Terms of sale

Who we are

CivicDelta, Forvägen 19, Norsborg, Stockholm, Sweden. Email: support@civicdelta.com.

Who does what

Payment is taken through Stripe Managed Payments, and Link (Stripe’s payment service) is the merchant of record. Your receipt and your card or bank statement show the purchase as sold through Link.

• Link and Stripe handle: the sale and payment, under the payment terms shown at the foot of the checkout page; calculating, collecting and paying sales tax, VAT or GST; receipts and invoices; payment support; payment disputes; and refunds of the payment.
• CivicDelta handles: what is in the report, producing and delivering it, correcting it, answering questions about it, the permission to use it set out below, and asking Link to refund you when this page or the refund policy says you are owed one.

What you buy

A report is a PDF compiled from official US public records for the one property, facility, clinician or license you name at checkout, as those records stood on the capture dates printed inside it. Each report lists the sources it uses and what it doesn’t cover. Each product page shows a sample report before you buy.

What a report is not

• Not legal, tax, medical, financial or engineering advice, and not a recommendation to buy, appeal, hire or choose anyone. For a decision that needs that advice, ask a qualified professional.
• Not a consumer report under the US Fair Credit Reporting Act, and CivicDelta is not a consumer reporting agency. Don’t use a report, in whole or in part, to decide on anyone’s eligibility for credit, insurance, employment or housing, or for any other purpose that Act covers.
• Not a rating or ranking of any person, business or facility. We compile records; we don’t judge.
• Not a guarantee of any outcome, such as a lower assessment or a successful appeal.

Records can be wrong or out of date

Public records contain errors and change after we capture them. We show values as the publisher released them and say so where a value is missing. If you find a difference between a report and the publisher’s own record, email support@civicdelta.com or reply to the email your report came with. We check it against the source and, if we got it wrong, correct it (see Corrections).

Delivery

After payment we check that what you entered matches a record we cover, generate the report, check its figures against the records again, and email it as a PDF from reports@civicdelta.com to the address you gave at checkout.

• Most reports: emailed within 2 business days.
• Surgeon Medicare Volume, License & Industry Payments Record: emailed within 2 business days, including a check by a person of the surgeon’s state license and board certification on the boards’ own websites.
• Condo Assessment Risk, sold by quote after an enquiry: emailed within 3 business days after we receive your association documents.

If what you entered doesn’t match a record we cover, we email you to ask for a correction before producing anything. If your report hasn’t arrived in the time above, check your spam folder, then email support@civicdelta.com with the address you used at checkout and we will resend it. If we can’t deliver it, you get a full refund (see Refunds).

Right of withdrawal

If you are a consumer in the EU, you normally have 14 days from your purchase to withdraw from it without giving a reason. A report is digital content that is not supplied on a physical medium. Under EU consumer law, as applied in Sweden by the Distance and Off-Premises Contracts Act (2005:59), that right ends once supply of the report has begun, but only if you expressly agreed to supply starting within the 14 days, acknowledged that you would lose the right, and received confirmation of this in writing, for example by email. If those conditions were not met and you withdraw in time, you don’t have to pay for the report.

To withdraw, email support@civicdelta.com with the email address you used at checkout and the report you bought, or contact Link support. Any refund is made through Link to your original payment method.

Refunds and complaints

When a report is refunded, how to ask, and where to take a complaint we don’t resolve are set out in the refund policy, which is part of these terms. We never ask for card details to make a refund; if anyone claiming to be us does, it is not us.

Use of the report

When you have paid, you may use the report for your own decision, keep it, print it, and share it with your family and your advisers, such as a lawyer, an accountant or an inspector. You may quote from it with credit to CivicDelta. You may not resell it, republish it in full, or use it to build a data product or a database. The public records inside it remain public; this limit applies to the report as we compiled it.

Liability

We compile every report with care, but we don’t promise that public records are complete or free of error. If a report is faulty, you have the rights the law gives you, including having it corrected or your money back. Beyond that, and to the extent the law allows, our total liability for a report is limited to the price you paid for it, and we are not liable for a decision you make using it. Nothing in these terms limits a liability that cannot legally be limited, or takes away any right you have as a consumer under mandatory law.

Governing law and disputes

These terms are governed by Swedish law, and disputes are heard by the Swedish courts. If you are a consumer, this does not take away the protection given to you by the mandatory rules of the country where you normally live, and you may also bring a claim in the courts of that country where the law allows you to. A consumer can also take a dispute to the Swedish National Board for Consumer Disputes (ARN); see the refund policy.

Changes to these terms

We may update these terms. The date at the top of this page shows when they last changed. The terms that apply to a purchase are the ones published on the day you paid.

Contact

Questions about an order or these terms: support@civicdelta.com. Questions about a charge or a payment: Link support. How we handle personal data is on the privacy page.