Terms of Service

Please read these Terms of Service (these "Terms") carefully before using the Platform. These Terms are a legal agreement between you and Ainectra, Inc. ("Company," "we," "us," or "our"). These Terms govern your access to and use of TheLoanOfficer website located at theloanofficer.io, TheLoanOfficer mobile software application (the "App") and all related services, features, content, and functionality (collectively, the "Platform"). These Terms hereby incorporates by this reference any additional terms and conditions posted by Company through the Site, or otherwise made available to you by Company.

1.1 User Types. The Platform serves two types of users:

• (a) Consumers (Borrowers). Individuals who access the Platform to explore loan opportunities and be matched with loan officers ("Consumers").
• (b) Loan Officers (Subscribers). Licensed mortgage loan originators or entities that subscribe to the Platform to receive Consumer matches and access Platform tools ("Subscribers").

Certain provisions of these Terms apply to all users, while others apply only to Consumers or only to Subscribers. Where a provision applies to a specific user type, it is identified as such.

1.2 Relationship to the Subscription Agreement. If you are a Subscriber, your use of the Platform is governed by both these Terms and the separate Subscription Agreement (the "Subscription Agreement"), which governs subscription fees, payment terms, data rights, and the commercial relationship between you and the Company. In the event of a conflict between these Terms and the Subscription Agreement, the Subscription Agreement controls with respect to commercial terms specific to Subscribers. These Terms govern general Platform use, conduct, and the provisions set forth herein that are applicable to all users.

1.3 Changes to Terms. We may change these Terms from time to time without prior notice or by notifying you of such changes by any reasonable means, including by posting a revised Agreement through the Platform. Any such changes will not apply to any dispute between you and us arising prior to the date on which we posted the revised Agreement incorporating such changes, or otherwise notified you of such changes.

Your use of the Platform following any changes to these Terms will constitute your acceptance of such changes. If the modified Terms are not acceptable to you, you must stop using the Platform. The "Last Updated" legend above indicates when these Terms were last changed.

We may, at any time and without liability, modify, suspend, or discontinue all or any part of the Platform. For Consumers, we will use commercially reasonable efforts to provide notice of material changes. For Subscribers, modifications that materially affect Platform functionality or fee terms will be covered by the Subscription Agreement.

1.4 Jurisdictional Issues. The Platform is controlled or operated (or both) from the United States, and is not intended to subject Company to any non-U.S. jurisdiction or law. The Platform may not be appropriate or available for use in some non-U.S. jurisdictions. Any use of the Platform is at your own risk, and you must comply with all applicable laws, rules and regulations in doing so. We may limit the Platform's availability at any time, in whole or in part, to any person, geographic area or jurisdiction that we choose.

2.1 Platform Description. The Platform is a technology-enabled matching service that connects Consumers seeking mortgage loans with licensed loan officers. The Platform's artificial intelligence features are described in Section 2.3.

2.2 Platform Role Disclaimers.

• (a) Company operates the Platform solely as a technology-enabled matching and lead-generation service. Company is not a mortgage broker, mortgage lender, mortgage originator, loan servicer, real estate broker, financial advisor, credit counselor, or consumer reporting agency. Company does not originate, fund, underwrite, process, or service mortgage loans. Company does not make credit decisions. Company's obligations are limited to operating the Platform.
• (b) Any inquiry submitted by a Consumer through the Platform is not a formal loan application as defined under the Equal Credit Opportunity Act, the Truth in Lending Act ("TILA"), the Real Estate Settlement Procedures Act ("RESPA"), or applicable state law. Consumer inquiries are requests to be matched with loan officers who may be able to assist with the Consumer's mortgage needs. Consumers must complete a formal application directly with a Subscriber before the Subscriber may extend any loan offer, commitment, or interest rate lock-in agreement. Nothing provided through the Platform constitutes an offer or promise for a loan commitment or interest rate lock-in agreement.
• (c) The Platform does not access, obtain, or use consumer report information from any consumer reporting agency, as those terms are defined under the Fair Credit Reporting Act ("FCRA"). As part of the inquiry process, Consumers may optionally self-report an estimated credit score range. Such self-reported range does not constitute a consumer report, is passed to matched Subscribers solely as context voluntarily provided by the Consumer, and is used by Company solely to facilitate matching with Subscribers. Company's use of such information does not constitute a permissible purpose under FCRA. Company does not make credit decisions and is not a "user" of consumer reports as defined under FCRA. Consumers should be aware that Subscribers may independently obtain consumer report information in connection with any formal loan application submitted directly to a Subscriber, subject to the Subscriber's own FCRA obligations.
• (d) Company does not guarantee that: (i) any Consumer will be matched with a Subscriber; (ii) any Subscriber will select, respond to, engage with, or close a loan with a Consumer; (iii) any particular loan terms, rates, or products will be available; (iv) information provided by Consumers or Subscribers is accurate, complete, or current; or (v) any particular outcome will result from use of the Platform.
• (e) Company verifies that each Subscriber holds an active NMLS registration at the time of onboarding and periodically thereafter. However, such verification is limited to confirming active registration status as reflected in the NMLS database at the time of each check, and does not constitute an endorsement of, or representation regarding, any Subscriber's qualifications, competence, creditworthiness, suitability, or compliance with any applicable licensing or regulatory requirements beyond such registration. You are solely responsible for evaluating and verifying the qualifications and suitability of any person with whom you interact through the Platform.
• (f) Company does not assume any regulatory obligations, including any notices, disclosures, or compliance requirements, that may be triggered by a Subscriber's receipt of or response to Consumer inquiries or information provided through the Platform. All such obligations are the sole responsibility of the applicable Subscriber.
• (g) If a Consumer proceeds to close a loan with a Subscriber, the Consumer is responsible for all settlement services, closing costs, and related fees. The amount of such fees is determined by the Subscriber and the applicable settlement service providers, not by Company.

2.3 Artificial Intelligence Features.

• (a) The Platform uses artificial intelligence and machine learning technology ("AI Features") for the following purposes: (i) matching Consumers with Subscribers based on Consumer preferences, property information, and Subscriber profiles and criteria; (ii) extracting and summarizing data from documents submitted by Subscribers or Consumers, which may be presented to Consumers for review and correction; and (iii) providing information and analysis to support Subscriber's loan structuring and communications.
• (b) The AI Features are designed to assist with matching and operational efficiency. The AI Features do not: (i) make lending or credit decisions; (ii) underwrite, approve, or deny loan applications; (iii) determine loan terms, rates, or eligibility; (iv) provide financial, legal, or tax advice; or (v) replace the independent judgment of Consumers or Subscribers.
• (c) Output generated by AI Features may be inaccurate, incomplete, or unsuitable for any particular purpose. Consumers who receive extracted document data through the Platform are responsible for reviewing such data for accuracy and notifying Company of any inaccuracies before relying on it. All users are solely responsible for evaluating all results, matches, information, recommendations and other output generated by the AI Features and for any decisions you make in reliance on such output.
• (d) The AI Features are integral to the operation of the Platform. By using the Platform, you acknowledge that automated processing of information you provide, including through AI and machine learning algorithms, is necessary to deliver the matching and operational features of the Platform. If you do not wish your information to be processed in this manner, you should not use the Platform.
• (e) The AI Features may be updated, modified, or discontinued at any time. Company reserves the right to adjust the algorithms, models, or methodologies underlying the AI Features without notice.

2.4 Sharing of Consumer Data with Subscribers. As part of the Platform's core matching function, information provided by Consumers (including name, contact information, loan preferences, property information, and other details submitted through the Platform) will be shared with the Subscriber(s) with whom the Consumer is matched. By submitting information through the Platform, Consumers authorize Company to share such information with matched Subscribers for the purpose of facilitating the matching process and enabling Subscribers to respond to the Consumer's inquiry. The sharing of Consumer information with matched Subscribers is a necessary function of the Platform's matching service and is performed at the Consumer's direction.

Your submission of information through the Platform is governed by our Privacy Policy at https://theloanofficer.io/privacy-policy. These Terms do not contain the full scope of our privacy practices. Please review the Privacy Policy carefully.

3.1 Account Registration and Security. To access certain features of the Platform, you must register for an account. Your user name and password are for your personal use only and should be kept confidential. You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must promptly notify Company at support@theloanofficer.io if you become aware of any unauthorized use of your account or any other breach of security.

3.2 Additional Requirements for Subscribers. Subscribers must provide valid licensing information and maintain active and current licensing status throughout their use of the Platform. Company reserves the right to verify Subscriber licensing information and to suspend or terminate any Subscriber whose licensing information cannot be verified or whose license is no longer in good standing.

4.1 Rules Applicable to All Users. In connection with the Platform, you must not:

• (a) Use the Platform for any illegal purpose or in violation of any applicable law or regulation;
• (b) Post, transmit, or make available any content that is or may be: (i) threatening, harassing, degrading, hateful or intimidating, or otherwise fail to respect the rights and dignity of others; (ii) defamatory, libelous, fraudulent, false, deceptive or otherwise tortious; (iii) obscene, indecent, vulgar, pornographic or otherwise objectionable; (iv) protected by copyright, trademark, trade secret, right of publicity or privacy or any other proprietary right, without the express prior written consent of the applicable owner; (v) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) violates, or encourages any conduct that would violate, any applicable law or regulation; or (vii) promotes illegal or harmful activities.
• (c) Impersonate any person or entity, claim false affiliations, or misrepresent your identity, licensing status, or qualifications;
• (d) Interfere with or disrupt the operation, security, or availability of the Platform or its servers or networks;
• (e) Use any robot, spider, scraper, or other automated means to access, monitor, copy, aggregate, retrieve, index, "scrape," "data mine," extract or otherwise gather any content or data from the Platform without Company's prior written consent, including to (i) directly or indirectly, develop, train, test or improve any software tool, service, machine learning algorithm or artificial intelligence system or platform, including any architecture, models or weights; or (ii) reproduce or circumvent the navigational structure or presentation of the Platform;
• (f) Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or underlying technology of the Platform;
• (g) Remove, alter, or obscure any copyright, trademark, or other proprietary notice on the Platform;
• (h) Transmit viruses, malware, or other harmful code;
• (i) Attempt to gain unauthorized access to any portion of the Platform or any systems or networks connected to the Platform;
• (j) Harvest or collect information about users of the Platform (except that Subscribers may retain and use Consumer information shared with them in accordance with the Subscription Agreement and applicable law);
• (k) Sell, transfer, sublicense, or otherwise make your account or access to the Platform available to any third party; or
• (l) Use or disclose any Company confidential information, except as otherwise explicitly set forth herein.

4.2 Additional Rules for Subscribers. In addition to Section 4.1, Subscribers are subject to the additional restrictions and obligations set forth in the Subscription Agreement, including without limitation those governing communications with Consumers, use of Consumer information, anti-discrimination, regulatory compliance, and non-circumvention of the Platform. In the event of any conflict between this Section 4.2 and the Subscription Agreement, the Subscription Agreement shall control with respect to Subscribers.

4.3 Additional Rules for Consumers. In addition to Section 4.1, Consumers must (a) provide true, accurate, current, and complete information when submitting inquiries or creating an account; and (b) not submit fraudulent, fictitious, or misleading information through the Platform.

5.1 Company's Proprietary Rights. Company and its suppliers own all right, title, and interest in and to the Platform, including all software, algorithms, AI models, content, text, graphics, logos, images, and other materials made available through the Platform (collectively, "Company Content"), and all related intellectual property rights. The Company Content is protected by proprietary rights and laws. Our trade names, trademarks, and service marks include THELOANOFFICER, AINECTRA and any associated logos. You may not use Company Content in connection with any product or service that is not ours, or in any manner that is likely to cause confusion. Nothing contained on the Platform should be construed as granting any right to use any Company Content without our express prior written consent.

5.2 Limited License. Subject to your compliance with these Terms, Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for your personal or internal business purposes as applicable to your user type. This license does not include the right to: (a) modify, copy, distribute, or create derivative works of the Company Content; (b) use the Platform for the benefit of any third party; or (c) use the Company Content in any manner not expressly authorized by these Terms.

The App is licensed (not sold) to end users. Subject to your compliance with these Terms, and solely for so long as you are permitted by Company to use the App, we hereby permit you, on a limited, non-exclusive, revocable, non-transferable, non-sublicensable basis, to install and use the App on a mobile device that you own or control, solely for your personal, non-commercial use. If you fail to comply with any of the terms or conditions of these Terms, you must immediately cease using the App and remove (that is, uninstall and delete) the App from your mobile device.

5.3 User Content. You retain ownership of any content you submit through the Platform ("User Content"). By submitting User Content, you grant Company a worldwide, royalty-free, non-exclusive, transferable, sublicensable license to use, reproduce, process, adapt, display, and distribute such User Content solely as necessary to operate, provide, and improve the Platform. You represent and warrant that you have all rights necessary to grant this license and that your User Content does not violate any applicable law or infringe any third-party rights.

5.4 Feedback. If you provide suggestions, ideas, bug reports, or other feedback regarding the Platform ("Feedback"), you acknowledge and agree that Company may use such Feedback without restriction, attribution, or compensation to you.

The Platform may contain links to third-party websites, services, or content. Company does not control, endorse, or assume responsibility for any third-party content or services, and nothing in these Terms shall be deemed a representation or warranty by Company with respect to any third party or third-party content. Your interactions with third parties found through the Platform, including Subscribers (if you are a Consumer) and Consumers (if you are a Subscriber), are solely between you and such third party, and do not create any legal relationship between you and Company. Company is not responsible for any loss or damage arising from your dealings with any third party.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

You agree to defend, indemnify, and hold harmless the Company Parties from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your breach of these Terms or misuse of the Platform; (b) your violation of these Terms or any applicable law or regulation; (c) your violation of any third-party right, including any intellectual property, privacy, or other proprietary right; or (d) any disputes between you and any other user of the Platform. Subscribers are subject to additional indemnification obligations under the Subscription Agreement.

Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with Company's defense of such claim.

10.1 Termination by Company. Company may suspend or terminate your access to the Platform at any time, with or without notice, for any or no reason, including if Company believes that you have violated these Terms. If you are a Subscriber, any termination of your access to the Platform under this Section 10.1 for cause (including a violation of these Terms) shall be governed by the termination provisions of the Subscription Agreement, and any related billing or refund consequences shall be determined in accordance with that agreement.

10.2 Termination by You. You may terminate your account at any time by contacting Company at support@theloanofficer.io or through the account settings in the Platform. If you are a Subscriber, termination of your account under these Terms does not terminate the Subscription Agreement; the Subscription Agreement has its own termination provisions.

10.3 Effect of Termination. Upon termination or suspension, (a) your right to access and use the Platform immediately ceases; (b) Company may, without liability to you or any third party, immediately deactivate or delete your account and associated data; and (c) Company may continue to store information as required by applicable law. Sections 2.2, 2.3, 5-13 shall survive any expiration or termination of these Terms.

11.1 Applicability. This Section 11 applies to all disputes between you and Company arising out of or relating to these Terms, except that if you are a Subscriber, disputes arising out of or relating to your Subscription or the Subscription Agreement are governed exclusively by the dispute resolution provisions of the Subscription Agreement, and this Section 11 does not apply to such disputes.

11.2 Informal Resolution. Before initiating arbitration, you agree to attempt to resolve any dispute with us informally. You may initiate this process by sending a written Notice of Dispute ("Notice") to us at support@theloanofficer.io. The Notice must describe the nature and basis of the dispute and the relief sought. If the dispute is not resolved within thirty (30) days after the Notice is received, either party may commence arbitration.

11.3 Binding Arbitration.

You and Company agree to arbitrate all disputes and claims arising out of or relating to these Terms or any aspect of the relationship between you and Company. This agreement to arbitrate is broadly interpreted and includes claims based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and claims that arose before these Terms or any prior version. All such disputes shall be resolved through final and binding arbitration before a neutral arbitrator, not in a court by a judge or jury.

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (for Consumers) or Commercial Arbitration Rules (for Subscribers), as applicable and as modified by these Terms. The AAA Rules are available at www.adr.org. The arbitration shall be conducted by a single arbitrator. The seat of arbitration shall be San Francisco, California. The arbitrator will conduct hearings by teleconference or videoconference unless the arbitrator determines that an in-person hearing is appropriate. The arbitrator's decision will be final and binding, and judgment on the arbitration award may be entered in any court of competent jurisdiction.

11.4 Class Action Waiver. YOU AND COMPANY EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief for that party's individual claim(s). If a court determines that any part of this class action waiver is unenforceable as to a particular claim, that claim (and only that claim) must be severed and may proceed in court.

11.5 Jury Trial Waiver. YOU AND COMPANY EACH WAIVE THE RIGHT TO A TRIAL BY JURY.

11.6 Exceptions. Notwithstanding Section 11.3, either party may: (a) bring an individual action in small claims court if the claim qualifies; (b) seek injunctive or equitable relief in any court of competent jurisdiction to protect intellectual property rights or to prevent irreparable harm; or (c) pursue enforcement actions through applicable federal, state, or local agencies.

11.7 Opt-Out. If you are a new Consumer user, you may opt out of this arbitration agreement by sending a written opt-out notice ("Opt-Out Notice") to Company at support@theloanofficer.io within thirty (30) days of the date you first accept these Terms. The Opt-Out Notice must include your name, address, the username and email address associated with your account, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, all other provisions of these Terms remain in effect.

11.8 Severability. If any part of this Section 11 is found to be unenforceable, the remainder of this Section 11 shall remain in effect. If the entirety of this Section 11 is found to be unenforceable, the parties agree that the exclusive jurisdiction and venue provisions in Section 12 shall govern.

These Terms are governed by and construed in accordance with the laws of the State of California and applicable federal law, without regard to conflict of laws principles. If the arbitration agreement in Section 11 is found to be unenforceable or does not apply to a particular claim, you agree to the exclusive jurisdiction of the state and federal courts located in San Francisco County, California, and you waive any objection to jurisdiction or venue in such courts.

13.1 Entire Agreement. These Terms, together with, for Subscribers, the Subscription Agreement, constitute the entire agreement between you and Company regarding your use of the Platform, subject to Section 1.2. These Terms and, where applicable, the Subscription Agreement, supersede all prior agreements, understandings, and communications regarding such subject matter.

13.2 Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

13.3 No Waiver. Company's failure to enforce any provision of these Terms will not constitute a waiver of that provision or any other provision.

13.4 Assignment. You may not assign or transfer these Terms or any rights or obligations under these Terms without our prior written consent. Company may assign, transfer or sublicense any or all of our rights or obligations under these Terms without restriction.

13.5 Relationship of the Parties. These Terms does not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and Company.

13.6 Force Majeure. Company will not be responsible for any failure to fulfill any obligation due to any cause beyond its control.

13.7 Information or Complaints. If you have a question or complaint regarding the Platform, please send an e-mail to support@theloanofficer.io. Please note that e-mail communications will not necessarily be secure; accordingly you should not include credit card information or other sensitive information in your e-mail correspondence with us. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

© 2026 Ainectra, Inc. unless otherwise noted. All rights reserved.

In addition to your agreement with the foregoing terms and conditions, and notwithstanding anything to the contrary herein, the following provisions apply with respect to your use of any version of the App compatible with the iOS operating system of Apple Inc. ("Apple"). Apple is not a party to these Terms and does not own and is not responsible for the App. Apple is not providing any warranty for the App except, if applicable, to refund the purchase price for it. Apple is not responsible for maintenance or other support services for the App and shall not be responsible for any other claims, losses, liabilities, damages, costs or expenses with respect to the App, including any third-party product liability claims, claims that the App fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and claims with respect to intellectual property infringement. Any inquiries or complaints relating to the use of the App, including those pertaining to intellectual property rights, must be directed to Company in accordance with the "Information or Complaints" section above. The license you have been granted herein is limited to a non-transferable license to use the App on an Apple-branded product that runs Apple's iOS operating system and is owned or controlled by you, or as otherwise permitted by the Usage Rules set forth in Apple's App Store Terms of Service, except that the App may also be accessed and used by other accounts associated with you via Apple's Family Sharing or volume purchasing programs. In addition, you must comply with the terms of any third-party agreement applicable to you when using the App, such as your wireless data service agreement. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance of the terms and conditions of these Terms, will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof; notwithstanding the foregoing, Company's right to enter into, rescind or terminate any variation, waiver or settlement under these Terms is not subject to the consent of any third party.