Who we are
In these terms, "Mortgage Lens," "we," and "us" mean the company that operates Mortgage Lens. "You" means the person using the service.
You can reach us at hello@mortgagelens.ai.
Who can use Mortgage Lens
You must be at least 18 years old and able to enter into a binding contract. Mortgage Lens is built for home loans on property in the United States, and our analysis follows U.S. federal disclosure rules.
What we are and aren't
Mortgage Lens is software. It reads the mortgage documents and answers you give us, runs the math, and writes a plain-English report with questions you can take into your own conversations.
Mortgage Lens is not a lender, a licensed mortgage broker, a mortgage loan originator, a loan officer, or a mortgage advisor in any state. We do not originate, broker, or negotiate loans. We do not contact lenders or anyone else in your transaction on your behalf, and we do not take part in your loan transaction in any way.
We are also not your attorney, financial advisor, real estate professional, or tax preparer. Reports are information to help you make your own decisions. They are not legal, financial, tax, or other professional advice. For guidance on your specific loan, talk to a HUD-approved housing counselor (free; find one at consumerfinance.gov/find-a-housing-counselor), a licensed mortgage professional in your state, or an attorney. Using Mortgage Lens does not create an attorney-client, fiduciary, financial-advisor, or broker-client relationship. Our Disclaimers explain the limits of our reports in more detail.
Your account
Give us accurate information when you create your account, keep your password safe, and don't share your account. You're responsible for activity under your account. If you think someone else has used it, email us right away.
Payments
Reports are one-time purchases. You see the price in U.S. dollars before you pay, and you're charged when you check out. Each purchase covers the report or reports described for that product on our pricing page. A Pilot includes the reports listed for it.
Stripe processes our payments, so we never see or store your full card number. We may change prices for future purchases. A price change never affects something you've already bought.
Refunds
If we can't produce your report, email hello@mortgagelens.ai and we'll refund you in full. That covers cases like a document we can't read, the wrong kind of document, or paperwork that is missing details we need.
A person on our team handles every refund, so please email us. Refunds don't happen on their own. In your email:
- write from the email address on your account (or include it),
- tell us which product you bought and roughly when, and
- tell us what went wrong.
We refund to your original payment method through Stripe. Your bank may take 5 to 10 business days to show it.
If you got a report but think something in it is wrong, email us too. We'll review it, and if we made a mistake we'll fix the report or refund you.
Agent subscriptions
Real estate professionals can subscribe to a monthly plan to create white-labeled Closing Disclosure audits for their clients. These extra terms apply to agent subscriptions.
Plans and limits. Each plan includes a set number of audits per monthly billing period: Solo is $49 a month for 10 audits and Team is $149 a month for 40 audits. One audit covers one client file, and re-running the same audit doesn't use another one. Unused audits don't carry over to the next period. Each subscription is for one user account.
Automatic renewal. Plans are billed monthly in advance and renew automatically each month until you cancel. We charge the payment method on file at the start of each billing period. If a renewal payment fails, you can't run audits until the payment goes through.
Cancel anytime. Cancel in the billing portal ("Manage billing" in your agent dashboard). Cancellation takes effect at the end of your current billing period, and you keep access until then. If you delete your Mortgage Lens account instead, we cancel the subscription right away. We don't give refunds or credits for partial months or unused audits, except where the law requires it.
Price changes. If we change the price of your plan, we'll email you before the new price applies to a renewal, and you can cancel before then.
Sharing with clients. You're responsible for having your client's permission to upload their documents and for how you share reports. Anyone with a report's share link can view it until you turn the link off. Don't change a report's findings or present it as legal, financial, or lending advice.
Acceptable use
When you use Mortgage Lens, you agree not to:
- upload documents you don't have the right to share,
- try to get around payment, sign-in, or access checks, or use someone else's account,
- scrape, overload, or reverse-engineer the service, or run our analysis at scale without our written permission, or
- use the service to harass anyone or to break the law.
Your documents and data
You own the documents and information you give us. You give us permission to store and process them only to provide Mortgage Lens to you, as described in our Privacy Policy. We don't sell your data, share it with lenders, or use it for advertising. We may use de-identified, combined statistics (for example, typical fees for similar loans) to improve our reports.
Keeping and deleting your data
We keep your account, uploaded Loan Estimates and Closing Disclosures, and reports while your account is open, so you can come back to them. We delete a mortgage statement right after we read it. You can delete a report from your dashboard, remove an uploaded document from its workspace before a report uses it, and delete your whole account from Settings. Agent Portal users can delete a client audit from the Agent Portal: choose Delete next to the audit. Our Privacy Policy explains exactly what each option removes.
How reports work
Each report reflects the documents, answers, and market data we had when it ran, and the version of our analysis software at that time (printed in the report footer). We don't go back and change past reports when we improve our analysis, so the original stays as a record of what we produced. For an updated answer, run a new report.
Reports can contain mistakes, especially when a document is hard to read. Check important numbers against your own documents and with your lender before you act on them.
Disclaimer of warranties
Mortgage Lens is provided "as is" and "as available," without warranties of any kind, to the extent the law allows. We don't promise that the service will be uninterrupted or error-free, or that any lender will change a fee or rate because of a report.
Limitation of liability
To the fullest extent the law allows, our total liability for any claim arising out of Mortgage Lens is limited to the amount you paid for the product giving rise to the claim, and we aren't liable for indirect, incidental, or consequential damages. Some states don't allow these limits, so they may not apply to you.
Ending your account
You can delete your account at any time from Settings. We may suspend or close accounts that break these terms or put the service or other people at risk.
Changes to these terms
We may update these terms. If we make a material change, we'll email customers with an active account or subscription before it takes effect and update the date at the top of this page.
Contact
Questions about these terms? Email hello@mortgagelens.ai.