These Terms of Service ("Terms") constitute a legally binding agreement between you ("User") and BrokerOS LLC ("BrokerOS," "we," "us," or "our") governing your access to and use of the BrokerOS platform at brokerostools.com. By creating an account or using the Platform, you agree to be bound by these Terms.
About BrokerOS
BrokerOS is a SaaS platform providing AI-powered workflow tools for licensed mortgage brokers, loan officers, and their support staff. Current tools include LenderIQ, RefinanceIQ, ScenarioIQ, and EstimateIQ.
⚠️ BrokerOS is not a lender, mortgage broker, or financial advisor. The Platform is an operational productivity tool. Nothing on the Platform constitutes mortgage, legal, financial, or investment advice.
Eligibility
To use the Platform, you must:
- Be at least 18 years of age
- Be a licensed Mortgage Loan Originator (MLO) holding an active NMLS license, or authorized support staff operating under a licensed entity
- Provide your valid NMLS ID number at registration and certify that it is your own
- Have the legal authority to enter into these Terms on behalf of yourself or your organization
- Not be prohibited from using the Platform under applicable law
By using the Platform, you represent and warrant that you meet all eligibility requirements. BrokerOS reserves the right to suspend or terminate any account where eligibility cannot be confirmed.
Account Registration
Account Creation
You must register for an account to access the Platform. Registration requires a valid NMLS ID number and your acknowledgment that you are a licensed Mortgage Loan Originator. By checking the certification box at signup, you certify under penalty of account termination that the NMLS ID you provided is your own active license. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date.
Account Security
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@brokerostools.com if you suspect unauthorized access.
One Account Per User
Each account is for a single individual user. You may not share your account credentials with others or allow others to access the Platform through your account.
Subscription and Payment
Subscription Plans
Access to the Platform requires a paid subscription. Available plans, pricing, and features are described at brokerostools.com/pricing. We reserve the right to modify plans and pricing with 30 days advance notice.
Billing
Subscriptions are billed on a recurring basis (monthly or annually) via our third-party payment processor. By subscribing, you authorize us to charge your payment method on a recurring basis until your subscription is cancelled.
Free Trials
If we offer a free trial, your payment method may be charged automatically at the end of the trial period unless you cancel before the trial expires.
Cancellation
You may cancel your subscription at any time through your account settings or by contacting us at support@brokerostools.com. Cancellation takes effect at the end of your current billing period.
Refunds
All subscription fees are non-refundable except where required by applicable law or expressly stated otherwise at the time of purchase.
Taxes
You are responsible for any applicable taxes associated with your subscription.
Acceptable Use
Permitted Use
You may use the Platform solely for lawful purposes in connection with your mortgage business operations, consistent with these Terms.
Prohibited Use
You agree not to:
- Use the Platform for any illegal purpose or in violation of applicable law, including mortgage lending laws and regulations
- Enter, upload, or transmit borrower personal information, Social Security numbers, credit data, bank statements, tax returns, or other sensitive consumer data into the Platform
- Attempt to reverse engineer, decompile, or extract the source code of the Platform
- Resell, sublicense, or provide access to the Platform to third parties without our written consent
- Use the Platform to develop a competing product or service
- Circumvent or interfere with any security feature of the Platform
- Use automated bots, scrapers, or scripts to access the Platform
- Upload or transmit viruses, malware, or any other harmful code
- Impersonate any person or entity or misrepresent your affiliation
Compliance with Mortgage Regulations
You are solely responsible for ensuring your use of the Platform complies with all applicable federal and state mortgage lending laws, including RESPA, TILA, ECOA, FCRA, and applicable state licensing requirements. BrokerOS makes no representations regarding regulatory compliance of any output generated by the Platform.
AI-Generated Content and Outputs
Nature of Outputs
Certain Platform features use artificial intelligence to generate calculations, comparisons, and scenario analyses. These outputs are provided for informational and operational convenience only.
⚠️ AI-generated outputs may contain errors, inaccuracies, or omissions. Do not rely solely on any Platform output for loan decisions, client advice, regulatory compliance, or any other consequential purpose without independent verification.
No Borrower Data
You agree not to enter any consumer or borrower personal identifying information into any Platform tool. All scenario inputs should use hypothetical or anonymized figures only.
Your Responsibility
You are solely responsible for reviewing, verifying, and validating any output generated by the Platform before use. BrokerOS is not liable for decisions made based on Platform outputs.
Intellectual Property
Our Rights
BrokerOS and its licensors own all right, title, and interest in and to the Platform, including all software, content, branding, trademarks, and intellectual property. These Terms do not grant you any ownership rights in the Platform.
Limited License
Subject to your compliance with these Terms and payment of applicable fees, BrokerOS grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your internal business purposes during your subscription term.
Your Content
You retain ownership of any data or content you input into the Platform. By using the Platform, you grant BrokerOS a limited license to process your inputs solely as necessary to provide the service.
Feedback
If you submit feedback or suggestions about the Platform, you grant BrokerOS an unrestricted, perpetual, royalty-free right to use such feedback for any purpose without compensation or attribution.
Privacy
Your use of the Platform is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review it carefully.
Third-Party Services
The Platform integrates with the following third-party services:
- OpenRouter, Inc. — AI model routing (Zero Data Retention enabled)
- Anthropic, PBC — AI language model provider (Claude)
- Supabase, Inc. — Database and authentication infrastructure
- Stripe, Inc. — Payment processing
Your use of those services is subject to their respective terms and policies. BrokerOS is not responsible for the availability, accuracy, or practices of any third-party service.
Disclaimers
Limitation of Liability
Indemnification
You agree to defend, indemnify, and hold harmless BrokerOS LLC and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
- Your use of or access to the Platform
- Your violation of these Terms
- Your violation of any applicable law or regulation
- Any content or data you submit to the Platform
- Your infringement of any third-party right
Term and Termination
Term
These Terms begin on the date you first access the Platform and continue until your subscription is terminated.
Termination by You
You may terminate your account at any time by cancelling your subscription and ceasing use of the Platform.
Termination by Us
We may suspend or terminate your access at any time, with or without notice, if we believe you have violated these Terms, engaged in fraudulent or illegal activity, or for any other reason at our discretion. We will provide reasonable notice where practicable.
Effect of Termination
Upon termination, your license to use the Platform ends immediately. Sections 7, 10, 11, 12, 14, and 15 survive termination.
Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Michigan, without regard to its conflict of law principles.
Any dispute shall first be submitted to informal negotiation by contacting us at support@brokerostools.com. If not resolved within 30 days, disputes shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, in Wolverine Lake, Michigan.
You waive the right to participate in any class action lawsuit or class-wide arbitration against BrokerOS.
General Provisions
- Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and BrokerOS regarding the Platform.
- Modifications: We may update these Terms with at least 30 days' notice of material changes. Continued use after the effective date constitutes acceptance.
- Severability: If any provision is found unenforceable, the remaining provisions remain in full force and effect.
- Waiver: Failure to enforce any provision does not constitute a waiver of our right to enforce it in the future.
- Assignment: You may not assign these Terms without our prior written consent. BrokerOS may assign in connection with a merger, acquisition, or sale of assets.
- No Third-Party Beneficiaries: These Terms do not create any third-party beneficiary rights.
Contact Information
BrokerOS LLC
Email: support@brokerostools.com
Website: brokerostools.com