Terms of Service

1. Parties and Acceptance

These Terms of Service (the “Terms”) are a legally binding agreement between you and Finanzo, LLC, a Washington limited liability company (“Finanzo,” “we,” “our,” or “us”). They govern your access to and use of the Finanzo websites (including finanzo.io and its subdomains), the Finanzo mobile applications for iOS and Android, the professional portals for loan officers, real estate agents, and wholesale lenders, our application programming interfaces, and all related features, content, and services (together, the “Services”).

By creating an account, clicking “I agree,” or otherwise accessing or using the Services, you accept these Terms and our Privacy Policy and Cookie Policy, each of which is incorporated by reference. If you do not agree, do not use the Services.

If you use the Services on behalf of a company, brokerage, lending institution, or other organization, you represent that you have authority to bind that organization, and “you” includes it. Wholesale lender organizations and certain brokerage accounts also sign a separate written agreement (an “Order” or “Lender Services Agreement”); where that agreement conflicts with these Terms, it controls for the organization it covers.

2. Eligibility

To use the Services you must:

• be at least 18 years old and able to form a binding contract. Every registration path requires an explicit confirmation of age and is declined by default without it;
• reside in, and use the Services from, the United States. The Services are designed for U.S. financial and real-estate markets and are not offered to persons located outside the United States;
• not be barred from using the Services under applicable law, including U.S. sanctions and export-control laws (Section 25.6); and
• not have been previously suspended or removed from the Services.

Professional account types carry additional licensing requirements described in Sections 4 and 5. We may decline, suspend, or close any account that does not meet these requirements.

3. The Services

Finanzo is a technology platform serving several audiences in one system. The features available to you depend on your account type and plan.

3.1 For Consumers (homebuyers, homeowners, and household members)

• Link bank and other financial accounts through Plaid and view balances, transactions, cash-flow, net worth, and savings goals
• Search MLS listings, save favorites and searches, request tours, and share listings
• Use mortgage, affordability, and refinance calculators and receive refinance opportunity alerts
• (When enabled) enroll in consumer-permissioned credit monitoring provided by Array (Section 7.2)
• Pair with a licensed loan officer or real estate agent and control what they see
• Invite household members to a shared space
• Ask the consumer AI assistant plain-language questions about your own data

3.2 For Loan Officers

• Customer relationship management: contacts, leads, pipeline, loan scenarios, tasks, notes, documents
• A consent-scoped, revocable view of a paired consumer's derived financial signals (Section 11); never the consumer's Array credit data
• Communications tools: SMS/MMS and voice through Twilio, a power-dialer that places calls from your own phone, campaigns, and connection of your own Gmail or Microsoft 365 mailbox
• Pricing, guideline search, and the AI copilot (Section 9), including connections to lender-hosted systems you authorize
• (When enabled) ordering of tri-merge credit reports under your organization's own credit-vendor subscriber credentials, with the borrower's signed authorization. No live credit-vendor transport is active today; every request fails closed until your organization completes vendor onboarding.

3.3 For Real Estate Agents

• Client tracking with the client's explicit consent
• Directional readiness signals only; never raw financial data
• Listing sharing, tour coordination, and the public agent directory

3.4 For Wholesale Lenders

• Publish program guidelines, rate sheets, and pricing to loan officers on the platform
• Upload guideline documents to the lender knowledge base for AI retrieval
• Register a lender-hosted MCP server that loan officers may connect to with their own credentials
• Receive aggregated, de-identified analytics

3.5 Changes to the Services

We may add, change, or remove features. If a change materially reduces the core functionality of a paid plan, we will give reasonable advance notice and, if you cancel because of it, refund any prepaid fees for the unused portion of your term.

4. Accounts and Account Types

4.1 Registration and Accuracy

You must provide accurate, current, and complete information and keep it updated. You are responsible for all activity under your account and must keep your credentials confidential. Notify us at info@finanzo.io immediately of any unauthorized use.

4.2 Security Features

We offer multi-factor authentication by authenticator app, SMS, and backup codes, a “trusted device” option, and biometric unlock on mobile (the biometric itself never leaves your device). Enrolling a second factor is required for every account before protected data can be accessed, and we may require additional verification at any time.

4.3 Account Types

We offer the following account types. By selecting one you represent that you meet its requirements.

4.3.1 Consumer

Any natural person who meets Section 2. No license is required.

4.3.2 Household Member

A consumer invited into another consumer's shared space. Household members see only the data categories the inviting consumer enables, may be covered by the inviting consumer's Household Seat add-on (Section 8.5), and may leave or be removed at any time. Household members agree to these Terms directly.

4.3.3 Loan Officer

An individual mortgage loan originator who holds an active NMLS registration or license in good standing in every state in which they originate, and the organization that sponsors them. Professional access is granted only after Finanzo verifies your NMLS identifier and license status; payment alone never grants professional access.

4.3.4 Real Estate Agent

An individual who holds an active state real-estate license in good standing and is affiliated with a licensed brokerage. Directory visibility is paused for unverified or lapsed licenses.

4.3.5 Wholesale Lender

An authorized representative of a lending institution. Lender accounts are created by invitation after review and are governed by a Lender Services Agreement in addition to these Terms.

4.3.6 Multiple Roles

One person may hold more than one role. Where roles overlap, the most restrictive applicable obligation applies to each piece of data and each action.

5. Professional User Terms

This Section applies to loan officers, real estate agents, wholesale lenders, and their organizations (“Professional Users”). It is in addition to everything else in these Terms.

5.1 Licensing and Identity

You represent and warrant, on an ongoing basis, that:

• every license, registration, and NMLS identifier you provide is accurate, belongs to you, and is active and in good standing;
• you will update your profile within 10 days of any change in license status, sponsoring company, or contact information;
• you are authorized by your sponsoring company or brokerage to use the Services on its behalf; and
• you will not represent yourself as licensed in a state where you are not.

We may verify licensure against NMLS Consumer Access and state licensing databases and may suspend accounts whose licenses lapse or are revoked.

5.2 Compliance With Lending and Real-Estate Law

You are solely responsible for complying with all laws that apply to your business, including:

• the Truth in Lending Act and Regulation Z, the Real Estate Settlement Procedures Act and Regulation X, the SAFE Act, and state mortgage-licensing and advertising laws;
• the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, and state fair-lending and anti-discrimination laws. You will not use any signal, filter, or output from the Services to discriminate on a prohibited basis, to steer, or to redline;
• the Fair Credit Reporting Act. You will obtain a consumer report only with a permissible purpose and the consumer's written authorization, under your own organization's subscriber agreement, and you are responsible for adverse-action and risk-based-pricing notices;
• the Gramm-Leach-Bliley Act and its Safeguards Rule with respect to nonpublic personal information you receive through the Services;
• for real estate agents, your state's agency, disclosure, and advertising rules, the REALTOR® Code of Ethics where applicable, and the rules of every MLS whose data you access.

5.3 RESPA Section 8

Finanzo charges Professional Users flat subscription fees for software. No fee charged by Finanzo is contingent on, or varies with, the referral of settlement-service business or the closing of any loan or transaction. Finanzo does not pay or accept referral fees. You agree not to use the Services to give or receive any thing of value for the referral of settlement-service business in violation of 12 U.S.C. § 2607, and not to structure co-marketing between loan officers and real estate agents on the platform in a way that violates RESPA.

5.4 Communications You Send (TCPA, CAN-SPAM, state law)

When you send SMS/MMS, place or record calls, run a power-dialer session, or send e-mail through the Services, you are the sender. You represent that, for every recipient, you hold the consent required by the Telephone Consumer Protection Act, the Telemarketing Sales Rule, the CAN-SPAM Act, and state telemarketing, call-recording, and anti-spam laws (including prior express written consent for marketing texts and autodialed or prerecorded calls, and all-party consent to record where required). You will honor opt-outs immediately.

Finanzo screens every outbound SMS and platform-placed call against its internal do-not-contact registry (which includes every STOP reply received), applies quiet-hours deferral, and appends STOP instructions to campaign messages. Finanzo does not query the federal National Do Not Call Registry. You remain solely responsible for national and state DNC scrubbing, for registering your own brand and campaigns where carriers require it, and for the content of every message. Power-dialer calls are placed from your own device using your carrier; Finanzo logs only the queue, outcome, notes, and callback time you enter, and does not record those calls.

5.5 Mailbox Connections

If you connect a Google or Microsoft mailbox, you authorize Finanzo to read message metadata and short previews, to send messages you compose, and (Google) to read calendar availability, using the scopes shown on the provider's consent screen. You represent that you have the right to connect that mailbox and that doing so complies with your employer's policies. You may revoke the connection at any time in Settings or at the provider.

5.6 MLS Data

Listing data is provided by participating MLSs through Repliers and is for display to consumers you are serving. You will not scrape, bulk-download, re-syndicate, or use listing data to build a competing dataset; will preserve listing-brokerage attribution; and will honor each listing's display permissions. Sold and off-market data is shown only to signed-in users as MLS rules require.

5.7 AI Output and Credit Decisions

AI output in the Services is informational. You will not use AI output as the sole or determinative basis for a credit decision, a pricing decision, an eligibility determination, or an adverse action, and you will independently verify any guideline, price, or calculation before relying on it with a consumer. You are responsible for any disclosure obligations that apply when you use AI tools in your own practice, including under Utah, Colorado, and other state AI laws as they come into force.

5.8 Data You Receive

Consumer data you receive through the Services may be used only for the purpose for which the consumer shared it, must be protected at least as well as these Terms and applicable law require, may not be exported or disclosed to third parties except as the consumer directs or law requires, and must be deleted from your other systems when the consumer revokes access or asks you to.

5.9 Wholesale Lender Content

Lenders are responsible for the accuracy and currency of guidelines, rate sheets, pricing parameters, and documents they publish, and for the security and availability of any MCP server they register. Pricing shown to loan officers is informational and is not a rate lock or loan commitment until the lender issues one outside the Services.

6. Not a Lender, Broker, or Consumer Reporting Agency; No Advice

• We do not originate, underwrite, approve, fund, broker, or service loans, and we do not guarantee that you will qualify for any loan, rate, or price.
• We do not list, show, or negotiate the sale of real property.
• We do not assemble or evaluate consumer credit information for the purpose of furnishing consumer reports to third parties. Credit information you choose to view through the consumer credit feature (when enabled) is delivered to you by Array under your own instructions and is never provided to professionals through Finanzo.
• Calculators, estimates, readiness indicators, refinance opportunities, and AI responses are informational tools based on data you or your connected institutions provide and on general market data. They are not offers, pre-approvals, rate quotes, or advice. Actual results depend on your circumstances and on the independent decisions of lenders.
• Loan officers, real estate agents, and lenders on the platform are independent licensed professionals and businesses, not Finanzo employees or agents. Finanzo does not endorse them and is not a party to any transaction between you and them.

6.1 Equal Housing Opportunity

Finanzo supports and complies with the federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate, and we prohibit Professional Users from using the Services to discriminate, on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), familial status, disability, marital status, age (provided the applicant has the capacity to contract), receipt of public assistance, or the good-faith exercise of rights under the Consumer Credit Protection Act.

7. Third-Party Services

The Services rely on third-party providers. Your use of each is also subject to that provider's terms and privacy policy, and we are not responsible for their acts or omissions. Data flows are described in the Privacy Policy.

7.1 Plaid (financial account connections)

Account linking is provided by Plaid Inc. By linking an account you grant Finanzo and Plaid the right, power, and authority to access and transmit your financial-account information from the relevant institution as described in the Plaid End User Privacy Policy. Your institution credentials are entered into Plaid's interface and are never seen or stored by Finanzo. You can disconnect any account at any time; on disconnect or account closure we instruct Plaid to remove the connection. Account data may be delayed, incomplete, or unavailable for some institutions.

7.2 Array (consumer credit monitoring; when enabled)

When this feature is enabled for your account, consumer-permissioned credit scores and reports are delivered by Array US, Inc. directly to you, under your written instructions pursuant to FCRA § 604(a)(2). Finanzo stores only your consent record and an opaque Array user identifier; it never receives, stores, or displays your report body to anyone else. Viewing your own credit this way is a soft inquiry and does not affect your score. You may revoke at any time, after which we instruct Array to delete your profile. This feature is available to consumer accounts only.

7.3 Twilio (SMS and voice)

Account-verification texts, professional SMS/MMS, and platform-placed or forwarded calls are carried by Twilio Inc. Message and data rates may apply. Section 10 contains the messaging program terms.

7.4 Google and Microsoft (mailbox and calendar)

Professional mailbox connections use Google Workspace / Gmail APIs or Microsoft Graph. Finanzo's use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.

7.5 Repliers and participating MLSs (listing data)

Listing content is provided by Repliers Inc. and its participating MLSs and is deemed reliable but not guaranteed. Listing data is for your personal, non-commercial use in identifying properties you may be interested in and may not be copied, redistributed, or retransmitted. Listing brokerage attribution is shown on each listing. Some listings withhold the address or are shown only to signed-in users at the listing brokerage's or MLS's direction.

7.6 Stripe (payments)

Stripe, Inc. is our sole payment processor. Card and billing details are collected by Stripe under the Stripe Services Agreement and Stripe Privacy Policy; Finanzo never stores your full card number.

7.7 Mapbox, hCaptcha, Firebase, and Microsoft Azure

Interactive maps are provided by Mapbox, Inc.; bot protection on sign-in and registration by hCaptcha (Intuition Machines, Inc.); mobile push notifications by Firebase Cloud Messaging (Google) and Apple Push Notification service; hosting, storage, e-mail delivery, and AI model inference by Microsoft Azure.

7.8 Lender-Hosted Systems (MCP)

A loan officer may connect the AI copilot to a wholesale lender's own system that the lender has registered and Finanzo has approved. The connection uses the loan officer's own credentials with that lender, is stored encrypted, and may be revoked by the loan officer at any time. Finanzo acts only as a client of the lender's system and is not responsible for its content, accuracy, or availability.

7.9 Apple App Store and Google Play

If you download the Finanzo app from the Apple App Store, the following also applies. These Terms are between you and Finanzo only, not Apple Inc. (“Apple”). Finanzo, not Apple, is solely responsible for the app and its content. Your license is limited to a non-transferable license to use the app on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the app may be accessed by other accounts associated with you via Family Sharing or volume purchasing. Apple has no obligation to furnish maintenance or support. In the event of any failure of the app to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price (if any) paid for the app; to the maximum extent permitted by law Apple has no other warranty obligation. Finanzo, not Apple, is responsible for addressing any claims relating to the app or your possession or use of it, including product-liability claims, claims that the app fails to conform to legal or regulatory requirements, and claims under consumer-protection, privacy, or similar law. Finanzo, not Apple, is responsible for the investigation, defense, settlement, and discharge of any third-party claim that the app infringes intellectual-property rights. You represent that you are not located in a country subject to a U.S. embargo or designated a “terrorist supporting” country and are not on any U.S. list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You must comply with applicable third-party terms when using the app.

If you download the app from Google Play, you also agree to the Google Play Terms of Service. Subscriptions are not currently sold through either store (Section 8.6).

8. Subscriptions and Billing

8.1 Plans and Pricing

Finanzo offers free and paid plans. Current prices, features, and limits are shown on the pricing page and at checkout, and the price shown at checkout controls. As of the Last Updated date, the consumer Premium plan is $9.99 per month or $79 per year; loan-officer, agent, and brokerage plans are priced per seat as shown at checkout. Prices are in U.S. dollars.

8.2 Payment and Processor

All payments are processed by Stripe (Section 7.6). You authorize us, through Stripe, to charge your payment method for all fees, applicable taxes, and any past-due amounts. If a charge fails we may retry it, suspend paid features after notice, and cancel the subscription if payment is not made.

8.3 Billing Cycle and Automatic Renewal

8.4 Free Trials

Professional plans may include a free trial (currently 7 days, or 14 days for the loan-officer starter plan) when offered at checkout. A trial is available once per organization; cancelling and re-subscribing does not start a new trial. A payment method is required to start a trial, and you will be charged at the end of the trial unless you cancel before it ends. Consumer Premium has no free trial except through a gift or referral code, which carries its own stated duration.

8.5 Household Seat

A consumer Premium subscriber may add household members for a recurring per-seat add-on fee (currently $5 per seat per month) billed with the primary subscription. A seat is active only while the primary subscription is active or trialing; if the primary subscription lapses, household members revert to the free plan. Removing a member stops that seat's charge at the next renewal.

8.6 Where You Pay; In-App Purchases

All subscriptions are purchased and managed on the web at finanzo.io. The mobile apps open your device's browser to complete checkout and do not currently offer in-app purchases. If we later offer subscriptions through Apple's StoreKit or Google Play Billing, those purchases will be billed by Apple or Google under their terms, renewal and cancellation will be managed in your App Store or Google Play account settings, and refunds for those purchases will be handled by Apple or Google under their policies.

8.7 Cancellation

You may cancel at any time from your account's billing settings or by e-mailing info@finanzo.io. Cancellation takes effect at the end of the current billing period; you keep paid features until then and are not charged again. Deleting your account cancels your subscriptions at period end.

8.8 Refunds

Except as required by law or stated in these Terms (Sections 3.5 and 8.9), fees are non-refundable and we do not prorate partial periods. If you believe you were charged in error, contact us within 30 days of the charge and we will review it in good faith.

8.9 Price Changes

We may change prices. We will notify you by e-mail at least 30 days before a price change takes effect for you, and the new price applies at your next renewal after that date. If you do not agree, cancel before the renewal; your continued use after the effective date accepts the new price.

8.10 Taxes

Prices exclude taxes unless stated. You are responsible for all sales, use, value-added, and similar taxes. Washington imposes retail sales tax on digital automated services and remotely accessed software, and other states tax software subscriptions in various ways; where we are required to collect tax it will be shown as a separate line at checkout or on your invoice based on your billing address, and where we are not, you remain responsible for any use tax your state imposes.

8.11 Organization Plans

Seat-based professional plans are billed to the organization. Organization administrators may add or remove seats; seat additions are prorated and seat reductions take effect at the next renewal. Plans purchased under a separate Order or Lender Services Agreement follow that agreement's billing terms where they differ.

9. AI Features

The Services include features powered by large language models: a consumer assistant that answers questions about your own data, a professional copilot that reasons over loans, documents, guidelines, and pricing you attach, and automated document and guideline parsing (together, “AI Features”).

9.1 How AI Features Work

• Model inference runs on Microsoft Azure OpenAI Service in the United States. Under Microsoft's terms, prompts and outputs are not used to train foundation models and are not available to other customers or to OpenAI. Microsoft may retain prompts and outputs for up to 30 days solely to detect abuse of its service unless Finanzo has been approved to turn that monitoring off; the current status is stated in the Privacy Policy.
• Before anything is sent to the model, Finanzo redacts Social Security numbers, account and routing numbers, dates of birth, street numbers, and e-mail addresses, and enforces a context budget. Our audit records capture counts, lengths, and references, never prompt or response text; consumer-assistant conversations are not retained server-side.
• The professional copilot can propose actions (for example, updating a loan field or drafting a message). No proposed action is executed until a human clicks Confirm.
• AI Features are metered and may be limited by plan.

9.2 Your Acknowledgements

• You are interacting with an automated system, not a human. Where state law (including Utah's Artificial Intelligence Policy Act and the Colorado Artificial Intelligence Act when effective) requires disclosure that you are interacting with AI, this Section and the in-product labels provide it.
• AI output may be inaccurate, incomplete, outdated, or biased, and it is not financial, legal, tax, lending, or investment advice. AI Features never issue loan decisions, approvals, rate quotes, or adverse actions.
• You will not input content you do not have the right to share, attempt to extract system prompts, or use AI Features to generate content that violates Section 13.
• Output you receive is yours to use, subject to third-party rights in any source material and to the restrictions in Section 5.7 for Professional Users. Similar output may be generated for other users.

10. SMS, Calls, and E-mail Terms

10.1 Finanzo Account Verification and Alerts (Program)

By providing your mobile number and checking the SMS consent box at registration, enabling SMS multi-factor authentication, or requesting a text code, you consent to receive one-time passcodes and account-security alerts from Finanzo by SMS. Message frequency varies with your activity (typically 1–5 messages per month). Message and data rates may apply. Consent is not a condition of purchase. Reply STOP to cancel and HELP for help, or e-mail info@finanzo.io. If you stop SMS you must use another factor (authenticator app or backup codes) to sign in. Carriers are not liable for delayed or undelivered messages. Your number and opt-in data are not shared with third parties for their marketing.

10.2 Messages and Calls From Professionals Using Finanzo

Loan officers and real estate agents may use Finanzo to text, call, and e-mail their own clients and contacts. Those communications are sent by the professional, not by Finanzo, and the professional is responsible for your consent (Section 5.4). Content may include appointment scheduling, loan and transaction updates, document requests, and rate or listing information, and may include links. Frequency varies. Message and data rates may apply. Reply STOP to any message to stop messages from that professional through Finanzo; your number is added to our do-not-contact registry so no Finanzo-connected sender can text or call it through the platform. Reply HELP for help. Campaign e-mails include a one-click unsubscribe link that never expires.

10.3 Call Recording

Platform-placed calls may be recorded when the professional enables recording. Recording is announced at the start of the call where required. Washington and several other states require the consent of all parties; professionals are responsible for obtaining it. Power-dialer calls placed from the professional's own phone are not recorded by Finanzo.

11. Sharing Between Paired Users

Finanzo lets a consumer pair with a specific loan officer or real estate agent, and invite household members, and choose what each may see. This Section describes the rules of that sharing; the Privacy Policy describes the data.

• Consent is per professional. A grant to one loan officer or agent never extends to another, to their colleagues, or to their organization's other members.
• Scope is chosen by the consumer. For loan officers, the consumer selects which categories of derived financial signals (accounts, balances, transactions, estimated income, debt, goals, spending) are visible. Real estate agents receive directional signals only. Credit information is never shared with any professional.
• Access expires. Unless the consumer selects a different duration, a loan officer or agent pairing expires 90 days after it is accepted and must be renewed by the consumer. Invitations expire after 7 days.
• Revocation is immediate. The consumer may revoke in Data Consent Management at any time. The professional's next request is refused. A professional who removes a consumer may not re-add them for 7 days without a new invitation.
• Every access is logged and the consumer can see who viewed their data.
• Household members see only the categories the inviting consumer enables and may leave or be removed at any time.

Professionals agree that data received under a pairing is subject to Section 5.8.

12. User Content

“User Content” means anything you upload, enter, or send through the Services: documents, notes, messages, reviews, profile text, photos, guideline documents, rate sheets, and AI prompts. You retain ownership of your User Content.

You grant Finanzo a non-exclusive, worldwide, royalty-free, sublicensable (to our service providers) license to host, store, reproduce, process, transmit, display, and create derivative works of (for example, extracting text from a PDF or generating an embedding) your User Content solely to operate, secure, support, and improve the Services and as otherwise permitted by the Privacy Policy. The license ends when your User Content is deleted, except for copies in backups, audit records, and archives we are required or permitted to keep.

You represent that you have all rights needed to submit your User Content and that it does not infringe or violate any third-party right or law. Reviews of professionals must reflect a genuine experience; we may moderate, decline, or remove any review, and professionals may post a public response. We do not pre-screen User Content and are not responsible for it, but we may remove any User Content that we believe violates these Terms.

If you send us feedback or suggestions, we may use them without obligation to you.

13. Acceptable Use

You agree not to, and not to permit anyone else to:

• violate any law, regulation, MLS rule, or third-party right;
• provide false, misleading, or fraudulent information, impersonate anyone, or misrepresent your licensure or affiliation;
• access another user's account or data, or attempt to view data you have not been granted access to, including by manipulating identifiers in requests;
• scrape, crawl, bulk-download, or use bots or automated means to access the Services or listing data, or circumvent rate limits, CAPTCHA, or access controls;
• reverse engineer, decompile, or attempt to derive source code, models, prompts, or embeddings, except to the extent the law prohibits this restriction;
• upload malware, probe or test the vulnerability of any system without authorization, or interfere with the Services (good-faith security research under our security.txt is welcome);
• send unsolicited commercial messages, make calls without required consent, or use the Services to harass, threaten, defame, or discriminate;
• use the Services to build a competing product, resell them, or use listing or lender data outside the purpose for which it was provided;
• use the Services for trigger-lead generation, lead resale, or any purpose prohibited by the Homebuyers Privacy Protection Act;
• use AI Features to generate content that is illegal, deceptive, or intended to make a credit or housing decision on a prohibited basis.

We may investigate violations, preserve and disclose information as described in the Privacy Policy, and suspend or terminate accounts.

14. Intellectual Property

The Services, including software, models, prompts, designs, text, graphics, logos, and the Finanzo name and marks, are owned by Finanzo or its licensors and are protected by copyright, trademark, trade-secret, and other laws. Listing content is owned by the listing brokerages and MLSs; lender content is owned by the lenders.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your personal use (consumer accounts) or your internal business use in your licensed practice (professional accounts). All rights not expressly granted are reserved. You may not use our marks without our prior written permission, remove proprietary notices, or frame the Services.

15. Copyright (DMCA) Notices

We respect intellectual-property rights and respond to notices that comply with the Digital Millennium Copyright Act, 17 U.S.C. § 512. If you believe content on the Services infringes your copyright, send a written notice to our designated agent containing: (1) your physical or electronic signature; (2) identification of the copyrighted work; (3) identification of the infringing material and information reasonably sufficient to locate it; (4) your contact information; (5) a statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law; and (6) a statement, under penalty of perjury, that the notice is accurate and that you are the owner or authorized to act for the owner.

We may remove or disable access to allegedly infringing content, notify the user who posted it, and accept counter-notices that meet § 512(g)(3). We terminate the accounts of repeat infringers in appropriate circumstances.

16. Beta Features

We may offer features labelled beta, preview, early access, or “coming soon” (for example, the lender portal private beta, credit-vendor integrations, and certain AI tools). Beta features are provided for evaluation, may be changed or withdrawn without notice, may contain errors, are excluded from any uptime or support commitment, and are provided “as is” to the fullest extent permitted by law. If a beta feature is covered by a separate agreement, that agreement controls.

17. Termination

17.1 By You

You may close your account at any time in Settings (Privacy & Security → Delete My Account on mobile; Account Settings → Delete Account on web) or by e-mailing info@finanzo.io. On closure we disable sign-in, revoke all pairings and consents, instruct Plaid (and Array, when enabled) to remove your connections, and cancel subscriptions at period end. Data handling after closure is described in the Privacy Policy.

17.2 By Finanzo

We may suspend or terminate your access, with notice where practicable, if you breach these Terms, if your professional license lapses, if required by law or a third-party provider, to address security or fraud, for non-payment, or after an extended period of inactivity on a free plan. We may also discontinue the Services entirely with at least 30 days' notice, refunding any prepaid fees for the unused term.

17.3 Effect

On termination your license ends and you must stop using the Services. Sections 5.8, 6, 12 (as to the surviving license), 14, 18 through 22, and 25 survive.

18. Disclaimers

THE SERVICES, INCLUDING ALL CONTENT, CALCULATIONS, SIGNALS, LISTING DATA, LENDER DATA, AND AI OUTPUT, ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, FINANZO AND ITS LICENSORS AND PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DATA FROM FINANCIAL INSTITUTIONS, MLSs, LENDERS, OR CREDIT PROVIDERS WILL BE ACCURATE, COMPLETE, OR CURRENT, OR THAT ANY PROFESSIONAL ON THE PLATFORM WILL MEET YOUR NEEDS.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you. Nothing in these Terms limits rights that cannot be waived under applicable consumer-protection law, including the Washington Consumer Protection Act.

19. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FINANZO AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, DATA, GOODWILL, OR OPPORTUNITY (INCLUDING A LOAN, RATE, OR PROPERTY NOT OBTAINED), ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE FULLEST EXTENT PERMITTED BY LAW, FINANZO'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID FINANZO IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

These limitations do not apply to liability that cannot be limited by law, including liability for fraud, wilful misconduct, or death or personal injury caused by negligence, and do not limit your non-waivable statutory rights.

20. Indemnification

Professional Users agree to defend, indemnify, and hold harmless Finanzo and its members, managers, officers, employees, and agents from and against all claims, demands, investigations, damages, fines, penalties, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your communications to consumers (including TCPA, TSR, CAN-SPAM, and call-recording claims); (b) your origination, brokerage, or real-estate activities and any claim by a consumer, regulator, or MLS relating to them; (c) your use or disclosure of consumer data received through the Services; (d) your breach of Section 5 or any law; (e) your User Content, guidelines, pricing, or MCP server; and (f) any claim that your use of a mailbox connection or credit vendor was unauthorized.

All users agree to indemnify Finanzo for claims arising from your User Content, your violation of these Terms, or your violation of any third-party right, to the extent permitted by law. We may assume the exclusive defense of any matter subject to indemnification, and you agree to cooperate.

21. Dispute Resolution and Arbitration

21.1 Informal Resolution First

Before starting arbitration or a lawsuit, the party raising a dispute must send the other a written notice describing the dispute and the relief sought. Notices to Finanzo go to info@finanzo.io with the subject “Notice of Dispute,” or by mail to 5614 176th St E, Ste B103, Puyallup, WA 98375. Notices to you go to the e-mail address on your account. The parties will try in good faith to resolve the dispute for 60 days after the notice is received, including by at least one telephone or video conference if either party requests it. Statutes of limitation are tolled during this period. Only after the 60 days may either party begin arbitration or a permitted court action.

21.2 Agreement to Arbitrate

Except as provided in Sections 21.5 and 21.6, you and Finanzo agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with Finanzo, including the validity, scope, or enforceability of this Section, will be resolved by binding arbitration administered by the American Arbitration Association(“AAA”) under its Consumer Arbitration Rules (or, for disputes with Professional Users acting in a business capacity, its Commercial Arbitration Rules) in effect when the arbitration is filed, as modified by this Section. The rules are available at adr.org. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

21.3 Procedure

The arbitration will be conducted by a single neutral arbitrator. For claims of $25,000 or less, either party may elect to proceed on written submissions. Other hearings will take place by video conference or, if an in-person hearing is required, in Pierce County, Washington, or another location reasonably convenient to you. The arbitrator may award any relief a court could award to the individual party, must follow applicable law, and will issue a reasoned written decision. Judgment on the award may be entered in any court with jurisdiction.

21.4 Fees

Filing, administration, and arbitrator fees are allocated under the AAA rules. For consumer claims, if the AAA rules require you to pay a filing fee greater than the cost of filing in court, Finanzo will pay the difference. If the arbitrator finds a claim or defense frivolous or brought for an improper purpose, fees may be reallocated as the rules permit. Each party otherwise bears its own attorneys' fees unless the arbitrator awards them under applicable law.

21.5 Small-Claims Carve-Out

Either party may bring an individual claim in small-claims court in the county of your residence or Pierce County, Washington, if the claim qualifies and remains in that court on an individual basis.

21.6 Other Exceptions

Either party may seek injunctive or other equitable relief in court to protect intellectual-property rights or to stop unauthorized access to or misuse of the Services or its data. Nothing in this Section prevents you from filing a complaint with a federal, state, or local agency, which may seek relief on your behalf.

21.7 Thirty-Day Opt-Out

You may opt out of this arbitration agreement by e-mailing info@finanzo.io with the subject “Arbitration Opt-Out” within 30 days after you first accept these Terms (or, for existing users, within 30 days after the Effective Date of this version). Include your name and the e-mail address on your account. Opting out does not affect any other part of these Terms and does not apply to disputes already subject to an earlier arbitration agreement you did not opt out of.

21.8 Class-Action and Jury-Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND FINANZO EACH AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY-GENERAL, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF MORE THAN ONE PERSON OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING. IF ANY DISPUTE PROCEEDS IN COURT, YOU AND FINANZO EACH WAIVE ANY RIGHT TO A JURY TRIAL. If the class-action waiver is found unenforceable as to a particular claim for public injunctive relief, that claim (and only that claim) will be severed and litigated in court after the individual claims are arbitrated.

21.9 Mass Filings

If 25 or more similar demands are filed by or with the assistance of the same counsel or coordinated group, the parties agree that the AAA's mass arbitration supplementary rules apply and that a bellwether process of up to 10 cases at a time will proceed first, with remaining cases tolled.

21.10 Severability and Survival

If any part of this Section other than the class-action waiver is found unenforceable, the rest remains in effect. This Section survives termination of these Terms and of your account.

22. Governing Law and Venue

These Terms and any dispute arising out of them are governed by the Federal Arbitration Act and, to the extent not preempted, the laws of the State of Washington, without regard to its conflict-of-laws rules. For any matter not subject to arbitration and not brought in small-claims court, you and Finanzo consent to the exclusive jurisdiction and venue of the state courts located in Pierce County, Washington, and the United States District Court for the Western District of Washington, and waive any objection to that venue. Nothing in this Section deprives you of the protection of mandatory consumer-protection laws of your state of residence.

23. Electronic Communications and E-SIGN Consent

By using the Services you consent to receive all communications, agreements, disclosures, notices, receipts, and other records relating to the Services (“Communications”) electronically, by e-mail to the address on your account, by SMS where you have opted in, by push notification, or by posting within the Services or on finanzo.io. Electronic Communications have the same legal effect as paper, and your electronic acceptance (clicking, checking a box, or typing your name) has the same effect as a handwritten signature under the federal Electronic Signatures in Global and National Commerce Act and the Washington Uniform Electronic Transactions Act.

• Hardware and software. You need a device with a current browser or the Finanzo app, an internet connection, a valid e-mail address, and the ability to view and save PDF files. By accepting you confirm you can access Communications in these forms.
• Paper copies. You may request a paper copy of any Communication at info@finanzo.io; we may charge a reasonable fee where permitted.
• Withdrawing consent. You may withdraw consent to electronic Communications by e-mailing us. Because the Services are delivered electronically, withdrawal will result in closure of your account.
• Keeping your address current. You must keep a working e-mail address on file; notices sent to it are effective when sent.

Documents a loan officer sends you through the Services for signature are governed by that professional's own E-SIGN disclosure in addition to this one.

24. Changes to These Terms

We may revise these Terms. For material changes we will give at least 30 days' notice by e-mail and by an in-product notice before the change takes effect, and we will update the Effective Date and version above. Changes that are required by law, that reduce your obligations, or that concern new features may take effect immediately. Changes to the arbitration agreement in Section 21 do not apply to a dispute of which either party has already given notice. If you do not agree to revised Terms, stop using the Services and close your account before the effective date; continued use after that date is acceptance.

25. General Provisions

25.1 Entire Agreement

These Terms, the Privacy Policy, the Cookie Policy, and any Order or Lender Services Agreement are the entire agreement between you and Finanzo about the Services and supersede all prior agreements.

25.2 Severability; Waiver

If any provision is held unenforceable it will be enforced to the maximum extent permitted and the rest remains in effect. Our failure to enforce a provision is not a waiver.

25.3 Assignment

You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets, with notice to you.

25.4 Force Majeure

Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages of third-party providers, internet or carrier failures, acts of government, or natural disasters.

25.5 Notices

Notices to Finanzo must be sent to info@finanzo.io or to Finanzo, LLC, 5614 176th St E, Ste B103, Puyallup, WA 98375. Notices to you are given as described in Section 23.

25.6 Export Control and Sanctions

The Services and software are subject to U.S. export-control and sanctions laws. You represent that you are not located in, under the control of, or a national or resident of any country or region subject to comprehensive U.S. sanctions, and that you are not on the U.S. Treasury Department's Specially Designated Nationals list or any other U.S. government restricted-party list. You will not export, re-export, or transfer the Services or software in violation of these laws.

25.7 No Third-Party Beneficiaries

Except for Apple as provided in Section 7.9 and the indemnified parties in Section 20, these Terms create no third-party beneficiary rights.

25.8 Relationship

You and Finanzo are independent contractors. These Terms do not create a partnership, joint venture, agency, fiduciary, or employment relationship, and no professional on the platform is Finanzo's agent.

25.9 Government Users

The Services are “commercial computer software” and related documentation under FAR 12.212 and DFARS 227.7202 and are licensed to U.S. government users only with the rights granted to all other users.

25.10 Interpretation

Headings are for convenience only. “Including” means “including without limitation.” If a translated version conflicts with the English version, the English version controls.

26. Contact Us

Questions about these Terms, billing, or your account:

Washington residents: the Washington State Department of Financial Institutions regulates lenders and mortgage brokers (not software providers such as Finanzo) and can be reached at dfi.wa.gov. Complaints about a licensed professional you met through Finanzo should be directed to that professional's regulator; we will help you identify it on request.