The AI Mortgage Pro LLC
Terms of Service
1. Who we are
These Terms are an agreement between you and The AI Mortgage Pro LLC ("we", "us"), 1111 6th Ave, Suite #550 NUM 256928, San Diego, CA 92101, robert@theaimortgagepro.com. They cover the subscription software we offer at theaimortgagepro.com and ai.theaimortgagepro.com (the "Service").
2. What the Service is
The Service is business software for licensed mortgage loan originators. It analyzes lead lists you supply, drafts outreach for refinance and home-equity products, provides borrower-facing landing pages and a guided loan application, and exports application data in MISMO 3.4 format with a filled Uniform Residential Loan Application (Form 1003) for use in your own loan origination system.
The loan application (Ava). Available as a paid add-on, Ava is a borrower loan application that follows the Uniform Residential Loan Application (Fannie Mae / Freddie Mac Form 1003) and generates the matching MISMO 3.4 file. It does not ask for or collect Social Security numbers; you collect those in your own loan origination system. It does collect the other information the 1003 calls for, including date of birth, contact and employment details, income, assets, debts with their account numbers, and property details. Each submission is delivered to you and deleted from our servers 7 days after it arrives. Ava is optional; the rest of the Service works without it.
We are a software company. We do not make, broker, arrange or service loans, we do not give financial, credit or legal advice to anyone, and we do not handle loan funds. You, as a licensed originator, are responsible for all lending activity and for every communication sent to borrowers.
3. Who may subscribe
- You must be a mortgage loan originator licensed in the states where you use the Service (or work under a licensed originator's supervision), and use the Service for business purposes only.
- You must give your individual NMLS ID at sign-up. We check it against the public NMLS Consumer Access registry. If it can't be verified as an active originator license, we may cancel the subscription and refund it in full.
- You must give a work email address you control. We send a one-time code to it to verify it before any purchase and when you sign in on a new computer.
4. Your account and sign-in
- Each subscription is for one person. Do not share your sign-in. Each computer you use is trusted only after you verify your email there, and can be unlocked with that computer's own Windows Hello, Touch ID or Face ID passkey.
- The Service locks after 15 minutes without activity. Use "Sign out of this device" on any computer you do not control.
- Tell us at once if you suspect someone else has access to your account. We can revoke a computer's access from our side.
5. Your responsibilities
- Licensing and advertising rules. You are responsible for complying with the laws that apply to your lending and marketing, including the Truth in Lending Act and Regulation Z advertising rules, RESPA, the CAN-SPAM Act, the Telephone Consumer Protection Act, the Fair Housing and Equal Credit Opportunity Acts, the Gramm-Leach-Bliley Act and your state's licensing and advertising requirements.
- Review before you send. Figures and wording the Service produces are estimates and drafts. Rates, payments, savings and equity amounts must be checked against your own pricing and the borrower's actual circumstances before anything reaches a borrower.
- Your lead lists. You must have the right to use any list you load, and must honor opt-outs and do-not-call rules. Do not use the Service to make eligibility decisions about consumers based on that data.
- Your borrowers' privacy. You provide your own privacy notices to your borrowers as required by law. The Service processes borrower information on your behalf (see the Privacy Policy).
6. Acceptable use
You will not: resell or sublicense the Service; copy, reverse-engineer or scrape it; probe or bypass its security; upload malicious code; use it to send unlawful or unsolicited bulk messages; or use it for any unlawful or fraudulent purpose. We may suspend access that puts the Service, borrowers or other customers at risk.
7. Plans, billing and the payment provider
- Plans are billed monthly in advance and renew automatically each month until cancelled:
- Tier 1: two funnels of your choice. Free for the first 30 days, then $99 a month. A card is required at signup; unless you cancel before day 31, the $99 monthly charge begins automatically on day 31 and renews each month until cancelled.
- Tier 2: four funnels, $149 a month. Tier 3: six funnels, $199 a month. Tier 4: the whole catalogue, $249 a month. The free first 30 days apply to Tier 1 only.
- Ava, the browser-based loan application that turns a funnel visit into a completed Form 1003 and MISMO 3.4 file, is an optional add-on at $49 a month on any tier. It is not included in any tier price, including Tier 1's free first 30 days.
- Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Paddle's own buyer terms apply to the payment.
- Applicable taxes are calculated and collected by Paddle at checkout.
- We will give at least 30 days' notice by email before changing the price of an existing subscription.
- If a payment fails, access pauses until the payment method is updated. Nothing in your account is deleted because of a failed payment.
8. Cancellation
You can cancel at any time from the customer portal link in your Paddle receipts or by emailing us. Access continues until the end of the period you have paid for. Refunds are covered by the Refund Policy.
A refund or cancellation ends your right to use the Service and grants no rights to it. Copying, keeping or using any part of the Service, including its code, templates, scoring and generated designs, after access ends is a breach of these Terms and of our intellectual-property rights, which we may enforce.
9. Your data and ours
- You own the data you put into the Service and the content it produces for you. You grant us only the rights needed to run the Service for you.
- We own the Service itself: the software, its methods, design, templates and documentation, and all related intellectual property. Nothing in these Terms transfers it to you.
- How we handle personal information is described in the Privacy Policy, which is part of these Terms.
10. Availability and changes
We work to keep the Service available but do not guarantee uninterrupted access. We may improve or change features; we will not remove a core feature of your plan during a paid period without notice.
11. Disclaimers
The Service is provided "as is". To the extent the law allows, we disclaim all implied warranties, including merchantability, fitness for a particular purpose and accuracy of estimates. Output from the Service, including figures derived from public records and text drafted with AI assistance, is not financial, legal or compliance advice.
12. Limitation of liability
To the extent the law allows, we are not liable for indirect, incidental, special or consequential damages, or for lost profits, revenue or data. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim.
13. Indemnity
You agree to defend and indemnify us against claims arising from your lending activity, your communications with borrowers, the lists you supply, or your breach of these Terms.
14. Ending the agreement
You may stop at any time by cancelling. We may suspend or end access for non-payment or a serious breach of these Terms, with notice where practical. Sections 9, 11, 12, 13 and 15 continue after the agreement ends.
15. Law and disputes
These Terms are governed by California law. Disputes will be heard in the state or federal courts located in San Diego County, California.
16. Changes to these Terms
We will post updated Terms here with a new effective date and email active subscribers about material changes at least 30 days before they apply.
17. Contact
The AI Mortgage Pro LLC, 1111 6th Ave, Suite #550 NUM 256928, San Diego, CA 92101 · robert@theaimortgagepro.com