Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") are entered into between you and EloiseAI LLC, a Delaware limited liability company ("EloiseAI," "we," "us," or "our"), which owns and operates the TermVerify platform. By accessing or using TermVerify, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use the Service.

2. Description of Service

TermVerify is an informational platform that analyzes loan estimate documents and provides educational insights. The Service is provided for informational and educational purposes only.

TERMVERIFY IS NOT A LENDER, MORTGAGE BROKER, OR FINANCIAL ADVISOR. WE DO NOT ORIGINATE, UNDERWRITE, OR FUND LOANS. THE SERVICE DOES NOT CONSTITUTE FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE.

3. No Professional Advice

The information provided through TermVerify is for general informational purposes only and should not be relied upon as professional advice. You should consult with qualified professionals (including licensed mortgage professionals, attorneys, and financial advisors) before making any financial decisions. Any reliance you place on information from the Service is strictly at your own risk.

4. User Accounts and Eligibility

To use certain features of the Service, you must register for an account. You must be at least 18 years old and legally capable of entering into binding contracts. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

5. User Content and Data

By uploading documents to TermVerify, you represent that you have the right to share such documents and that they do not violate any third-party rights. You retain ownership of your documents. We process your documents solely to provide the Service and in accordance with our Privacy Policy.

6. Marketplace Features

TermVerify may display offers from licensed loan officers. These offers are provided by independent third parties, not by EloiseAI. We do not endorse, guarantee, or recommend any loan officer or their offers. Any transaction you enter into with a loan officer is solely between you and that party. EloiseAI is not a party to any such transaction and assumes no liability for the actions, products, or services of any loan officer.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

We make no representations or warranties regarding the accuracy, completeness, or reliability of any analysis, grade, or information provided through the Service. Loan estimates and financial documents contain complex information that may be subject to change and interpretation.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ELOISEAI LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

9. Indemnification

You agree to indemnify, defend, and hold harmless EloiseAI LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of any third party; or (d) any financial decisions you make based on information from the Service.

10. Dispute Resolution and Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association in accordance with its Consumer Arbitration Rules. The arbitration shall take place in Delaware, and judgment on the award may be entered in any court of competent jurisdiction.

YOU AND ELOISEAI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

11. 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 principles.

12. Changes 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 the Service with a new "Last Updated" date. Your continued use of the Service after any changes constitutes your acceptance of the revised Terms.

13. Termination

We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service will immediately cease.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and EloiseAI LLC regarding the Service and supersede all prior agreements and understandings.

16. Contact Us

If you have any questions about these Terms, please contact us at: support@eloiseai.net