Terms of Service

Last updated 4 September 2026  ·  First State Growth LLC, a Delaware limited liability company

These terms govern services provided by First State Growth LLC ("we", "us"), a limited liability company registered in Delaware, United States, with its registered office at 8 The Green, Suite 24112, Dover, DE 19901. By purchasing a consultation you agree to these terms.

1. What we provide

We provide contact qualification services. For each engagement you supply contact records from your own database. Acting as your service provider, we contact those records by telephone and text message to establish which of them have current buying intent, and we return the qualified records to you with the outcome recorded against each one.

Segments we currently cover include residential and commercial property, health insurance, auto insurance, and staffing. We do not buy, sell, rent or supply contact data — all records are provided by you. We also undertake related work — website development, CRM and reporting setup, and custom integrations — quoted separately.

2. What we do not provide

3. Pricing and payment

• The standard consultation fee is US$399 per segment, and covers a nominated segment of up to 1,000 raw contact records. Segments containing more than 1,000 records are quoted on the same per-1,000 basis. Larger or multi-segment engagements are quoted individually. Every quote is confirmed in writing before any payment is taken.
• All prices are in US dollars and exclude any taxes that may apply in your jurisdiction.
• Payment is due in full before research begins. We accept major credit and debit cards.
• We do not operate subscriptions and do not store card details for future charges. Every charge is a separate transaction you authorise.
• Card charges appear on your statement as FIRST STATE GROWTH.
• Invoices issued but unpaid may be cancelled by us after 30 days without notice.

4. Scope, agreed in writing before payment

Before any payment we confirm in writing the segment, the geographic area, the approximate prospect volume, and the delivery format. That written confirmation is the scope. Work outside it is a new engagement, separately quoted and separately agreed.

5. Delivery

Research normally begins within one business day of payment clearing, and is normally delivered within 5 to 10 business days depending on segment and volume. If we expect to exceed that, we tell you in advance. Delivery is by email or another electronic method agreed with you.

6. Refunds

Every consultation carries a 7-day review window with a free redo or a full refund at your election. Our complete Refund & Cancellation Policy forms part of these terms.

7. Client data, consent and your warranties

Every engagement runs on contact records that you supply from your own database. For the purposes of the California Consumer Privacy Act as amended by the CPRA you are the Business and we are engaged as a Service Provider; for the purposes of the UK and EU GDPR you are the Controller and we are the Processor. We process your Personal Information only on your documented instructions and only for the contracted business purpose. Because the records and the underlying consumer relationships are yours, the following warranties are a condition of every engagement.

Opt-outs and suppression

We honour opt-out requests immediately on every channel. A contact who asks not to be called, replies STOP to a message, or otherwise requests removal is suppressed at once, and we report that suppression back to you so you can update your own records. You agree not to re-supply a suppressed record.

How we use your data

Your contact records are used solely for your engagement. We do not buy, sell, rent or licence contact data; we do not use one client's records for another client; and we do not retain your records after an engagement other than as required for the suppression list and our legal record-keeping.

Indemnity for supplied data

You agree to indemnify, defend and hold us harmless against any claim, penalty, loss or reasonable legal cost arising from the records you supply or the consent position attaching to them — including claims under the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, Do Not Call rules, and state and provincial equivalents such as the Florida Telephone Solicitation Act, the Oklahoma Telephone Solicitation Act and the Washington Commercial Electronic Mail Act.

Our processing commitments

As Service Provider and Processor we will: process Personal Information solely to perform the contracted business purpose and on your documented instructions; not sell or share Personal Information as those terms are defined by the CCPA/CPRA; not retain, use or disclose it outside the direct business relationship; not combine it with Personal Information from any other source; impose equivalent obligations on any sub-processor and remain responsible for their performance; assist you with consumer rights requests; and delete or return Personal Information on termination, save for suppression and legal record-keeping. These commitments are set out in full in our Data Processing Addendum, available on request.

Consent sequence

Contacts in a client-supplied file are reached by telephone first, dialled manually by an agent. Express consent to send text messages is obtained on that call using a fixed script, and logged against the record with a timestamp, agent identifier and script version. No contact is sent a text message before that call and that consent. You agree not to instruct us to message a contact who has not given consent in this way, or through a documented opt-in of your own that you can evidence.

Campaign controls

Outreach is confined to the calling windows permitted by the FTC Telemarketing Sales Rule and applicable state law, and caller identification is transmitted accurately. Calls are recorded so that consent given on a call can be evidenced. Opt-out requests are actioned immediately on every channel, added permanently to our suppression list, applied across all future campaigns for every client, and reported back to you with the returned records.

Where you provide your Subscription Account Number (SAN) for the National Do Not Call Registry, we will carry out registry screening under that SAN on your behalf, in accordance with the FTC Telemarketing Sales Rule. Absent your SAN, registry screening remains your responsibility under the warranties above.

Our right to decline

We may refuse to begin, or may stop, any campaign where we reasonably believe the consent position is unclear, where requested evidence of consent is not produced, or where continuing would be unlawful. Where we stop for that reason, we refund fees paid for work not yet performed.

8. Intellectual property

The contact records you supply remain yours at all times. The qualification results we produce are licensed to you for your own internal business use on delivery and payment. We retain ownership of our methods, scripts, templates, tooling and know-how. You may not resell, sublicense or publish the deliverables.

9. Confidentiality

Each party will keep the other's non-public business information confidential and use it only for the engagement. This obligation survives the end of the engagement.

10. Limitation of liability

To the maximum extent permitted by law, our total aggregate liability arising out of or relating to any engagement is limited to the amount you actually paid us for that engagement.

We are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, lost business, or lost data, even if advised of the possibility.

Nothing here excludes liability that cannot be excluded by law, including liability for fraud.

11. Indemnity

In addition to the indemnity in section 7, you agree to indemnify us against claims, losses and reasonable legal costs arising from your use of the qualification results or your breach of these terms.

12. Suspension and termination

We may decline or discontinue an engagement if we believe the work would be used unlawfully, if information you gave us is materially inaccurate, or if payment is not received. Where we discontinue for a reason that is not your fault, we refund fees paid for work not yet delivered.

13. Governing law and disputes

These terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law rules. The state and federal courts of Delaware have exclusive jurisdiction.

Before commencing proceedings, both parties agree to attempt good-faith resolution by contacting the other and allowing 30 days to respond. Most disputes are resolved by a single email.

14. Changes

We may amend these terms. The version applying to your engagement is the one published when you paid. Continued use of our services after an update constitutes acceptance of the updated terms.

15. General

If any provision is held unenforceable, the remainder continues in force. Our failure to enforce a provision is not a waiver of it. These terms, together with the Refund Policy and Privacy Policy, are the entire agreement between us.