The fine print

These Terms of Service ("Terms") form a binding agreement between LogicLinks LLC ("LogicLinks," "we," "us," or "our") and the entity or individual ("you," "your," or "Customer") accessing or using our cloud-based mortgage-operations platform (the "Service"). By creating an account, clicking "I agree" on any electronic acceptance surface, or otherwise accessing or using the Service, you agree to these Terms. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity, and "you" and "Customer" refer to that entity.

Your acceptance is a valid electronic signature under the Electronic Signatures in Global and National Commerce Act (ESIGN) and applicable state equivalents.

If you do not agree to these Terms, do not use the Service.

The Service is a software-as-a-service platform for licensed mortgage professionals. It provides tools for lead and contact management, borrower and partner communication, document collection, workflow automation, marketing, e-signature, reporting, and AI-assisted loan-file review and guideline research.

We may modify, add, remove, or discontinue features from time to time. We will not make changes that materially reduce the core functionality you were paying for without reasonable notice.

Beta and preview features. From time to time we may make beta or preview features available to you at no additional charge (for example, features labeled "Beta" or "Preview," or offered to a limited early-access cohort). Beta features are provided AS IS, with no warranties, and we may change, restrict, or discontinue them at any time without notice. Beta features are not subject to any service level or uptime commitment. Feedback on beta features is governed by Section 11.

You are responsible for keeping your account credentials secure and for all activity that occurs under your account. You must provide accurate, current, and complete information when creating or updating your account. You may not share login credentials with anyone outside your organization.

You may invite additional users (loan officers, loan-officer assistants, processors, administrators, or other members of your team). Each authorized user must agree to these Terms before accessing the Service. You are responsible for the acts and omissions of your authorized users.

Multi-factor authentication (MFA) is required for administrator accounts. You will maintain reasonable administrative, physical, and technical safeguards to protect your credentials and any devices used to access the Service.

Adults only. The Service is offered for use by adults acting in a professional capacity. It is not intended for or directed to individuals under the age of eighteen (18). You represent that every user you invite to your account is at least 18 years old.

Free trial. New accounts receive a 30-day free trial of the Pro plan. No payment method is required to start the trial. At the end of the trial, you must add a valid payment method to continue using the Service; access to paid features is suspended otherwise.

Subscription. Paid subscriptions are billed monthly per loan-officer seat at the price shown at checkout ($150/mo per LO as of the effective date above). Fees are quoted and payable in U.S. dollars. Fees are non-refundable except as required by law.

Automatic renewal. Your subscription automatically renews at the end of each billing period at the then-current price until you cancel. You can cancel at any time from your account billing settings; see the Cancellation paragraph below. Where required by any applicable state automatic renewal statute (examples include California's Automatic Renewal Law, New York's Auto-Renewal Notice Act, and equivalents in Illinois, Oregon, Vermont, and the District of Columbia), we will send renewal reminders and price-change notices consistent with those laws. If you disagree with a price change, you may cancel before the new price takes effect.

Payment method. You authorize us (and our payment processor, Stripe, Inc.) to charge your payment method for all amounts due, including recurring subscription fees, seat additions, and applicable taxes. You are responsible for keeping payment method information current.

Failed payments. If a charge fails, we may suspend the Service until the balance is cured. If a bank transfer (ACH) or other payment is returned or reversed after we submit it, we may charge a returned-payment fee of up to $15 on your next invoice, in addition to any fees your bank charges.

Seat changes. Adding a seat mid-cycle prorates the fee to the day. Removing a seat takes effect at the end of the current billing period; we do not issue prorated credits for seat removals.

Cancellation. You may cancel your subscription at any time from your account billing settings. Cancellation takes effect at the end of the current billing period. You retain access through the paid period you have already purchased. We do not issue prorated refunds for cancellations mid-period.

Taxes. Fees are exclusive of taxes. You are responsible for any sales, use, VAT, or similar taxes assessed on your subscription other than taxes based on our net income.

Price changes. We may change subscription pricing on 30 days' notice. New pricing applies to your next renewal after the notice period; existing paid periods are honored at the price you were charged.

No payment card data through the Service. You will not submit, upload, or transmit payment card numbers, CVVs, or other cardholder data through the Service. Subscription payments are collected by our payment processor, Stripe, Inc., which handles cardholder data outside the LogicLinks environment. LogicLinks is not certified under PCI-DSS and does not store cardholder data.

You own all content, records, files, and data you upload, enter, or generate through the Service ("Customer Data"), including borrower loan files, contact records, documents, communications, and configuration. You grant us a worldwide, non-exclusive, royalty-free license to host, copy, process, transmit, and display Customer Data solely to provide, secure, maintain, and improve the Service and as otherwise permitted by these Terms.

You represent and warrant that you have all rights, consents, and authorizations necessary to share Customer Data with us and that your sharing does not violate any third party's rights, applicable law, or any agreement to which you are a party.

AI extraction corrections. When your loan officers correct an AI document extraction (e.g., re-classifying a document type or adjusting an extracted field), we may de-identify that correction and add it to a cross-tenant improvement corpus used to raise extraction accuracy for all LogicLinks customers. Corrections pass through a two-pass PII scrubber and are hand-reviewed before entering the corpus. Raw borrower documents never cross tenant boundaries. Your organization administrator can opt out at /settings/account/ai. See our Privacy Policy for details.

Data on termination. On termination or expiration of your subscription, we will make Customer Data available for export for at least 30 days through the standard export tools in the Service. Exports are provided in industry-standard machine-readable formats (CSV, JSON, and MISMO 3.4 where applicable to loan-file data). After the export window we may permanently delete Customer Data, subject to our record-retention obligations under applicable law (including quarterly MCR / NMLS reporting, CFPB advertising record-keeping, and FCRA-related retention requirements).

State privacy rights. If you or any of your borrowers are subject to any applicable US state comprehensive privacy law (examples include the California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA), the Colorado Privacy Act (CPA), the Virginia Consumer Data Protection Act (VCDPA), and equivalents in Connecticut, Utah, Texas, Oregon, Montana, Tennessee, Indiana, Iowa, Delaware, New Hampshire, New Jersey, Kentucky, Minnesota, Rhode Island, Maryland, and other states as new laws take effect), you may exercise the applicable rights (access, correction, deletion, portability, opt-out of sale or targeted advertising) through your account settings or by emailing info@logiclinks.io. We will act on verifiable requests within the timelines those laws require.

Data Processing Addendum. For customers subject to comprehensive privacy laws or that otherwise require a written data-processing agreement, a Data Processing Addendum (DPA) is available on request that describes the processing, security, and cross-border safeguards LogicLinks provides. Contact info@logiclinks.io to request a DPA.

Access, preservation, and disclosure. We may access, preserve, or disclose Customer Data if we reasonably believe it is required to (i) comply with applicable law, subpoena, warrant, or valid legal process; (ii) enforce these Terms, including investigation of potential violations; (iii) detect, prevent, or address fraud, security, or technical issues; or (iv) protect the rights, property, or safety of LogicLinks, our users, or the public. Where we are legally permitted to do so, we will give you reasonable prior notice of any request for Customer Data so you can seek a protective order or other appropriate remedy.

You will not, and will not permit any user or third party to:

• Use the Service to send unsolicited commercial email, SMS, or voice calls in violation of CAN-SPAM, the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule (TSR), state Do-Not-Call rules, or any other applicable communications law;
• Reverse engineer, decompile, disassemble, or attempt to derive the source code, structure, or underlying models of the Service, except to the extent applicable law prohibits such restriction;
• Use the Service to store or transmit malicious code, phishing content, trafficking material, or content that infringes another party's intellectual property or privacy rights;
• Attempt to gain unauthorized access to the Service, other customers' accounts, or LogicLinks' infrastructure, or probe, scan, or test the vulnerability of the Service without our prior written consent;
• Use the Service to build, train, or improve a competing product or service, or to benchmark the Service for the purpose of publishing comparative results without our prior written consent;
• Resell, rent, lease, sublicense, or make the Service available to any third party except as expressly permitted by these Terms;
• Circumvent usage limits, rate limits, storage limits, or AI spend gates built into the Service;
• Use the Service in any manner that violates applicable law or the rights of any third party.

LogicLinks is not a lender, broker, or credit-decision maker. The Service is software. LogicLinks does not originate, underwrite, fund, or service mortgage loans, and does not provide legal, tax, accounting, compliance, or investment advice. All loan decisions, disclosures, and legally required communications with borrowers are made by you and your wholesale lender or investor.

Licensure warranty. You represent and warrant that you and your authorized users hold all licenses, registrations, and authorizations required to conduct mortgage-related activities in every jurisdiction in which you operate, including any NMLS registration required under the SAFE Act and any state-issued mortgage broker or loan officer license. You will maintain those licenses in good standing during the term of your subscription and will notify us promptly if any is revoked or suspended.

Borrower consent and GLBA / NPI. You acknowledge that Customer Data may include Nonpublic Personal Information ("NPI") as defined by the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations (Regulation P and the FTC Safeguards Rule). You are responsible for providing the required privacy notices to your borrowers, obtaining any consents required under applicable law before uploading or processing NPI through the Service, and honoring borrower opt-out rights. LogicLinks acts as a service provider to you under GLBA; we do not share NPI with third parties for their independent marketing use.

FCRA and credit data. LogicLinks is not a "consumer reporting agency" as defined by the Fair Credit Reporting Act (FCRA). Credit-report data pulled through integrated third-party consumer reporting agencies (e.g., MeridianLink SmartAPI) is provided by those agencies to you as a user of a consumer reporting agency, subject to their own agreements and the FCRA. You are responsible for having a permissible purpose for each pull and for handling credit report information in accordance with the FCRA, Regulation V, and applicable state law.

E-signatures and disclosures. The Service's e-signature feature (LogicSign) is intended for signatures where ESIGN and applicable state Uniform Electronic Transactions Acts permit electronic execution. You are responsible for providing borrowers with any required consumer-consent disclosures under 15 U.S.C. § 7001(c) before using the Service to obtain an electronic signature, and for confirming that a particular record is permitted to be executed electronically. LogicLinks does not warrant that any specific document is eligible for e-signature in any specific jurisdiction.

No HIPAA-regulated data. LogicLinks is not a HIPAA-covered entity or Business Associate. The Service is not intended for the storage or processing of Protected Health Information (PHI) as defined by HIPAA. You will not upload, transmit, or store PHI through the Service. If you inadvertently receive medical or health-related information from a borrower (for example, in connection with a VA disability rating, an ADA accommodation request, or a letter of medical necessity), you are responsible for handling that information consistent with applicable law and, where appropriate, keeping it outside the Service.

The Service enables you to send SMS, email, and voice communications to borrowers, referral partners, and other contacts, in some cases through integrated third-party providers (Twilio for SMS/voice, SendGrid for email). You are solely responsible for compliance with all applicable federal, state, and international laws governing those communications, including the Telephone Consumer Protection Act (TCPA), the Federal Communications Commission's implementing rules, the CAN-SPAM Act, the Telemarketing Sales Rule (TSR), state "mini-TCPA" statutes with private rights of action (including the Florida Telephone Solicitation Act (FTSA), the Oklahoma Telephone Solicitation Act (OTSA), and Washington's CEMA), state Do-Not-Call regulations, and any applicable carrier rules. Some of these statutes impose per-message statutory damages of hundreds to thousands of dollars per violation with private class-action rights, so confirm applicable rules before every campaign.

Consent and opt-out. You represent that you have obtained the required prior express consent (or prior express written consent for regulated marketing calls / texts) from every recipient before sending, and that you honor opt-out requests promptly. The Service provides opt-out handling and consent-log storage as tooling; you are the sender of record and remain responsible for compliance.

10DLC registration. To send Application-to-Person (A2P) SMS through U.S. carriers, you must register your business and campaign under the industry 10DLC framework through the Service's Twilio integration. Unregistered or misregistered traffic may be blocked or surcharged by carriers; those blocks and surcharges are your responsibility.

Pass-through communication costs. SMS, voice, and any other per-message or per-minute costs billed to us by Twilio, SendGrid, or other communications providers may be passed through to you at cost or with a reasonable margin. Fees are disclosed at the point of configuration.

You will indemnify and hold LogicLinks harmless from any claim, penalty, or damages arising from your communications (see Section 16).

The Service includes AI features that read your loan files, documents, and questions and return generated content (collectively, the "AI Features"), including AI Loan File Analysis, AI Guideline Chat, AI Email Assistant, and AI Document Extraction.

Outputs are informational only. AI outputs are software-generated suggestions and reference material. They are NOT legal advice, compliance advice, underwriting decisions, or a substitute for a licensed loan officer's judgment. Even when an output includes a citation to an agency guideline, statute, or other source, LogicLinks does not warrant that the output is accurate, complete, current, or applicable to any specific borrower file. You are responsible for verifying every material AI output against the underlying source, the applicable agency guideline, and your wholesale lender's overlays before relying on it in a live loan file.

Third-party model providers. AI Features are powered by third-party foundation models (currently AWS Bedrock hosting Anthropic Claude models). Your AI usage is subject to the underlying model provider's acceptable-use policy in addition to these Terms. LogicLinks configures its Bedrock account for zero data retention; content you submit to the AI Features is not retained by the model provider.

No training on your data. LogicLinks does not use Customer Data, borrower communications, or AI Feature inputs or outputs to train, fine-tune, or improve any foundation model, our own machine- learning models, or any third-party model. The only exception is the opt-in cross-tenant AI document extraction correction corpus described in Section 5, which is de-identified and hand-reviewed before any use and which your organization administrator can turn off at any time.

Usage limits. AI Features are subject to per-call, per-month, and per-tenant cost or volume caps described in the product. We may adjust these caps to control abuse or Bedrock cost exposure.

No warranty on AI accuracy. To the maximum extent permitted by law, LogicLinks disclaims all warranties regarding AI Feature outputs, including warranties of accuracy, completeness, fitness for a particular purpose, and freedom from error or hallucination. Your use of AI outputs is at your sole risk.

The Service integrates with third-party services (Google, Microsoft 365, Twilio, SendGrid, Stripe, MeridianLink, AWS/Bedrock, and others). Your use of those services is governed by their own terms and privacy policies. We are not responsible for third-party services and do not warrant their availability, security, or behavior. If a third-party service changes, degrades, or is discontinued, related features of the Service may be affected.

You are responsible for any accounts, credentials, licenses, or fees required to use a third-party integration (for example, your own Twilio account, ZeroBounce API key, or consumer-reporting-agency contract). Fees for third-party services are separate from LogicLinks subscription fees unless otherwise stated.

Sub-processors. A current list of the third-party service providers we use to store or process Customer Data on our behalf (our "Sub-processors") is available at logiclinks.io/subprocessors. We will provide reasonable notice before adding a new Sub-processor that processes Customer Data on our behalf so you can object or terminate if a specific Sub-processor is not acceptable to you.

Our IP. LogicLinks and its licensors own all right, title, and interest in and to the Service, including all software, user interfaces, features, workflows, templates, guideline content we author, training corpora, and derivative works thereof. Except for the limited use rights granted by these Terms, no rights are transferred to you. You may not remove or alter any copyright, trademark, or other proprietary notice in the Service.

Your IP. You retain ownership of Customer Data and of any content, templates, or configurations you create in the Service. See Section 5 for the license you grant us to operate the Service on your behalf.

Feedback. If you send us feedback, suggestions, or feature requests (including via the in-app Feedback control), you grant us a perpetual, worldwide, royalty-free license to use, modify, and incorporate that feedback into the Service without obligation to you.

Trademarks. LogicLinks, the LogicLinks logo, LogicSign, and other LogicLinks marks are trademarks of LogicLinks LLC. You may not use those marks except in factual references to the Service (for example, "runs on LogicLinks" or in a case study we approve in writing). You may not represent that you built, own, developed, or resell LogicLinks. All goodwill from any permitted use of our marks accrues to LogicLinks.

DMCA notice and takedown. If you believe content on the Service infringes your copyright, send a written notice under the Digital Millennium Copyright Act (17 U.S.C. § 512) to our designated agent at info@logiclinks.io with the subject line "DMCA Notice." Your notice must include: (i) an electronic or physical signature of the copyright owner or authorized agent; (ii) identification of the copyrighted work claimed to be infringed; (iii) identification of the material claimed to be infringing and its location on the Service; (iv) your contact information; (v) a good-faith statement that use of the material is not authorized; and (vi) a statement made under penalty of perjury that the information is accurate and you are authorized to act on the owner's behalf. We will respond consistent with the DMCA and may remove or disable access to allegedly infringing content and terminate the accounts of repeat infringers.

Each party may receive information about the other that is not generally known and would reasonably be considered confidential ("Confidential Information"). Confidential Information includes non-public technical, business, and product information exchanged between the parties. It does not include information that is (i) publicly available through no breach of these Terms, (ii) already known to the recipient without a confidentiality obligation, (iii) independently developed without reference to the discloser's information, or (iv) rightfully received from a third party without a confidentiality obligation.

The recipient will use Confidential Information only to perform its obligations under these Terms, will protect it with at least the same care it uses for its own confidential information (and no less than reasonable care), and will limit access to personnel and advisors who need it and are bound by confidentiality obligations. This section survives termination for three (3) years, except with respect to trade secrets, which are protected for as long as they remain trade secrets.

Security safeguards. We use commercially reasonable administrative, physical, and technical safeguards to protect Customer Data from unauthorized access, loss, or misuse. Current safeguards include: encryption in transit (TLS 1.2 or later), encryption at rest for stored borrower documents and PII fields (AES-256), least-privilege access controls for our personnel, audited administrative actions, regular vulnerability scanning of our infrastructure, and periodic review of our security controls. These safeguards are designed to satisfy the reasonable-security standards under the GLBA Safeguards Rule (as amended May 2024), the New York SHIELD Act, Massachusetts 201 CMR 17.00, and comparable state data-security laws.

Vendor security reviews. On reasonable request, and no more than once per twelve- month period unless a security incident warrants otherwise, we will provide summary documentation of our security controls (such as an available third-party attestation, security questionnaire responses, and current policy summaries) to help you meet your own vendor risk-management obligations, including under 23 NYCRR Part 500 (the NY DFS Cybersecurity Regulation) where applicable to you. We are not obligated to disclose confidential third-party information or documentation that would compromise the security of the Service.

Security incident notification. If we become aware of a security incident that materially affects the confidentiality, integrity, or availability of your Customer Data, we will notify you without undue delay and no later than seventy-two (72) hours after we confirm the incident where the underlying event triggers a notification obligation under applicable law (including the GLBA Safeguards Rule as amended in May 2024 and applicable state data-breach notification laws). Our notice will describe what we know about the incident and the remediation steps we are taking. We will cooperate reasonably as you meet any downstream notification obligations to your borrowers or regulators.

Your safeguards. You are responsible for maintaining the security of your account credentials, devices, and networks used to access the Service, and for promptly notifying us if you suspect unauthorized access to your account. See Section 3 for related obligations.

Data residency. Customer Data is stored and processed in the United States, currently in Amazon Web Services (AWS) US-East-1 (Northern Virginia). We may move data among AWS US regions for reliability, backups, or disaster recovery, but we do not store Customer Data outside the United States without your prior written consent.

We will provide the Service with reasonable skill and care and consistent with generally accepted industry practices for similar cloud services.

EXCEPT AS EXPRESSLY STATED IN THESE TERMS, THE SERVICE AND ALL OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND FREEDOM FROM ERROR OR INTERRUPTION. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, SECURE AGAINST EVERY POSSIBLE ATTACK, OR THAT ANY PARTICULAR AI OUTPUT WILL BE ACCURATE OR COMPLETE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE UNDER OR IN CONNECTION WITH THESE TERMS FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA, OR COST OF SUBSTITUTE GOODS OR SERVICES, EVEN IF THE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY UNDER OR IN CONNECTION WITH THESE TERMS WILL NOT EXCEED THE AMOUNTS YOU ACTUALLY PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

The limitations in this Section 15 do not apply to (a) your obligation to pay fees; (b) either party's breach of the confidentiality obligations in Section 12; (c) your indemnification obligations under Section 16; or (d) liability that cannot be limited under applicable law.

You will defend, indemnify, and hold harmless LogicLinks, its affiliates, officers, employees, and agents from and against any third-party claim, action, or demand and any related liabilities, damages, penalties, fines, settlements, costs, and reasonable attorneys' fees arising out of or relating to (a) Customer Data, including any allegation that your storage, processing, or transmission of Customer Data violates a third party's rights or applicable law; (b) your use of the Service in violation of these Terms; (c) any communication (SMS, email, or voice) you send through the Service, including any TCPA, CAN-SPAM, TSR, DNC, or state equivalent claim; (d) your violation of any mortgage licensing, GLBA, FCRA, ESIGN, or other applicable law; or (e) any content or activity of your authorized users.

We will promptly notify you of a claim subject to indemnification and provide reasonable cooperation at your expense. You may not settle any claim without our prior written consent if the settlement admits fault on our behalf or imposes any non-monetary obligation on us.

We may suspend or terminate your access to the Service, in whole or in part, if (a) you materially breach these Terms and fail to cure within ten (10) days after we notify you of the breach; (b) any payment is more than ten (10) days overdue; (c) your use poses a security, legal, or reputational risk to us or another user; or (d) required by law or a governmental authority. We will use commercially reasonable efforts to give notice before suspending unless urgent action is required.

You may terminate your subscription at any time by canceling from your account settings. Sections that by their nature should survive termination (including 5 (retention), 11 (IP), 12 (confidentiality), 13 (security), 14 (disclaimers), 15 (limitation of liability), 16 (indemnification), 18 (dispute resolution), and 19 (governing law)) will survive.

Please read this section carefully. It requires you to resolve disputes with LogicLinks through binding arbitration on an individual basis, and it waives your right to participate in a class action or class-wide arbitration.

Informal resolution. Before filing a claim, you agree to try to resolve the dispute informally by sending us a written notice describing the claim to info@logiclinks.io. The parties will attempt to resolve the dispute for at least sixty (60) days after the notice.

Binding arbitration. If the dispute is not resolved informally, either party may initiate binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and, where applicable, its Consumer Arbitration Rules. The arbitration will be conducted in Colorado Springs, Colorado (or by video conference if both parties agree), by a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver. YOU AND LOGICLINKS AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN THAT PARTY'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both parties agree otherwise, the arbitrator may not consolidate more than one party's claims and may not preside over any form of representative or class proceeding.

Exceptions. Nothing in this section prevents either party from (i) seeking injunctive or equitable relief in court to protect intellectual property rights or Confidential Information, or (ii) bringing an individual claim in small-claims court where jurisdiction and venue rules permit.

Public injunctive relief. If a claim for public injunctive relief is asserted under a state statute that does not permit its waiver (including under California's rule in McGill v. Citibank, N.A.), that specific claim may be brought in a court of competent jurisdiction while all other claims proceed in arbitration. This carve-out exists solely to preserve enforceability of this section; it is not intended to expand the scope of remedies otherwise available.

Time to file. Any claim arising out of or relating to these Terms or the Service must be filed within one (1) year after the cause of action arises; otherwise, the claim is permanently barred.

Attorney fees. In any arbitration or court proceeding to enforce or interpret these Terms, the prevailing party is entitled to recover reasonable attorney fees and costs, to the extent permitted by applicable law. Where a state limits or voids one-sided fee-shifting provisions, this paragraph is enforced only to the extent permitted by that state's law.

These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-laws principles. Subject to the arbitration provisions in Section 18, the state and federal courts serving El Paso County, Colorado (including the U.S. District Court for the District of Colorado) have exclusive jurisdiction over any dispute not subject to arbitration, and both parties consent to personal jurisdiction and venue in those courts.

Entire agreement and order of precedence. These Terms, together with our Privacy Policy, any Data Processing Addendum you have executed with us, and any written order form or in-product acceptance you complete, constitute the entire agreement between you and LogicLinks regarding the Service, and supersede all prior or contemporaneous agreements, proposals, or representations on the subject. In the event of a conflict between documents: (1) a signed order form controls over (2) these Terms, which control over (3) any policies or addenda linked from these Terms, which control over (4) any product documentation.

Publicity. LogicLinks may identify you as a customer by company name and logo on our marketing materials, website, and pitch decks. If you prefer not to be identified publicly, tell us at info@logiclinks.io and we will remove references within thirty (30) days. Any customer testimonial or case study that quotes you or your organization by name requires your prior written approval.

Assignment. You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent, and any purported assignment without consent is void. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.

Force majeure. Neither party is liable for a failure or delay in performance (other than the payment of fees) caused by circumstances beyond its reasonable control, including acts of God, war, terrorism, civil unrest, government action, labor conditions, internet or infrastructure outages, third-party service outages, or pandemic.

Notices. Legal notices to us must be sent to info@logiclinks.io with a copy by U.S. mail to LogicLinks LLC, 2111 N Tejon Street, Colorado Springs, CO 80907. Notices to you may be sent to the email address on your account or posted in the Service. Notices are effective upon receipt.

Waiver and severability. No failure or delay in enforcing any right is a waiver. If any provision of these Terms is held unenforceable, that provision will be modified to the minimum extent necessary or severed, and the remaining provisions will remain in full force.

Independent contractors. The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

No third-party beneficiaries. These Terms are for the benefit of the parties only. No third party has any rights under these Terms.

U.S. only. The Service is offered from the United States and is intended for use by licensed mortgage professionals located in the United States. You are responsible for compliance with any local laws that apply to your access from outside the U.S.

Export and sanctions. You represent that you are not located in, and will not access the Service from, any country subject to U.S. comprehensive sanctions, and that you are not listed on any U.S. government restricted-party list.

We may update these Terms from time to time. If we make a material change, we will provide reasonable notice (for example, by email to your account address and by updating the effective date above) before the change takes effect. Your continued use of the Service after the effective date of a change constitutes acceptance of the updated Terms. If you do not agree to a change, you may cancel your subscription in accordance with Section 4.

Questions about these Terms? Email us at info@logiclinks.io.

LogicLinks LLC
2111 N Tejon Street
Colorado Springs, CO 80907