Terms of Service

1. Agreement to these terms

These Terms of Service govern access to and use of Roboloan, including the public website, lender workspace, borrower portal, and related software services. By creating an account, accepting an invitation, or using the service, you agree to these terms and any written service agreement that applies to your organization.

2. What Roboloan provides

Roboloan provides technology for administering and servicing loans, including borrower records, loan terms, schedules, payment records, allocations, statements, documents, communications, servicing workflows, reporting, and related operational functions.

Roboloan is a software provider and is not a lender, creditor, debt collector, law firm, accounting firm, or financial adviser. Use of the platform does not create a lending relationship between Roboloan and a borrower.

3. Organization responsibility

Organizations using Roboloan are responsible for the loans they own or service, the accuracy and legality of information entered into the platform, the instructions provided to Roboloan, and compliance with laws, regulations, contracts, licenses, notices, disclosures, payment rules, and servicing obligations that apply to their activities.

Users must review material servicing information before relying on it for decisions, notices, statements, payoff amounts, collections activity, reporting, or other actions with legal or financial consequences.

4. Accounts and access

You must provide accurate account information and keep your credentials secure. Organization administrators control invitations, roles, permissions, and access to their workspace. You may not share credentials, impersonate another person, circumvent permissions, or access data you are not authorized to view.

Borrower portal access is limited to information associated with the authenticated borrower account and loans made available by the servicing organization.

5. Data and records

You retain responsibility for data submitted to Roboloan. You grant Roboloan the rights reasonably necessary to host, process, transmit, back up, and display that data to provide, secure, support, and improve the service.

Organizations should maintain any independent books, source documents, or records required by law or their own record-retention policies. Platform records should not be treated as a substitute for professional legal, tax, accounting, or compliance advice.

6. Payments and third-party services

Payment processing, email delivery, document storage, banking connections, and other features may rely on third-party providers. Their separate terms, availability, processing times, fees, and eligibility requirements may apply. Roboloan does not guarantee that a third-party transaction will be approved, settled, reversed, or available at a particular time.

Any convenience, processing, or servicing fee charged to a borrower must be configured and imposed only when permitted by applicable law and the underlying loan documents.

7. Acceptable use

You may not use Roboloan to violate law, facilitate fraud, submit malicious code, interfere with the service, scrape or probe systems without authorization, bypass security controls, misuse another party's data, or engage in abusive or deceptive servicing practices.

8. Availability and changes

We work to keep Roboloan reliable and secure, but the service may occasionally be unavailable because of maintenance, updates, third-party outages, emergencies, or events outside our reasonable control. Features may be added, changed, or retired as the platform evolves. Material changes affecting paid services will be handled in accordance with the applicable service agreement.

9. Intellectual property

Roboloan and its software, interface, branding, documentation, and platform content are owned by Roboloan or its licensors and are protected by applicable intellectual-property laws. These terms provide a limited right to use the service; they do not transfer ownership of the platform.

10. Suspension and termination

Access may be restricted or suspended when reasonably necessary to protect the service, users, data, or third parties; address suspected fraud or security issues; comply with law; or enforce an applicable agreement. Upon termination, access and data handling will be governed by the applicable service agreement, retention requirements, and our Privacy Policy.

11. Disclaimers

Except for commitments expressly stated in a written agreement, Roboloan is provided on an “as available” basis to the fullest extent permitted by law. We do not warrant that calculations, imported data, third-party information, or user-configured workflows will be error-free in every circumstance. Users remain responsible for reviewing outputs that affect borrowers or financial records.

12. Limitation of liability

To the fullest extent permitted by applicable law, liability arising from Roboloan is limited as provided in the written service agreement applicable to the organization. Nothing in these terms limits liability that cannot legally be limited.

13. Privacy

Our Privacy Policy explains how Roboloan handles information associated with the website and platform. An organization using Roboloan may also have its own privacy notices and obligations concerning borrower information.

14. Changes to these terms

We may update these terms as the service or legal requirements change. The effective date above identifies the current version. When required, material changes will be communicated through the service or other appropriate means.

15. Contact

Questions about these terms can be submitted through the Roboloan contact page.