Terms of Service

These Terms of Service (the “Terms”) govern access to and use of RTO Revenue OS (the “Service”), provided by No-Bull Marketing (“we”, “us”). The business that signs up for the Service is the “Dealer” or “you”. By creating an account or using the Service you agree to these Terms on behalf of your business. If you do not have authority to bind the business, do not use the Service.

1. The Service

The Service is business software for rent-to-own and retail dealers: landing pages and storefronts, campaign and media tracking, lead capture and follow-up, SMS and email tools, advertising integrations, call tracking and reporting. It is offered to businesses only, not to consumers. Features that rely on third parties (for example Twilio, Meta or your point-of-sale system) work only while you have connected them and those providers are available.

2. Accounts and users

• You are responsible for your users, their permissions and everything done under your account. Keep credentials confidential and tell us promptly at support@no-bullmarketing.com about any unauthorized access.
• You must give accurate account information and keep it current.
• We may provide support access to your account to fix problems you report or to keep the Service secure. Support access is logged.

3. Subscription, billing and month-to-month cancellation

• Plans are billed month to month in advance unless a written order form says otherwise. There is no long-term commitment.
• You may cancel at any time from your account or by emailing support@no-bullmarketing.com. Cancellation takes effect at the end of the current billing month; you keep access until then. We do not issue partial-month refunds unless required by law.
• Usage-based costs you choose to incur (for example SMS messages, phone numbers or ad spend with third parties) are your responsibility and may be billed by the provider directly or passed through at cost as stated in your plan.
• We may change prices with at least 30 days’ notice. Changes apply from your next billing month; you can cancel before then.

4. Your data

• You own your data. Customer records, leads, agreements, payments, content and uploads you put into the Service (“Dealer Data”) belong to you. We use Dealer Data only to provide, secure and support the Service for you, as described in our Privacy Policy and Data Processing summary. We do not sell Dealer Data and we do not use it to market to your customers for anyone else.
• Export. You can export your customers, leads and reports at any time while your account is active, and for 30 days after cancellation on request.
• Deletion on cancel. After cancellation we keep Dealer Data for 30 days so you can export it or reactivate, then delete it from the live systems. Encrypted backups roll off within a further 35 days. We may keep minimal records required by law (for example billing records and opt-out/suppression lists needed to honor do-not-contact requests) and aggregated statistics that do not identify you or your customers.
• You are responsible for having the rights and notices needed to give us Dealer Data, including personal information about your customers.

5. Messaging, calls and the TCPA — who is responsible for what

SMS, calls and email sent through the Service are sent on your behalf and at your direction. You are the sender for legal purposes.

You are responsible for:

• Getting and keeping the consent required by the Telephone Consumer Protection Act (TCPA), CAN-SPAM, state telemarketing and mini-TCPA laws, and carrier rules (including 10DLC registration content) before you text, call or email anyone.
• The content of your messages, quiet hours for your customers’ time zones, identifying your business, and honoring opt-outs you receive outside the Service.
• Numbers and lists you import: you confirm they were collected lawfully with appropriate consent.
• Call recording notices where you enable recording (some states require all-party consent).

We are responsible for:

• Providing tools that record consent, capture consent language on our lead forms, process STOP/UNSUBSCRIBE replies automatically, keep a suppression list and block sends to suppressed or opted-out contacts.
• Operating those tools as described and fixing defects promptly when reported.

These tools help with compliance but do not make any campaign compliant by themselves. We may pause messaging on an account to protect carriers, recipients or the Service when we see signs of unlawful or abusive sending.

6. Advertising, pricing disclosures and content

• You are responsible for your advertising and storefront content, including rent-to-own pricing disclosures required by your state (such as number of payments, total cost and ownership terms), donation or cause claims, and platform ad policies. The Service provides disclosure settings and publish checks as a convenience; they are not legal advice.
• You grant us a limited license to host, display and transmit your content only to operate the Service.
• Do not use the Service for unlawful, deceptive or infringing content, to send spam, or to probe, overload or reverse engineer the Service.

7. Custom domains and third-party services

If you connect your own domain, you are responsible for its DNS records and registration. Integrations with third parties (Twilio, Meta, email providers, point-of-sale systems) are governed by those providers’ terms; we are not responsible for their availability or changes. Phone numbers purchased for call tracking are purchased only when an admin on your account requests it.

8. No guarantee of results

We do not guarantee any number of leads, rentals, sales, revenue, response rates, ad performance or return on spend. Example dashboards, sample data and illustrative figures on our site or in demo accounts are fictional and are not results achieved for any dealer. Attribution and cost-per-rental figures are estimates based on the data available to the Service.

9. Availability and support

We aim to keep the Service available and to give advance notice of planned maintenance, but we do not promise uninterrupted service. Support is provided by email at support@no-bullmarketing.com during normal business hours (US Central).

10. Security

We use reasonable administrative, technical and physical safeguards appropriate to the data involved, summarized in the Data Processing summary. We will notify you without undue delay after confirming a security incident affecting your Dealer Data.

11. Warranties and disclaimers

Except as expressly stated in these Terms, the Service is provided “as is” and “as available”. To the fullest extent permitted by law we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement.

12. Limitation of liability

To the fullest extent permitted by law, neither party is liable for indirect, incidental, special, consequential or punitive damages, or lost profits or revenue. Our total liability arising out of the Service in any 12-month period is limited to the fees you paid us for the Service in that period. These limits do not apply to a party’s indemnity obligations or to liability that cannot be limited by law.

13. Indemnity

You will defend and indemnify us against third-party claims arising from your messages, calls, advertising content, pricing disclosures, or your breach of Section 5 or 6. We will defend and indemnify you against third-party claims that the Service itself, as we provide it, infringes their intellectual property.

14. Suspension and termination

We may suspend access for non-payment after notice, or immediately if needed to stop unlawful activity or protect the Service. Either party may terminate for material breach not cured within 15 days of notice. Sections 4, 8 and 11–16 survive termination.

15. Changes to these Terms

We may update these Terms. We will post the updated date at the top and, for material changes, give at least 30 days’ notice by email or in the app. Continued use after the effective date means you accept the changes; otherwise you may cancel.

16. General

These Terms are governed by the laws of the State of Arkansas, without regard to conflict-of-law rules, and disputes will be brought in the state or federal courts located in Arkansas. A signed order form controls if it conflicts with these Terms. Neither party may assign these Terms without consent except to a successor of its business. Questions: support@no-bullmarketing.com.