Terms & Conditions

Terms & Conditions

These Terms & Conditions (this "Agreement") govern your access to and use of the services provided by Quanpar LLC, doing business as LoanSmart AI ("we", "our", or "us") through our website, www.getloansmart.ai, mobile applications, and any other online services we offer (collectively, the "Service"). By accessing or using the Service, you agree to these Terms & Conditions. If you do not agree, you must refrain from using the Service.

1. Nature of the Service

1. Nature of the Service

a. General Description

LoanSmart AI is an AI-powered platform that assists mortgage brokers in assessing applicants; financial data against bank guidelines. The platform may offer various services, including (but not limited to):

1. Data collection and analysis for mortgage applicant evaluation.
2. Financial and credit assessments, forecasts, and risk analyses.
3. Integration with third-party services for enhanced capabilities (e.g., credit score
providers, banking APIs).
4. Automation of tasks like generating financial reports, managing documents, and sharing information between brokers and financial institutions.
5. AI-driven insights and trends that assist brokers in matching applicants with appropriate mortgage products.

As our services evolve, additional features or functionalities may be introduced. These Terms & Conditions will apply to all current and future services unless otherwise specified.

b. Additional Services

LoanSmart AI may offer optional premium services ("Additional Services"), which may require separate subscriptions or fees. By subscribing to Additional Services, you agree to additional terms associated with those services, as outlined at the time of purchase.

c. No Legal, Financial, or Tax Advice

The information and assessments provided by LoanSmart AI are for informational purposes only. We do not provide legal, financial, or tax advice. You should consult qualified professionals before relying on the Service to make financial decisions.

d. Communications

2. Account Registration and User Responsibilities

By using the Service, you consent to receive communications from LoanSmart AI and our service providers, including emails, text messages, and push notifications related to your account, updates, promotional offers, or other information. You may opt-out of promotional communications by contacting us at
support@getloansmart.ai.

2. Account Registration and User Responsibilities

By creating an account, you agree to:

  1. Provide accurate, current, and complete information during the registration process.

  2. Maintain and promptly update your information to keep it accurate and complete.

  3. Protect the confidentiality of your login credentials and notify us immediately if you suspect unauthorized use.

You acknowledge that your use of the Service is subject to applicable local, state, and federal laws, and you agree to comply with all such laws while using the Service.



3. Ownership Rights and Licenses


3.Ownership Rights and Licenses

a. Our Intellectual Property

The Service, including all software, code, designs, algorithms, text, images, videos, and trademarks, are the intellectual property of LoanSmart AI. You may use the Sevice only as permitted under this Agreement. Any unauthorized use, copying, modification, distribution, or reverse engineering of our intellectual property is prohibited.

b. User Data

By using the Service, you provide LoanSmart AI with a non-exclusive, perpetual, royalty-free, worldwide license to use, modify, distribute, and display your User Data for the purpose of operating and improving the Service. User Data may include (but is not limited to) financial data, personal information, documents, and other materials uploaded or shared through the Service.

LoanSmart AI is not responsible for the accuracy of User Data or any unauthorized access to or use of User Data by third parties.

4. Use of the Service

4. Use of the Service

You agree to use the Service only for lawful purposes. You may not:

  1. Use the Service for any illegal, fraudulent, or unauthorized activities.

  2. Interfere with or disrupt the security, functionality, or performance of the Service.

  3. Attempt to bypass any security or access controls within the Service.

  4. Copy, modify, or distribute content from the Service without prior written consent.

LoanSmart AI reserves the right to monitor and audit user activity on the platform. We may suspend or terminate access to the Service if we suspect violations of these Terms & Conditions.

5. Data Privacy and Security

5. Data Privacy and Security

Your use of the Service is subject to our Privacy Policy, which outlines how we collect, use, store, and share personal information. We take commercially reasonable steps to protect your data, but we cannot guarantee absolute security. You agree to notify us immediately if you suspect any security breaches or unauthorized access to your account.

6. Subscription and Payment Terms

6. Subscription and Payment Terms

Certain features or services may require a paid subscription. By subscribing, you agree to:

  1. Pay all applicable fees and taxes associated with your subscription.

  2. Comply with any additional terms specific to the paid service.

  3. Automatic renewal of your subscription unless canceled at least one day prior to the next billing cycle.

    You may cancel your subscription by contacting us at support@getloansmart.ai. Cancellations take effect at the end of the current billing cycle, and no refunds
    will be issued for unused services.


7. Limitation of Liability

You may cancel your subscription by contacting us at support@getloansmart.ai. Cancellations take effect at the end of the current billing cycle, and no refunds will be issued for unused services.

7. Limitation of Liability

TO THE EXTENT PERMITTED BY APPLICABLE LAW, LOANSMART AI IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

UNDER NO CIRCUMSTANCES WILL LOANSMART AI BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE SERVICE.

8. Modifications to the Service

LoanSmart AI reserves the right to modify, suspend, or discontinue any part of the Service at any time without notice. We will not be liable to you or any third party for any modification or discontinuation of the Service.

8. Modifications to the Service

LoanSmart AI reserves the right to modify, suspend, or discontinue any part of the Service at

9. Governing Law and Arbitration

This Agreement is governed by the laws of the State of Delaware. All disputes will be resolved by binding arbitration in accordance with the American Arbitration Association (AAA), held in Delaware, unless otherwise agreed. You waive your right to participate in class action lawsuits.

10. Changes to These Terms

We may update these Terms & Conditions at any time. Changes will be effective upon posting to our website. Continued use of the Service after any changes indicates your acceptance of the revised terms.


11. Contact Information

For questions or concerns regarding these Terms & Conditions, please contact us at support@getloansmart.ai.

Last Updated: October 15, 2024

1. Nature of the Service

a. General Description

LoanSmart AI is an AI-powered platform that assists mortgage brokers in assessing applicants; financial data against bank guidelines. The platform may offer various services, including (but not limited to):
1. Data collection and analysis for mortgage applicant evaluation.
2. Financial and credit assessments, forecasts, and risk analyses.
3. Integration with third-party services for enhanced capabilities (e.g., credit score
providers, banking APIs).
4. Automation of tasks like generating financial reports, managing documents, and sharing information between brokers and financial institutions.
5. AI-driven insights and trends that assist brokers in matching applicants with appropriate mortgage products.

As our services evolve, additional features or functionalities may be introduced. These Terms & Conditions will apply to all current and future services unless otherwise specified.

b. Additional Services

LoanSmart AI may offer optional premium services ("Additional Services"), which may require separate subscriptions or fees. By subscribing to Additional Services, you agree to additional terms associated with those services, as outlined at the time of purchase.

c. No Legal, Financial, or Tax Advice

The information and assessments provided by LoanSmart AI are for informational purposes only. We do not provide legal, financial, or tax advice. You should consult qualified professionals before relying on the Service to make financial decisions.

d. Communications

By using the Service, you consent to receive communications from LoanSmart AI and our service providers, including emails, text messages, and push notifications related to your account, updates, promotional offers, or other information. You may opt-out of promotional communications by contacting us at
support@getloansmart.ai.

2. Account Registration and User Responsibilities

By creating an account, you agree to:

  1. Provide accurate, current, and complete information during the registration process.

  2. Maintain and promptly update your information to keep it accurate and complete.

  3. Protect the confidentiality of your login credentials and notify us immediately if you suspect unauthorized use.

You acknowledge that your use of the Service is subject to applicable local, state, and federal laws, and you agree to comply with all such laws while using the Service.


3. Ownership Rights and Licenses

a. Our Intellectual Property

The Service, including all software, code, designs, algorithms, text, images, videos, and trademarks, are the intellectual property of LoanSmart AI. You may use the Sevice only as permitted under this Agreement. Any unauthorized use, copying, modification, distribution, or reverse engineering of our intellectual property is prohibited.

b. User Data

By using the Service, you provide LoanSmart AI with a non-exclusive, perpetual, royalty-free, worldwide license to use, modify, distribute, and display your User Data for the purpose of operating and improving the Service. User Data may include (but is not limited to) financial data, personal information, documents, and other materials uploaded or shared through the Service.

LoanSmart AI is not responsible for the accuracy of User Data or any unauthorized access to or use of User Data by third parties.

4. Use of the Service

You agree to use the Service only for lawful purposes. You may not:

  1. Use the Service for any illegal, fraudulent, or unauthorized activities.

  2. Interfere with or disrupt the security, functionality, or performance of the Service.

  3. Attempt to bypass any security or access controls within the Service.

  4. Copy, modify, or distribute content from the Service without prior written consent.

LoanSmart AI reserves the right to monitor and audit user activity on the platform. We may suspend or terminate access to the Service if we suspect violations of these Terms & Conditions.

5. Data Privacy and Security

Your use of the Service is subject to our Privacy Policy, which outlines how we collect, use, store, and share personal information. We take commercially reasonable steps to protect your data, but we cannot guarantee absolute security. You agree to notify us immediately if you suspect any security breaches or unauthorized access to your account.

6. Subscription and Payment Terms

Certain features or services may require a paid subscription. By subscribing, you agree to:

  1. Pay all applicable fees and taxes associated with your subscription.

  2. Comply with any additional terms specific to the paid service.

  3. Automatic renewal of your subscription unless canceled at least one day prior to the next billing cycle.

You may cancel your subscription by contacting us at support@getloansmart.ai. Cancellations take effect at the end of the current billing cycle, and no refunds will be issued for unused services.

7. Limitation of Liability

TO THE EXTENT PERMITTED BY APPLICABLE LAW, LOANSMART AI IS PROVIDED ON

AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER

EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED

WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND

NON-INFRINGEMENT.

UNDER NO CIRCUMSTANCES WILL LOANSMART AI BE LIABLE FOR INDIRECT,

INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF

THE SERVICE.


8. Modifications to the Service

LoanSmart AI reserves the right to modify, suspend, or discontinue any part of the Service at

any time without notice. We will not be liable to you or any third party for any modification or

discontinuation of the Service.


9. Governing Law and Arbitration

This Agreement is governed by the laws of the State of Delaware. All disputes will be resolved

by binding arbitration in accordance with the American Arbitration Association (AAA), held in

Delaware, unless otherwise agreed. You waive your right to participate in class action lawsuits.


10. Changes to These Terms

We may update these Terms & Conditions at any time. Changes will be effective upon posting

to our website. Continued use of the Service after any changes indicates your acceptance of the

revised terms.


11. Contact Information

For questions or concerns regarding these Terms & Conditions, please contact us at

support@getloansmart.ai.

Last Updated: October 15, 2024

1. Nature of the Service


a. General Description

LoanSmart AI is an AI-powered platform that assists mortgage brokers in assessing applicants; financial data against bank guidelines. The platform may offer various services, including (but not limited to):
1. Data collection and analysis for mortgage applicant evaluation.
2. Financial and credit assessments, forecasts, and risk analyses.
3. Integration with third-party services for enhanced capabilities (e.g., credit score
providers, banking APIs).
4. Automation of tasks like generating financial reports, managing documents, and sharing information between brokers and financial institutions.
5. AI-driven insights and trends that assist brokers in matching applicants with appropriate mortgage products.

As our services evolve, additional features or functionalities may be introduced. These Terms & Conditions will apply to all current and future services unless otherwise specified.

b. Additional Services

LoanSmart AI may offer optional premium services ("Additional Services"), which may require separate subscriptions or fees. By subscribing to Additional Services, you agree to additional terms associated with those services, as outlined at the time of purchase.

c. No Legal, Financial, or Tax Advice

The information and assessments provided by LoanSmart AI are for informational purposes only. We do not provide legal, financial, or tax advice. You should consult qualified professionals before relying on the Service to make financial decisions.

d. Communications

By using the Service, you consent to receive communications from LoanSmart AI and our service providers, including emails, text messages, and push notifications related to your account, updates, promotional offers, or other information. You may opt-out of promotional communications by contacting us at
support@getloansmart.ai.

2. Account Registration and User Responsibilities

By creating an account, you agree to:

  1. Provide accurate, current, and complete information during the registration process.

  2. Maintain and promptly update your information to keep it accurate and complete.

  3. Protect the confidentiality of your login credentials and notify us immediately if you suspect unauthorized use.

You acknowledge that your use of the Service is subject to applicable local, state, and federal laws, and you agree to comply with all such laws while using the Service.


3. Ownership Rights and Licenses


a. Our Intellectual Property

The Service, including all software, code, designs, algorithms, text, images, videos, and trademarks, are the intellectual property of LoanSmart AI. You may use the Sevice only as permitted under this Agreement. Any unauthorized use, copying, modification, distribution, or reverse engineering of our intellectual property is prohibited.

b. User Data

By using the Service, you provide LoanSmart AI with a non-exclusive, perpetual, royalty-free, worldwide license to use, modify, distribute, and display your User Data for the purpose of operating and improving the Service. User Data may include (but is not limited to) financial data, personal information, documents, and other materials uploaded or shared through the Service.

LoanSmart AI is not responsible for the accuracy of User Data or any unauthorized access to or use of User Data by third parties.


4. Use of the Service

You agree to use the Service only for lawful purposes. You may not:

  1. Use the Service for any illegal, fraudulent, or unauthorized activities.

  2. Interfere with or disrupt the security, functionality, or performance of the Service.

  3. Attempt to bypass any security or access controls within the Service.

  4. Copy, modify, or distribute content from the Service without prior written consent.

LoanSmart AI reserves the right to monitor and audit user activity on the platform. We may suspend or terminate access to the Service if we suspect violations of these Terms & Conditions.


5. Data Privacy and Security

Your use of the Service is subject to our Privacy Policy, which outlines how we collect, use, store, and share personal information. We take commercially reasonable steps to protect your data, but we cannot guarantee absolute security. You agree to notify us immediately if you suspect any security breaches or unauthorized access to your account.


6. Subscription and Payment Terms

Certain features or services may require a paid subscription. By subscribing, you agree to:

  1. Pay all applicable fees and taxes associated with your subscription.

  2. Comply with any additional terms specific to the paid service.

  3. Automatic renewal of your subscription unless canceled at least one day prior to the next billing cycle.

You may cancel your subscription by contacting us at support@getloansmart.ai. Cancellations take effect at the end of the current billing cycle, and no refunds will be issued for unused services.

7. Limitation of Liability

TO THE EXTENT PERMITTED BY APPLICABLE LAW, LOANSMART AI IS PROVIDED ON

AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND

NON-INFRINGEMENT.

UNDER NO CIRCUMSTANCES WILL LOANSMART AI BE LIABLE FOR INDIRECT,

INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF

THE SERVICE.


8. Modifications to the Service


LoanSmart AI reserves the right to modify, suspend, or discontinue any part of the Service at

any time without notice. We will not be liable to you or any third party for any modification or

discontinuation of the Service.


9. Governing Law and Arbitration


This Agreement is governed by the laws of the State of Delaware. All disputes will be resolved

by binding arbitration in accordance with the American Arbitration Association (AAA), held in

Delaware, unless otherwise agreed. You waive your right to participate in class action lawsuits.


10. Changes to These Terms

We may update these Terms & Conditions at any time. Changes will be effective upon posting

to our website. Continued use of the Service after any changes indicates your acceptance of the

revised terms.


11. Contact Information


For questions or concerns regarding these Terms & Conditions, please contact us at

support@getloansmart.ai.

Last Updated: October 15, 2024