Terms of Service

1. Acceptance of Terms

By accessing or using Discloser's mortgage disclosure automation platform ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

Discloser provides a software platform designed to automate and streamline mortgage disclosure processes for lending institutions. The Service includes tools for loan management, disclosure processing, team collaboration, and compliance tracking.

3. Account Registration

To use the Service, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for all activities that occur under your account.

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to the Service or its systems
• Interfere with or disrupt the Service or servers
• Transmit any malware, viruses, or harmful code
• Violate any applicable laws or regulations
• Infringe upon the rights of others

5. Data Ownership

You retain all rights to the data you input into the Service. We do not claim ownership of your loan data, borrower information, or any other content you provide. You grant us a limited license to use this data solely to provide the Service to you.

6. Confidentiality

We understand the sensitive nature of mortgage and financial data. We maintain strict confidentiality measures and will not disclose your data except as necessary to provide the Service, comply with law, or as otherwise described in our Privacy Policy.

7. Service Availability

We strive to maintain high availability of the Service but do not guarantee uninterrupted access. We may perform maintenance, updates, or experience downtime. We will make reasonable efforts to notify you of planned maintenance.

8. Limitation of Liability

To the maximum extent permitted by law, Discloser shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service.

9. Termination

We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service will immediately cease. You may export your data prior to termination.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

11. Contact

For questions about these Terms of Service, please contact us.