Terms of Service

Effective Date: September 8, 2026

These Terms of Service (the “Terms”) regulate your access to and utilization of the website situated at the-toast.net (the “Site”), alongside the services, features, content, and technological tools provided on or through the platform (collectively, the “Services”). By accessing or utilizing our Site, you consent to be legally bound by these Terms and our accompanying Privacy Policy. Should you dissent from these Terms, you must immediately cease all use of the Services.

1. Description of Services

Our Site grants users access to people-search functionalities and aggregates publicly accessible information and official records. The data provided may encompass, but is not strictly limited to, full names, historical addresses, telephone numbers, criminal histories, real estate ownership records, and comparable data classifications.

The Services are strictly furnished for personal, lawful purposes. They are expressly not designed or intended for commercial exploitation, marketing endeavors, or investigative operations governed by the Fair Credit Reporting Act (FCRA), nor any alternative regulatory framework imposing distinct compliance obligations regarding the utilization of public data.

2. Eligibility

You must be at least 18 years of age to access or engage with the Services. By utilizing the Site, you expressly represent and warrant that:

  • You have reached the legal age of majority (you are not a minor);
  • You shall strictly adhere to these Terms as well as all applicable local, state, and federal laws.

3. Important Notice: Not a Consumer Reporting Agency

The-toast.net does not qualify as a consumer reporting agency as defined under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Consequently, any information procured through our Services must never be utilized to assess an individual's eligibility for:

  • Credit issuance, loans, or insurance underwriting;
  • Employment evaluations or hiring determinations;
  • Housing applications or residential tenant screening;
  • Educational program admissions or scholarship awards;
  • Any alternative purpose that necessitates strict compliance with the FCRA.

By accessing this Site, you unconditionally agree to refrain from applying any data obtained from our platform for any purpose regulated by the FCRA.

4. Permitted and Prohibited Uses

You are authorized to utilize the Site exclusively for personal, lawful, and non-commercial objectives. You expressly agree that you will not use the Services:

  • To execute any unlawful, abusive, harassing, fraudulent, or inherently malicious activities;
  • To stalk, intimidate, threaten, defame, or otherwise infringe upon the established legal rights of third parties;
  • To harvest or archive personal information concerning other individuals for commercial exploitation or marketing campaigns;
  • To extract data regarding individuals for credit assessments, employment decisions, insurance provisioning, tenant vetting, or any other objective governed by the Fair Credit Reporting Act (FCRA);
  • To falsify your identity or impersonate any other individual or entity;
  • To execute data mining, scraping, or deploy automated mechanisms to access the Services without our explicit, prior written authorization;
  • To breach or attempt to circumvent the security protocols and infrastructure of the Site;
  • In any manner that might damage, disable, overburden, or otherwise disrupt the optimal operational functionality of the Services.

We maintain the unilateral right to block, suspend, or permanently terminate the access of any user found to be in violation of these Terms.

5. Public Records Disclaimer

The data presented via the Services originates from external third-party entities, comprising publicly accessible repositories and commercially licensed databases. We offer no warranties regarding the accuracy, completeness, timeliness, or legal validity of any information furnished through the Site. Inaccuracies or obsolete records may be present, and you bear sole responsibility for independently verifying any data prior to placing reliance upon it.

We neither author, authenticate, nor alter public record information. Any grievances or inquiries pertaining to the substantive content of particular public records must be addressed directly to the originating data source.

6. Intellectual Property Rights

All materials present on the Site — encompassing text, graphics, user interfaces, software code, data compilations, and the overarching design and aesthetics of the Services — remain the exclusive property of the-toast.net or its designated licensors, and are comprehensively safeguarded by intellectual property statutes.

You are strictly prohibited from copying, reproducing, distributing, publicly displaying, selling, leasing, or modifying any component of the Site without securing our prior, explicit written consent.

Your usage of the Services is restricted entirely to personal endeavors, and any automated, programmatic, or systematic extraction of data from the Site is strictly forbidden.

7. Third-Party Content and Links

The Site may feature or provide hyperlinks connecting to third-party domains, independent data providers, or promotional advertisers. We neither exercise control over nor endorse these external platforms, and we assume no liability for their substantive content, factual accuracy, privacy frameworks, or operational practices. Such links are provisioned strictly as a convenience to you.

8. No Warranties

THE SITE AND ITS ACCOMPANYING SERVICES ARE DELIVERED ON A STRICTLY “AS IS” AND “AS AVAILABLE” BASIS, DEVOID OF ANY WARRANTIES OF ANY NATURE, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE JURISPRUDENCE, WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHICH INCLUDE BUT ARE NOT LIMITED TO:

  • IMPLIED WARRANTIES PERTAINING TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS;
  • WARRANTIES CONCERNING THE ACCURACY, COMPREHENSIVENESS, OR TIMELINESS OF THE DATA PROVIDED;
  • WARRANTIES ASSERTING THAT THE SITE WILL OPERATE UNINTERRUPTED, REMAIN ENTIRELY ERROR-FREE, OR BE DEVOID OF VIRUSES OR HARMFUL COMPONENTS.

Public repositories and third-party data feeds may prove to be obsolete, incomplete, or factually erroneous. We render no guarantees concerning the accuracy, overall reliability, or promptness of the generated search results.

9. Limitation of Liability

TO THE MAXIMUM EXTENT SANCTIONED BY APPLICABLE LAW, THE-TOAST.NET, ALONGSIDE ITS AFFILIATES, CORPORATE OFFICERS, EMPLOYEES, AND AUTHORIZED AGENTS, SHALL BE HELD HARMLESS AND ABSOLVED FROM LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES. THIS INCLUDES, WITHOUT LIMITATION, DAMAGES RESULTING FROM DATA LOSS, LOST PROFITS, OR THE PROCUREMENT COSTS OF SUBSTITUTE SERVICES ARISING FROM OR CONNECTED TO YOUR UTILIZATION OF — OR INABILITY TO UTILIZE — THE SITE OR SERVICES, EVEN IN INSTANCES WHERE WE HAVE BEEN APPRISED OF THE POTENTIAL FOR SUCH DAMAGES.

OUR CUMULATIVE LIABILITY FOR ANY AND ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICES SHALL UNDER NO CIRCUMSTANCES EXCEED THE SUM OF ONE HUNDRED DOLLARS ($100).

10. Indemnification

You agree to fully indemnify, defend, and hold harmless the-toast.net, along with our affiliates, corporate officers, employees, authorized agents, and licensors, from and against any and all claims, liabilities, damages, judgments, operational costs, and expenses (inclusive of reasonable attorneys' fees) arising from or connected to:

  • Your utilization or misappropriation of the Services;
  • Your breach of any provision within these Terms;
  • Your infringement upon the rights of any third party, explicitly including intellectual property and privacy rights.

11. Governing Law

These Terms shall be exclusively governed by and interpreted in alignment with the laws of the State of Delaware, disregarding any conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods is strictly excluded and does not apply.

12. Dispute Resolution – Arbitration and Class Action Waiver

PLEASE REVIEW THIS SECTION CAREFULLY, AS IT SIGNIFICANTLY IMPACTS YOUR LEGAL RIGHTS.

You and the-toast.net agree that any dispute, claim, or legal controversy emerging from or related in any capacity to your utilization of the Services or these Terms shall be adjudicated exclusively via binding arbitration, administered under the prevailing rules of the American Arbitration Association (AAA). Said arbitration shall convene in your county of residence or at an alternative, mutually stipulated location.

You expressly acknowledge and agree that:

  • You are willfully relinquishing your right to a trial by jury;
  • You are waiving your right to engage in any class action litigation, class-wide arbitration, or representative proceeding;
  • Every dispute must be arbitrated strictly on an individual basis;
  • The presiding arbitrator shall possess the authority to award damages solely to the extent permitted by this agreement and governing law.

This binding arbitration provision shall endure beyond the termination of these Terms or the cessation of your use of the Services. Should any segment of this section be deemed unenforceable, all remaining provisions will maintain their full legal validity and enforceability.

13. Severability

In the event that any provision contained within these Terms is determined to be invalid or legally unenforceable, that specific provision shall be severed, while all remaining Terms will endure in full force and effect.

14. Entire Agreement

These Terms, in conjunction with our Privacy Policy, represent the complete and exclusive agreement between you and the-toast.net concerning the Site, effectively superseding all prior or contemporaneous communications, agreements, or proposals.

15. Modifications to the Terms

We retain the unilateral right to amend these Terms at our discretion. Any updated versions will be published on this page, accompanied by a revised “Effective Date” or "Last Updated" timestamp. Your continued engagement with the Services following the publication of any modifications signifies your binding acceptance of the revised Terms.

16. Termination

We reserve the right to immediately suspend or terminate your access to the Site, with or without prior notification, for any conduct that we reasonably conclude violates these Terms, poses a threat to our organization, other users, or third parties, or is otherwise deemed unlawful.