Contact & Credit Policy

1. What a credit is

A contact credit is the unit used to unlock a customer request. Unlocking a request reveals the customer's full details and opens a direct messaging channel with that customer. Each unlock costs exactly one credit, regardless of plan.

2. What you see before unlocking

Before unlocking, professionals see the customer's first name, service category, description, budget range, timeline, location or remote preference, accounting software, and business type. Contact details remain hidden until the unlock.

3. The five-professional limit

A maximum of five professionals can unlock any single request. Once a request reaches five unlocks, it is closed to further unlocks. This limit keeps competition reasonable for professionals and prevents customers from being overwhelmed.

4. Credit rules

• Credits are granted monthly according to your subscription plan and do not roll over to the next billing cycle.
• Credits have no cash value and cannot be transferred, sold, or redeemed for money.
• A credit is consumed at the moment of unlock, even if the customer never responds, declines your proposal, or hires someone else.
• Credits cannot be used on requests you have already unlocked — re-opening an unlocked conversation is free.

5. No guarantee of engagement

Unlocking a request purchases access to the customer's contact channel — nothing more. FinPro Directory does not guarantee that a customer will respond, engage you, or pay you, and is not responsible for the outcome of any conversation or engagement that follows an unlock.

6. Abuse

Attempting to circumvent the credit system — for example by creating multiple accounts, harvesting customer details without unlocking, or sharing unlocked contact information with third parties — is a violation of the Terms of Service and may result in immediate account termination without refund.

7. Manual adjustments

In rare cases (for example, a verified technical error during an unlock), our team may adjust credits manually at its sole discretion. All adjustments are recorded in your account's credit ledger.