, images, and design elements, is the property of Olkro Oy. Unauthorized reproduction is prohibited.

3. Acceptable Use

You agree not to:

Use the Site for illegal activities

Attempt unauthorized access

Violate others’ rights or intellectual property

4. Limitation of Liability

Olkro Oy shall not be liable for any losses or damages arising from your use of the Site or reliance on its content.

5. Links to Other Websites

We are not responsible for third-party websites linked from our Site.

6. Changes

We reserve the right to update these Terms at any time. Updates take effect upon publication.

7. Governing Law

These Terms are governed by the laws of Finland, and any disputes will be handled by the District Court of Oulu, Finland.

Service Terms & Conditions

Effective Date: October 26, 2025

1. Scope

These Service Terms (“Agreement”) govern all services provided by Olkro Oy through mortgageleads.agency including but not limited to lead generation, marketing campaigns, and advertising management.

2. Guarantee

Olkro Oy guarantees:

PIN-verified phone numbers

Minimum 600+ credit score per lead

100% exclusivity within selected states

However, no specific performance or financial results are guaranteed.

3. Payments & Fees

All payments are final and non-refundable.
By purchasing services, you agree to waive any rights to chargebacks or payment disputes.

4. Cancellations

Clients may cancel at any time with 24-hour written notice to [email protected].
Billing stops after the 24-hour period, but all prior charges remain payable.

5. Client Responsibilities

The Client must provide accurate business details, follow onboarding instructions, and communicate promptly regarding service matters.

6. Limitation of Liability

Olkro Oy is not liable for indirect or consequential losses. Outcomes may vary due to factors beyond our control (market conditions, client actions, ad performance, etc.).

7. Confidentiality

All shared business and client information is kept confidential and used solely for service delivery.

8. Governing Law

This Agreement is governed by Finnish law, and disputes shall be resolved exclusively in Oulu District Court (Oulun käräjäoikeus).

Earnings Disclaimer

Effective Date: October 26, 2025

Olkro Oy and its brand MortgageLeads.agency make no guarantees about potential earnings or results.

Any testimonials or case studies are examples of individual experiences and do not represent guaranteed outcomes. Your results depend on your market, effort, and circumstances.

You understand and agree that:

No income levels or performance results are promised.

Business outcomes vary based on multiple factors beyond our control.

You assume all risk related to the use of our services or materials.

This disclaimer complies with Finnish consumer protection principles and applies globally.

Refund and Cancellation Policy

Effective Date: October 26, 2025

Refunds

All payments made to Olkro Oy are strictly non-refundable, regardless of service outcome or perceived performance.
Once processed, transactions cannot be reversed or disputed.

Cancellations

You may cancel services by providing at least 24 hours’ written notice to [email protected].
After cancellation, no further billing occurs. Charges prior to cancellation remain due.

Jurisdiction

This policy is governed by Finnish law, with all disputes handled in the District Court of Oulu, Finland.