Terms of Service

Last updated: March 9, 2026

1. Introduction

Welcome to LenderAuthority ("Service", "we", "us", or "our"). By accessing or using our platform, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Service Description

LenderAuthority is a content generation platform designed for mortgage loan officers. Our Service uses artificial intelligence to help create marketing content, including but not limited to social media posts, email templates, and other promotional materials.

3. User Responsibilities

As a user of LenderAuthority, you agree to:

  • Provide accurate and complete information when creating an account
  • Maintain the security of your account credentials
  • Review all generated content before publication or distribution
  • Ensure all content you publish complies with applicable federal, state, and local laws
  • Comply with all applicable mortgage industry regulations, including but not limited to RESPA, TILA, ECOA, and state licensing requirements
  • Not use the Service for any unlawful purpose or in violation of these Terms

4. Your Compliance Safety Net & Partnership

We've Got Your Back

LenderAuthority is built with a sophisticated "Compliance Brain" designed to help you avoid common marketing pitfalls like quoting specific rates or making "guaranteed" claims. Our goal is to help you sound like the professional you are—calm, competent, and compliant.

The Final Polish

Think of LenderAuthority as your high-level marketing assistant. While our system filters for risky language and automatically adds your NMLS and company disclosures, the best practice in our industry is always a "second set of eyes."

Your Professional Responsibility

To ensure you are 100% aligned with your specific company's unique brand guidelines and state-specific rules, we encourage you to give each post a quick final review. If your company requires it, simply run your "Authority Week" package by your compliance officer—they'll love how professional and conservative the drafts already are! By using the system, you agree to perform this final check to keep your business safe and successful.

5. Content Disclaimer

IMPORTANT: All content generated by LenderAuthority is provided as a starting point only. You are solely responsible for reviewing, editing, and ensuring compliance of all content before use.

While our Service includes compliance features designed to help filter prohibited language, we make no guarantees that generated content will be fully compliant with all applicable regulations. The mortgage industry is heavily regulated, and requirements vary by state and may change over time.

You acknowledge that:

  • AI-generated content may contain errors, inaccuracies, or non-compliant language
  • You must verify all facts, figures, rates, and claims before publication
  • Content should be reviewed by your compliance department or legal counsel when appropriate
  • LenderAuthority does not provide legal, compliance, or regulatory advice

6. No Guarantee of Results

We do not guarantee any specific results from using our Service. Marketing effectiveness depends on many factors outside our control, including market conditions, your target audience, and how you use the generated content. Past performance of any marketing strategy does not guarantee future results.

7. Intellectual Property

Content you generate using our Service is owned by you, subject to these limitations:

  • You grant us a license to use your input data to improve our Service
  • Our platform, technology, branding, and underlying systems remain our property
  • You may not reverse engineer, copy, or redistribute our platform or technology

8. Subscription and Billing

Access to LenderAuthority requires a paid subscription after your free trial period.

  • Subscriptions automatically renew unless canceled before the renewal date
  • You may cancel your subscription at any time through your account settings
  • Refunds are provided at our sole discretion and are not guaranteed
  • We reserve the right to change pricing with 30 days' notice

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDERAUTHORITY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits, revenue, or business opportunities
  • Regulatory fines, penalties, or enforcement actions
  • Reputational damage
  • Legal fees or costs
  • Any damages arising from your use of generated content

Our total liability to you for any claims arising from your use of the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless LenderAuthority and its affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any applicable law or regulation.

11. Privacy

Your use of the Service is also governed by our Privacy Policy. By using LenderAuthority, you consent to the collection and use of information as described in our Privacy Policy. We take reasonable measures to protect your data but cannot guarantee absolute security.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

13. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. Contact Us

If you have any questions about these Terms, please contact us at:

LenderAuthority
Email: [email protected]

By using LenderAuthority, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.