Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you (the "Customer," "you," or "your") and Amortize Me LLC, doing business as Amortize AI ("we," "us," or "our"), governing your access to and use of the Amortize AI mortgage technology platform (the "Service").

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Service.

You accept these Terms by checking the acceptance box when you create an account, or when the Service asks you to accept an updated version. We keep a record of each acceptance, including the version accepted and the date and time. You may not use the Service until you have accepted the current version.

If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and references to "you" include both you as an individual and the organization.

Amortize AI is a business-to-business (B2B) software-as-a-service (SaaS) platform designed for mortgage professionals, including:

• Loan pricing and scenario analysis
• Lead management and CRM integration
• Document processing and data extraction
• Borrower management and communication, including text messaging, calling, and email
• Email and calendar integrations with accounts you connect (Google and Microsoft)
• AI-assisted features, including an AI voice assistant, reply insights, summaries, and translation
• Property information and market data integration
• Pricing templates and configuration tools
• Reporting and workflow insights
• Team management tools, public API access, and a mobile app

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice, though we will make reasonable efforts to notify you of material changes.

3.1 Account Creation

To use the Service, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.2 Account Security

• You must use a strong password and enable multi-factor authentication when available
• You must immediately notify us of any unauthorized access or security breach
• We are not liable for any loss or damage arising from your failure to maintain account security

3.3 Eligibility

You must be at least 18 years old and legally authorized to enter into binding contracts to use the Service. You represent that all information you provide is accurate and that you will maintain its accuracy.

3.4 User Seats and Access

Your subscription includes a specified number of user seats. You may add or remove users as needed, subject to your subscription plan limits. Each user must have their own account and credentials.

3.5 Team Administration and Account Access

If you join a team or organization, its team leads and administrators may view your activity and, where the Service permits, sign in to your account on your behalf to help you or manage the team. Authorized Amortize AI personnel may also sign in to your account on your behalf to provide support, investigate problems, or protect the Service. These sessions are logged. Actions taken during such a session are treated as actions taken on your account.

3.6 API Keys and Connected Tools

You may create API keys to access the Service programmatically, including through our Model Context Protocol (MCP) server. You must keep API keys confidential and are responsible for all activity performed with them, including by any AI assistant or other tool you connect. We may rate-limit, suspend, or revoke API keys to protect the Service or enforce these Terms. Data you send to a third-party tool is subject to that tool's own terms.

3.7 Mobile App

If you use our mobile app, these Terms apply to it, and we grant you a limited, non-exclusive, non-transferable, revocable license to install and use it on devices you control to access the Service. Your use of the app is also subject to the terms of the app store you downloaded it from. The app store provider is not a party to these Terms and has no responsibility for the app or its support.

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws or regulations
• Violate the Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), or other lending regulations
• Upload, transmit, or distribute any viruses, malware, or harmful code
• Attempt to gain unauthorized access to the Service or related systems
• Reverse engineer, decompile, or disassemble any portion of the Service
• Use automated systems (bots, scrapers) to access the Service without authorization
• Interfere with or disrupt the Service or servers/networks connected to the Service
• Use the Service to transmit spam, chain letters, or unsolicited communications, or send calls, texts, or emails in violation of the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, or carrier messaging rules
• Impersonate any person or entity or misrepresent your affiliation
• Share your account credentials with unauthorized individuals
• Use the Service in a manner that could damage our reputation or business
• Remove, obscure, or alter any proprietary notices on the Service

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account without refund.

5.1 Subscription Plans

The Service is provided on a subscription basis with various plan tiers. Pricing and features for each plan are available on our website and may be modified with reasonable notice.

5.2 Payment Terms

• Subscription fees are charged in advance on a monthly or annual basis, as selected
• All fees are non-refundable except as expressly stated in these Terms
• Payment is processed through Stripe, our third-party payment processor
• You authorize us to charge your payment method on file for recurring subscription fees

5.3 Price Changes

We may modify subscription pricing with at least 30 days' notice. Price changes will take effect at the start of your next billing cycle. Your continued use of the Service after a price change constitutes acceptance of the new pricing.

5.4 Seat Management

Adding user seats will result in prorated charges for the remainder of your billing period. Removing seats will take effect at the end of the current billing period, and no refunds will be provided for removed seats.

5.5 Late Payment

If payment fails, we may suspend access to the Service until payment is received. We reserve the right to charge late fees and interest on overdue amounts as permitted by law.

5.6 Taxes

Fees are exclusive of all taxes, duties, and assessments. You are responsible for all applicable taxes except those based on our net income.

5.7 Prepaid Communication Credits

• Text messages, calls, AI voice assistant minutes, and related usage are paid for with prepaid communication credits. Current usage rates are shown in the Service and may change with notice
• Credits are deducted as you use them. If you turn on automatic recharge, you authorize us to charge your payment method on file for the amount you select whenever your balance falls below the threshold you set
• Usage in progress (for example, a call underway) may take your balance below zero. While your balance is at or below zero, new outbound messages and calls are paused until you add credits, and any negative balance is deducted from your next purchase
• Credits have no cash value, are not transferable, and are non-refundable except where required by law or where we issue a credit to correct a billing error

6.1 Your Data

You retain all ownership rights to the data you submit to the Service ("Customer Data"), including borrower information, loan applications, and other content. You grant us a limited license to use, process, and store Customer Data solely to provide the Service.

6.2 Data Responsibilities

• You are solely responsible for the accuracy, legality, and appropriateness of Customer Data
• You must have all necessary rights and consents to submit Customer Data to the Service
• You must comply with all applicable data protection and privacy laws when using the Service
• We are not responsible for any loss or corruption of Customer Data; you should maintain backups

6.3 Connected Accounts

You may connect a third-party account, such as a Google (Gmail, Google Calendar) or Microsoft (Outlook) account, to the Service. By connecting an account, you authorize us to access, store, and use data from that account, and to send email and create calendar events on your behalf, only as described in our Privacy Policy and only to provide the Service to you. You must have the right to connect the account, and you are responsible for the messages and appointments you send through it. You may disconnect a connected account at any time in Settings. Our use of information received from Google APIs adheres to the Google API Services User Data Policy, including its Limited Use requirements.

6.4 Communications and Consent

You are solely responsible for obtaining and documenting any consent required by law before contacting borrowers or leads through the Service, and for honoring opt-out requests. Features that help you manage consent or quiet hours do not relieve you of this responsibility.

6.5 Text Messaging Registration

U.S. carriers require businesses that send text messages to register their brand and messaging campaigns. You authorize us to submit your business information to Telnyx, The Campaign Registry, and carriers for that purpose, and you represent that the information you provide is accurate and that you are authorized to provide it. Carrier registration and vetting fees may apply. Carriers make their own decisions about registration and may filter, limit, or block messages; we are not responsible for those decisions. We may pause or limit your messaging if needed to comply with carrier requirements or applicable law.

6.6 Call Recording

Call recording is off by default. If you turn it on, you are responsible for providing any notice and obtaining any consent required by federal and state law, including in states that require all parties to consent to a recording. You confirm that you will do so when you turn recording on, and we rely on that confirmation.

6.7 AI Voice Assistant

Calls placed by the AI voice assistant use an artificial voice. Under the TCPA and FCC rules, such calls generally require the called party's prior express consent, and prior express written consent for telemarketing calls. You are responsible for having that consent before the AI voice assistant contacts anyone, and for complying with any AI disclosure, calling-time, and do-not-call requirements that apply to you. The AI voice assistant identifies itself as an AI at the start of each call; you may not configure or instruct it to hide that it is an AI or to pretend to be a person.

6.8 AI-Assisted Features

Some features use artificial intelligence to classify, summarize, translate, or transcribe communications, or to speak with borrowers on your behalf. AI output may be inaccurate or incomplete. You are responsible for reviewing it before relying on it, and it is not legal, compliance, or lending advice.

6.9 Our Intellectual Property

The Service, including all software, designs, text, graphics, logos, and other content (excluding Customer Data), is owned by Amortize AI and protected by copyright, trademark, and other intellectual property laws. You receive a limited, non-exclusive, non-transferable license to access and use the Service in accordance with these Terms.

6.10 Feedback

If you provide suggestions, ideas, or feedback about the Service, we may use that feedback without any obligation to you.

We strive to maintain high availability of the Service but do not guarantee uninterrupted or error-free operation. The Service is provided "as is" without warranties of any kind.

Maintenance and Downtime:

• We may perform scheduled maintenance with advance notice when possible
• Emergency maintenance may be performed without notice
• We are not liable for any downtime, service interruptions, or data loss

For enterprise customers, separate Service Level Agreements (SLAs) with specific uptime guarantees and remedies may be available upon request.

8.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that:

• The Service will meet your specific requirements or expectations
• The Service will be uninterrupted, timely, secure, or error-free
• Results obtained from the Service will be accurate or reliable
• Any errors or defects will be corrected

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AMORTIZE AI, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of or inability to access or use the Service
• Any conduct or content of any third party on the Service
• Unauthorized access, use, or alteration of your transmissions or content
• Any other matter relating to the Service

OUR TOTAL LIABILITY FOR ANY CLAIMS UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you.

You agree to indemnify, defend, and hold harmless Amortize AI, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your Customer Data or any content you submit
• Your violation of any laws or regulations

We reserve the right to assume exclusive defense and control of any matter subject to indemnification, in which case you will cooperate with us in asserting any available defenses.

10.1 Termination by You

You may terminate your subscription at any time through your account settings or by contacting us. Termination will be effective at the end of your current billing period. No refunds will be provided for early termination.

10.2 Termination by Us

We may suspend or terminate your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms or Acceptable Use Policy
• Non-payment of fees
• Fraudulent, abusive, or illegal activity
• Risk to the security or operation of the Service
• Discontinuation of the Service

10.3 Effect of Termination

Upon termination:

• Your right to access and use the Service will immediately cease
• You remain liable for any outstanding fees or charges
• We may delete your Customer Data in accordance with our data retention policies
• You may request an export of your data within 30 days of termination
• Sections of these Terms that by their nature should survive will survive termination

11.1 Regulatory Compliance

As a mortgage technology platform, the Service is designed to assist with compliance but does not guarantee compliance with:

• Fair Credit Reporting Act (FCRA)
• Equal Credit Opportunity Act (ECOA)
• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Gramm-Leach-Bliley Act (GLBA)
• State lending and privacy laws

You are solely responsible for ensuring your use of the Service complies with all applicable federal, state, and local laws and regulations.

11.2 Professional Licensing

You are responsible for maintaining all necessary professional licenses, including NMLS registration, required for your mortgage lending activities. The Service does not replace or fulfill licensing requirements.

11.3 Export Control

The Service may not be used in violation of any U.S. export laws or regulations. You represent that you are not located in a country subject to U.S. embargo or on any U.S. government list of prohibited or restricted parties.

The Service integrates with and relies on third-party services including Bonzo CRM, Zillow, Radar.io, LlamaExtract, SendGrid, Stripe, Google Cloud Platform, PlanetScale, Trust Pro Title, Telnyx, The Campaign Registry and wireless carriers, Google (Gmail, Google Calendar, and Firebase), Microsoft (Outlook), Anthropic, and OpenAI.

We are not responsible for:

• The availability, accuracy, or reliability of third-party services
• Changes to third-party APIs or services that affect our Service
• Third-party pricing, terms, or policies
• Data security or privacy practices of third parties
• Any loss or damage resulting from third-party service failures

Your use of third-party services through our platform may be subject to additional terms and policies of those third parties.

13.1 Service Modifications

We reserve the right to modify, update, or discontinue the Service or any features at any time. We will make reasonable efforts to notify you of material changes that negatively impact your use of the Service.

13.2 Terms Modifications

We may revise these Terms from time to time. Material changes will be notified through:

• Email to your registered email address
• Prominent notice within the Service
• Updated "Last Updated" date at the top of these Terms

For material changes, we may require you to review and accept the revised Terms before you continue using the Service.

Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using the Service.

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

14.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through:

1. Good faith negotiation between the parties
2. If negotiation fails, binding arbitration in accordance with the American Arbitration Association's Commercial Arbitration Rules
3. Arbitration shall take place in San Francisco, California
4. Each party shall bear its own costs of arbitration

14.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis only, and you waive any right to participate in a class action lawsuit or class-wide arbitration.

14.4 Injunctive Relief

Notwithstanding the arbitration requirement, either party may seek injunctive relief in court to protect intellectual property rights or confidential information.

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Amortize AI regarding the Service and supersede all prior agreements and understandings.

15.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15.4 Assignment

You may not assign or transfer these Terms or your rights and obligations without our prior written consent. We may assign these Terms without restriction.

15.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, or internet failures.

15.6 Notice

Notices to you may be made via email or through the Service. Notices to us should be sent to legal@amortize.ai.

15.7 Relationship

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Amortize AI.

15.8 Contact Information

This section covers the text messages Amortize AI sends to you, our customer. It does not cover the messages you send to borrowers and leads through the Service, which Sections 6.4 and 6.5 address.

16.1 The Program

Amortize Me LLC, doing business as Amortize AI, operates an optional text messaging program for Amortize users. There are three types of messages, and you opt in to each one separately:

• Marketing: new features, product tips, promotions, and events
• Account notifications: alerts about your account, such as lead and appointment alerts, billing and subscription notices, and service updates
• Customer care: replies to your support requests and help with your account

16.2 Opting In

You opt in by entering your mobile number and checking the box for each message type you want, either in the last step of creating your account or in Settings → Profile. Boxes are never checked for you. By opting in, you agree to receive recurring automated text messages of the types you chose at the number you provided, and you confirm that you are the subscriber or an authorized user of that number. Consent to receive text messages is not a condition of purchasing or using the Service.

16.3 Message Frequency and Cost

Message frequency varies. Message and data rates may apply; your mobile carrier's standard rates apply to messages you send and receive. We do not charge for these messages.

16.4 Opting Out

Reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any text from us to stop all text messages from Amortize AI. We will send one message confirming that you have opted out, and then no further messages. You can rejoin at any time by replying START. You can also turn individual message types off in Settings → Profile. Opting out of texts does not affect your account or the service emails we send.

16.5 Help

Reply HELP to any text from us, or email support@amortize.ai.

16.6 Carriers

Carriers are not liable for delayed or undelivered messages. Delivery depends on your carrier's network and your device.

16.7 Changing Your Number

If you change or give up your mobile number, update it in Settings → Profile or reply STOP from the old number, so that messages meant for you do not reach someone else.

16.8 Privacy

We handle your mobile number and consent records as described in Section 10 of our Privacy Policy. No mobile information is shared with third parties or affiliates for marketing or promotional purposes.