Terms of Service

Last updated: 12/11/2025

Please read these terms carefully before using TheLoanOfficer platform.

Agreement to Terms

These Terms of Service ("Terms") govern your use of TheLoanOfficer platform ("Platform," "Service," or "we") operated by TheLoanOfficer, Inc. ("Company," "us," or "our"). By accessing or using our platform, you agree to be bound by these Terms.

If you do not agree to these Terms, you may not access or use our Service. These Terms apply to all visitors, users, and others who access or use the Service.

Platform Description

Service Overview

TheLoanOfficer is a marketplace platform that connects borrowers with qualified loan officers. We facilitate introductions and provide tools for communication, but we are not a lender, broker, or loan originator.

What We Provide:

  • • Platform for loan listings and matching
  • • Secure communication tools
  • • Verification services for loan officers
  • • Payment processing for subscriptions

What We Don't Provide:

  • • Direct lending services
  • • Loan underwriting or approval
  • • Financial advice or recommendations
  • • Guarantees of loan approval

User Roles and Responsibilities

Borrower Responsibilities

As a borrower using our platform, you agree to:

Required Actions

  • • Provide accurate and complete information
  • • Maintain confidentiality of loan offers
  • • Respond to loan officers in a timely manner
  • • Comply with all applicable laws and regulations
  • • Use the platform for legitimate loan purposes only

Prohibited Actions

  • • Submit false or misleading information
  • • Share loan offers with unauthorized parties
  • • Use the platform for fraudulent purposes
  • • Harass or abuse other users
  • • Violate any terms of service

Loan Officer Responsibilities

As a loan officer using our platform, you agree to:

Required Actions

  • • Maintain valid professional licenses
  • • Provide accurate professional credentials
  • • Comply with all lending regulations
  • • Maintain borrower confidentiality
  • • Respond to inquiries professionally

Prohibited Actions

  • • Misrepresent qualifications or credentials
  • • Engage in discriminatory practices
  • • Share borrower information inappropriately
  • • Violate fair lending laws
  • • Use platform for non-lending activities

Consent and Authorization Framework

Mutual Consent Requirements

Both borrowers and loan officers must provide explicit consent for:

  • • Information Sharing: Exchange of relevant financial and personal information for loan processing
  • • Communication: Direct messaging and communication through our platform
  • • Data Processing: Use of personal information for loan matching and verification
  • • Document Handling: Temporary storage and processing of loan documents
  • • Background Verification: Professional credential verification and background checks

Consent Withdrawal Process

Borrower Rights

  • • Withdraw consent at any time
  • • Request data deletion (subject to legal requirements)
  • • Limit information sharing scope
  • • Opt out of marketing communications

Loan Officer Rights

  • • Withdraw from specific loan applications
  • • Limit borrower access to certain information
  • • Request verification of borrower consent
  • • Maintain professional confidentiality

Consent Documentation

All consent is documented and timestamped. Users can view their consent history in their account settings. We maintain records of consent changes for compliance and audit purposes. Consent must be renewed annually or when terms are updated.

Subscription and Payment Terms

Subscription Tiers

Borrower Subscriptions

  • • Free Tier: Basic listing and messaging
  • • Premium: Enhanced visibility and priority support
  • • Enterprise: Advanced features and dedicated support

Loan Officer Subscriptions

  • • Starter: Limited listings and basic features
  • • Professional: Full access to borrower listings
  • • Premium: Priority access and advanced tools
  • • Corporate: Team management and analytics

Payment Terms

  • • All fees are charged in advance on a recurring basis
  • • Payment methods include credit cards, bank transfers, and digital wallets
  • • Refunds are provided according to our refund policy (see below)
  • • Failed payments may result in service suspension
  • • Price changes will be communicated 30 days in advance

Prohibited Uses

You May Not Use Our Platform To:

  • • Violate any applicable laws or regulations
  • • Transmit or procure any unlawful, harmful, or offensive content
  • • Impersonate any person or entity or misrepresent affiliation
  • • Interfere with or disrupt the platform's operation
  • • Attempt to gain unauthorized access to any part of the platform
  • • Engage in any form of harassment or abuse
  • • Collect or harvest user information without consent
  • • Use automated systems to access the platform
  • • Reverse engineer or attempt to extract source code
  • • Use the platform for any commercial purpose not expressly permitted

AI-Generated Analysis Disclaimer

Important AI Analysis Notice

All calculations and data suggestions are AI-generated estimates for review only. Loan officers must verify all borrower information before use.

  • • AI-generated financial analysis is provided for informational purposes only
  • • All calculations, estimates, and recommendations must be independently verified
  • • Loan officers are solely responsible for validating all borrower information
  • • We do not guarantee the accuracy of AI-generated analysis or recommendations
  • • Users should not rely solely on AI analysis for loan decision-making
  • • Professional judgment and due diligence are always required

Limitation of Liability

Important Legal Notice: TheLoanOfficer is a marketplace platform only. We do not provide lending services, underwrite loans, or guarantee loan approvals.

  • • We are not responsible for loan decisions made by third-party lenders
  • • We do not guarantee the accuracy of information provided by users
  • • We are not liable for any financial losses resulting from loan transactions
  • • Our liability is limited to the amount paid for our services in the 12 months preceding any claim
  • • We are not responsible for disputes between borrowers and loan officers
  • • AI Analysis Limitation: We are not liable for decisions made based on AI-generated analysis

Dispute Resolution

Resolution Process

  1. 1. Direct Communication: Attempt to resolve disputes directly with the other party
  2. 2. Platform Mediation: Request our support team to mediate the dispute
  3. 3. Arbitration: If mediation fails, disputes will be resolved through binding arbitration
  4. 4. Legal Action: As a last resort, legal action may be pursued in accordance with applicable law

Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any legal action must be brought in the courts of New York County, New York.

Termination

Termination Rights

  • • Either party may terminate this agreement at any time with 30 days notice
  • • We may suspend or terminate accounts that violate these Terms
  • • Termination does not affect rights and obligations that accrued before termination
  • • Upon termination, access to the platform will be revoked

Data Retention After Termination

After account termination, we will retain your data according to our Privacy Policy and applicable legal requirements. You may request data deletion, subject to regulatory obligations and legitimate business interests.

Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: legal@theloanofficer.com

Phone: 1-800-LOAN-HELP

Address: TheLoanOfficer Legal Department, 123 Financial District, Suite 100, New York, NY 10004

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