Terms & Conditions of Use

1. Eligibility

Loanranger is exclusively intended for licensed loan officers and mortgage professionals operating in the United States. By using the Platform, you represent and warrant that:

• You are a licensed mortgage professional or authorized representative.
• You are at least 18 years of age.
• All information you provide is accurate and up to date.

2. Description of Services

Loanranger provides lead intelligence services by importing your professional network via third-party integrations and enriching those contacts with publicly available and legally licensed data. The Platform surfaces relationship-based loan opportunities and suggestive insights based on this enrichment.

3. Data Usage and Storage

You authorize Loanranger to automatically ingest and store your professional network data and enrichment data for use within your Platform dashboard. Data is stored in accordance with applicable U.S. privacy regulations and for as long as necessary to deliver the service, improve results, or comply with legal obligations.

You acknowledge and agree that:

• No personally identifiable consumer financial information (e.g., SSNs, credit scores) is collected.
• You are responsible for all usage of the Platform under your credentials.

4. Third-Party Services

The Platform integrates with licensed third-party data providers. You agree that:

• Your use of these services via Loanranger is subject to their respective terms and data sourcing limitations.
• Loanranger is not liable for the accuracy, legality, or use of third-party data sources.

5. Payments

Access to Loanranger may be subject to fees, handled manually or via separate processor agreements. You agree to pay all applicable charges, if any, as communicated in writing.

6. Service Credits for Downtime

If the Platform is unavailable for a continuous period of more than twenty-four (24) hours due to Loanranger's systems (excluding scheduled maintenance, force majeure events, or issues caused by third-party providers), affected Users shall be entitled to a service credit. The service credit will equal a pro-rata portion of the User's monthly subscription fee, calculated on a daily basis (i.e., monthly fee ÷ 30 × number of days of downtime). Credits will be applied to the next billing cycle. Service credits are the User's sole and exclusive remedy for any downtime.

7. Intellectual Property

All content, branding, design elements, and software associated with the Platform are the exclusive property of Loanranger, Inc. You may not reproduce, distribute, or reverse engineer any portion of the Platform.

8. Disclaimer of Warranties

The Platform and its outputs (including AI-generated insights) are provided "as is" and for informational purposes only. Loanranger does not guarantee any specific business outcomes or lead conversion results.

9. Limitation of Liability

To the fullest extent permitted by law, Loanranger shall not be liable for any indirect, incidental, punitive, or consequential damages arising out of or related to your use of the Platform.

10. Termination

We may suspend or terminate your access to the Platform at our sole discretion for any violation of these Terms, misuse, or unlawful behavior.

11. Governing Law

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

12. Changes to Terms

Loanranger may modify these Terms at any time. Updated Terms will be posted on the Platform and are effective immediately upon posting. Your continued use constitutes acceptance.

13. Contact Information

For questions or support, contact: support@loanranger.ai