Loanology Connect Terms of Use

Effective Date: [Insert Date]
Last Updated: [Insert Date]

These Terms of Use (“Terms”) govern your access to and use of Loanology Connect, including the Program Finder, borrower tools, Realtor portal, Loan Officer and administrative areas, saved scenarios, learning resources, referral features, contact tools, appointment scheduling, and related services operated by Loanology Lending Group LLC (“Loanology,” “we,” “us,” or “our”).

By accessing or using Loanology Connect, you agree to these Terms.

If you do not agree, do not use Loanology Connect.

1. About Loanology

Loanology Lending Group LLC is a veteran-owned independent mortgage brokerage.

Loanology provides mortgage-related services and access to financing solutions that may include conventional, FHA, VA, USDA, DSCR, investment-property, alternative-documentation, home-equity, and other mortgage programs.

Loanology Lending Group LLC
NMLS #2757757
1017 N Bowen Rd, Ste B
Arlington, TX 76012

2. Purpose of Loanology Connect

Loanology Connect provides:

• Preliminary mortgage-program screening
• Educational information
• Saved scenario functionality
• Realtor referral tools
• Loan Officer program-search tools
• Contact and appointment features
• Learning and operating resources

Loanology Connect is not itself a mortgage underwriting or credit-decision system.

The Program Finder is intended to identify programs that may warrant further review based on the information supplied by the user.

3. No Loan Approval or Commitment

Results generated by Loanology Connect are preliminary only.

A result such as:

• Potential Match
• Conditional Match
• Preliminary Possibility

does not constitute:

• Loan approval
• Preapproval unless expressly issued through a separate authorized process
• Commitment to lend
• Underwriting decision
• Credit decision
• Rate quote
• Rate lock
• Guarantee of eligibility
• Guarantee of program availability

All financing is subject to underwriting approval, program eligibility, lender guidelines, borrower qualification, property eligibility, and other applicable requirements.

This is not a commitment to lend.

4. Program Information and Availability

Mortgage programs, guidelines, rates, fees, credit requirements, LTV limits, CLTV limits, DTI requirements, geographic restrictions, property requirements, and other conditions may change.

Loanology makes reasonable efforts to maintain reviewed program information, but Loanology Connect may not reflect every recent change, lender overlay, exception, or borrower-specific condition.

A licensed Loanology mortgage professional should confirm current requirements before a user relies on a Program Finder result.

5. User Responsibilities

Users agree to provide information that is accurate to the best of their knowledge.

Users may not:

• Provide knowingly false or misleading information
• Attempt to access another person’s account
• Attempt to access confidential lender or staff information without authorization
• Circumvent authentication or permission controls
• Interfere with the application’s security or operation
• Scrape or extract restricted system data
• Reverse engineer restricted application functionality
• Use Loanology Connect for fraudulent, abusive, or unlawful purposes

6. Borrower Use

Borrowers may use Loanology Connect to:

• Explore preliminary financing possibilities
• Save scenarios
• Request contact from Loanology
• Schedule consultations
• Access approved educational information

The Program Finder is not intended to replace a complete mortgage application.

Borrowers should not submit highly sensitive information or documents through general Program Finder fields unless Loanology specifically directs them to an approved secure process.

7. Realtor and Partner Use

Approved Realtors and partners may use authorized features to:

• Run hypothetical Program Finder scenarios
• Submit named referrals when appropriate consent or authority exists
• Track limited referral statuses
• Ask Loanology questions
• Access approved learning and reference materials

A Realtor submitting consumer information represents that they have appropriate permission or authority to provide that information.

Realtor access does not include:

• Confidential lender identities
• Lender account executives
• Internal program sources
• Internal staff notes
• Underwriting information
• Another Realtor’s referral information

8. Loan Officer and Administrative Use

Certain areas of Loanology Connect are restricted to authorized Loanology personnel.

Staff access may be determined by role, including Loan Officer and Admin roles.

Loanology may require two-step verification or other authentication controls for staff access.

Loanology may modify or revoke staff access where reasonably necessary for security, compliance, operational, or employment reasons.

9. Program Finder Logic

The Program Finder evaluates information supplied by the user against reviewed program rules.

Known information may be evaluated against requirements such as:

• Credit score
• LTV
• CLTV
• DTI
• Occupancy
• Loan purpose
• Property type
• State or geographic requirements
• Other reviewed program conditions

Where required information is unknown, the Program Finder may return a Preliminary Possibility rather than assuming that the requirement has been satisfied.

The Program Finder is designed not to invent missing borrower values or lender requirements.

A known failure of a verified hard requirement may exclude that program from public results.

10. Contact Requests and Appointments

Users may request contact from Loanology or schedule consultations through Loanology Connect.

Appointment availability is not final until a booking has been successfully submitted and confirmed.

Submitting a contact request, appointment request, referral, or scenario does not guarantee:

• Loan approval
• Application acceptance
• Program eligibility
• Program availability
• Specific rates or terms

11. Electronic Communications

By submitting contact information and requesting communication, you authorize Loanology to respond regarding your inquiry or requested service using the information provided.

Loanology may communicate by:

• Telephone
• Text message
• Email
• Voicemail
• Automated or AI-assisted communication where permitted by law

Separate consent may be requested for marketing, automated calls, or text messages where required.

Consent to receive marketing communications is not a condition of obtaining mortgage services.

Message and data rates may apply.

12. Accounts and Security

You are responsible for maintaining the confidentiality of your login credentials.

You may not share:

• Passwords
• Authentication codes
• Staff credentials

with unauthorized persons.

You must notify Loanology if you believe your account has been compromised.

Loanology may suspend or restrict access when suspicious or unauthorized activity is detected.

13. No Legal, Tax, Accounting, or Investment Advice

Loanology Connect provides mortgage-related screening and educational information.

Unless expressly stated otherwise, information available through Loanology Connect does not constitute:

• Legal advice
• Tax advice
• Accounting advice
• Investment advice

Users should consult qualified professionals regarding their individual circumstances.

14. Fair Housing and Equal Opportunity

Loanology provides mortgage-related services consistent with applicable fair lending and fair housing requirements.

Loanology does not discriminate based on race, color, religion, national origin, sex, familial status, disability, or any other characteristic protected by applicable law.

Equal Housing Opportunity.

15. Intellectual Property

Loanology Connect and its associated:

• Software
• Design
• Branding
• Content
• Program organization
• Documentation
• Training materials
• Operating procedures

are owned by Loanology or used with authorization.

Except where expressly permitted, users may not reproduce, distribute, sell, publish, commercially exploit, or create derivative works from restricted Loanology Connect materials.

16. Confidential Information

Authorized staff may have access to confidential information, including:

• Lender identities
• Lender reference numbers
• Account executive information
• Internal program names
• Source documents
• Program guidelines
• Review records
• Internal notes

This information may not be disclosed to unauthorized borrowers, Realtors, competitors, or other third parties.

17. Third-Party Services

Loanology Connect may rely on third-party services for:

• Hosting
• Database infrastructure
• Authentication
• CRM
• Appointment scheduling
• Communications
• Mortgage origination
• Analytics
• Workflow automation

Loanology is not responsible for interruptions caused solely by third-party systems outside Loanology’s reasonable control.

Use of third-party services may also be subject to those providers’ terms and privacy practices.

18. Availability and Changes

Loanology may modify, suspend, update, or discontinue all or part of Loanology Connect.

Features may be changed to improve:

• Security
• Accuracy
• Compliance
• Performance
• Usability
• Operations

Loanology does not guarantee uninterrupted or error-free operation.

19. Disclaimer of Warranties

To the extent permitted by applicable law, Loanology Connect is provided on an “as available” basis.

Loanology does not warrant that:

• Every available mortgage program will be displayed
• Every displayed program will be available to a particular user
• Every program guideline will be immediately updated after a lender change
• Program Finder results will result in loan approval
• Loanology Connect will always operate without interruption or error

Nothing in these Terms limits rights that cannot legally be waived.

20. Limitation of Liability

To the extent permitted by applicable law, Loanology will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from use of or inability to use Loanology Connect.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.

21. Suspension or Termination

Loanology may suspend or terminate access when a user:

• Violates these Terms
• Attempts unauthorized access
• Misuses confidential information
• Engages in fraudulent or harmful activity
• Creates a security or compliance risk

Users may request account closure subject to applicable record-retention requirements.

22. Privacy

Use of Loanology Connect is subject to the Loanology Connect Privacy Policy and any additional privacy notices Loanology provides.

23. Changes to These Terms

Loanology may update these Terms periodically.

Updates will display a revised Last Updated date.

Where appropriate, material changes may require additional notice or user acceptance.

24. Governing Law

These Terms are governed by applicable federal law and, to the extent state law applies, the laws of the State of Texas, without regard to conflict-of-law principles.

Any dispute-resolution, arbitration, venue, or waiver provisions should be separately reviewed and approved by Loanology’s legal or compliance advisor before publication.

25. Contact Information

Loanology Lending Group LLC

NMLS #2757757

1017 N Bowen Rd, Ste B
Arlington, TX 76012

Email: Support@LoanologyLending.com

Phone: (972) 483-2911

Website: https://loanologylending.com

Equal Housing Opportunity

This is not a commitment to lend. All financing is subject to underwriting approval, program eligibility, borrower qualification, and lender guidelines.