Terms of Service

1. Parties and acceptance

These Terms of Service (“Terms”) are a binding agreement between you (and any organization you represent) and MOOV FORWARD LLC, a United States limited liability company doing business as MOOV Ventures (“Company,” “we,” “us”), which operates LoanBrain.ai (the “Service”). You are contracting with MOOV FORWARD LLC. By creating an account, purchasing a plan, or continuing to use the Service, you accept these Terms, our Privacy Policy, our Acceptable Use Policy, and our Refund Policy, each incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility and authority

The Service is intended for business and professional use by persons at least 18 years old. If you use it on behalf of a company, brokerage, or team, you represent that you have authority to bind that organization, and “you” includes it. You must provide accurate information, keep it current, keep your credentials confidential, and you are responsible for all activity under your account and any seats you administer.

3. What the Service does — informational tool only

The Service is an AI-assisted research and document-summarization tool. It summarizes lender guidelines, matrices, program documents, and files you submit, and it may suggest lenders that appear to fit a described scenario.

• No advice. Nothing in the Service is legal, tax, accounting, appraisal, investment, insurance, or licensed mortgage advice, and nothing is an offer, commitment, pre-approval, rate lock, underwriting decision, or credit decision.
• No accuracy guarantee. AI output can be incomplete, outdated, or wrong. Guidelines, limits, and pricing change frequently. You must independently verify all output against the authoritative lender, agency, or legal source before relying on it or repeating it to any borrower, client, investor, or regulator. You alone are responsible for every decision, communication, disclosure, and transaction you make.
• No endorsement. Lender suggestions are informational, are not paid placements, and are not endorsements or recommendations. We are not a party to your dealings with any lender, broker, or third party and accept no responsibility for them.
• Not a consumer report. We are not a consumer reporting agency, and the Service must not be used to make eligibility decisions about consumers in a manner regulated by the FCRA or similar laws.

4. Licence and restrictions

We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Service for your internal business purposes within the plan you have purchased. You must not copy, resell, redistribute, sublicense, reverse engineer, scrape, or bulk-extract the Service or its content; circumvent usage, device, seat, or security limits; or use the Service or its output to train, fine-tune, benchmark, or build a competing product or model.

5. Your content, uploads, and permissions

You retain ownership of the documents, images, and text you submit (“Your Content”). You grant us a worldwide, royalty-free licence to host, transmit, process, and display Your Content solely to operate and provide the Service to you (including transmitting it to our AI processing providers) and to comply with law. You represent and warrant that you have all rights, consents, and lawful bases required to submit Your Content, including any borrower consent needed to disclose non-public personal information, and that Your Content does not violate any law, contract, court order, or third-party right. We may remove, refuse, restrict, or filter any content or output at our discretion, and we have no obligation to monitor. Rights-holders may submit takedown notices via the contact route on https://loanbrain.ai; accounts associated with repeat infringement will be terminated. Detailed rules — including prohibited uses and redaction expectations — are in the Acceptable Use Policy.

6. Intellectual property

We and our licensors own the Service and all related intellectual property, including its software, prompts, curated guideline library, data models, design, documentation, and branding (including “LoanBrain.ai,” “MOOV Ventures,” and “MOOV FORWARD”). No rights are granted except those expressly stated in these Terms. Feedback you send us may be used without restriction or compensation.

7. Plans, payments, and billing (Stripe)

Paid plans currently include:

• Free — limited daily messages and limited saved chats, provided “as is” and subject to change or discontinuation at any time.
• Pro — $9.99 per month — unlimited messages for one individual user, with an active-device limit to prevent account sharing.
• Team — $9.99 per month for the primary user plus $4.99 per month for each additional seat — seats are billed as added and prorated by Stripe.
• Enterprise — $749 per month — unlimited users within the licensed organization, plus white-label options as agreed.

Subscriptions renew automatically each billing period at the then-current price until cancelled. You may cancel at any time; cancellation stops future renewals and access continues to the end of the paid period. Taxes are calculated and collected as required. Prices and plan features may change with notice effective at your next renewal.

Payments are processed by Stripe, Inc. on behalf of MOOV FORWARD LLC d/b/a MOOV Ventures. Payment, billing, tax, invoicing, subscription management, cancellation, and refund mechanics are governed by Stripe’s legal terms together with our Refund Policy. If payment fails or is reversed, we may suspend paid features until the balance is settled.

8. Suspension and termination

We may suspend or terminate your access, in whole or in part, immediately and without liability for: material breach of these Terms or the Acceptable Use Policy; non-payment; suspected fraud, security, or legal risk; or repeated or serious policy violations. You may stop using the Service at any time and delete your account. On termination your licence ends; you may export saved chats before deletion where the Service provides that capability, and we may delete Your Content after a reasonable period, subject to legal retention obligations. Sections that by their nature should survive (ownership, disclaimers, liability limits, indemnity, dispute resolution) survive termination.

9. Service availability

The Service is provided on an “as available” basis. We do not guarantee uninterrupted, timely, secure, or error-free operation, and we may modify, suspend, or discontinue features, models, or the entire Service at any time. We depend on third-party providers (hosting, AI models, email, payments) and are not responsible for their outages, changes, or acts.

10. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE AND ALL OUTPUT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, CURRENCY, COMPLIANCE WITH ANY LAW OR LENDER GUIDELINE, DATA SECURITY, AND QUIET ENJOYMENT. WE MAKE NO WARRANTY THAT OUTPUT IS ACCURATE, CURRENT, OR SUITABLE FOR ANY LOAN FILE, BORROWER, JURISDICTION, OR REGULATORY PURPOSE.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER MOOV FORWARD LLC (d/b/a MOOV VENTURES) NOR ITS AFFILIATES, OWNERS, MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR SERVICE PROVIDERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST COMMISSIONS, LOST OR DELAYED LOAN APPROVALS OR CLOSINGS, LOST BUSINESS, LOST DATA, REGULATORY FINES, REPUTATIONAL HARM, OR COSTS OF SUBSTITUTE SERVICES, ARISING FROM OR RELATING TO THE SERVICE OR ITS OUTPUT, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF (a) THE AMOUNTS YOU ACTUALLY PAID US (OR TO STRIPE FOR OUR PRODUCT) IN THE SIX (6) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED U.S. DOLLARS ($100). Nothing in these Terms excludes liability for fraud, death, or personal injury caused by negligence, or any other liability that cannot lawfully be excluded. These limits apply regardless of the theory of liability and survive termination.

12. Indemnification

You will defend, indemnify, and hold harmless MOOV FORWARD LLC (d/b/a MOOV Ventures) and its affiliates, owners, members, officers, employees, contractors, and service providers from and against all claims, demands, actions, investigations, fines, penalties, losses, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) Your Content and the documents or data you submit; (b) your use of the Service or its output, including any advice, disclosure, or decision you or your clients make in reliance on it; (c) your breach of these Terms, the Acceptable Use Policy, or any law, licence obligation, or third-party right (including privacy, GLBA, fair-lending, and IP rights); and (d) acts or omissions of anyone using your account, seats, or organization access. We may assume control of the defence of any matter subject to indemnification, at your expense, with counsel of our choice.

13. Governing law and disputes

These Terms are governed by the laws of the State of Florida, United States, excluding its conflict-of-laws rules and the UN Convention on Contracts for the International Sale of Goods. The state and federal courts located in Florida have exclusive jurisdiction, and you consent to venue there. Each party waives any right to a jury trial and to participate in a class, collective, or representative action; claims may be brought only in an individual capacity. Any claim must be brought within one (1) year after it arises or it is permanently barred, except where a longer period is required by law. Nothing here limits mandatory consumer rights in your country of residence.

14. Assignment, force majeure, and general

You may not assign these Terms without our written consent; we may assign them to an affiliate or in connection with a merger, financing, or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control (including outages, provider failures, cyberattacks, natural events, war, or government action). If a provision is unenforceable, it is limited or severed and the rest remains in effect. Our failure to enforce a provision is not a waiver. These Terms, with the policies referenced above, are the entire agreement between us for the Service.

15. Changes and contact

We may modify these Terms by posting an updated version with a new “Last updated” date. Continued use after that date constitutes acceptance. Contact: MOOV FORWARD LLC d/b/a MOOV Ventures, via the contact route on https://loanbrain.ai.