Terms of Use

1.Definitions

• Platform refers to the Loanlens website and everything we run behind it.
• User, You, or Your refers to any individual using the Platform.
• Services refers to the mortgage chat, the “What can I afford?” calculator, and the analysis of Loan Estimates and Closing Disclosures.
• Documents refers to the PDFs you upload, and Analysis refers to the rule-checked analysis we produce from them.

2.Eligibility

By using Loanlens, you confirm that:

• You are at least 18 years old
• You have the authority to agree to these Terms
• You are the borrower on the Documents you upload, or you have the borrower’s permission to upload them
• You will comply with all applicable laws and regulations while using our Services

3.Use of Services

You agree to use Loanlens only for lawful purposes. You must not:

• Use the Platform for illegal or fraudulent activities
• Upload Documents that you have no right to share, or files that are not loan documents
• Attempt to hack, damage, disrupt, or misuse our systems
• Upload malicious software or harmful content
• Abuse the Platform or its API, scrape it, or process other people’s Documents in bulk
• Reverse engineer the Platform, or copy our rules or Analyses to build a competing service
• Share your login with others

We reserve the right to suspend or terminate accounts that violate these Terms.

4.What Loanlens Does, and What It Does Not

Loanlens reads the Loan Estimate or Closing Disclosure you upload and checks it against a fixed set of rules. By using it, you acknowledge and agree that:

• Loanlens is an information tool. It is not a lender, mortgage broker, loan originator, financial adviser, attorney, or appraiser, and nothing in an Analysis is legal, financial, or tax advice.
• Documents are read with the help of AI, so the fields we extract, and the Analysis built from them, can contain mistakes or miss issues. Before you pay, you can see every field we extracted. Please compare it with your original Documents and confirm anything important with your lender.
• A favorable result is not an approval, and does not mean a loan is fair, suitable, or compliant with law. A flagged item does not mean a lender has broken the law.
• We do not contact your lender, negotiate, or act for you.
• Loanlens is not affiliated with or endorsed by any lender, the Consumer Financial Protection Bureau, or any government agency.
• The “What can I afford?” calculator gives estimates from the figures you enter. It does not decide whether you qualify for a loan.
• Decisions about your loan are yours alone.

5.Payments

The mortgage chat and the “What can I afford?” calculator are free. Analyzing your Documents is paid. By purchasing, you agree that:

• The price is a one-time charge for each loan analysis, shown at checkout before you pay. Prices may change, and a change applies only to later purchases
• Payment is taken by Stripe, and must be completed before we run the checks and prepare your Analysis
• You can review the extracted fields before you pay

6.Refunds

An Analysis is a digital product that is delivered as soon as it is ready, so payments are generally non-refundable once your Analysis has been delivered. If you are charged and we do not deliver the Analysis, or you are charged twice for the same analysis, contact us and we will re-run the analysis or refund you. Other refund requests are reviewed case by case.

7.Your Documents and Content

You keep ownership of your Documents and of the messages you send. You give us permission to host, read, and store them, and to create Analyses and replies from them, only so that we can provide Loanlens to you. We do not use your Documents or content for promotion or marketing. You confirm that:

• You own the Documents or have the right to upload them, including any co-borrower’s information in them
• You will not submit unlawful, abusive, or infringing material

How we handle your information, including when uploaded PDFs are deleted, is described in our Privacy Policy and Data Processing Policy.

8.Intellectual Property

The Loanlens software, rules, design, text, logos, and branding are owned by or licensed to us and protected by applicable intellectual property laws. You may use your own Analyses for your personal purposes, including sharing them with your lender, advisers, or family. You may not:

• Sell, sublicense, or republish our materials or Analyses as a service
• Copy or duplicate Platform assets
• Use our branding without written permission

9.Your Account

You are responsible for keeping your password safe and for what happens under your account. Tell us promptly if you think someone else has accessed it. We may suspend an account we reasonably believe is compromised or being misused.

10.Disclaimer

Loanlens is provided on an “as-is” and “as-available” basis. We do not guarantee:

• That every field is read correctly or that every issue in a Document is found
• That an Analysis or calculator estimate is complete, current, or right for your situation
• Any particular loan outcome, rate, or saving
• Continuous uptime or error-free functionality

You use Loanlens, and anything it tells you, at your own discretion and risk.

11.Limitation of Liability

To the maximum extent permitted by law, Loanlens shall not be liable for:

• Indirect or consequential damages
• Losses from relying on an Analysis, such as a lost rate, a missed closing, or a loan on poor terms
• Loss of revenue, profits, or opportunity
• Data loss and platform downtime
• Failures of third parties we rely on, such as payment, AI, or hosting providers

Our total liability shall not exceed the amount paid by you for our Services within the previous 3 months. This does not limit any liability that the law does not allow us to limit.

12.Termination

We reserve the right to suspend or terminate access to our Services if:

• You violate these Terms
• Your activities harm the Platform or other users
• Required by law

You may stop using Loanlens at any time and ask us to delete your account. Termination does not remove outstanding payment obligations.

13.Changes to Terms

We may update these Terms periodically. Continued use of Loanlens after updates constitutes acceptance of the revised Terms.

14.Governing Law

These Terms shall be governed under the laws of the United States. Any disputes shall be subject to the jurisdiction of courts located in the United States.

15.Contact Information

For any questions regarding these Terms, contact:

Loanlens
Email: support@loanlens.example