Terms of Service

1. Agreement

By creating an account or using LendShift AI ("LendShift," "Service"), you agree to these Terms of Service. If you do not agree, do not use the Service. These Terms apply to all users, including individual loan officers and branch administrators.

2. Eligibility

You must be a licensed mortgage loan officer or a licensed mortgage brokerage professional operating in your jurisdiction. You represent that you hold all required licenses and registrations including, where applicable, an active NMLS ID. LendShift may suspend or terminate accounts that fail to maintain valid licensing.

3. Subscription and Payment

• Subscriptions are billed monthly in advance through Stripe
• Plan changes (upgrades or downgrades) take effect at the next billing cycle
• There are no refunds for partial subscription periods
• LendShift may change pricing with 30 days notice via email
• Failed payments will result in a grace period of 5 days before account suspension

4. Permitted Use

You may use LendShift to:

• Manage your mortgage pipeline and deal tracking
• Claim and respond to borrower leads in your licensed markets
• Generate AI-assisted marketing content for your own promotional use
• Monitor and reach out to past clients regarding refinance opportunities
• Collect borrower documents through your LendShift portal
• Track performance analytics and financial metrics

5. Prohibited Use

You may not:

• Use the platform in any jurisdiction where you are not licensed
• Misrepresent AI-generated content as independently written disclosures or legally required documents
• Claim leads outside your licensed markets or loan type specialties
• Use LendShift to discriminate against borrowers based on any protected class under the Fair Housing Act or Equal Credit Opportunity Act
• Scrape, reverse-engineer, or attempt to extract LendShift's lead database
• Share your account credentials with unlicensed individuals
• Use AI voice or content features to make false or misleading claims about rates, fees, or loan terms

6. AI-Generated Content

LendShift generates marketing content, follow-up messages, and insights using AI. You acknowledge that:

• All AI-generated content must be reviewed by you before use in client communications
• You are solely responsible for ensuring content complies with RESPA, TILA, Regulation Z, Regulation B, the Fair Housing Act, applicable CFPB guidance, and state-specific advertising rules
• LendShift does not provide legal, compliance, or financial advice
• AI-generated social posts, emails, and SMS drafts are marketing suggestions, not legally reviewed documents
• Rate information displayed is for informational purposes only and may not reflect current market conditions

7. Leads and Borrower Data

LendShift matches borrowers with loan officers based on loan type, geography, and lender specialties. Leads are not exclusive unless purchased as such. LendShift does not guarantee lead quality, conversion rates, or that borrowers will proceed with any loan. Borrower personal data accessed through LendShift may only be used to provide mortgage services to that borrower and must be handled in compliance with applicable privacy laws including Gramm-Leach-Bliley.

8. Data and Privacy

Your use of LendShift is also governed by our Privacy Policy. You retain ownership of the data you upload (pipeline entries, past clients, documents). You grant LendShift a limited license to process that data to provide the Service, including AI model inference and analytics.

9. Intellectual Property

LendShift AI, the Shift brand, the platform interface, AI models, and all underlying technology are owned by LendShift and protected by copyright, trademark, and trade secret law. You may not copy, modify, distribute, or create derivative works from any part of the Service without written permission.

10. Termination

You may cancel your subscription at any time. Access continues until the end of the billing period. LendShift may suspend or terminate your account immediately for violations of these Terms, fraudulent activity, chargebacks, or failure to maintain required licensing. Upon termination, you may export your data for 90 days; after that, data is deleted.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. LENDSHIFT DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT AI-GENERATED CONTENT WILL BE ACCURATE, COMPLETE, OR COMPLIANT WITH ANY REGULATION. USE OF AI FEATURES IS AT YOUR OWN RISK.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LENDSHIFT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO LOST REVENUE, REGULATORY FINES, OR COMPLIANCE VIOLATIONS RESULTING FROM AI-GENERATED CONTENT. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID IN THE 3 MONTHS PRECEDING THE CLAIM.

13. Governing Law

These Terms are governed by the laws of the State of Kansas, without regard to conflict of law principles. Any disputes shall be resolved by binding arbitration under AAA Commercial Arbitration Rules, except that either party may seek injunctive relief in a court of competent jurisdiction.

14. Changes to These Terms

We may update these Terms with 30 days notice via email. Continued use after the effective date constitutes acceptance. If you do not agree to updated Terms, you may cancel before the effective date.

15. Contact

LendShift AI · legal@lendshiftai.com