Terms of Service

1. Acceptance of Terms

By accessing or using QuietCloser ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Who Can Use QuietCloser

QuietCloser is designed exclusively for licensed mortgage brokers and mortgage professionals. By creating an account you represent that:

• You are a licensed mortgage professional in good standing
• You have the legal right to access and process the email communications you connect to QuietCloser
• You will use QuietCloser in compliance with all applicable federal and state laws
• You are at least 18 years of age

3. The Service

QuietCloser provides AI-powered tools including:

• Contact extraction from email communications
• Loan maturity and refinance opportunity alerts
• AI-drafted email replies
• Lender solicitation verification and product extraction
• Automated follow-up and email blast management

4. Your Responsibilities

You agree to:

• Review all AI-generated content before sending to clients or prospects
• Ensure all communications comply with RESPA, TILA, ECOA, fair lending laws, and all applicable regulations
• Maintain your own professional judgment in all client interactions
• Keep your account credentials secure and not share them with unauthorized parties
• Only connect email accounts you have authorization to access
• Comply with all applicable anti-spam laws including CAN-SPAM

5. Compliance Disclaimer

QuietCloser's AI reply assistant is designed to help flag potential compliance issues, but it is not a substitute for legal or compliance advice. QuietCloser does not guarantee that AI-generated content is compliant with all applicable laws and regulations.

You remain solely responsible for your compliance with:

• Real Estate Settlement Procedures Act (RESPA)
• Truth in Lending Act (TILA)
• Equal Credit Opportunity Act (ECOA)
• Fair Housing Act
• State-specific mortgage lending laws
• NMLS requirements and your license terms

6. Email Access and Data

When you connect your email to QuietCloser, you grant us permission to read your email solely for the purpose of providing the Service. You represent that you have the right to grant this access and that doing so does not violate any law or agreement.

You can disconnect your email at any time from your QuietCloser settings.

7. Subscription and Payment

QuietCloser is offered on a subscription basis. By subscribing you agree to pay the applicable fees. Subscriptions auto-renew unless cancelled. You may cancel at any time and your access continues until the end of the current billing period. We do not offer refunds for partial periods.

8. Intellectual Property

The QuietCloser platform, including its design, code, and features, is owned by QuietCloser. You retain ownership of all data you import into QuietCloser, including your contacts and email content.

9. Limitation of Liability

QuietCloser is provided "as is" without warranties of any kind. We are not liable for any damages arising from your use of the Service, including but not limited to compliance violations, lost business, or errors in AI-generated content.

Our total liability to you for any claim shall not exceed the amount you paid for the Service in the three months prior to the claim.

10. Termination

We may terminate or suspend your account if you violate these Terms. You may cancel your account at any time. Upon termination, your data will be deleted within 30 days.

11. Changes to Terms

We may update these Terms from time to time. We will notify you by email of significant changes. Continued use of the Service after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms are governed by the laws of the United States. Any disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.

13. Contact

For questions about these Terms, contact us at: quietcloser.app@gmail.com