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 bills monthly or yearly, whichever you pick before checkout, at the rate shown for that option. It's charged to your card on file. A yearly seat is billed for twelve months up front at ten times the monthly rate. Your subscription renews automatically at the end of each billing period until you cancel.
• Free trial. When we offer you a free trial, it lasts the number of days shown at checkout and ends on the first charge date shown there. A free trial is for a single seat and is billed monthly only. A card is required at checkout, and nothing is charged that day. The setup fee is waived for a trial seat.
• When a trial ends. We email you a reminder at least 7 days before the first charge date, with that date, the amount we will charge, and how to cancel. If you don't cancel before the first charge date, we charge your card on file the monthly seat rate shown at checkout on that date, and your seat renews automatically each month until you cancel, as described above. If you cancel before the first charge date (by the end of the day before it, Eastern time), you aren't charged, and your seat stays active until the end of the trial and then ends. Section 9 covers how to cancel and what happens when a seat ends.
• Leads during a trial. Leads captured on your page during a trial are handled under Sections 8 and 9 the same way as any other lead, including exporting them from your dashboard before your seat ends.
• One trial per person. Each person may have one free trial, tied to their individual NMLS ID. We may decline a trial, or end it without charge, if it uses someone else’s identity or NMLS ID.
• Locked rate (grandfathering). If your plan is designated as a locked rate (for example, 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. If your seat is billed yearly, its yearly price is set from its locked monthly rate and stays fixed on the same terms. A trial seat designated as a locked rate holds that rate from the day its trial starts. Once its first charge is paid, the locked rate stays fixed for the life of the seat while it remains continuously subscribed and in good standing. If the seat ends before its first charge is paid, the locked rate ends permanently.
• Early adopter seats. While a trial seat is active, it counts toward the first 100 early adopter seats. If it ends before its first charge is paid, its place is released.
• Setup fee refund. A setup fee, where one applies, is a one-time charge. If your seat is billed monthly and you cancel within 30 days of your first payment, we refund the setup fee when your seat ends. The setup fee is non-refundable in every other case.
• Teams. A team pays one setup fee for all of its seats. For a monthly team, we refund it only if you cancel the whole team within 30 days of your first payment. Removing some seats does not qualify.
• Yearly seats. Nothing paid for a yearly seat is refundable, including the setup fee. You may turn off renewal at any time via the customer portal, and the seat stays active until the end of the paid year.
• Refund details. If you cancel and then undo it before your seat ends, you don't qualify for a refund. Refunds go to your original payment method.
• Partner codes. If you join with a partner's code, the partner whose code you used will see your first name, your last initial, how many seats you have, the month you joined, whether your seat is active and whether you pay monthly or yearly.

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.
• Plan limits. Each seat includes up to 200 Loan Estimate analyses per calendar month. Beyond that, after notice to your account email, we may charge overage at $0.50 per analysis. A platform-wide daily limit can also pause analyses until the next day.
• 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 rest of the calendar month; (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 employer 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.

Content you upload. You confirm that you own or have permission to use every headshot, logo, and other file you upload to your page. We handle copyright complaints under the “Copyright and DMCA” section of our Terms of Use. We may remove material that is the subject of a valid notice, and in appropriate circumstances we will terminate the seat of anyone who repeatedly infringes copyright. Except as Section 4 provides, fees already paid are not refunded.

7. Compliance representations and warranties

You represent and warrant, on a continuing basis, that:

• (i) you hold, and will maintain in good standing, all licenses, registrations, and authorizations required for your activities, including any activity conducted using the Service;
• (ii) your contact with any consumer received through the Service will comply with applicable law, including the Telephone Consumer Protection Act and its implementing regulations and all federal, state, and internal Do-Not-Call requirements, and you are solely responsible for scrubbing against all applicable Do-Not-Call lists before placing any outbound call;
• (iii) you are solely responsible for the lawful use, storage, and protection of consumer information you receive through the Service; and
• (iv) you are solely responsible for your own advertising and licensing compliance in all marketing that uses materials made available through the Service, which are provided as editable models only.

8. Borrower data and privacy

• Borrower information (including uploaded Loan Estimates) is handled under the KnowMyLoan Privacy Policy. Borrower information and contact details are shared with you only if the borrower affirmatively consents and opts-in to such sharing through a recorded consent 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.

9. 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. For a yearly seat, that is the end of the paid year. Fees already paid are non-refundable, except for the monthly setup refund in Section 4 and 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 your seat ends; 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.

10. 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.

11. 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 is recorded with a timestamp and the version number of this Agreement.

12. Contact

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