Data Credits 101

Learn about SALT's Data Credit system as it applies to data retrieval & submissions.

Updated this week

In 2024, SALT adjusted our data billing process by introducing the new pre-purchase Data Credit system whereby SALT Agencies can apply their SALT Data Credits at their discretion to acquire the desired data and maximize efficiency.

How the 'Data Credit System' Works

Data credits are consumed when one of the following takes place. ⤵️

  1. A data report is retrieved from one of our Big Data Vendors:
    - Estated (home/property data)
    - Fenris (driver/auto data)

  2. Any submission is processed past the 300/yr allotment included with a Propel subscription. (i.e. You won't be charged a data credit for processing submissions until after your annual allotment of 300 has been used.)

SALT offers an array of Data integration tools that operate from a "Data-as-a-Service" approach. As stated above, our integration tools responsible for returning integration data reports are Estated (home/property data), and Fenris (driver/auto data).

The Estated & Fenris integrations can be configured on a "per form" basis. (i.e. You can have them active on one form, and inactive on another.)

Note: Receiving data from our Big Data Vendors is completely optional, and your agency can choose whether or not to utilize them.

When the Estated/Fenris integrations are active on your account and within a form, the SALT app will redeem the required data credits for that DaaS vendor's payload, according to the table below.

Vendor Credit Cost:

DaaS Vendor

Data Credits

Estated

0.8

Fenris

1.6

SALT Submission (*after 300 soft-cap)

1


"Big Data" Integration Reports -

The purchase of a Data Credit package will allow you to utilize our optional Estated and Fenris integrations to retrieve "Big Data" integration reports (see more info below). Your credit balance will be split up between them.

When active, these integration partners retrieve and return integration data reports (pictured below) that we then attach to a submission. (Tap here to learn more about our Big Data Vendors.)

Again, these integrations are completely optional and their use is not mandated or required. You're welcome to deactivate these integrations here if you'd like to.

Submission Allotment of 300/yr -

In addition to the Big Data Vendor reports, Data Credits will also be redeemed once your annual soft cap of 300 submissions, included in your Propel subscription, has been reached.

1 Data Credit will be redeemed for each submission processed after the allotted 300 (applicable to both consumer-submitted & agency-generated submissions).

[Note: The soft cap will be reset on the effective start date of your SALT subscription.]


Purchase & Usage Info


Purchasing Data Credits -

Admins/Owners can purchase Data Credits, view their agency’s Data Credit usage, and set up auto-reload by navigating to the billing section.

SALT Data Credits will need to be pre-purchased. Data Credits are priced at $1/ea with discounts available when purchased in bulk. See this article for full pricing info & discount details.

The Purchase Data Credits window provides an approximation of what we project you will use the following month based on previous usage. Selecting “Show Data Credit Cost by Vendor” will allow you to see a breakdown of exactly what your previous Data Credits were spent on.

Automatic Reload -

We’ve provided the option for agencies to set up auto-reload so they don’t have to worry about running out of Data Credits and interrupting service flow.

View Agency Data Credit Usage -

You can filter Data Credit usage by period, date, or source using the filter located on the left-hand side of the screen. You’ll see credits spent across all sources, as well as the amount spent for each specific data vendor and SALT submission.


FAQs

When will my credits be used?

SALT data credits are redeemed in 1 of 3 instances:

  1. Estated report returned (property info)

  2. Fenris report returned (auto/driver info)

  3. More than 300 submissions processed (1 credit per submission past 300)

What if I run out of data credits?

To help prevent agencies from running out of credits and experiencing interrupted service, agencies can opt-in to auto-reload data credits. This feature allows agencies to:

  • Select the low-balance target that triggers a reload

  • Select the number of credits they would like to purchase during an auto-reload

How often does an agency need to purchase data credits?

An agency can purchase data credits at its discretion. While SALT will notify you when your data credit balance is low, we won’t automatically refill your data credits. We provide an auto-reload feature that agencies can opt-in to, helping prevent you from running out of credits.

Why do some Vendors require more data credits than others?

Data credit usage is determined by the price set by the data vendor (See table in this article) combined with SALT's internal expense for developing and sustaining the API integrations.

These integrations are responsible for retrieving, utilizing, and exporting said data through custom connections with SALT's supported comparative raters and services like Zapier.

What is a "qualified" submission?

A qualified submission represents a submission with valid contact info in SALT. The following are the requirements for a submission to be qualified:

  • A consumer submission with contact info (email or phone number)

  • Any Agency Generated Submission

What if I have no data credits when I'm about to pass the 300 "soft-cap?"

If your agency has no available data credits and is approaching the 300 “soft-cap”, the SALT app will notify you that your form will be disabled once your balance hits zero (0). You can prevent this by purchasing a block of data credits.

What does "soft cap" mean?

The Propel plan includes 300 qualified submissions within a fiscal year. (A "qualified submission" refers to a consumer submission with valid contact information or an agency-generated submission.)

The "soft cap" allows agencies to exceed the annual limit of 300 submissions; however, each submission beyond the allocated 300 will redeem 1 data credit.

Do data credits ever expire?

No, credits don’t expire.

What if my agency processes more than the allotted 300 submissions?

Agencies may exceed Propel’s included 300 submissions per year. Submissions processed after 300 will begin redeeming 1 data credit per submission.

If your annual submission count exceeds 500, please contact the sales team to discuss custom pricing.

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