Terms of Service

By accessing or using the ClariLien platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you and ClariLien Inc. ("ClariLien," "we," "us").

ClariLien is an institutional mortgage due diligence platform that provides automated document classification, data extraction, collateral analysis, borrower risk scoring, pricing, and portfolio reporting for residential mortgage loans. The Service processes data you upload and generates analysis outputs based on that data.

You must provide accurate, current, and complete information during registration. You are responsible for maintaining the security of your account credentials. You may not share account access with unauthorized individuals. One account per person; team access is managed through your organization's admin settings.

The Service is intended for institutional and professional use in mortgage due diligence. You agree not to:

• Resell, sublicense, or redistribute the Service or its outputs
• Use automated scripts to scrape, crawl, or extract data from the Service
• Reverse engineer, decompile, or disassemble the Service
• Upload malicious files, viruses, or harmful code
• Attempt to bypass security controls, rate limits, or access restrictions
• Use the Service for any illegal purpose

The Service operates on a credit-based pricing model. Credits are purchased monthly as part of your subscription tier. Each operation (document processing, enrichment) consumes a defined number of credits as published in our pricing documentation.

Credits are non-refundable. Unused credits do not roll over to the next billing cycle. Credit costs per operation are subject to change with 30 days notice.

You retain ownership of all data you upload to ClariLien. We process your data solely to provide the Service under a limited license grant. We do not claim ownership of your uploaded documents, loan tapes, or the analysis outputs generated from your data. You may export your data at any time through the platform's export functionality.

The ClariLien platform, including its algorithms, models, user interface, documentation, and underlying technology, is our intellectual property. Your analysis outputs belong to you. You may not reproduce, distribute, or create derivative works based on the platform itself.

We target 99.9% uptime but do not guarantee uninterrupted availability. Scheduled maintenance windows will be communicated at least 24 hours in advance. We are not liable for downtime caused by factors beyond our reasonable control, including infrastructure provider outages, network issues, or force majeure events.

The Service provides analysis tools and data processing capabilities. It does not constitute investment advice, legal advice, or a recommendation to buy, sell, or hold any asset. You are solely responsible for your investment decisions.

To the maximum extent permitted by law, ClariLien's total liability for any claims arising from or related to the Service shall not exceed the fees paid by you in the 12 months preceding the claim.

You agree to indemnify and hold harmless ClariLien from any claims, damages, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

Either party may terminate the subscription with 30 days written notice. Upon termination, you will have 30 days to export your data through the platform's export functionality. After 30 days, your data will be deleted per our retention policy.

We may immediately terminate or suspend your access for material breach of these Terms, including acceptable use violations.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Any dispute arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Delaware. Each party shall bear its own costs.

We may modify these Terms with 30 days notice for material changes. Notice will be provided via email to your registered account and a notice on the platform. Continued use after the effective date constitutes acceptance of the modified Terms.

For questions about these Terms, contact us at legal@clarilien.com.