Lumae Terms of Service

1. Definitions

"AI Output" means any content, suggestions, analysis, text, data, or other information generated, provided, or suggested by the artificial intelligence features of the Services based on User Input or other data.

"User Input" means any data, information, text, prompts, documents (including 1003 forms or other financial documents), or other materials submitted, uploaded, or otherwise provided by you to the Services.

Other capitalized terms have the meanings ascribed to them herein.

2. Eligibility

To access and use the Services, you represent and warrant that you:

• Are at least 18 years old and have the legal capacity to enter into binding contracts.
• Are actively employed or engaged as a mortgage professional (e.g., loan officer, underwriter, processor) within the United States.
• Will provide accurate, current, and complete information during registration and maintain the accuracy of such information.
• Will use the Services only for lawful professional purposes and in compliance with all applicable laws, regulations, and industry standards.

3. Services Description

LUMAE provides an AI-powered platform designed to assist mortgage professionals. Services may include, but are not limited to, navigating mortgage guidelines, analyzing loan scenarios, comparing loan products, parsing loan application data (such as from 1003 forms), generating informational summaries or client presentations, and other workflow automation tools. The Services utilize artificial intelligence and machine learning technologies. You acknowledge that the scope and features of the Services may change over time at our sole discretion.

4. User Accounts

You must register for an account to access certain features of the Services. You agree to:

• Provide accurate, truthful, current, and complete information during the registration process.
• Maintain and promptly update your account information to keep it accurate, current, and complete.
• Maintain the security and confidentiality of your account credentials (username and password). Do not share your credentials with any third party.
• Accept full responsibility for all activities that occur under your account, whether or not authorized by you.
• Notify us immediately at support@lumae.ai if you suspect any unauthorized access to or use of your account.

We reserve the right to suspend or terminate your account if any information provided during registration or thereafter proves to be inaccurate, false, or misleading, or if you violate these Terms.

5. Subscription Plans, Billing, and Usage Limits

Plans and Fees: We offer various subscription plans (e.g., Trial, Pro) with associated fees and usage limits (e.g., prompt limits), as detailed on our pricing page or during the signup process. By selecting a plan, you agree to pay all applicable fees.

Billing: Payments are processed through our third-party payment processor (e.g., Chargebee). You authorize us and our processor to charge your chosen payment method (credit card, debit card, ACH) for your selected plan, including recurring fees for auto-renewing subscriptions.

Automatic Renewal: Monthly and annual subscriptions automatically renew at the end of the applicable subscription period unless canceled by you prior to the renewal date through your account settings or payment provider interface.

Cancellation: You may cancel your subscription at any time. Cancellations become effective at the end of your current billing period. NO REFUNDS OR CREDITS WILL BE PROVIDED FOR PARTIAL SUBSCRIPTION PERIODS OR UNUSED SERVICES.

Paused Subscriptions: If you pause your subscription, the pause takes effect at the end of the current billing period. Billing resumes immediately upon unpausing.

Payment Issues: We may attempt to retry failed payments during a dunning period (e.g., nine days). Chargebacks may result in immediate subscription cancellation and potential suspension of access.

Invoicing: Charges occur immediately upon account creation, plan changes, reactivation, extensions, and for any one-time charges.

Usage Limits: Trial and paid plans may have defined usage limits (e.g., Trial: 25 prompts total; Pro: unlimited* prompts with rate limits to prevent abuse). Exceeding these limits may result in temporary suspension, account restrictions, or requirements to upgrade your plan. We reserve the right to modify usage limits at our discretion.

6. User Conduct and Responsibilities

You agree not to use the Services to:

• Upload, submit, or transmit any User Input that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable.
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
• Upload, submit, or transmit any User Input that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).
• Upload, submit, or transmit any User Input that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party.
• Upload, submit, or transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation.
• Upload, submit, or transmit any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment.
• Interfere with or disrupt the Services or servers or networks connected to the Services, or disobey any requirements, procedures, policies, or regulations of networks connected to the Services.
• Attempt to gain unauthorized access to the Services, other user accounts, or computer systems or networks connected to the Services, through password mining or any other means.
• Scrape, collect, or store personal data about other users without their express permission.
• Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, ideas, or algorithms of the Services or any software, documentation, or data related to the Services.
• Use the Services in any manner that could damage, disable, overburden, or impair the Services or interfere with any other party's use and enjoyment of the Services.
• Violate any applicable local, state, national, or international law or regulation.

7. Specific Prohibitions Regarding User Input and AI Features

You acknowledge that the Services utilize AI and that the quality and legality of AI Output can be influenced by User Input. You specifically agree NOT to submit, upload, or provide any User Input that includes:

• Sensitive Personal Information (SPI): Unless a specific feature is expressly designed and secured for such purpose and you have obtained all necessary consents, do not input information such as government-issued identification numbers (e.g., Social Security Numbers, driver's license numbers), financial account numbers, credit or debit card numbers (other than for payment), personal health information, biometric data, or information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership.
• Confidential Information: Do not input confidential information belonging to you or any third party (e.g., non-public business strategies, trade secrets, customer lists, non-public financial data) unless you have explicit authorization and accept all risks of disclosure.
• Third-Party Proprietary Data: Do not input data belonging to third parties if you do not have the necessary rights, licenses, or permissions to use and process that data within the Services.
• Illegal or Harmful Content: Do not input content that is illegal, infringing, defamatory, obscene, harassing, or promotes violence or discrimination.
• Data Intended to Harm or Overload: Do not input data designed to compromise the security or functionality of the AI models or the Services (e.g., prompt injection attacks, excessive data volumes intended to cause denial of service).

You are solely responsible for the User Input you provide. We have no obligation to screen User Input, but we reserve the right to remove or modify User Input that violates these Terms or is otherwise objectionable, in our sole discretion. Violation of these prohibitions may result in immediate suspension or termination of your account.

8. Data Collection, Privacy, and AI Training

Your use of the Services is subject to our Privacy Policy. Please review the Privacy Policy carefully to understand how we collect, use, share, and protect your information, including personal data and User Input.

You acknowledge and agree that, as further detailed in our Privacy Policy, we may use User Input and your interactions with the Services (including interactions with AI features) on an aggregated and/or anonymized basis to operate, analyze, improve, and develop our Services and underlying technologies, including training our artificial intelligence models. Where required by applicable law, we will obtain your consent or provide you with opt-out mechanisms as described in the Privacy Policy. We will not use Sensitive Personal Information or Confidential Information identified in Section 7 for model training without appropriate safeguards and consents as required by law.

9. Intellectual Property Rights

Our Intellectual Property: The Services and all materials therein or transferred thereby, including, without limitation, software, algorithms, AI models, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos, music, and all intellectual property rights related thereto (the "Company Content"), are the exclusive property of Alphabetasoup LLC and its licensors. Except as explicitly provided herein, nothing in these Terms shall be deemed to create a license in or under any such intellectual property rights, and you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from any Company Content. Use of the Company Content for any purpose not expressly permitted by these Terms is strictly prohibited.

User Input: You retain ownership of any intellectual property rights that you hold in your User Input. By submitting User Input to the Services, you grant Alphabetasoup LLC a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Input solely in connection with operating, providing, developing, and improving the Services.

AI Output: You acknowledge that the ownership of output generated by artificial intelligence is a complex and evolving area of law. Subject to your compliance with these Terms, Alphabetasoup LLC grants you a limited, worldwide, non-exclusive, royalty-free, revocable license to use AI Output generated through the Service solely for your lawful internal professional purposes. You may not represent AI Output as solely human-generated or remove any attribution. This license is subject to all restrictions and limitations set forth in these Terms. Alphabetasoup LLC and its licensors retain all right, title, and interest in and to the underlying AI models, algorithms, and technology used to generate AI Output. You are solely responsible for your use of AI Output and must ensure such use complies with all applicable laws, regulations, ethical standards, and third-party rights.

Feedback: If you provide us with any feedback, suggestions, or ideas regarding the Services ("Feedback"), you hereby grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up license to use, incorporate, and exploit such Feedback for any purpose, without any obligation or compensation to you.

10. Third-Party Integrations and Links

The Services may contain links to third-party websites or services, or integrate with third-party applications or platforms (e.g., payment processors) that are not owned or controlled by Alphabetasoup LLC. We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services. If you access a third-party website or service from the Services or use a third-party integration, you do so at your own risk, and you understand that these Terms and our Privacy Policy do not apply to your use of such sites or services. You expressly relieve Alphabetasoup LLC from any and all liability arising from your use of any third-party website, service, or content. Your dealings with or participation in promotions of advertisers found on the Service, including payment and delivery of goods, and any other terms (such as warranties) are solely between you and such advertisers.

11. Maintenance and Availability

We strive to keep the Services operational. However, we reserve the right to perform scheduled maintenance, upgrades, or updates, which may result in temporary unavailability of the Services. We typically aim to conduct such maintenance during off-peak hours (e.g., weekly between 10:00 PM and 4:00 AM Pacific Time on weekends) but reserve the right to perform maintenance at any time as needed. We are not liable for any unavailability caused by maintenance, technical issues, or factors beyond our reasonable control.

12. Disclaimer of Warranties

THE SERVICES, INCLUDING ALL CONTENT, FUNCTIONALITY, AND AI OUTPUT, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALPHABETASOUP LLC AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (I) THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (II) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (III) THE RESULTS, INCLUDING AI OUTPUT, THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE, RELIABLE, COMPLETE, OR CURRENT; OR (IV) ANY ERRORS IN THE SERVICES WILL BE CORRECTED.

SPECIFICALLY REGARDING AI OUTPUT, YOU ACKNOWLEDGE THAT ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING ARE RAPIDLY EVOLVING FIELDS. AI OUTPUT IS GENERATED BASED ON DATA AND ALGORITHMS THAT MAY CONTAIN ERRORS, BIASES, OR INACCURACIES ("HALLUCINATIONS"). AI OUTPUT IS PROVIDED FOR INFORMATIONAL AND ILLUSTRATIVE PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, LEGAL, UNDERWRITING, TAX, OR ANY OTHER TYPE OF PROFESSIONAL ADVICE. YOU MUST INDEPENDENTLY EVALUATE AND VERIFY ALL AI OUTPUT BEFORE RELYING UPON IT FOR ANY DECISION-MAKING, PARTICULARLY IN PROFESSIONAL CONTEXTS. YOUR RELIANCE ON ANY INFORMATION OR AI OUTPUT PROVIDED THROUGH THE SERVICES IS SOLELY AT YOUR OWN RISK.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ALPHABETASOUP LLC OR ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), ARISING OUT OF OR RELATING TO:

• YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICES;
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES;
• ANY CONTENT OR AI OUTPUT OBTAINED FROM THE SERVICES, INCLUDING ANY RELIANCE PLACED ON SUCH CONTENT OR AI OUTPUT;
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT; OR
• ANY OTHER MATTER RELATING TO THE SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, IS LIMITED TO THE GREATER OF (I) THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO ALPHABETASOUP LLC FOR THE SERVICES IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (II) ONE HUNDRED U.S. DOLLARS ($100.00).

THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY LIMITED REMEDY SPECIFIED IN THESE TERMS IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

14. Indemnification

You agree to defend, indemnify, and hold harmless Alphabetasoup LLC and its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms.
• Your use or misuse of the Services, including, but not limited to, your User Input.
• Your use of or reliance on any information or AI Output obtained from the Services.
• Your violation of any applicable law or regulation.
• Your violation of any rights of a third party, including intellectual property rights or privacy rights.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

15. Termination and Data Retention

Termination by Us: We reserve the right, in our sole discretion, to suspend or terminate your account and access to the Services, with or without notice, for any reason, including, but not limited to, your breach of these Terms, violation of applicable law, inactivity, or if we discontinue the Services.

Termination by You: You may terminate your account and stop using the Services at any time by canceling your subscription as described in Section 5 or by contacting us at support@lumae.ai.

Effect of Termination: Upon termination or suspension, your right to access and use the Services will immediately cease. We have no obligation to maintain or provide you with access to your User Input or account history after termination, except as required by applicable law or as described in our Privacy Policy. We may immediately delete, retain, or anonymize your data, including chat histories and usage records, at our discretion following termination, subject to legal and regulatory requirements.

Survival: Provisions of these Terms that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, limitations of liability, and dispute resolution provisions.

16. Governing Law and Dispute Resolution

Governing Law: These Terms and any dispute or claim arising out of or related to them, their subject matter, or their formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the internal laws of the State of Washington without giving effect to any choice or conflict of law provision or rule.

Mandatory Arbitration: PLEASE READ THIS SECTION CAREFULLY – IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT. You and Alphabetasoup LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Services (collectively, "Disputes") will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and Alphabetasoup LLC agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you and Alphabetasoup LLC are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms.

Exceptions: As limited exceptions to the mandatory arbitration provision above: (i) we both may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.

Conducting Arbitration and Arbitration Rules: The arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or Commercial Arbitration Rules, if applicable) then in effect, except as modified by these Terms. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration.

Arbitration Costs: Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules, and we won't seek to recover the administration and arbitrator fees we are responsible for paying, unless the arbitrator finds your Dispute frivolous. If we prevail in arbitration we'll pay all of our attorneys' fees and costs and won't seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys' fees and expenses to the extent provided under applicable law.

Injunctive and Declaratory Relief: Except as provided in the Exceptions subsection above, the arbitrator shall determine all issues of liability on the merits of any claim asserted by either party and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.

Class Action Waiver: YOU AND ALPHABETASOUP LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties' Dispute is resolved through arbitration, the arbitrator may not consolidate another person's claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.

Severability: With the exception of any of the provisions in the Class Action Waiver section, if an arbitrator or court of competent jurisdiction decides that any part of these Terms is invalid or unenforceable, the other parts of these Terms will still apply.

17. Modification of Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide reasonable notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Methods of notice may include posting the updated Terms on our website, sending an email notification to your registered email address, or displaying a notice within the Services. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you must stop using the Services. We encourage you to review the Terms periodically for any changes.

18. General Provisions

Entire Agreement: These Terms, together with the Privacy Policy and any other legal notices published by us on the Services, constitute the entire agreement between you and Alphabetasoup LLC concerning the Services.

Severability: If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

No Waiver: No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Assignment: These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Alphabetasoup LLC without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.

Headings: The section headings in these Terms are for convenience only and have no legal or contractual effect.

Notices: We may provide notifications, whether such notifications are required by law or are for marketing or other business-related purposes, to you via email notice, written or hard copy notice, or through posting of such notice on our website, as determined by us in our sole discretion.

19. Contact Us

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

Alphabetasoup LLC
Email: support@lumae.ai