Welcome to Easy Loan Estimate. These Terms of Service ("Terms") govern your access to and use of our website, services, and AI-powered loan estimate analysis tools (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms.
1. Acceptance of Terms
By creating an account, uploading documents, or using any part of our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Description of Service
Easy Loan Estimate provides an AI-powered analysis tool that helps users understand and evaluate mortgage loan estimates. Our Service includes:
- Document upload and processing capabilities
- AI-powered analysis of loan terms and conditions
- Visualization of loan costs and payment structures
- Educational content and personalized insights
- Comparison tools and recommendations
3. Eligibility and Account Requirements
Age Requirement
You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you meet this age requirement.
Accuracy of Information
You agree to provide accurate, current, and complete information when using our Service and to update such information as necessary to maintain its accuracy.
4. User Responsibilities and Conduct
Acceptable Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:
- Upload documents that you do not own or have permission to use
- Use the Service to violate any applicable laws or regulations
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt the Service or servers
- Use automated systems (bots, scrapers) without our written permission
- Upload malicious code, viruses, or harmful content
- Impersonate any person or entity
- Harvest or collect information about other users
- Use the Service for any fraudulent or illegal activity
Document Ownership
You retain all ownership rights to documents you upload. By uploading documents, you grant us a limited license to process and analyze them solely for the purpose of providing our Service.
5. Intellectual Property Rights
Our Content
The Service, including its design, features, functionality, text, graphics, logos, and software, is owned by Easy Loan Estimate and is protected by copyright, trademark, and other intellectual property laws.
Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, subject to these Terms.
6. Analysis and Results
No Guarantee of Accuracy
While we strive to provide accurate analysis, we do not guarantee the accuracy, completeness, or reliability of any analysis results. You should:
- Verify all information independently
- Consult with qualified professionals (mortgage advisors, lawyers, financial planners)
- Not rely solely on our analysis for making financial decisions
- Read and understand your actual loan documents carefully
AI Limitations
Our AI technology is continuously improving but may occasionally produce errors or incomplete analysis. You acknowledge that AI systems have inherent limitations.
7. Fees and Payment
Free Service
Our basic Service is currently provided free of charge. We reserve the right to introduce fees for certain features in the future with appropriate notice.
Future Premium Features
If we introduce paid features, we will clearly communicate the pricing and obtain your consent before charging you.
8. Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information. By using the Service, you consent to our data practices as described in the Privacy Policy.
Data Security
We implement reasonable security measures, but no system is completely secure. You use the Service at your own risk.
9. Third-Party Services
Our Service may integrate with or link to third-party services, websites, or applications. We are not responsible for the content, policies, or practices of third parties. Your use of third-party services is governed by their respective terms and conditions.
10. Disclaimers and Limitations of Liability
No Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, EASY LOAN ESTIMATE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:
- Your use of or inability to use the Service
- Any unauthorized access to or use of our servers or your information
- Any errors or omissions in the analysis or content
- Financial decisions made based on our analysis
- Any conduct or content of third parties
11. Indemnification
You agree to indemnify, defend, and hold harmless Easy Loan Estimate and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:
- Your access to or use of the Service
- Your violation of these Terms
- Your violation of any third-party rights
- Any documents or content you upload
12. Termination
By You
You may stop using the Service at any time. If you wish to delete your data, please contact us.
By Us
We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including if we believe you have violated these Terms.
Effect of Termination
Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, and limitations of liability.
13. Changes to the Service and Terms
Service Modifications
We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice.
Terms Updates
We may update these Terms from time to time. We will notify you of material changes by posting the new Terms on this page and updating the "Effective Date." Your continued use of the Service after such changes constitutes acceptance of the updated Terms.
14. Dispute Resolution
Informal Resolution
If you have any concerns or disputes, please contact us first at info@easyloanestimate.com. We will attempt to resolve disputes informally.
Arbitration
Any disputes that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
Class Action Waiver
You agree that any arbitration or proceeding shall be limited to the dispute between you and Easy Loan Estimate individually. You waive any right to participate in a class action lawsuit or class-wide arbitration.
15. General Provisions
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Easy Loan Estimate regarding the Service.
No Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
16. Contact Information
If you have questions about these Terms, please contact us:
Email: info@easyloanestimate.com
Subject Line: Terms of Service Inquiry
By using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.