Terms of Service

Last updated: 10 April 2026 · Version 2026-04-10

These Terms of Service (“Terms”) govern your use of the lead buying service operated by TLC Marketing Limited (trading as “The Lead Cloud”), a company registered in England and Wales (company number 14846968) with its registered office at 242 Bournemouth Road, Chandler’s Ford, Eastleigh, England, SO53 3HB (“we”, “us”, “our”).

By registering on our platform and accepting these Terms, you (“Buyer”, “you”) agree to be bound by them. If you do not agree, you must not register or use our service.

1. Our Service

We generate and sell exclusive consumer mortgage enquiry leads (“Leads”) to FCA-regulated mortgage brokers and financial services firms in the United Kingdom. Lead types currently available include residential mortgage leads, buy-to-let mortgage leads, and second charge leads. We may add, amend, or remove lead types at any time with reasonable notice.

2. Registration & Eligibility

  1. All registrations are subject to manual review. Submitting a registration does not guarantee approval.
  2. You must provide accurate, complete, and current information during registration, including your company name, contact details, and FCA status where applicable.
  3. You are responsible for ensuring that your business holds the appropriate FCA authorisation (or appointed representative status) to receive and act upon the Leads we provide.
  4. We reserve the right to refuse, suspend, or terminate any account at our discretion.

3. Lead Delivery

  1. Leads are delivered to you via the method selected during registration (email or CRM integration).
  2. You may set a weekly cap on the number of Leads you receive. The minimum weekly volume is 10 Leads. We will endeavour to deliver up to your cap, though actual volumes may vary depending on consumer demand.
  3. Every Lead is exclusive — when a consumer opts in, their details are sold to one buyer only and will not be resold to another buyer within a 90-day exclusivity window.
  4. If a consumer independently re-submits our form (a “re-opt-in”), a new Lead is created and may be allocated to a different buyer. Re-opt-ins are uncommon but can occur days, weeks, or months after the original submission.

4. Pricing & Payment

  1. Lead prices are quoted during the registration process and confirmed in your registration summary. Current standard pricing is £35 per residential or buy-to-let mortgage lead and £40 per second charge lead. We may update pricing with reasonable notice; any change applies only to Leads delivered after the effective date.
  2. No upfront payment is required. No charge is taken during registration.
  3. During registration you provide a payment method (debit or credit card) via our payment processor, Stripe. This card is stored securely by Stripe and will be used to settle weekly invoices.
  4. Invoices are issued weekly (Saturday to Friday cycle) and presented on the following Monday. Invoices are payable on receipt.
  5. If a payment fails, we may pause Lead delivery until the outstanding balance is settled. Persistent non-payment may result in account suspension or termination.
  6. All prices are exclusive of VAT unless stated otherwise.

5. Replacement Policy

  1. We will replace a Lead free of charge if:
    • the phone number provided by the consumer is invalid, out of service, or blatantly fake; or
    • the consumer is clearly the wrong person (e.g. the name does not match and they have no knowledge of the enquiry); or
    • the Lead is a duplicate of another Lead delivered to you within the 90-day exclusivity window.
  2. Replacement requests must be submitted within 72 hours (3 working days) of Lead delivery by emailing returns@theleadcloud.com with the Lead details and the reason for return.
  3. Leads not returned within the 72-hour window are considered accepted and will be invoiced.
  4. We do not replace Leads for: the consumer not answering the phone, not proceeding with a mortgage, not converting into a sale, or any other sales-related outcome.
  5. Approved replacements are credited on your next weekly invoice. We do not issue cash refunds.

6. Your Obligations

  1. You must contact Leads promptly and handle all consumer data in compliance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and all applicable FCA rules and guidance.
  2. You must not resell, redistribute, or share Lead data with any third party without our prior written consent.
  3. You must not use Lead data for any purpose other than contacting the consumer in relation to their mortgage enquiry.
  4. You are solely responsible for the advice you give and the products you recommend to consumers. We are not an FCA-regulated firm and do not provide financial advice.

7. Cancellation

  1. You may pause or cancel Lead delivery at any time by notifying us at hello@theleadcloud.com. We will stop delivery within 24 hours of receiving your request.
  2. There is no minimum contract term or cancellation fee.
  3. Any Leads already delivered before cancellation takes effect remain payable under the standard invoicing terms.
  4. We may cancel your account or suspend Lead delivery at any time by giving you written notice. Where reasonably practicable, we will give at least 7 days’ notice unless immediate action is required (for example, non-payment, fraud, or regulatory concerns).

8. Intellectual Property

All content on this website — including text, graphics, logos, and software — is owned by or licensed to TLC Marketing Limited and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our written permission.

9. Limitation of Liability

  1. To the maximum extent permitted by law, our total liability to you in respect of all losses arising under or in connection with these Terms shall not exceed the total fees paid by you in the 3 months immediately preceding the event giving rise to the claim.
  2. We shall not be liable for any indirect, consequential, or special losses, including lost revenue, lost profit, or loss of business opportunity.
  3. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.
  4. We do not guarantee the accuracy or completeness of any information provided by consumers in their Lead submissions. Leads are generated from consumer self-reported data and we pass them on in good faith.

10. Data Protection

Both parties shall comply with all applicable data protection legislation. Our Privacy Policy explains how we collect, use, and protect your personal data. You acknowledge that you act as an independent data controller in respect of any consumer personal data we provide to you, and you are responsible for your own compliance with data protection law when processing that data.

11. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the platform. Continued use of the service after changes take effect constitutes acceptance of the revised Terms.

12. Governing Law & Disputes

These Terms are governed by the laws of England and Wales. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact

If you have any questions about these Terms, please contact us: