This policy explains how billing and credits work for live transfers purchased from LiveTransfers.com, operated by Live Transfer Corp. Live transfers are sold through our Live Transfer Exchange, and quality control happens in real time through the 120-second buffer — not through returns after the fact.
The 120-second buffer
Every live transfer purchased on the Live Transfer Exchange, in every vertical — mortgage, refinance, insurance and more — includes a 120-second buffer.
- When a transfer connects, your loan officer or agent has 120 seconds to confirm the prospect is interested and meets the quality filters set on your campaign.
- If the prospect is not interested or does not meet your filters, end the call within 120 seconds and the call is not billed.
- Any call that stays connected longer than 120 seconds is billable, regardless of the outcome of the conversation.
- Calls that are not answered, or that disconnect before reaching your phone, are not billed.
Your quality filters
Your quality filters are the parameters you set on your campaign, such as licensed states, minimum loan amount, loan-to-value, credit range, loan type, property type, occupancy and the homeowner's goal. They are what your team checks during the 120-second buffer. Keep your filters current: changes take effect on calls delivered after you save them.
No returns or replacements after billing
Because the 120-second buffer gives you the chance to qualify every call before it becomes billable, a call that passes the buffer is final. Billable calls are not returned, refunded or replaced, including when the prospect:
- changes their mind, or says they are not interested after hearing your offer;
- gets a loan or policy elsewhere;
- does not qualify for your rates or programs after a full application or credit pull; or
- does not answer your follow-up calls.
If you believe you were billed for a call that ended inside the buffer, or billed more than once for the same call, contact us within 7 days with the call date, time and the prospect's phone number and we will review your call logs. Billing errors confirmed by our records are credited to your account.
Contacting prospects
By accepting live transfers you agree to treat every prospect professionally, to offer them your most competitive rates and highest level of service, and to honor any request to stop contacting them. If a prospect asks not to be contacted again, add them to your internal Do Not Call list and notify us within ten (10) business days.
Confidentiality
Prospect information delivered with a live transfer is confidential. You may use it only to serve that prospect and only for your own business. You may tell a prospect how you received their call, but you may not sell, share or disclose their information to any third party.
Release
LiveTransfers.com is not a party to any transaction between you and a prospect, and does not guarantee the information provided by prospects or your results. If you have a dispute with a prospect or client obtained through a live transfer, you release Live Transfer Corp and its officers, directors, agents, subsidiaries and employees from all claims, demands and damages of every kind, known and unknown, arising out of or connected with that dispute.
Questions
Call 1-800-622-4319, use the form below, or write to Live Transfer Corp, 535 5th Avenue, New York, NY 10017. To set up or change a campaign, log in to the Live Transfer Exchange.
Frequently asked questions
How does the 120-second buffer work?
When a live transfer connects, you have 120 seconds to confirm the prospect is interested and meets your quality filters. End the call within 120 seconds and it is not billed; calls longer than 120 seconds are billable.
Can I return a live transfer after it is billed?
No. The 120-second buffer is your chance to qualify each call, so calls that pass it are final. Confirmed billing errors, such as a call billed that ended inside the buffer or a duplicate charge, are credited after review.