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. 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.
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.
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. Fees
The Service is currently provided free of charge. There is no subscription, no trial, and no payment method required to use it today.
We may introduce paid plans in the future. If we do, we will give you advance notice by email and in the product, and we will require your express agreement to the applicable pricing and billing terms — including any auto-renewal terms — before we charge you anything. We will not begin charging an existing account without that separate, affirmative agreement. Nothing in these Terms authorizes a charge to any payment method.
Because the Service is free, we may change, limit, suspend, or discontinue it, 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, contact information, the credit score you are quoting pricing at, veteran status, occupancy and property type, subject property details, and the loan terms and fees you are quoting.
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 or notes.
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.
Borrower information you enter — particularly credit score, income, and mortgage 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.
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.
11. Third-party services
The Service runs on third-party infrastructure, including Supabase (database, authentication, and file storage) and Cloudflare (hosting and content delivery). 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.
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.
Notice under these Terms may be given by email to the address above.