Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern access to and use of lendingflow.com and the LendingFlow lead-generation platform ("Service"), operated by LendingFlow ("LendingFlow," "we," "us," or "our"). By creating an account, completing the onboarding questionnaire, or otherwise using the Service, you ("Customer," "you") agree to be bound by these Terms. If you do not agree, do not use the Service.

2. The Service

LendingFlow provides Customers with leads for prospective borrowers based on the loan types, target states, delivery method, delivery pace, and delivery schedule selected during onboarding. Leads are delivered exclusively to the Customer who purchased the corresponding order, via the Customer's chosen CRM integration or email.

3. Accounts and Onboarding

To use the Service, you must complete our onboarding questionnaire and provide accurate, current, and complete information, including your contact details, loan type preferences, target states, and delivery preferences. You are responsible for keeping this information up to date and for all activity under your account.

4. Orders, Fees, and Payment

• • Lead orders are purchased in advance based on the total number of leads and delivery pace specified during onboarding (e.g., leads per day, not to exceed 50% of the total order).
• • Orders are invoiced by email after your signed order authorization. Fees are due on the invoice due date unless otherwise agreed in writing.

5. Replacement Policy

All sales are final. An approved replacement request receives one free replacement lead, not a cash refund or account credit.

Replacement requests must be submitted through the Client Portal within 7 days of delivery and include details of the issue. Requests submitted after 7 days are not eligible.

A lead is eligible for replacement if: (a) its contact information is invalid, including a disconnected or non-working phone, wrong number, or bounced email; (b) it has not responded after five or more call or email attempts over at least five days, with proof of contact attempts provided if requested; (c) it misstated their information by reporting a FICO score below 660, a loan amount below $200,000, or a different state or loan type than they submitted; or (d) the person denies submitting the request or is not a borrower, such as a broker or vendor.

A lead is not eligible for replacement if the Customer reached the person but the person is not interested, changed their mind, or obtained financing elsewhere, or if the lead does not fit the Customer's own program or underwriting guidelines, including property type, down payment, experience, or liquidity.

Not every lead will become an application. Customers purchase exclusive, real borrower inquiries that meet LendingFlow's criteria, not guaranteed applications or funded loans. LendingFlow reviews each request and has final discretion on approval.

6. Customer Responsibilities

You agree to:

• • Use leads only for legitimate lending and financing purposes
• • Comply with all applicable laws, including those governing telemarketing, calling, texting, email marketing, and consumer lending (e.g., TCPA, CAN-SPAM, and applicable state lending laws)
• • Honor all opt-out requests promptly, including STOP replies to text messages, do-not-call requests, and email unsubscribes, and maintain your own internal do-not-contact list
• • Contact leads only for the purposes consented to at the point of collection, and scrub against applicable do-not-call registries where required
• • Not resell, redistribute, or share leads with third parties without LendingFlow's prior written consent
• • Not misrepresent your identity or business when contacting Leads

7. Intellectual Property

The Service, including its software, design, and content (excluding Lead and Customer data), is owned by LendingFlow and protected by intellectual property laws. You may not copy, modify, or reverse-engineer any part of the Service except as permitted by law.

8. Disclaimers

THE SERVICE AND ALL LEADS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. LENDINGFLOW DOES NOT GUARANTEE THAT ANY LEAD WILL RESULT IN A CLOSED LOAN OR SALE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDINGFLOW WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, ARISING FROM YOUR USE OF THE SERVICE. LENDINGFLOW'S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS WILL NOT EXCEED THE AMOUNT YOU PAID TO LENDINGFLOW IN THE 3 MONTHS PRECEDING THE CLAIM.

10. Termination

LendingFlow may suspend or terminate your access to the Service at any time for violation of these Terms. You may cancel future orders at any time. Orders already placed are final and are not refundable; eligible leads are covered by the Replacement Policy in Section 5.

11. Governing Law and Disputes

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. Any dispute arising out of these Terms will be brought exclusively in the state or federal courts located in Travis County, Texas.

12. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Contact Us

LendingFlow, 600 Congress Ave, Austin, TX 78701, United States. Email: info@lendingflow.com. Website: lendingflow.com.