This is the Terms of Service as last updated on September 23, 2026, in the fourth version published that day. It was replaced the same day. Read the current Terms of Service or see all versions.
Terms of Service
1. What the Service is — and what it is not
Ask Mortgage provides software that lets mortgage professionals build side-by-side comparisons of loan options — costs, fees, payments, cash to close, and related figures — and present them to borrowers in a clear, shareable report. The Service is a comparison, presentation, and reporting tool. That is all it is.
Ask Mortgage is not a lender, creditor, mortgage broker, mortgage banker, loan servicer, law firm, tax advisor, financial planner, credit repair organization, or consumer reporting agency. We do not originate loans, underwrite loans, make credit decisions, pull credit, set rates, lock rates, or approve or deny any borrower. We are not a party to any transaction between you and a borrower, or between a borrower and any lender.
Every output of the Service — every rate, payment, APR figure, fee, cash-to-close number, and comparison — is an estimate generated from assumptions and data that you enter. Those outputs are informational only. They are not a loan approval, preapproval, commitment to lend, rate lock, Loan Estimate, Closing Disclosure, or any other disclosure required by law. Actual loan terms may differ. You are responsible for reviewing every figure before you share it with a borrower or rely on it.
Mortgage pricing is tiered by credit score, so the Service asks which score to quote at. The value you enter is the tier the pricing is quoted at — an assumption, not a verified score. Ask Mortgage does not pull credit, does not obtain credit reports, and has no connection to any credit bureau. Every borrower report states this to the borrower.
The borrower report shows this only as a 20-point range (for example “740–759”), never as an exact number — rate sheets price in tiers, so the range carries everything the pricing depends on, and an exact figure on a borrower-facing document invites it to be read as a verified score.
You are responsible for the score you enter and for any comparison built on it. Do not represent a quoted pricing tier to a borrower as their actual or verified credit score.
How APR is calculated
Where the Service displays an Annual Percentage Rate, it is estimated using the actuarial method, consistent with Regulation Z. For the method, equations, and examples, see the CFPB's Regulation Z, Appendix J. The APR shown is derived from the estimated finance charges for that option, which the borrower report discloses alongside it. Which optional fees are treated as finance charges is a choice you make on each comparison, or one your company has set for you if you are on its Team plan, and that choice changes the APR shown. Because those charges are estimates entered or defaulted in the Service, the APR is an estimate and will not necessarily match the APR on an official Loan Estimate.
The in-app assistant
The Service includes an optional assistant that turns a sentence you type into changes to the comparison you have open. When you use it, your instruction and the contents of that comparison — which can include a borrower's name, the property address, current mortgage and debt figures, and the loan options and fees — are sent to our AI provider, Anthropic, to work out the change. We do not store your instructions. Changes the assistant makes appear in your workspace, where you can review or undo them, and you remain responsible for every figure in a report you publish, whether you typed it or the assistant did. Usage limits apply to the assistant.
Pricing assumptions must travel with the quote
Every borrower report automatically discloses what the pricing was based on — the credit score range quoted at, interest rate, estimated APR, loan-to-value ratio, discount points, lender credits, estimated finance charges, loan term, and what the quoted payment does and does not include. This block is generated from the figures that produced the comparison and cannot be edited or removed, so a borrower always sees the basis of the estimate. You may add your own pricing disclosure language in your Profile; you may not use it to contradict or obscure the generated assumptions.
2. Who may use the Service
The Service is intended for use in the United States by mortgage industry professionals — licensed loan officers and personnel authorized to act on behalf of a licensed brokerage, lender, or similar business. You represent that you are legally able to enter into these Terms and, if you use the Service on behalf of a business, that you have authority to bind that business. Section 21 covers use of our public website and its chat.
You may use the Service only in compliance with the laws that govern your business, including mortgage licensing, advertising, fair lending, privacy, financial-privacy, data-security, and consumer-protection laws. You alone are responsible for determining whether your use of the Service — and the content of any report you generate or send — complies with federal, state, and local law and with your employer's or sponsor's own compliance policies. Ask Mortgage does not review your reports for compliance and does not provide legal or compliance advice.
Borrowers and other recipients who view a report you share are not required to have an account and are not "users" of the Service under these Terms. Our handling of their information is described in the Privacy Policy.
3. Accounts and account security
To use most features you must create an account with an email address and password. You agree to provide accurate, current, and complete information, and to keep it current — including the NMLS numbers, company name, and licensing details in your profile, which you attest are accurate and which you are authorized to use.
You are responsible for keeping your credentials confidential and for all activity under your account. Notify us immediately at support@ask.mortgage if you suspect unauthorized access to your account or any security incident involving loan officer or borrower information.
We may suspend or terminate accounts that contain false or unverifiable licensing information, are used in violation of these Terms, create a security risk, or expose Ask Mortgage or borrowers to legal harm.
4. Plans, billing, and auto-renewal
Ask Mortgage offers the following subscription plans:
- Monthly: $27 per month, per account.
- Annual: $270 per year, per account.
- Team: a per-seat plan billed to a company for its loan officers. A company needs at least three loan officers on its roster to start one. Seats are priced in bands: the first nine seats are $22 per month (or $220 per year) each, and every seat after the ninth is $17 per month (or $170 per year). Each seat is billed at the rate for its own band, so a company of ten pays for nine seats at the first rate and one at the second. Pricing for twenty-five seats or more is quoted separately.
Accounts created by signing up directly receive a 7-day free trial with full access, including publishing borrower reports. We do not ask for a payment method to start it.
A loan officer added to a company’s Team plan does not receive a separate trial. Their access comes from the company’s seat and begins when the company’s plan does, as described under Team plans below.
Nothing is charged when the trial ends, because we have no card on file to charge. The trial simply expires: publishing stops working until you choose to subscribe. You do not need to cancel anything to avoid a charge, and there is no charge to avoid.
Everything you built during the trial stays in your account, and any report you published during it remains reachable at its existing link.
Subscribing is a separate, deliberate step. When you subscribe, you authorize us to charge your selected payment method for the plan you chose, immediately and on each renewal thereafter. If you subscribe while a trial is still running, your plan starts and your card is charged at that moment — it does not wait for the trial to run out.
If your account existed before we introduced paid plans, it keeps full access at no charge, and we will not charge it. An earlier version of these Terms promised that we would not begin charging an existing account without separate, affirmative agreement to pricing terms. We are keeping that promise by not charging those accounts at all, rather than by asking them to agree to something.
These are the accounts we designate as complimentary: every account that existed on August 21, 2026, the date we introduced paid plans. That date defines the group, and no other date applies to it.
Charging such an account requires your agreement. Nothing in this section authorizes a charge to a payment method for a complimentary account. If that ever changes, we will give advance notice by email and in the product and require your express agreement first.
Ending complimentary access requires notice, not agreement. We may discontinue the complimentary designation on ninety (90) days’ written notice, during which you may export all your data and either elect a paid plan or close the account without charge. These are two different things: we cannot charge you without your agreement, and we cannot quietly stop your free access without giving you ninety days to decide what to do.
On a Team plan the company is the customer. One company pays one invoice for a number of seats, and each seat lets one loan officer use the Service, including publishing borrower reports. If you subscribe to a Team plan you confirm that you are authorized to bind that company to these Terms and to authorize charges on its behalf, as described in section 2.
Loan officers on a seat are not billed and are never asked for a payment method. Their access is provided by their company and lasts as long as the company’s plan does. An officer on a seat has no separate subscription with us and owes us nothing.
Seats follow the roster. The number of seats billed is the number of loan officers the company’s administrator has added, and it changes when they add or remove someone. The company chooses who holds a seat; we do not add or remove officers on our own.
Changes during a billing period are settled on the next invoice, automatically. Adding a loan officer part-way through a period adds a charge for the remaining days to the next invoice; removing one adds a credit for the remaining days to that same invoice. Nothing is charged to the card at the moment of the change, and if a credit is larger than the next invoice the remainder carries forward to the invoice after it. Neither is a refund: see Refunds below.
Some officers are not counted as billable seats. A loan officer who already holds their own paid subscription, or whose account is complimentary under the paragraph above, is not billed again as a seat while that remains true. We do not charge twice for one person.
If the company’s plan ends, every seat ends with it. Cancellation, expiry, or non-payment of the Team plan stops publishing for all of the company’s officers at the same time, at the end of the period the company has paid for. Each officer keeps their account and their data and may subscribe individually if they wish.
If an officer is removed from the company they keep their own account, contacts, and reports, and any report they already published stays reachable at its existing link. What ends is the company-provided ability to publish. Removing an officer is the company’s decision, not ours, and we act on the instruction of its administrator.
Company-level details are controlled by the company. On a Team plan the company name, company NMLS, and company address on each officer’s profile are set centrally by the company’s administrator and cannot be edited by the individual officer. Each officer remains responsible for their own name, their own NMLS, and for attesting that their information is accurate, exactly as on an individual plan.
What the administrator can see. A company administrator can see, for each loan officer on the roster, their name, email address, NMLS number, role, whether they have accepted their invitation, how many borrower reports they have published, how many times they have published or updated one, and when they last published, and where that officer stands on billing: whether the company is paying for their seat, they pay for their own subscription, they have complimentary access, they are on a free trial (and how many days of it remain), or they have not subscribed. Administrators cannot read the contents of those reports or the borrower information in them.
Owners and administrators. A company has one owner and may have administrators. The owner starts the Team plan. The owner and administrators can add and remove loan officers and manage the plan’s payment method and cancellation. Only the owner can change someone’s role or hand ownership of the company to another member; after a handover the former owner remains an administrator, and invoices go to the new owner’s email address. Whoever holds ownership confirms the authority described in section 2.
What the company controls. A company can set the disclosure language its officers publish, its policy on which optional fees count toward the APR, the colors used on borrower reports, and the welcome paragraph and bio shown on the borrower page. It can lock any of these. The company’s owner also chooses which Equal Housing mark its reports show, and that choice is fixed into each report when it is published. A locked setting applies to every officer on the roster and cannot be changed by them; an unlocked one is a starting default the officer may replace. A locked disclosure records the date the company approved it. Locks are applied at the moment a report is published, so a report a borrower already holds is never changed afterwards by a later company decision. Company disclosures are the company’s own content and its responsibility, not ours.
Joining a company. A company can invite a loan officer by email. Someone without an account receives an email to set one up. Someone who already has an account sees the invitation in the app instead, and nothing about their account changes unless they accept it. If they accept, their reports, contacts, templates, and settings stay with them, and the company name, company NMLS, and company address on reports they publish from then on become the company’s. Reports already published are not changed. Until the invitation is answered, the company’s roster shows only the details its administrator entered for that person.
YOUR SUBSCRIPTION AUTOMATICALLY RENEWS UNTIL YOU CANCEL. Monthly plans renew on the same day each month as your first charge; if a month has no such day, they renew on that month's last day. Annual plans renew on the anniversary of your first charge. We will email you a receipt for every charge, and for annual plans we will email you a reminder before each renewal.
Canceling. You may cancel at any time from your account settings, under Settings → Billing — or, for a Team plan, under Settings → Team — no email or phone call required. Cancellation stops future renewals. It does not end your current paid period early: you keep access through the period you already paid for, and then the subscription lapses.
What a subscription covers. Building, saving, and previewing comparisons does not require a plan. Publishing a borrower report — creating or updating the link you send to a borrower — does. Reports you have already published remain reachable at their existing links; what lapses is the ability to publish new ones or update existing ones.
Refunds. Except where required by law, fees are non-refundable. We do not refund money for unused time, partial periods, downgrades, or cancellation after a period has begun. Seat changes on a Team plan are the one exception, and they are not refunds: adding or removing a loan officer part-way through a period produces a charge or a credit applied to a future invoice, as described under Team plans above. A credit of that kind is applied against what the company owes us next and is never paid back to a card. If you believe you were charged in error, email support@ask.mortgage and we will look into it.
Failed payments. If a charge fails, we may retry it and may suspend access until payment succeeds.
Price changes. We may change pricing. Any change takes effect no earlier than your next renewal, and we will give you advance notice by email so you can cancel first if you choose.
Payment processing. Payments are processed by Stripe. Card details are entered directly with Stripe and are never received, transmitted, or stored on our systems. See the Privacy Policy for what billing information we do hold.
We may change, limit, suspend, or discontinue the Service, in whole or in part, at any time. We will try to give reasonable notice before discontinuing the Service entirely so that you can export or preserve your data.
5. Your data and borrower information
“Your Data” means everything you put into the Service: your profile and branding, your contacts, your fee and scenario templates, and the borrower information and loan assumptions you enter to build a comparison. Depending on how you use the Service, borrower information may include a borrower's name, email address, phone number, and addresses; notes you keep about them; the credit score you are quoting pricing at; veteran status and VA funding-fee exemption; occupancy and property type; the subject property's address, value or price, taxes, insurance, and HOA dues; the balances, rates, and payments on their current mortgage and any other debts you enter; and the loan terms and fees you are quoting. The full list is in section 3 of the Privacy Policy.
The Service does not collect borrower income, household size, assets, employment, Social Security numbers, or dates of birth, and provides no fields for them. Do not attempt to store that information in the Service by entering it into free-text fields such as report titles, notes, or debt descriptions.
Real estate agents. If you save a real estate agent’s details, or show them on a marketing comparison, you confirm that you have the agent’s permission. Their name, brokerage, license number, phone number, and email address, as you entered them, appear publicly on any marketing comparison you publish with them.
You own Your Data. As between you and Ask Mortgage, you remain responsible for it. You represent and warrant that you have every right, permission, notice, and consent required to collect that information from borrowers and to enter, store, and share it through the Service — and that entering it here is consistent with the privacy notices your borrowers have already received from you or your company.
We act as a service provider processing borrower information on your behalf and on your instructions. We do not use borrower information to market to borrowers, we do not sell it, and we do not share it with lenders, advertisers, data brokers, or lead buyers. See the Privacy Policy for the full picture.
You grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, transmit, and display Your Data solely as necessary to operate, secure, support, and maintain the Service for you, and to comply with law.
Before your data is permanently deleted, we make an export of everything in your account available to you for thirty (30) days after you close it. You are solely responsible for retaining any records required by applicable licensing, lending, or record-retention obligations, and you acknowledge that we do not act as a system of record for those purposes.
Borrower information you enter — particularly credit score, current mortgage balances, debts, and loan terms — may be nonpublic personal information under the Gramm-Leach-Bliley Act and Regulation P. If those rules apply to your business, the obligation to give borrowers privacy notices and to limit disclosure of their information is yours, not ours. Using Ask Mortgage does not discharge it.
6. Borrower report links are public by design
When you share a borrower report, the Service creates a link containing a unique, hard-to-guess token. Anyone who has that link can open the report without logging in. The link does not verify who is opening it and does not require a password.
That is how borrowers are able to open their report by clicking a link in an email or text. It also means that anyone the link is forwarded to — intentionally or not — can see the report, including the borrower's name and the financial figures it contains.
Client report links expire 120 days after the report was last published. Publishing the report, or publishing an update to it, starts a fresh 120 days, so you can always reissue a link to a borrower who needs one. Saving a private draft does not extend the link — saving does not change what the borrower sees, so it does not keep their link alive either. Archiving a report deactivates its link immediately.
Marketing comparisons do not expire. They carry no borrower and no contact, and are intended for flyers, open houses, social posts, and agent education — so their links are built to be shared publicly and to keep working. Do not put borrower information into a marketing comparison.
You decide who receives a share link, and you are solely responsible for that decision. Send report links only to the borrower and to people the borrower has authorized. Do not post them publicly, and do not include them anywhere they may be indexed, forwarded, or intercepted. If a link is exposed or sent to the wrong person, archive the report in the Service promptly — that kills the link — and tell us at support@ask.mortgage.
Ask Mortgage is not responsible for a borrower's information being seen by someone who obtained a share link from you or from anyone you sent it to.
The Service shows you how many times each link has been opened, and when it was first and last opened. It does not record who opened it. Link-preview tools in messaging apps can open a link automatically, so a view is not proof that a borrower read the report.
Saving a report is private — it does not change what a borrower sees. The borrower's link serves the last version you published, and publishing is a deliberate act. Each publication stores a read-only copy of exactly what was published, with the date and time. These records are kept for 3 years and survive archiving, deletion, and account closure. Neither you nor Ask Mortgage can edit or delete them.
You can draft and revise freely; only publishing is recorded. You cannot change the figures a borrower is looking at without publishing, and you cannot publish without it being on the record. When you publish a revision, the borrower's link stays the same and their report tells them it was updated and when.
You cannot change the numbers under a link a borrower has already relied on without that change being on the record. If a borrower later disputes what they were shown, the record shows what was actually published and when — which protects you if you quoted honestly, and does not if you did not.
This record also exists so that you and your company can meet the record-keeping obligations that apply to mortgage advertising and borrower communications. You remain responsible for your own retention obligations; this feature is a convenience, not a substitute for them. You can view the publication history of any report from your Reports tab.
7. Branding images you upload are public
Headshots, company logos, personal logos, and team/DBA logos you upload are stored in a publicly readable location so that they can render on borrower reports, which are themselves viewable without a login. Anyone with the image's direct URL can view it. Upload only images you intend to be publicly visible and that you have the right to use — do not upload personal photos, documents, or anything containing borrower information.
8. Acceptable use
You may not, and may not permit anyone else to:
- Use the Service for any unlawful, deceptive, fraudulent, misleading, or discriminatory purpose, including any use that violates fair lending or fair housing laws.
- Misrepresent rates, fees, APR, payments, program eligibility, or product comparisons to a borrower, or present Service output as a Loan Estimate, approval, or commitment to lend.
- Enter borrower information you do not have the right to use, or use the Service to contact borrowers in violation of any law.
- Upload malware, or attempt to access another user's account, data, contacts, or reports.
- Probe, scan, or test the vulnerability of the Service; circumvent authentication or access controls; or enumerate, guess, or harvest share links or tokens.
- Reverse engineer, decompile, scrape, frame, mirror, or attempt to extract source code or non-public data from the Service, except where applicable law expressly prohibits that restriction.
- Use bots or automation in a way that overburdens, disrupts, or impairs the Service.
- Resell, lease, sublicense, or commercially exploit the Service without our written permission.
We may investigate suspected violations and may suspend or limit access to protect borrowers, other users, or the Service.
9. Intellectual property
Ask Mortgage retains all right, title, and interest in and to the Service — the software, interfaces, workflows, report templates and layouts, trademarks, logos, documentation, and all related intellectual property, including any improvements or derivative works we create. Nothing in these Terms transfers any of it to you.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Service for your internal business use for its intended purpose. Your own branding and Your Data remain yours.
10. Electronic communications
You consent to receive communications from us electronically — about your account, security, legal notices, and material changes to the Service or these Terms. You agree that electronic notices satisfy any legal requirement that a communication be in writing, to the extent permitted by law. Keep your email address current; it is how we will reach you.
If you sign up yourself, we also email you about getting started and about your free trial, and we may ask for feedback if you decide not to subscribe. Those emails carry an unsubscribe link. Unsubscribing does not stop messages about your account, billing, or security.
11. Third-party services
The Service relies on third-party providers, including Supabase (database, authentication, and file storage), Cloudflare (hosting and content delivery), Stripe (payments), Google (account email delivery), HighLevel (customer communications, website chat, and text messages), Anthropic (the in-app assistant), and MCTB Tech, a company under the same ownership as Ask Mortgage (routing support requests). The Privacy Policy lists what each one receives. We select vendors with care, but we are not responsible for their products or services except as stated in a written agreement with you. Reports may also link to third-party destinations you configure, such as your own loan application URL — we do not control those and are not responsible for them.
12. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” TO THE MAXIMUM EXTENT PERMITTED BY LAW. ASK MORTGAGE DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR TRADE USAGE.
We do not warrant that the Service will be uninterrupted, secure, timely, or error-free, or that any calculation, comparison, report, or borrower-facing output will be complete, accurate, current, or legally compliant for your situation. Rates, fees, taxes, insurance, escrows, APR, program guidelines, and closing conditions change, and depend on facts outside the Service. You are responsible for independently reviewing every figure before you share it or rely on it.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASK MORTGAGE TECHNOLOGIES LLC AND ITS OWNERS, MANAGERS, MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, OR OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
Some jurisdictions do not allow certain warranty exclusions or damage limitations, so parts of the above may not apply to you.
14. Indemnification
You will defend, indemnify, and hold harmless Ask Mortgage Technologies LLC and its owners, managers, members, officers, employees, contractors, affiliates, licensors, and service providers from any claims, demands, investigations, damages, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
- Your use or misuse of the Service.
- Your Data, including borrower information you enter without the rights or consents required.
- Your decision to send a borrower report link to any person, and any resulting disclosure of borrower information.
- Your violation of these Terms, of any law, or of any third party's rights.
- Any statement, disclosure, advertisement, comparison, or report you create, send, or rely on using the Service.
Compulsory process about your reports. If we receive a subpoena, civil investigative demand, or other compulsory process seeking records about you or about any report you published, you will reimburse our reasonable costs of complying, including attorneys’ fees, unless the process arises from our own alleged acts or omissions.
15. Suspension and termination
You may stop using the Service and close your account at any time. We may suspend, restrict, or terminate your access, with or without notice, if we reasonably believe you have violated these Terms, or that your use creates legal exposure, a security risk, or potential harm to borrowers, other users, or Ask Mortgage.
When your account ends, your right to use the Service ends. We may retain information as required or permitted by law and for security, backup, audit, and dispute-resolution purposes, as described in the Privacy Policy. Sections that by their nature should survive termination will survive — including ownership, disclaimers, limitation of liability, indemnification, and dispute provisions.
16. Governing law and disputes
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Florida, and each party consents to the personal jurisdiction and venue of those courts.
We may seek injunctive or equitable relief in any court of competent jurisdiction to protect our intellectual property, confidential information, or the integrity and security of the Service.
17. Changes to the Service or these Terms
We may modify the Service, discontinue features, or update these Terms. If we make material changes, we will provide notice by email, in-product notice, or another reasonable method, and update the “Last updated” date above. Your continued use after the effective date of updated Terms means you accept them, to the extent permitted by law. If you do not accept a change, stop using the Service and close your account.
18. General terms
These Terms, together with the Privacy Policy, are the entire agreement between you and Ask Mortgage regarding the Service and supersede any prior understanding on the subject. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of our right to enforce it later.
You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, financing, reorganization, or sale of assets. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between us, and there are no third-party beneficiaries.
19. Contact
Questions about these Terms, legal notices, and security reports all reach us by email.
Ask Mortgage Technologies LLC
A Florida limited liability company
(888) 271-4275
Notice under these Terms may be given by email to the address above.
20. Text messages (SMS)
Program description. Ask Mortgage Technologies LLC sends text messages to website visitors who opt in through the chat window on our website at ask.mortgage, by entering their mobile number in the phone field and checking one or both SMS consent boxes before sending their message. Two separate consent boxes are offered, both unchecked by default. The first covers informational and transactional messages: replies to your inquiries, appointment and meeting scheduling and reminders, service updates, and customer support. The second covers promotional messages about Ask Mortgage software. The consent language beside each box authorizes us to text or call the number you enter, possibly using automated means, for that kind of message. You may check either box, both, or neither. Promotional messages go only to people who checked the separate promotional box. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time or HELP for assistance.
Consent. Consent to receive text messages is not a condition of purchase. Agreeing to these Terms, or to our Privacy Policy, does not by itself sign you up for text messages.
Who this applies to. Only people who opt in themselves through the chat on our website. It does not apply to anyone because a loan officer entered their information. If a loan officer entered your information so they could build you a loan comparison, we will not text you — see section 2 of our Privacy Policy.
Cancellation. You can cancel text messages at any time. Text STOP to the number that sent you messages. We will send one message confirming that you have unsubscribed, and after that you will no longer receive text messages from us. To rejoin, opt in again through the chat on our website.
Support. If you have trouble with the messaging program, reply HELP, call (888) 271-4275, or email support@ask.mortgage.
Carrier liability. Carriers are not liable for delayed or undelivered messages.
Message and data rates. Message and data rates may apply to messages we send to you and messages you send to us. For questions about your text or data plan, contact your wireless provider.
Age requirement. You must be 18 years of age or older to take part in the messaging program.
Privacy. For how we handle information, including phone numbers and text message consent records, see section 16 of our Privacy Policy. We do not share mobile numbers or consent records with third parties or affiliates for marketing or promotional purposes.
We send text messages in accordance with the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.
21. Website visitors and the chat
This section applies if you use our website at ask.mortgage or its chat, or receive our text messages, without an account. You must be 18 or older to use the chat.
About the information on our website. Ask Mortgage Technologies LLC is a software company. It is not a lender or mortgage broker, and it does not make loans, take loan applications, set rates, or approve borrowers. Information on the website and in the chat is general information about Ask Mortgage and its software. It is not financial, legal, or tax advice, a loan offer, or a commitment to lend.
What you send us. You are responsible for the messages you send us through the chat or by text. Send only information you have the right to share, and do not send Social Security numbers, bank account or login details, or financial documents. We handle what you send as described in our Privacy Policy.
Using the website. The website and the materials on it are the property of Ask Mortgage Technologies LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may use the website for your own informational purposes, and you may download or print one copy of individual pages for your own non-commercial use, provided you keep all copyright and other proprietary notices intact. Unless we explicitly authorize it, you may not otherwise modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, exploit, or distribute any material from the website.
Ending access. We may suspend or end your access to the website or the chat, without notice, if we determine that you have violated these Terms or engaged in conduct that is inappropriate or unlawful. If we do, you must stop using the website.
Which other sections apply to you. Sections 8 (Acceptable use), 9 (Intellectual property), 11 (Third-party services), 12 (Disclaimers), 13 (Limitation of liability), 16 (Governing law and disputes), 17 (Changes), 18 (General terms), 19 (Contact), and 20 (Text messages) apply to your use of the website, the chat, and our text messages. Section 14 (Indemnification) applies only to claims arising out of your breach of these Terms. The sections about accounts, plans and billing, and borrower data apply only to account holders.