Terms of Service

• • LendQM is an educational tool, not a lender. The output of any calculator or analysis is an estimate based on industry-typical norms — it is not a credit decision, pre-qualification, pre-approval, or commitment from any lender.
• • Final qualification is determined by a lender's underwriter, not by us. Industry guidelines change; individual lenders apply their own overlays.
• • You agree to use LendQM in good faith — accurate inputs, no automated scraping, no abuse.
• • We aren't liable for decisions you make based on LendQM output. Use it as a starting point and confirm with a licensed lender or broker before acting.

LendQM provides educational tools and calculators that estimate which non-Qualified Mortgage ("non-QM") loan programs a borrower might typically qualify for, and supporting workflow tools for licensed mortgage brokers. The Service is operated by LendQM (the "Company," "we," "us"). By accessing lendqm.com, app.lendqm.com, or any LendQM tool, you ("you," "user") agree to these Terms of Service ("Terms").

LendQM is not a lender, broker, real estate agent, or financial advisor. We do not:

• • Originate, fund, or service mortgage loans
• • Pull your credit or perform identity verification
• • Issue pre-qualification letters, pre-approval letters, or commitments to lend
• • Provide individualized financial, legal, tax, or investment advice
• • Receive referral fees, payment, or compensation from lenders for routing borrowers

Any output produced by LendQM — including PDF reports — is an educational estimate based on aggregated industry-typical guidelines. It is not a credit decision and creates no obligation on the part of any lender. Final qualification, loan amount, rate, and terms are determined by an individual lender's underwriter after a complete file review and credit pull.

You must be at least 18 years old and a US resident or US-based broker to use LendQM. By using the Service you represent that you meet these criteria.

Brokers may create an account by providing an email address and verifying it via magic-link sign-in. You are responsible for the accuracy of information in your broker profile (including license number, brokerage name, and license state). You may not impersonate another individual or misrepresent your professional credentials.

We may suspend or terminate accounts that violate these Terms, abuse the Service, or are used in a way that materially harms other users or LendQM.

You agree not to:

• • Provide false or misleading information about yourself or any borrower
• • Use the Service in violation of any law, regulation, or third-party right
• • Reverse-engineer, decompile, or otherwise attempt to extract source code, algorithms, or proprietary methodology
• • Scrape, mass-download, or otherwise extract data from the Service via automated means
• • Resell, sublicense, or redistribute LendQM tools or output in a way that competes with the Service
• • Upload malware, exploit security vulnerabilities, or attempt unauthorized access to other users' accounts
• • Use LendQM output as if it were a credit decision, commitment to lend, or compliance certification

Brokers using the income analysis tool agree to upload only documents they are authorized to process under applicable law and their borrower's consent. LendQM is not responsible for verifying borrower consent for documents uploaded to broker accounts.

LendQM and all software, content, calculators, methodology, and PDF templates are owned by us. You receive a limited, non-exclusive, non-transferable license to use the Service for its intended purpose. Generated PDF reports may be shared with lenders, brokers, and underwriters for the borrower's loan-shopping purposes; this includes the LendQM brand mark or, where applicable, the broker's brand on a co-branded report.

You retain ownership of any data you input or upload. By using the Service you grant us a non-exclusive license to process your data solely to provide the Service to you, as described in our Privacy Policy.

The Service is provided "AS IS" and "AS AVAILABLE", without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

Without limiting the foregoing, LendQM does not warrant that:

• • Calculator outputs accurately reflect any individual lender's current guidelines or pricing
• • Loan amounts, rate ranges, or qualification estimates will match what a lender ultimately approves
• • Bank statement parsing via AI will correctly classify every transaction (broker review is required)
• • The Service will be uninterrupted, error-free, or secure against all attacks

Industry-typical parameters change as the market changes, and individual lenders apply their own overlays. Your actual options may be more or less favorable than any LendQM estimate.

To the maximum extent permitted by law, LendQM and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity, arising out of or related to your use of the Service.

Our total cumulative liability for any claim arising from these Terms or the Service is limited to the greater of (a) $100 USD or (b) the amount you paid LendQM in the 12 months preceding the claim.

You acknowledge that you are responsible for your own decisions regarding mortgage loans, real estate investments, and financial transactions, and that you will not rely solely on LendQM output in making those decisions.

You agree to indemnify and hold LendQM harmless from any third-party claim arising out of (a) your breach of these Terms, (b) your misuse of the Service, (c) your violation of any law or third-party right, or (d) for brokers, your unauthorized processing of borrower documents.

Borrower-facing tools (calculators, qualification estimator, PDF downloads) are free and will remain free.

Broker tools are currently free during beta. We may introduce paid plans in the future; if we do, we will provide reasonable advance notice and you will not be charged without your express consent. Subscription terms (price, billing cycle, refund policy) will be presented at the time of purchase and incorporated into these Terms.

We may modify the Service at any time, including adding, changing, or removing features. We may update these Terms; if changes are material, we'll notify users with accounts and update the "Last updated" date at the top of this page. Continued use of the Service after a Terms update constitutes acceptance of the updated Terms.

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute arising out of these Terms or the Service will be resolved in the state or federal courts located in the State of California, and you consent to the exclusive jurisdiction of those courts.

You agree that any dispute will be brought in your individual capacity and not as part of any class or representative action.

If any provision of these Terms is held unenforceable, the remaining provisions remain in effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and LendQM with respect to the Service.

Questions about these Terms? Email legal@lendqm.com.