1. Acceptance of Terms
By accessing or using LoanGraphs ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.
2. Description of Service
LoanGraphs, operated by Next Loan Technologies, LLC, provides software tools including loan scenario analysis, market data, property data lookups, AI email generation, and marketing features for mortgage professionals.
3. User Accounts
You must provide accurate information when creating an account. You are responsible for maintaining the security of your account credentials and for all activity under your account.
4. Acceptable Use
You agree to use the Service only for lawful purposes in connection with mortgage lending activities. You may not use the Service to violate any applicable laws or regulations.
5. Data and Privacy
Your use of the Service is also governed by our Privacy Policy. Property and market data is provided for informational purposes and should be independently verified.
6. Subscription and Billing
Paid features require an active subscription. Subscriptions renew automatically unless cancelled. Credits purchased are non-refundable once used.
7. Limitation of Liability
The Service is provided "as is" without warranties. LoanGraphs is not liable for decisions made based on data or reports generated through the platform. Loan limit data comes from FHFA and HUD and should be verified with official sources.
8. Changes to Terms
We may update these terms from time to time. Continued use of the Service after changes constitutes acceptance of the new terms.
9. LoanGraphs Support SMS
By selecting the optional support SMS checkbox on our contact form, you request text replies from LoanGraphs (Next Loan Technologies, LLC) about your software support request, including troubleshooting and support updates. This program does not include promotional texts, mortgage offers, or messages from other brands. Message frequency varies with your support conversation. Message and data rates may apply.
Consent is not a condition of purchase, account access, or receiving support. Leave the checkbox unchecked to receive support by email. Provide only a phone number you control that can receive texts. Do not send passwords, Social Security numbers, or borrower financial information by text.
Reply STOP to cancel support texts. You will receive an opt-out confirmation and no further support messages unless you opt in again. Reply HELP for assistance, or use our contact form. Carriers are not liable for delayed or undelivered messages. Our Privacy Notice explains how we handle phone numbers and consent information.
10. Contact
Questions about these terms can be sent through the LoanGraphs contact form.