Terms of Service

Acceptance of Terms

By accessing or using RiskSculptor™ (“the Platform”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Platform. These terms apply to all users, including licensed mortgage professionals, subscribers, and authorized users.

Product Description

RiskSculptor is a professional-facing post-AUS (Automated Underwriting System) workflow and content/business support platform designed for licensed mortgage professionals. The Platform provides:

• Loan file structuring and positioning workflows
• Post-AUS rescue analysis and recommendations
• Content generation and social media publishing tools
• Business intelligence and referral partner management

Important: RiskSculptor is not a lender, broker, underwriting authority, credit decision engine, legal advisor, or consumer qualification tool. The Platform does not approve, deny, pre-approve, qualify, or make lending decisions of any kind.

User Responsibilities

As a user of RiskSculptor, you are responsible for:

• Ensuring the accuracy, compliance, and appropriateness of all content you publish or distribute using the Platform
• Maintaining valid professional licensing (including NMLS where applicable) and ensuring all activities comply with applicable federal, state, and local laws
• Complying with platform rules, mortgage advertising rules, NMLS and company compliance requirements
• Adhering to fair lending laws, UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) regulations, and all applicable Meta/Facebook policies when using integrated social features
• Reviewing all generated content before publishing, particularly where required by your employer, regulator, or applicable compliance policies
• Protecting your account credentials and maintaining the confidentiality of your login information

No Mortgage Decisioning

You acknowledge and agree that RiskSculptor does not approve, deny, pre-approve, qualify, or make any lending or credit decisions. All loan structuring, recommendations, and workflows provided by the Platform are informational and workflow-support tools only. Final lending decisions, underwriting approvals, and credit determinations remain solely with the applicable lender, investor, AUS provider, and underwriting authority. Users must exercise independent professional judgment and verify all information before acting on Platform outputs.

Social Media Autopilot Terms

If you use RiskSculptor's social media content generation or publishing features:

• All generated and scheduled content should be reviewed by you before publishing, where required by your company, regulator, or applicable compliance policies
• You are solely responsible for ensuring published content complies with all applicable mortgage advertising regulations, fair lending laws, and platform policies
• RiskSculptor is not responsible for user misuse of generated content, unauthorized publishing, or compliance violations resulting from user actions
• Users must ensure all marketing claims are accurate, not misleading, and comply with NMLS advertising guidelines and RESPA requirements

Intellectual Property

All RiskSculptor names, logos, trademarks, workflows, content, software, documentation, and platform materials are the intellectual property of RiskSculptor and its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Platform during your subscription term. You may not copy, modify, distribute, sell, lease, or create derivative works from any Platform materials without express written permission.

Prohibited Uses

You agree not to use the Platform for:

• Any unlawful purpose or in violation of any applicable laws or regulations
• Creating, publishing, or distributing discriminatory content in violation of fair lending laws
• Making false, misleading, or deceptive mortgage claims, including guarantees of approval or specific rates
• Providing approval guarantees, certainty claims, or misleading representations about loan outcomes
• Disparaging competitors or making unsubstantiated comparative claims
• Attempting to bypass platform security, lending rules, or applicable compliance requirements
• Using the Platform in any manner that could damage, disable, overburden, or impair the service
• Accessing data not intended for you or attempting to gain unauthorized access to systems

Limitation of Liability

To the maximum extent permitted by law, RiskSculptor and its affiliates, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost revenue, business interruption, or loss of data, arising from or relating to your use of or inability to use the Platform. In no event shall our total liability exceed the amount you paid to us in the twelve (12) months preceding the claim. The Platform is provided “as is” without warranties of any kind, express or implied.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will provide notice of significant changes by updating the effective date above or by notifying you through the Platform. Your continued use of the Platform after changes constitutes acceptance of the modified terms. If you do not agree to the modified terms, you must stop using the Platform.

Termination

We may suspend or terminate your access to the Platform at any time, with or without notice, for any reason, including violation of these terms, suspected fraud, or non-payment of fees. Upon termination, your right to use the Platform immediately ceases, and you must cease all use of Platform materials. Provisions that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, and limitations of liability.

Contact Information

If you have questions about these Terms of Service, please contact us at:

Email: support@risksculptor.com

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which RiskSculptor operates, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved through binding arbitration or in the appropriate courts of that jurisdiction.