Terms of Use

1. Acceptance of Terms

By accessing or using LoanBrain.ai, you agree to these Terms of Use. If you do not agree, you must discontinue use of the website immediately.

2. Informational & AI-Generated Content Disclaimer

LoanBrain.ai provides general informational content, automated calculations, estimates, and AI-generated responses related to loans, financing, and related financial topics. The information provided is for educational and informational purposes only and does not constitute legal, tax, accounting, investment, mortgage, financial, or lending advice.

3. No Guarantee of Financing

Use of the website does not create a lender-borrower relationship, broker-client relationship, fiduciary relationship, or guarantee of financing approval, rates, loan terms, or funding. All loan decisions are subject to independent review, underwriting, verification, and approval by applicable lenders or financial institutions.

4. User Responsibility

You are solely responsible for the accuracy, completeness, legality, and reliability of any information or documents submitted through the website. The website owner is not responsible for errors resulting from incomplete, inaccurate, outdated, misleading, or fraudulent information supplied by users.

5. No Professional Relationship

Nothing on the website shall be interpreted as creating any attorney-client, financial advisor-client, mortgage broker-client, or fiduciary relationship. Users should consult qualified professionals before making financial decisions.

6. Limitation of Liability

To the fullest extent permitted by law, the website owner, affiliates, contractors, licensors, and partners shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to the use of the website, reliance on AI-generated content, submission of information, inability to obtain financing, business interruption, loss of profits, data loss, or any related claim.

7. AI System Limitations

Artificial intelligence systems may produce inaccurate, incomplete, delayed, or incorrect responses. Users acknowledge that AI-generated content should not be solely relied upon for financial, legal, tax, or lending decisions.

8. No Data Storage Guarantee

The website may temporarily process information for functionality purposes, but the website owner does not guarantee permanent storage, retrieval, backup, or retention of submitted information or uploaded files.

9. Compliance & Licensing

Certain services, referrals, or activities may require professional licensing depending on jurisdiction and transaction type. Users are responsible for ensuring compliance with all applicable laws and regulations. The website owner reserves the right to refuse service or participation where legally required.

10. Third-Party Services

The website may integrate with or reference third-party tools, APIs, lenders, analytics providers, or external websites. The website owner is not responsible for third-party content, decisions, data handling, availability, or actions.

11. Intellectual Property

All branding, software, logos, content, workflows, AI prompts, and materials associated with LoanBrain.ai remain the property of their respective owners and may not be copied, reproduced, reverse engineered, distributed, or exploited without written consent.

12. Indemnification

Users agree to defend, indemnify, and hold harmless the website owner and affiliates from and against any claims, liabilities, damages, costs, and expenses arising from misuse of the website, violation of these Terms, inaccurate submissions, unlawful conduct, or disputes with third parties.

13. Arbitration & Venue

Any dispute arising from use of the website shall be resolved through binding arbitration in the State of Florida unless otherwise required by law. Users waive participation in class actions to the fullest extent permitted.

14. Modifications

The website owner may modify these Terms at any time without prior notice. Continued use of the website constitutes acceptance of updated Terms.

15. Contact

For inquiries regarding these Terms, contact the website administrator through https://loanbrain.ai.