Terms of Service

These Terms of Service ("Terms" or "Agreement") constitute a legally binding agreement between you and Omnia Intelligence Group, Inc. ("Omnia," "we," "us," or "our"), a Delaware corporation, governing your access to and use of the OmniaIQ platform and all related services, APIs, documentation, and tools (collectively, the "Platform").

By registering for an account, accessing the Platform, executing an API call, installing the CaptureIQ JavaScript embed, or otherwise using any part of the Platform, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you are entering into this Agreement on behalf of a business entity, you represent and warrant that you have authority to bind that entity, and references to "you" in this Agreement include that entity.

If you do not agree to these Terms, do not access or use the Platform.

OmniaIQ is a B2B pre-qualification intelligence platform operated by Omnia Intelligence Group, Inc. The Platform consists of the following products and services:

• OmniaIQ API: A REST API that accepts a business owner's name, phone number, and email address and returns a real-time soft credit pre-qualification result including credit tier, time-in-business indicator, and a structured qualification decision. One API run is consumed per call.
• VectorIQ: A model training interface through which Customers upload historical funded deal records (Winners) and declined-lead records (Losses) to improve the accuracy of their OmniaIQ pre-qualification results over time. Powered by Omnia's proprietary internal vector database.
• CaptureIQ: An exit-intent lead capture popup installed on a Customer's website that displays a free Fundability Report offer to departing visitors. The popup collects the visitor's name, email, and phone number with required FCRA consent, triggers an instant soft credit pre-qualification, and logs the lead to the Customer's dashboard and configured CRM or webhook destination.

Omnia reserves the right to modify, expand, limit, or discontinue any product or feature at any time with reasonable notice where practicable. OmniaIQ is not an underwriting platform and does not make credit decisions on behalf of lenders. OmniaIQ results are pre-qualification indicators only and do not constitute a guarantee of credit approval or loan funding.

To use the Platform, you must:

• Be at least 18 years of age
• Be a business, company, partnership, sole proprietor, or other legal entity operating in the United States
• Have a legitimate commercial purpose for accessing pre-qualification data, consistent with permissible purposes under the FCRA
• Certify your permissible purpose at the time of account registration
• Be capable of complying with applicable law, including FCRA, TCPA, CAN-SPAM, and state equivalents
• Not be prohibited from using the Platform under applicable law

Platform access is provisioned by Omnia's team. Omnia reserves the right to decline or terminate any account at its discretion, including based on industry category, compliance history, or inability to verify permissible purpose.

Upon account approval, you will receive an API key and portal access credentials. You are responsible for maintaining the confidentiality of your API key and all credentials associated with your account. API keys are hashed at rest and displayed in full only once upon generation. You may not share, transfer, or sublicense your API key or portal access to any third party without Omnia's prior written consent.

You agree to provide accurate and current information at the time of registration and to update that information as necessary. Omnia may suspend or terminate accounts if registration information is found to be false, inaccurate, or outdated.

You are responsible for all activity occurring under your account and API key, including any API calls made using your credentials regardless of by whom. If you believe your credentials have been compromised, notify Omnia immediately at support@omniaiq.ai.

You may use the Platform solely for lawful business purposes, including:

• Pre-screening your own leads or website visitors to assess creditworthiness indicators prior to outreach
• Routing qualified leads to your internal sales team, dialer, or CRM
• Training your OmniaIQ decision model by uploading historical win/loss data via VectorIQ
• Capturing and pre-qualifying exit-intent website visitors via CaptureIQ

All uses must be consistent with a permissible purpose under the FCRA and with all applicable communication laws including TCPA and CAN-SPAM. You agree to use qualification results only for the business purpose you certified at account registration.

You may not use the Platform for any of the following purposes:

• Obtaining consumer credit reports for personal, family, or household use
• Any purpose not permitted under the FCRA or applicable state credit laws
• Submitting leads without having obtained required FCRA consent from those individuals
• Using Platform data to conduct outbound SMS or voice campaigns without required TCPA prior express written consent from each contact
• Reselling, sublicensing, or redistributing raw qualification data to third parties without prior written authorization from Omnia
• Reverse engineering, decompiling, or attempting to extract the underlying scoring logic, model weights, or proprietary methodology of the Platform
• Using qualification data to make employment, housing, insurance, or other eligibility decisions requiring FCRA-compliant adverse action procedures — the Platform is not designed or authorized for these use cases
• Processing leads in any prohibited industry category, including cannabis, adult entertainment, firearms retail, gambling, payday lending, debt settlement, MLM or pyramid selling, and cryptocurrency exchange operations
• Attempting to circumvent API rate limits, billing controls, or access controls
• Accessing the Platform in any manner designed to probe, scan, or test for vulnerabilities without prior written authorization from Omnia
• Submitting false, fabricated, or third-party-owned leads for which you have no permissible purpose to screen
• Using the Platform in connection with any unlawful scheme, fraud, or deceptive trade practice

Violation of any prohibited use provision may result in immediate account suspension, termination, and potential legal action.

The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., governs the permissible use of consumer credit information. By using the Platform, you acknowledge and agree to the following:

Permissible Purpose

You represent that you have and will maintain a permissible purpose under the FCRA for each and every pre-qualification request submitted to the Platform. Omnia relies on your certification of permissible purpose and does not independently verify purpose for each individual API call.

Consent Requirement — OmniaIQ API

For leads submitted via the OmniaIQ API, you are solely responsible for obtaining written FCRA consent from each lead prior to submitting their information for a credit pre-qualification. You agree to maintain consent records for each lead, including consent date, consent language presented, and the method of consent capture. Omnia provides sample FCRA disclaimer language as a convenience; this does not constitute legal advice.

The following is sample FCRA consent language you may adapt: "By submitting this form, I authorize [Company Name] and its authorized partners to obtain my consumer credit profile under the FCRA for the purpose of evaluating my eligibility for business financing. I understand this is a soft inquiry and will not affect my credit score."

Consent — CaptureIQ

For CaptureIQ leads, FCRA consent is captured directly by Omnia's CaptureIQ popup form. The FCRA disclaimer is fixed and non-editable. Customers may not modify, remove, or suppress the FCRA disclaimer or its required checkbox. ConsentDate and ConsentIP are recorded server-side at time of form submission and are available in the Customer dashboard.

No Hard Pulls

The Platform initiates soft credit pulls only. Soft pulls do not impact a lead's credit score and are not visible to other creditors on the lead's credit file. The Platform does not support or initiate hard credit inquiries.

Adverse Action

OmniaIQ pre-qualification results are pre-screening tools only. If you use pre-qualification results in a way that constitutes a credit decision under the FCRA or Equal Credit Opportunity Act (ECOA), including denying a business financing application, you are solely responsible for complying with all applicable adverse action notice requirements. For businesses with gross revenue of $1 million or less, Adverse Action Notices may be required under Regulation B.

Customer Responsibility

The Platform delivers pre-qualification data to Customers for use in their own sales and outreach workflows. Omnia is not a party to any communication you initiate with leads using Platform data. When conducting outbound phone, SMS, or email outreach using OmniaIQ qualification results, you are solely and exclusively responsible for compliance with all applicable communication laws, including without limitation:

• The Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227
• The FTC Telemarketing Sales Rule (TSR), 16 C.F.R. Part 310
• The CAN-SPAM Act, 15 U.S.C. § 7701 et seq.
• Applicable state telemarketing, auto-dialer, and electronic communication laws
• Wireless carrier A2P 10DLC program requirements and The Campaign Registry (TCR) policies

TCPA Consent Requirements

The TCPA prohibits using an automatic telephone dialing system (ATDS) or prerecorded or artificial voice to call or text any wireless number without prior express consent. For marketing messages, prior express written consent is required. You agree to:

• Obtain prior express written consent from each lead before sending any autodialed, prerecorded, or artificial-voice message to a wireless number
• Maintain verifiable consent records for each contact, including the consent date, consent language, and method of capture, for a minimum of 5 years
• Restrict outbound contact to 8:00 AM through 9:00 PM in the called party's local time zone
• Honor opt-out requests (including STOP, QUIT, CANCEL, UNSUBSCRIBE, END) within one business day across all channels
• Maintain and routinely update an internal DNC list
• Scrub all contact phone numbers against the National DNC Registry and applicable state DNC registries prior to dialing

A2P 10DLC Registration

If you use OmniaIQ qualification data to send commercial SMS messages via long-code telephone numbers (10DLC), you are required to register your brand and SMS campaign with The Campaign Registry (TCR) and obtain approval from your SMS gateway provider in accordance with CTIA guidelines and carrier requirements. Unregistered A2P traffic is subject to carrier filtering and may result in your messages being blocked. Omnia is not your SMS provider and is not responsible for carrier compliance related to your outbound SMS campaigns. Omnia maintains its own separate A2P 10DLC registrations for platform-level transactional messaging only.

Email — CAN-SPAM

Any commercial email you send to leads using Platform data must comply with the CAN-SPAM Act, including: accurate sender identification, a non-deceptive subject line, clear identification as a commercial message, a valid physical postal address, and a functional opt-out mechanism. Opt-out requests must be honored within 10 business days. Penalties for CAN-SPAM violations can reach up to $53,088 per email.

DNC Scrubbing

You acknowledge that phone numbers returned or identified through the Platform have not been pre-scrubbed against the National DNC Registry or any state DNC list. DNC scrubbing is your sole responsibility prior to any outbound dialing or SMS campaign. You further acknowledge responsibility for scrubbing against reassigned number databases and litigator lists appropriate to your compliance risk profile. Consult your dialer provider about the specific DNC scrubbing databases included in their service.

Customer Data

You retain ownership of all lead data you submit to the Platform. Omnia processes your lead data to deliver the services described in this Agreement and does not sell, license, or share your lead data with other Customers or with unaffiliated third parties except as described in the Privacy Policy and Section 10 below.

Qualification Signals and Model Training

Every pre-qualification processed through the Platform generates a qualification outcome signal — a structured result (qualified or not qualified) associated with the lead's profile. By using the Platform, you acknowledge and agree that these outcome signals, and the non-credit demographic attributes derived from them, are used by Omnia in the following ways:

• Platform-Level Intelligence (Global): Qualification outcome signals across all Customer accounts contribute to training Omnia's proprietary core intelligence layer — a vector database maintained internally by Omnia Intelligence Group. This enables the Platform to continuously learn what a "qualified" versus "disqualified" profile looks like across different account types, industries, and lending verticals, improving pre-qualification accuracy platform-wide. No PII and no raw credit report data are passed into this training pipeline.
• Account-Level Intelligence (VectorIQ): Each qualification outcome simultaneously contributes to your account's individual VectorIQ model instance. Every qualified and disqualified result trains your account's algorithm using patterns specific to your lead sources, account type, and industry, improving predictive accuracy for your account over time. Your account-level model is trained exclusively on your own data and is never shared with or visible to other Customers.

The training signal consists of a one-way hashed email and hashed name — no personally identifiable information or raw credit data is transmitted into the model training layer. Internally, these hashed identifiers map to rich demographic profiles derived from Omnia's identity resolution infrastructure, encompassing hundreds of non-credit behavioral and demographic attributes. The model learns from these demographic signals to build progressively accurate "qualified" and "disqualified" profiles for each account type. You do not retain any rights to the models, scoring logic, or vector representations produced from this training data.

VectorIQ Uploads

Win/loss records uploaded via VectorIQ contribute to your account-level model training in the same manner as automatically generated qualification signals. In aggregate and de-identified form, upload data may also contribute to improvements in Omnia's global intelligence layer. You retain ownership of your original data files but hold no rights to the models or vectors produced from aggregate training.

Platform Data

Omnia retains ownership of all API infrastructure, scoring models, qualification algorithms, proprietary methodology, and Platform-generated data including its proprietary vector database, aggregate performance metrics, and system logs. Nothing in this Agreement grants you any ownership interest in Omnia's proprietary systems, models, or data assets.

API Output Data

Qualification results returned by the Platform are licensed to you for your internal business use consistent with these Terms. You may not resell, publish, or distribute raw qualification results without Omnia's prior written consent.

No Sale of Data to Unaffiliated Third Parties

Omnia Intelligence Group, Inc. does not sell, rent, license, or trade Customer data or lead data to unaffiliated third parties for advertising, lead monetization, or any commercial purpose outside of delivering the Platform services. This prohibition extends to external data brokers, aggregators, and unaffiliated marketing networks. Customer lead data is not shared with other Customers; each account is logically isolated at the database level.

Omnia Intelligence Group Portfolio Rights

By using the Platform, you acknowledge and agree that Omnia Intelligence Group, Inc. retains broad rights to use data processed through the Platform — including qualification outcomes, derived demographic signals, and contact information collected through Platform-embedded forms and tools — in connection with the operation, improvement, and promotion of its existing and future portfolio of products and services. These rights include, without limitation:

• Communicating with Customer account contacts regarding Platform updates, new capabilities, and products offered within the Omnia portfolio
• Using aggregated qualification outcome data and derived non-credit demographic signals — independent of raw credit report data — to identify individuals who may benefit from financial products and services within the Omnia Intelligence portfolio, including credit improvement programs, financial wellness tools, and related offerings, consistent with applicable law and consents obtained
• Using Platform data in aggregate to develop, test, improve, and promote Omnia Intelligence Group products and services, including future offerings within the portfolio

All communications made by Omnia in exercise of these rights will identify Omnia Intelligence Group, Inc. as the sender, comply with applicable communication law, and include a functional opt-out mechanism honored within 10 business days. Opting out does not affect Platform access or transactional account communications.

Omnia takes the security and integrity of data entrusted to the Platform seriously and employs the following technical and organizational safeguards.

Infrastructure

All Platform data is stored in the United States on managed PostgreSQL infrastructure hosted with enterprise-grade cloud providers that maintain physical security controls. Data is not transferred to servers outside the United States as part of standard Platform operations.

Organizational Controls

Omnia maintains written information security policies covering data classification, access management, vendor oversight, and incident response. Internal access to production data is restricted to personnel with a documented business need, consistent with least-privilege principles. Access rights are reviewed regularly.

Vendor Security

All third-party infrastructure providers are reviewed for security posture, data processing agreements, and applicable compliance certifications before integration and on an ongoing basis. Data Processing Agreements (DPAs) are maintained with vendors that handle personal data on behalf of the Platform.

Incident Response

Omnia maintains a documented security incident response plan. In the event of a breach of Customer or lead personal information, Omnia will promptly investigate, notify affected Customers within a reasonable timeframe, and notify the FTC within 30 days if more than 500 consumers are affected, consistent with the FTC Safeguards Rule applicable to financial service finders under GLBA. Omnia will cooperate with regulatory investigations as required.

Your Obligations

You are responsible for maintaining the security of your API keys, account credentials, and any Customer systems that receive, store, or process data from the Platform. Omnia is not responsible for data breaches arising from insecure Customer-side storage, misconfigured webhooks, or compromised Customer credentials.

The Platform, including its software, APIs, scoring logic, machine learning models, documentation, brand assets, trademarks, and all associated intellectual property, is the exclusive property of Omnia Intelligence Group, Inc. and its licensors. These Terms do not grant you any ownership interest in the Platform or any of its components.

OmniaIQ, BeeLine™, NectarMatch™, HoneyScore™, HiveShield™, and related marks are trademarks of Omnia Intelligence Group, Inc. You may not use Omnia or OmniaIQ trademarks, service marks, logos, or trade dress in connection with any product, service, or communication without Omnia's prior written consent.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely as described in this Agreement, for the duration of your active account, and solely for the permitted uses specified in Section 05.

No content on the Platform — including documentation, methodology descriptions, or product architecture — may be copied, distributed, modified, or used to create derivative works without Omnia's express written permission.

Platform access is available under subscription plans as described on the pricing page or in a separately executed order form. Subscription fees are billed in advance for each billing cycle. Overage runs (API calls exceeding your plan's included allocation) are tracked and billed at the applicable overage rate at the end of each billing cycle.

You agree to maintain valid payment information on file. Payments are handled through a PCI-compliant third-party payment processor. Omnia does not store raw credit card or payment account numbers. By providing payment information, you authorize Omnia to charge your payment method for all amounts due under this Agreement.

Fees are non-refundable except as explicitly required by law or as determined by Omnia in its sole discretion. Disputed charges must be raised within 60 days of the charge date. After 60 days, charges are deemed accepted.

Omnia reserves the right to modify pricing upon reasonable notice. Continued use of the Platform after a pricing change takes effect constitutes acceptance of the new pricing. Accounts with overdue balances may be suspended without further notice.

You agree to indemnify, defend, and hold harmless Omnia Intelligence Group, Inc. and its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Platform in violation of these Terms or applicable law
• Your failure to obtain required FCRA consent from leads prior to submitting their data to the Platform
• Any TCPA, TSR, CAN-SPAM, or state telemarketing law violation arising from your outbound calling, SMS, or email campaigns using Platform data
• Your failure to maintain A2P 10DLC registration or comply with carrier SMS program requirements
• Your use of qualification results in a manner that triggers adverse action notice obligations or other regulatory requirements
• Any misrepresentation made by you at account registration or during Platform use
• Any violation of third-party rights caused by your use of the Platform
• Any data breach, data loss, or unauthorized access arising from insecure Customer-side storage, systems, or credential management

All disputes, claims, or controversies arising out of or relating to this Agreement, the Platform, or your use thereof — including questions of arbitrability — shall be resolved by final and binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services) in accordance with its Commercial Arbitration Rules, as modified by this Section.

The arbitration shall be conducted in English. The parties shall bear their own costs unless the arbitrator determines otherwise. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver: You and Omnia each waive the right to participate in a class action, collective action, or representative proceeding. All claims must be brought in the parties' individual capacities.

Jury Trial Waiver: You and Omnia each voluntarily and knowingly waive any right to a jury trial in connection with any dispute related to this Agreement.

Nothing in this Section prevents either party from seeking injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending arbitration, or from filing a complaint with a regulatory agency.

Either party may terminate this Agreement at any time. You may close your account by contacting Omnia at support@omniaiq.ai. Omnia may suspend or terminate your account immediately, without notice, if Omnia determines in its sole discretion that you have violated these Terms, engaged in prohibited use, or pose a legal, compliance, or reputational risk.

Upon termination: (a) your license to use the Platform is immediately revoked; (b) your API key is deactivated; (c) any outstanding fees remain due; and (d) Omnia will retain your data for the periods required under its data retention policy and applicable law.

Sections that by their nature should survive termination will survive, including those relating to intellectual property, indemnification, disclaimers, limitation of liability, arbitration, and governing law.

This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. To the extent any dispute is not subject to arbitration under Section 17, the parties consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

The Platform is operated from within the United States. Omnia makes no representation that the Platform is appropriate or available for use outside the United States. Accessing the Platform from locations where its content or use is illegal is prohibited.

Omnia reserves the right to update or modify these Terms at any time. When material changes are made, Omnia will update the "Last Revised" date above and, where practicable, provide notice via email or in-platform notification. Your continued use of the Platform following any modification constitutes acceptance of the revised Terms.

If you do not agree to revised Terms, you must stop using the Platform and close your account.

These Terms, together with the Privacy Policy and any separately executed order forms or addenda, constitute the entire agreement between you and Omnia relating to the Platform and supersede all prior agreements and understandings. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force.

Questions or legal notices regarding these Terms should be directed to:

Omnia Intelligence Group, Inc.
Attn: Legal
support@omniaiq.ai
omniaiq.ai