KnowMyLoan — Seat Agreement

1. What KnowMyLoan is (and is not)

KnowMyLoan is a software tool. Your seat provides a branded web page where a borrower can upload a Loan Estimate and receive a plain-language, educational analysis, plus a dashboard, growth tools, and lead capture for borrowers who opt in to hear from you.

• KnowMyLoan is not a lender, mortgage broker, or loan originator. It does not originate loans, take applications, quote or lock rates, negotiate terms, or receive anything of value in exchange for referrals.
• KnowMyLoan does not act as your agent and is not a party to any transaction between you and a borrower.
• What you do with the tool, and all communication with borrowers, is yours and subject to your own licensing, employer, and regulatory obligations.

2. No lead generation; no guarantee of leads or results

• KnowMyLoan does not generate leads for you. It is not a lead-generation service, lead marketplace, or referral network. Any borrower who reaches your page does so through your own marketing, outreach, and audience.
• KnowMyLoan does not guarantee any leads, opt-ins, conversions, loan volume, revenue, or results. Outcomes depend entirely on your own efforts and market conditions.
• Nothing in KnowMyLoan’s marketing, onboarding, or this Agreement is a promise of business results. Examples and statistics are illustrative, not guarantees.

3. How the analysis is produced (methodology and neutrality)

• The analysis is generated solely from: (a) the borrower’s uploaded Loan Estimate and scenario answers, and (b) published mortgage-market data — HMDA data, Optimal Blue Mortgage Market Indices (OBMMI), and pricing adjustments published by Fannie Mae and Freddie Mac.
• The analysis reflects no editorial bias, steering, or undisclosed inputs. It does not favor any lender, product, broker, or outcome, and it is not influenced by payment, advertising, or any party’s commercial interest. Every seat receives identical borrower-facing presentation and functionality.
• The analysis is educational and informational only — not financial, legal, or tax advice, not an offer or commitment to lend, and not a guarantee of any rate, fee, approval, term, or savings.

4. The seat, price, and locked rate

• Your seat is a monthly subscription at the rate shown at checkout, billed to your card on file. Founder seats include a 30-day free trial; the first charge occurs at trial end unless canceled before then. Setup fees, where applicable, are one-time and non-refundable once your page is provisioned.
• Locked rate (grandfathering). If your plan is designated as a locked rate (for example, a Founder seat at $99/seat/month or an early-adopter seat at $199/seat/month), that per-seat rate remains fixed for the life of that seat while it remains continuously subscribed and in good standing. The locked rate does not increase when standard pricing rises. It applies to that seat only, does not transfer, and ends permanently if the seat is canceled or lapses.
• Founder codes are personal, may be revoked before redemption, and are consumed only on completed checkout.

5. Acceptable use, fair use, and overage

• Your seat entitles you to reasonable, good-faith use for your own borrowers, subject to the usage caps disclosed for your plan.
• You may not: resell, share, or sublicense your seat or page; use automated scripts, bots, or bulk methods to generate analyses; submit documents that are not genuine Loan Estimates for real prospective borrowers; use the Service to harass, defraud, or violate any law or any borrower’s rights; or attempt to circumvent usage caps or platform protections.
• Overage and abuse. If usage exceeds your plan’s caps or is abnormal, automated, or abusive, KnowMyLoan may: (a) pause further analyses for the period; (b) after notice to your account email, charge overage at its then-current published per-analysis rate for usage beyond the cap; and/or (c) suspend or terminate the seat for continued or serious abuse. We will make reasonable efforts to notify you before acting, but may act immediately where necessary to protect the platform, borrowers, or costs.

6. Your responsibilities and compliance

• You are solely responsible for your own licensing, NMLS status, employer and regulatory compliance, advertising rules, and all communications with borrowers.
• You represent that the NMLS identifiers and brokerage information you provide are accurate and that you are authorized to use the tool in your role.
• You are responsible for the accuracy of the professional information displayed on your page.

7. Borrower data and privacy

• Borrower information (including uploaded Loan Estimates) is handled under the KnowMyLoan Privacy Policy. Borrower contact details are shared with you only on the borrower’s recorded, affirmative opt-in naming you.
• You agree to handle borrower information you receive lawfully, consistent with the Privacy Policy, your own obligations, and applicable law, and to use it only to respond to the borrower’s request.

8. Term, cancellation, and effect of ending

• You may cancel at any time via the customer portal. Cancellation takes effect at the end of the current billing period; your seat remains active until then. Fees already paid are non-refundable except where required by law.
• On cancellation, termination, or lapse: your page is deactivated, and your locked rate ends permanently. You may export your captured leads from your dashboard before the end of your billing period; afterward, data is retained or deleted per the Privacy Policy’s retention practices.
• KnowMyLoan may suspend or terminate a seat for breach of this Agreement, non-payment (after the payment-retry grace process), or abuse.

9. Disclaimers and limitation of liability

• The Service is provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that any analysis will be accurate or complete.
• To the fullest extent permitted by law, Know My Loan LLC and its members and providers will not be liable for indirect, incidental, special, consequential, or punitive damages, or lost profits, revenue, or business opportunities. Our total liability for all claims under this Agreement will not exceed the amounts you paid us in the twelve (12) months preceding the claim.
• You agree to indemnify Know My Loan LLC against claims arising from your violation of this Agreement, your communications or transactions with borrowers, or your violation of applicable law.

10. General

• Governing law and disputes: the governing-law, arbitration, and class-action provisions of the KnowMyLoan Terms of Use apply to this Agreement.
• Changes: we may update this Agreement with notice to your account email and a new effective date and version number; changes apply prospectively from the stated effective date. Your locked rate is not changed by updates to this Agreement.
• Acceptance records: your acceptance at checkout is recorded with a timestamp and the version number of this Agreement.

11. Contact

Know My Loan LLC — 221 Main St Ste N, Nashua, NH 03060 — support@knowmyloan.com