Terms of Service

These Terms of Service (“Terms”) govern your use of LoanDeck at loandeck.app (the “Service”), operated by LoanDeck LLC (“we,” “us,” or “our”). By creating an account or using the Service, you agree to these Terms.

1. The Service

LoanDeck is a loan comparison tool for licensed mortgage professionals. It allows brokers to build multi-scenario loan comparisons, share them with clients via secure links, and generate PDF exports.

LoanDeck is not a lender, broker, or mortgage service provider. It is a software tool. No financial advice, loan commitments, or mortgage guarantees are made by LoanDeck. All loan scenarios are illustrative and for informational purposes only.

2. Eligibility

To create a broker account, you must:

• Be at least 18 years of age
• Be a licensed mortgage professional or work under the supervision of one
• Have the legal authority to enter into these Terms
• Not be prohibited from using the Service under applicable law

By creating an account, you represent that you meet these requirements. We do not currently verify license status at signup. You are responsible for ensuring your use of the Service complies with your licensing obligations.

3. Accounts

Registration: You must provide accurate information when creating your account, including your name, email address, and NMLS license number. You are responsible for keeping this information current.

Security: You are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately at hello@loandeck.app if you suspect unauthorized access to your account.

One account per person: Each account is for individual use. Team accounts for multiple users are available under separate Team plan terms.

Account termination: We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, or remain inactive for an extended period with advance notice where feasible.

4. Acceptable Use

You agree to use LoanDeck only for lawful purposes and in accordance with these Terms.

You may:

• Build loan comparisons for your clients
• Share comparison links with borrowers you are working with
• Use AI features to assist in building comparisons
• Export comparisons as PDFs for client presentations

You may not:

• Use LoanDeck to mislead, deceive, or defraud borrowers
• Present LoanDeck-generated comparisons as guaranteed loan terms or commitments
• Use the Service to violate any applicable law, including RESPA, TILA, or ECOA
• Share your account credentials with others
• Attempt to reverse engineer, scrape, or copy the Service
• Use the Service to harass, spam, or send unsolicited communications
• Upload malicious files or attempt to compromise the security of the Service
• Use the Service in any way that could damage our reputation or that of our partners
• Use the Service to develop, or to assist any other party in developing, a competing or substantially similar product or service
• Use the Service for competitive benchmarking, evaluation, or analysis for the benefit of a competitor
• Access the Service on behalf of a competitor, or provide a competitor with access to the Service
• Publish performance, benchmark, or comparison data about the Service without our prior written consent
• Upload, link to, or otherwise supply images or other content you do not have the right to use, including listing photographs, MLS content, or other third-party copyrighted material

Content you upload: LoanDeck lets you supply property photos, company logos, and headshots, either by uploading a file or by entering an image URL, and renders them into client-facing comparisons, PDFs, and flyers. You represent that you own or hold all rights and licenses necessary to use any image, logo, or other content you upload or link, and to have LoanDeck display and reproduce it for that purpose. Our rendering of your content does not transfer or grant you any rights in it, and does not warrant that you have them.

Regulatory compliance: You are solely responsible for ensuring your use of LoanDeck complies with all applicable federal, state, and local laws and regulations governing mortgage lending, including but not limited to TILA, RESPA, ECOA, the SAFE Act, and applicable state licensing requirements.

Advertising and disclosure: LoanDeck output displays rates, payments, and loan terms. Using that output publicly or promotionally — on social media, in marketing materials, or as open house collateral, among others — may trigger disclosure obligations under Regulation Z, including APR disclosure where trigger terms appear. Those obligations are yours, not ours. LoanDeck does not generate advertising disclosures and does not review your output for compliance before you share it.

5. Client Data and Borrower Information

When you use LoanDeck with your clients, you are responsible for:

• Obtaining any necessary consent from borrowers before entering their information into the Service
• Ensuring you have a legitimate professional relationship with borrowers whose data you enter
• Complying with applicable privacy laws regarding borrower information
• Not entering sensitive personal information beyond what is necessary to build a comparison (Social Security numbers, full dates of birth, and full account numbers are not needed and should not be entered)

Connected loan origination systems: LoanDeck can import loan data from a third-party loan origination system, either through a direct API connection or through an automation platform such as Zapier. If you connect one, you represent that you have the authority to transmit that data to LoanDeck and that you have obtained any consent required by law, by your employer, or by the terms of the loan origination system's own provider.

What we import: LoanDeck ingests a limited, allowlisted set of fields from a connected system: loan and property terms, plus borrower and co-borrower names used to label the comparison. We do not ingest Social Security numbers, dates of birth, contact information, employment, income, or credit data, even where the connected system makes those fields available.

You acknowledge that LoanDeck is a tool to assist your professional work, not a consumer-facing platform. You take on responsibility for how borrower information is used when you share comparison links.

6. AI Features

LoanDeck includes AI-powered features including the AI Loan Entry tool, mortgage statement data extraction, and AI-generated email summaries.

You understand and agree that:

• AI-generated outputs are not guaranteed to be accurate and must be reviewed by you before use
• Rates, calculations, and loan data generated or populated by AI must be verified against current lender pricing before presenting to clients
• Mortgage statement extraction may not capture all fields or may extract incorrect values — always verify extracted data against the original document
• AI-generated summaries are drafts for your review — you are responsible for the accuracy of any communication sent to clients
• LoanDeck is not liable for errors in AI-generated content that you present to clients without verification
• When you upload a mortgage statement, its contents are transmitted to a third-party AI provider for processing — do not upload documents unless you have authorization to do so

7. Compliance Tools

LoanDeck includes tools that evaluate a loan scenario against published federal program requirements. These include the VA IRRRL net tangible benefit test and its recoupment calculation, the FHA Streamline net tangible benefit test, and streamline seasoning requirements for VA, FHA, and USDA loans.

What these tools do: They implement the program rules as published by the governing agency, and they identify the authority behind each test — VA circulars and 38 C.F.R. part 36 for IRRRL benefit and recoupment, HUD Mortgagee Letters 2012-4 and 2011-11 for FHA Streamline, and USDA program guidance for streamlined refinances. Where a test produces a result, the Service shows you which requirement produced it.

What these tools cannot know:

• Lender and investor overlays. Program rules are a floor. Your lender or investor may impose stricter requirements, and the Service has no knowledge of them.
• The accuracy of your inputs. Every result derives entirely from the figures you enter. A wrong rate, balance, payment, or date produces a wrong result.
• The currency of published guidance. Circulars, mortgagee letters, and program rules change. The Service may not reflect the most recent version at the time you use it.
• The loan file itself. Seasoning, occupancy, payment history, and eligibility depend on documents the Service never receives.

A result is not a determination. A pass, fail, or warning from these tools is not a determination of eligibility, not a representation that any loan satisfies any regulatory requirement, and not a substitute for verification with your lender, your investor, or the applicable agency. You are responsible for independently confirming every result before relying on it or presenting it to a borrower.

8. Intellectual Property

Our property: The Service, including its software, design, features, and content, is owned by LoanDeck LLC and protected by applicable intellectual property laws.

Your content: You retain ownership of the comparisons, templates, and other content you create using the Service. By using the Service, you grant us a limited license to store, process, and display your content solely to provide the Service to you.

Aggregated data: We may use aggregated and de-identified data derived from use of the Service to operate, maintain, secure, and improve the Service.

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

9. Subscription and Payment

LoanDeck is currently in beta. Detailed billing terms, pricing, and plan features will be announced before the general availability launch.

During beta, access may be provided at no cost or at a promotional rate. Any billing arrangement in effect during beta will be communicated to you directly.

When paid plans are introduced:

• Subscriptions will be billed in advance on a monthly or annual basis
• You will receive at least 30 days notice before any pricing changes
• Cancellation terms and refund policies will be published at that time

By continuing to use the Service after paid plans are introduced, you agree to the billing terms in effect at that time.

10. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, express or implied.

We do not warrant that:

• The Service will be uninterrupted, error-free, or secure
• Calculations and outputs will be accurate or suitable for any particular purpose
• The Service will meet your specific requirements

LoanDeck is a tool to assist mortgage professionals. It does not constitute financial, legal, or mortgage advice. All calculations are estimates based on inputs you provide and are for illustrative purposes only.

11. Limitation of Liability

To the maximum extent permitted by applicable law, LoanDeck LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or business interruption.

Our total liability to you for any claim arising out of or related to these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

Some jurisdictions do not allow limitations on liability, so some of the above may not apply to you.

12. Indemnification

You agree to indemnify and hold harmless LoanDeck LLC and its operators from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Service
• Your violation of these Terms
• Your violation of applicable law
• Any claim by a third party related to content you create or share using the Service

13. Third-Party Services

The Service integrates with third-party services including database providers, email delivery services, AI processing services, analytics services, address lookup services, and others necessary to operate the Service. Your use of those services is subject to their respective terms and privacy policies. We are not responsible for the practices or content of third-party services. A description of the categories of third-party services we use is available in our Privacy Policy.

A current list of the subprocessors we use to provide the Service is available on request at hello@loandeck.app.

14. Termination

Either party may terminate these Terms at any time.

You may terminate by requesting account deletion via Settings or by contacting hello@loandeck.app.

We may terminate or suspend your access immediately if you violate these Terms, engage in fraudulent activity, or if we discontinue the Service.

Upon termination, your right to use the Service ends. You may request a copy of your comparison data by contacting hello@loandeck.app. We will make reasonable efforts to accommodate data export requests.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. LoanDeck LLC is organized under the laws of the State of California.

Any disputes arising from these Terms or the Service will be resolved through binding arbitration under the American Arbitration Association's Consumer Arbitration Rules, except that either party may bring claims in small claims court if they qualify.

You waive any right to participate in a class action lawsuit or class-wide arbitration.

16. Survival

Some obligations outlast the agreement. If these Terms end, for any reason and by either party, the following sections stay in force: §4 (Acceptable Use), §5 (Client Data and Borrower Information), §6 (AI Features), §7 (Compliance Tools), §8 (Intellectual Property), §10 (Disclaimers), §11 (Limitation of Liability), §12 (Indemnification), §15 (Governing Law and Disputes), and this section along with §17, §18, and §19.

Any other provision that by its nature should survive termination survives it.

17. Severability

If any provision of these Terms is held unenforceable or invalid, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions stay in full force.

18. Entire Agreement

These Terms, together with our Privacy Policy, are the entire agreement between you and LoanDeck LLC regarding the Service, and replace any prior agreement or understanding on that subject.

Our failure to enforce any provision is not a waiver of it.

19. Assignment

You may not assign or transfer these Terms, or any rights under them, without our prior written consent. Any attempt to do so is void.

We may assign these Terms in whole or in part, without your consent, in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets, or to an affiliate. We will give you notice of an assignment through the Service or by email.

20. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice in the Service. Your continued use of the Service after the effective date of changes constitutes acceptance of the updated Terms.

If you do not agree to updated Terms, you must stop using the Service and request account deletion.

21. Contact

For questions about these Terms:

Email: hello@loandeck.app
Website: https://loandeck.app

LoanDeck LLC
Long Beach, California