Terms of Service

Last updated 2 August 2026

1. Agreement to these terms

These Terms of Service ("Terms") are a binding agreement between you and [LEGAL ENTITY NAME], a [STATE] [ENTITY TYPE] ("LeadClx", "we", "us"), covering your use of the LeadClx website, application and related services (the "Services").

By creating an account, joining the beta, or using the Services, you accept these Terms. If you are accepting on behalf of a firm, you confirm you are authorised to bind that firm, and "you" means that firm.

Where you have signed a separate written agreement with us, that agreement controls to the extent it conflicts with these Terms.

2. Who may use LeadClx

The Services are business software for licensed mortgage professionals. To use them you must be at least 18, hold the licences and registrations your activity requires, and use the Services only in the course of that licensed business.

The Services are not offered to consumers and are not a consumer-facing product. Borrowers do not contract with us.

3. Private beta

LeadClx is currently in private beta and access is granted by invitation. During the beta:

• Features may change, be added or be withdrawn without notice.
• We offer no uptime commitment or service level agreement unless one is separately agreed in writing.
• You should expect defects, and you should verify output before relying on it in a live loan file.
• We may contact you for feedback. Feedback you give us may be used freely and without obligation, and you grant us a perpetual, royalty-free licence to do so.

4. Accounts, security keys and access

• Accounts are issued to named individuals. Do not share credentials or let another person use your account.
• Access requires a hardware security key together with a PIN you choose. You are responsible for keeping both secure.
• Tell us immediately if a key is lost or stolen or you suspect unauthorised access. We will revoke and reissue.
• You are responsible for activity under your account, except to the extent it results from our failure.
• Security keys we issue remain our property and must be returned or destroyed when your access ends.

5. Fees and billing

• The Services are $750 per month per user. All features are included. There are no per-file fees and no usage caps.
• Fees are billed in advance per user seat and are non-refundable except where the law requires otherwise.
• Adding seats mid-term is charged pro rata. Reducing seats takes effect at the next renewal.
• Fees exclude taxes, which you are responsible for except for taxes on our income.
• We may change pricing on [NOTICE PERIOD, e.g. 30 days] notice, effective at your next renewal.
• Overdue amounts may accrue interest and we may suspend access after reasonable notice.

6. Connected systems and your credentials

LeadClx works by acting inside systems you already use, such as loan origination systems, lender portals, pricing engines, credit vendors, telephony providers and CRMs. To do that, you authorise us to access those systems using credentials or authorisations you supply.

• You confirm you are entitled to grant that access and that doing so does not breach your agreements with those vendors.
• Those platforms are controlled by third parties. We are not responsible for their availability, accuracy, or changes they make that affect how LeadClx works with them.
• You may revoke access at any time, and some features will stop working when you do.

7. Your compliance responsibilities

LeadClx is a tool. It does not make you compliant, and using it does not transfer your regulatory obligations to us. You are responsible for:

• Obtaining borrower consent and establishing permissible purpose before any consumer report is pulled, as the Fair Credit Reporting Act requires. Recording a consent event in LeadClx is a record of what you did; it is not the consent itself.
• Your obligations under the Gramm-Leach-Bliley Act, including safeguarding customer information and providing privacy notices.
• Compliance with TCPA and related rules when the Services send messages or place calls on your behalf, including consent to contact, opt-out handling and time-of-day restrictions.
• The accuracy and lawfulness of anything you send a borrower, including comparisons and illustrations generated by the Services.
• Fair lending, UDAAP, advertising rules, state licensing, and record retention.

8. Your data and the licence you grant us

As between you and us, you own your data, including borrower and loan information you put into the Services. We claim no ownership of it.

You grant us a limited, non-exclusive licence to host, process, transmit and display that data solely to provide, secure and support the Services, and to comply with law. That licence ends when the data is deleted.

• We do not sell your data.
• We do not use borrower data to train machine learning models.
• We may use aggregate, de-identified operational statistics to improve the Services, in a form that cannot identify you, your firm or any borrower.
• On termination you may export your data, and we will delete it on request except where law requires retention. See the Privacy Policy.

9. Acceptable use

You must not:

• Use the Services without the licences your activity requires, or to pull consumer reports without permissible purpose.
• Upload data you have no right to provide.
• Attempt to access another firm's data, or probe, scan or test the security of the Services without our written permission.
• Reverse engineer, decompile or copy the Services, or use them to build a competing product.
• Resell, sublicense or provide the Services to a third party unless we agree in writing.
• Interfere with the operation of the Services or impose unreasonable load.
• Use the Services to send unlawful, harassing or deceptive communications.

10. Automated processing and AI features

The Services include automation and AI features that draft messages, respond to borrowers, run scenarios and make changes to loan files at your direction.

• Output can be wrong, incomplete or unsuitable. You must review it before relying on it.
• Actions that write to a file or send a communication happen because you configured or requested them. You remain responsible for the result.
• AI output is not legal, financial, tax or compliance advice.
• We may change the underlying models and providers as the Services develop.

11. Intellectual property

We own the Services, including the software, interfaces, documentation and the LeadClx name and marks. These Terms grant you a limited, non-exclusive, non-transferable right to use the Services during your subscription, and nothing more. All rights not expressly granted are reserved.

Third-party names shown in the Services or on our website are the property of their owners and their use does not imply endorsement or partnership unless we say so explicitly.

12. Confidentiality

Each party may receive non-public information from the other. The receiving party will protect it with at least reasonable care, use it only for the purposes of these Terms, and not disclose it except to personnel and advisers bound by comparable obligations, or as law requires. This does not apply to information that is public, already known, independently developed, or lawfully received from a third party.

13. Disclaimers

Except as expressly stated, the Services are provided "as is" and "as available", without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.

We do not warrant that the Services will be uninterrupted, error free, or that output will be accurate or complete. We are not a lender, broker, credit repair organisation or consumer reporting agency, and we do not provide legal, financial, tax or compliance advice.

14. Limitation of liability

To the fullest extent the law allows, neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, goodwill or data, even if advised such damages were possible.

Each party's total aggregate liability arising out of or relating to these Terms will not exceed the fees you paid us in the twelve months preceding the event giving rise to the claim.

These limits do not apply to your payment obligations, to either party's indemnification obligations, or to liability that cannot be limited by law.

15. Indemnification

You will defend and indemnify us against third-party claims arising from your use of the Services in breach of these Terms, your violation of law including FCRA, GLBA or TCPA, your data or your right to provide it, or a borrower dispute about a loan file you handled.

We will defend and indemnify you against third-party claims that the Services, used as permitted, infringe that party's intellectual property rights.

The indemnified party must give prompt notice, allow the other to control the defence, and provide reasonable cooperation.

16. Term, suspension and termination

• These Terms apply while you hold an account or use the Services.
• Subscriptions renew monthly unless cancelled before the renewal date.
• You may terminate at any time; termination takes effect at the end of the paid period.
• We may suspend access immediately where there is a security risk, unlawful use, or non-payment after notice, and will restore it once resolved.
• We may terminate for material breach not cured within [CURE PERIOD, e.g. 30 days] of notice.
• On termination your right to use the Services ends. You may export your data for [EXPORT WINDOW, e.g. 30 days], after which we may delete it.
• Sections on data ownership, IP, confidentiality, disclaimers, liability, indemnification and governing law survive.

17. Changes to these terms

We may update these Terms. We will revise the date above and, for material changes, notify account holders by email or in the application before they take effect. Continuing to use the Services after that means you accept the change. If you do not accept it, stop using the Services and cancel.

18. Governing law and disputes

These Terms are governed by the laws of the State of [GOVERNING LAW STATE], without regard to its conflict of laws rules. The parties submit to the exclusive jurisdiction of the state and federal courts located in [COUNTY, STATE].

Before filing, the parties will attempt to resolve the dispute in good faith for 30 days after written notice.

19. General

• These Terms and the Privacy Policy are the entire agreement between the parties on this subject.
• If a provision is unenforceable, the rest remains in effect.
• Failure to enforce a provision is not a waiver of it.
• You may not assign these Terms without our written consent. We may assign them in a merger or sale of assets.
• Neither party is liable for delays caused by events beyond its reasonable control.
• Nothing here creates a partnership, joint venture, agency or employment relationship.

20. Contact

Questions about these Terms: [email protected].

[LEGAL ENTITY NAME], [REGISTERED ADDRESS].