Loan Manager Terms of Use
Updated September 9, 2025
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Welcome to LoanManager.app. LoanManager.app is owned and operated by Lending Automator, Inc. ("Lending Automator," "we," "our," or "us"). By accessing or using our website (the "Site") or any of our services (the “Services”), you agree to be bound by these Terms of Use ("Terms"). Please read these Terms carefully before using our services. If you do not agree to these Terms, you may not access or use our Site or Services.
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1. Use of Services: Lending Automator provides software-as-a-service solutions for automating lending processes. You may use our Site and Services only for lawful purposes and in accordance with these Terms.
User Accounts: Some features of the Site and Services may require you to create an account and become a registered user of the Site and Services. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your account, and you agree to accept responsibility for all activities that occur under your account.
THE SITE AND SERVICES ARE OFFERED ONLY TO USERS WHO ARE AT LEAST THE LEGAL AGE OF MAJORITY IN THE JURISDICTION IN WHICH THEY RESIDE OR ARE LOCATED. BY USING THE SITE AND SERVICES, YOU REPRESENT THAT YOU ARE ABLE TO LEGALLY CONTRACT IN THE JURISDICTION IN WHICH YOU ARE LOCATED.
IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF AN ENTITY OR ANY THIRD-PARTY, SUCH AS YOUR EMPLOYER OR A COMPANY YOU WORK FOR OR CONTROL, YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO BIND THAT ENTITY TO THIS AGREEMENT.
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2. Intellectual Property:
a) Site and Services License. Lending Automator grants you a nonexclusive, nontransferable right to use the Site and Services solely in accordance with the related documentation, and solely for your own internal business operations. The Site and Services are licensed, not sold, to you for use only under the Terms of this agreement. Lending Automator reserves all rights in the Site and Services not expressly granted to you under these Terms and retains ownership of Site and Services. The Site and Services may be limited to a specific number of users or licensees, and you agree to abide by these limits and not circumvent any mechanism implemented to prevent additional or unauthorized use or access.
​b) Ownership. The content, features, and functionality of the Site and services are owned by Lending Automator and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Lending Automator and/or its licensors own all right, title and interest, including intellectual property rights, in and to the Site and Services. You acknowledge that these Terms and your use of the Site and Services do not transfer to you (a) any title to any Site or (b) any title to the intellectual property in systems used in the Site and Services or any rights therein other than the limited right to use the Site and Services under the Terms of this agreement. Any suggestions, enhancement requests, feedback, or recommendations that you provide to c) Lending Automator relating to any of its Site and Services or other websites, technologies, businesses or implementation (“Feedback”) are owned exclusively by Lending Automator and you assign to Lending Automator all rights in any suggestions, feedback, or ideas you provide. Lending Automator reserves all rights not expressly granted hereunder.
Lending Automator Trademarks. Lending Automator uses certain trademarks and trade names in connection with the Service or Software. You are not authorized to use any such trademarks for any purpose without prior written consent.
d) Your Trademarks:
i. You may, but are not required to, provide Lending Automator with information regarding your loan programs, underwriting guidelines, document templates, names, logos, trademarks, service marks, and other information we use (collectively, “Marks”) in the operation of our business.
ii. If you provide such information, you grant Lending Automator a non-exclusive, royalty-free, worldwide license to use, reproduce, and display your Marks solely for the purposes of identifying you and your programs to users of the Site or Services, facilitating the collection of documents and other information required to evaluate a loan application, and other uses of the Site or Services.
iii. You acknowledge that if you elect not to provide the foregoing program information and authorization to use your Marks, then your Marks will not be included or made available through the Services.
3. Confidentiality: You agree to maintain the confidentiality of all non-public information provided by Lending Automator, using at least reasonable care, and not to disclose it to third parties or use it for any purpose outside these Terms. Confidentiality obligations do not apply to information that is publicly available, lawfully obtained independently, or disclosed by legal obligation. Lending Automator may seek injunctive relief for unauthorized disclosure.
4. Third Parties: The Site and Services may contain links or other connections to websites, systems, or services operated by third parties. Lending Automator is not responsible for such websites, systems, and services, and has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites, systems, or services. Our inclusion of such links or connections should not be construed as an endorsement of the material on such websites, systems, and services. Your use of the Site or Services to link or connect to another website, system, or service is at your own risk.
5. Third Party Relationships and No Guarantee:
a) You acknowledge and agree that any lenders, brokers, service providers or other third parties ("Third Party" or "Third Parties") represented, displayed, or accessible through the Services are independent third parties and are not controlled by, affiliated with, or endorsed by Lending Automator. Lending Automator’s lender matching functionality is provided solely as a convenience and is based on available information, which may not be complete, current, or accurate.
b) Lending Automator makes no representation, warranty, or guarantee that any Third Party identified through the Services will be able or willing to fund any loan, approve any application, offer any specific terms, or provide any product or service. All credit and lending decisions, including approvals, denials, and funding determinations, are made exclusively by the applicable lender(s) at their sole discretion.
c) You further acknowledge that:
i. Submitting an application through the Services does not constitute a commitment to lend by any lender.
ii. Lending Automator does not review, approve, or make lending decisions or other decisions on behalf of any Third Party in any way.
iii. Any loan terms, conditions, rates, or approvals are determined exclusively by the Third Party(s) and are subject to change at any time without notice.
iv. Lending Automator is not responsible for, and disclaims all liability relating to, the acts, omissions, decisions, or performance of any Third Party.
d) You are solely responsible for conducting your own due diligence before entering into any agreement with a Third Party and for ensuring compliance with all applicable laws, regulations, and lending requirements.
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6. Prohibited Conduct: You agree not to use the Site or the Services to:
a) Violate any applicable law or regulation
b) Reverse engineer, copy, duplicate, or attempt to derive the source code or algorithms of the Services;
c) Infringe the intellectual property rights or other rights of Lending Automator or any third party
d) Transmit any virus, malware, keyloggers, spyware, or other harmful code
e) Interfere with or disrupt the Site or the Services or servers or networks connected to the Site or the Services
f) Engage in any activity that is harmful, threatening, abusive, harassing, defamatory, or unlawful
g) Attempt to gain unauthorized access to any portion of the Site or the Services, including user accounts, or any other accounts, computer systems, or networks connected to the Site or the Services
h) Use any automated means, including without limitation robots, spiders, or scrapers, to access the Site or the Services for any purpose
i) Damage, disable, or impair our services or networks
7. Compliance With Laws: You shall comply with all applicable federal, state, and local laws, rules, and regulations relating to your lending activities, including but not limited to consumer protection laws, fair lending laws, truth-in-lending requirements, data privacy, and data security obligations. You acknowledge and agree that Lending Automator is not responsible for your compliance with such laws and shall have no liability arising from your failure to comply.
8. Data Sharing: Lending Automator will not share your client data with any third party, except as required to operate the Site or Services or as required by law. Notwithstanding the foregoing, Lending Automator may use aggregated or anonymized data derived from your use of the Site or Services for analytical, research, product improvement, and other purposes, provided that such aggregated or anonymized data does not identify you or your clients.
9. Data Retention: Lending Automator maintains a data retention policy consistent with prevailing lending industry standards and regulatory requirements, including but not limited to those established under the Gramm-Leach-Bliley Act (GLBA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), and applicable Consumer Financial Protection Bureau (CFPB) guidelines. Client data will be retained for as long as you remain a paying customer of Lending Automator and thereafter for a period not to exceed ninety (90) days unless necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce agreements. Upon expiration of the applicable retention period, Lending Automator will securely delete or anonymize such data in accordance with industry-standard practices.
10. Data Security; No System of Record:
a) Reasonable Security Measures. Lending Automator will implement and maintain reasonable administrative, technical, and physical safeguards intended to protect the confidentiality, integrity, and availability of data processed through the Site and Services, consistent with general industry practices.
b) No Guarantee. You acknowledge and agree that Lending Automator does not guarantee that unauthorized third parties will never be able to defeat such safeguards or improperly access data, and Lending Automator shall not be responsible for any such unauthorized access, disclosure, loss, or use.
c) Not a System of Record. The Site and Services are not designed or intended to serve as a system of record for you. You are solely responsible for maintaining your own records of loan applications, applicant information, and related documents, and for compliance with all applicable recordkeeping and data retention obligations.
11. Data Breach Notification: In the event Lending Automator becomes aware of a breach of security that results in the unauthorized access to or disclosure of your client data, Lending Automator will use commercially reasonable efforts to notify you without undue delay, consistent with applicable law. Such notice will be delivered to the primary account administrator’s email address on file or by other reasonable means, and may include the nature of the breach, the data reasonably believed to have been accessed, and steps taken to contain and mitigate the breach.
12. Force Majeure: Lending Automator shall not be liable for any delay or failure to perform due to causes beyond its reasonable control, including acts of God, natural disasters, labor disputes, internet or telecommunications failures, governmental actions, or pandemics.
13. Privacy: Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.
14. Disclaimer of Warranty: THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE. LENDING AUTOMATOR MAKES NO WARRANTIES OTHER THAN AS EXPRESSLY PROVIDED HEREIN AND EXPRESSLY DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE TO THE EXTENT PERMITTED BY APPLICABLE LAW. IN PARTICULAR, LENDING AUTOMATOR MAKES NO WARRANTY THAT (A) THE SITE OR SERVICES WILL MEET YOUR REQUIREMENTS; (B) YOUR USE OF THE SITE OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME; OR (C) ANY DEFECTS OR ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED.
15. Limitation of Liability: TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT WILL LENDING AUTOMATOR, ITS AFFILIATES, RESELLERS, PARTNERS AND THEIR RESPECTIVE AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR PERSONAL INJURY OR ANY INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, PROCUREMENT OF SUBSTITUTE GOOD OR SERVICES OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR ABILITY TO USE OR INABILITY TO USE THE SITE OR SERVICES HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF LENDING AUTOMATOR HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IN NO CASE WILL LENDING AUTOMATOR’S TOTAL LIABILITY TO YOU FOR DAMAGES HEREUNDER EXCEED THE AMOUNT PAID BY YOU FOR THE SITE AND SERVICES DURING THE THREE MONTHS PRIOR TO SUCH CLAIM. YOU SPECIFICALLY AGREE THAT THE ALLOCATION OF RISK BY MEANS OF THIS DAMAGES LIMITATION IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND LENDING AUTOMATOR AND THAT THE PRICING OF THE SITE AND SERVICES TAKES THIS LIMITATION INTO ACCOUNT.
16. Indemnification: You shall indemnify, defend, and hold harmless Lending Automator and its officers, directors, employees, contractors, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of:
a) your use of the Services;
b) your data, criteria, or information;
c) your violation of these Terms or applicable law.
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17. Non-Solicitation, Non-Circumvention, and No Replication: During the term of this Agreement and for a period of twenty-four (24) months following its termination, you and your affiliates, employees, contractors, and agents agree that you will not, directly or indirectly:
a) solicit for employment any employee of Lending Automator with whom you had material contact in connection with your use of the Services; provided, however, that nothing in this Agreement shall restrict you from hiring any individual who responds to a general job posting that is not directed specifically at Lending Automator employees;
b) use the Services, documentation, or confidential information of Lending Automator to develop, offer, or provide any software or service that is substantially similar to, or competitive with, the Services;
c) reverse engineer, copy, or otherwise replicate the functionality, design, or user experience of the Services for commercial purposes; or
d) knowingly assist any third party in engaging in any of the conduct described in subsections (a) through (c).
18. Termination: We may terminate or suspend your access to the Site and Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. You may terminate your use of the Site and Services by cancelling your account on the Site or by providing written notice to Lending Automator. Lending Automator will not be required to refund any fees paid by you for use of Site or Services in the event this agreement is terminated by you, or terminated by Lending Automator due to breach of these Terms.
19. Survival: The following provisions shall survive any termination or expiration of this Agreement: Intellectual Property; Confidentiality; Compliance With Laws; Data Security; No System of Record; Force Majeure; Privacy; Disclaimer of Warranty; Limitation of Liability; Indemnification; Non-Compete; Governing Law; No Trial By Jury; Mandatory Arbitration; Entire Agreement; Severability; Notices. Any other provisions of this Agreement which by their nature should survive termination shall also remain in full force and effect.
20. Assignment: You may not assign or transfer this Agreement without the prior written consent of Lending Automator.
21. Independent Contractors: You and Lending Automator are independent contractors; nothing herein shall be construed as creating an agency, partnership, or joint venture.
22. Governing Law: These Terms shall be governed by and construed in accordance with the laws of Delaware, without regard to its conflict of law provisions.
23. No Trial By Jury; Mandatory Arbitration: BY USING THE SITE OR SERVICES, YOU HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVE ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, COUNTERCLAIM, OR CROSS-CLAIM ARISING IN CONNECTION WITH, OUT OF, OR OTHERWISE RELATING TO THE USE OF THE SITE, SERVICES, ANY TRANSACTION ARISING THEREFROM OR RELATED THERETO, OR ANY DISPUTE INVOLVING YOU AND LENDING AUTOMATOR. ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SITE OR SERVICES SHALL BE RESOLVED EXCLUSIVELY THROUGH BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES. THE ARBITRATION SHALL BE CONDUCTED IN CONNECTICUT BEFORE A SINGLE ARBITRATOR. JUDGMENT ON THE ARBITRATION AWARD MAY BE ENTERED IN ANY COURT HAVING JURISDICTION. EACH PARTY SHALL BEAR ITS OWN ATTORNEYS’ FEES AND COSTS, AND THE PARTIES SHALL SHARE EQUALLY THE ARBITRATOR’S FEES AND ADMINISTRATIVE COSTS OF ARBITRATION. NOTWITHSTANDING THE FOREGOING, LENDING AUTOMATOR MAY SEEK INJUNCTIVE OR EQUITABLE RELIEF IN ANY COURT OF COMPETENT JURISDICTION TO PREVENT UNAUTHORIZED USE OR DISCLOSURE OF ITS INTELLECTUAL PROPERTY OR CONFIDENTIAL INFORMATION. FURTHER, EXCEPT AS PROHIBITED BY LAW, USE OF THE SITE OR SERVICES CONSTITUTES YOUR ACKNOWLEDGEMENT AND AGREEMENT THAT THIS SECTION IS A SPECIFIC AND MATERIAL ASPECT OF THIS AGREEMENT AND THAT THE COMPANY WOULD NOT OFFER THE SERVICES IF THIS SECTION WAS NOT A PART OF THIS AGREEMENT.
24. Entire Agreement: This Agreement is the entire agreement between you and Lending Automator regarding the subject matter hereof and supersedes any other communications with respect to the Site and Services, and there are no promises, terms, conditions or obligations, oral or written, express or implied, between you and Lending Automator relating to the subject matter hereof other than those contained herein.
25. Severability: If any provision of this Agreement is held invalid or unenforceable, the remainder of these Terms will continue in full force and effect. Failure by a party to insist upon performance by the other party of any of its obligations under this Agreement will not constitute a waiver of the right to enforce its rights with respect to the same or any other provision.
26. Changes: We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Site or Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you must stop using the Service.
27. Contact Us: If you have any questions about these Terms, please contact us at legal@lendingautomator.com.
28. Notices: All notices to us must be in writing and delivered with confirmation of receipt to legal@lendingautomator.com or to Lending Automator’s business address at 66 Franklin Street, Norwich, CT 06360.