Legal

Terms of Service

Last updated: June 17, 2026

1. Acceptance

By accessing or using LoanLens (loanlens.io), you agree to be bound by these Terms of Service. If you do not agree, do not use the Services.

2. Eligibility

The Services are intended for licensed mortgage professionals. By using LoanLens, you represent that you hold all required licenses and will comply with applicable federal and state law.

3. What LoanLens Provides

LoanLens provides credit simulation tools (no hard credit pull), AI-powered analysis, Roadmap PDFs, mortgage calculators, and client profile management for loan officers.

All outputs are AI-generated estimates based on information you provide. They are not credit reports, formal loan decisions, or guarantees of eligibility or approval. LoanLens is not a credit reporting agency. Outputs do not constitute a credit report under the FCRA.

4. Your Responsibilities

Provide accurate information for yourself and your clients
Obtain client consent before entering their data into the platform
Comply with ECOA, FCRA, RESPA, and all applicable state and federal law
Not represent LoanLens outputs as credit reports or formal loan decisions
Keep your credentials secure and not share account access

5. Prohibited Uses

Using the Services to discriminate against any person on the basis of a protected class
Reverse engineering, scraping, or attempting to extract proprietary data or models
Any unlawful purpose or in violation of any applicable regulation
Sharing account credentials with unauthorized parties

6. Disclaimers

The Services are provided "AS IS" without warranty of any kind. We make no representations that outputs will be accurate, complete, or suitable for any particular purpose.

Always verify AI-generated outputs against authoritative sources before relying on them for lending decisions. LoanLens is not a credit reporting agency (CRA) and outputs are not FCRA credit reports.

7. Limitation of Liability

To the maximum extent permitted by law, LoanLens LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total liability for any claim arising out of or relating to the Services shall not exceed the fees you paid to us in the 12 months preceding the claim.

8. Subscription

Subscriptions are billed monthly in advance. You may cancel at any time; cancellation takes effect at the end of the current billing period. No partial refunds are provided for unused time. We will provide 30 days' notice of any price changes.

9. Intellectual Property

All content, software, engines, and models within the Services are owned by LoanLens LLC. Nothing in these Terms grants you any rights to our intellectual property beyond the limited license to use the Services.

10. Termination

We may suspend or terminate your account for violations of these Terms or non-payment. You may cancel your account at any time. Upon termination, your right to access the Services ceases, though you may export your data prior to cancellation.

11. Governing Law

These Terms are governed by the laws of the State of Ohio. Any disputes shall be resolved in the courts of Cuyahoga County, Ohio.

12. Changes

We may update these Terms. Continued use of the Services after changes are posted constitutes acceptance of the revised Terms.