The deal between you and us.

These Terms govern your use of MyLola, a SaaS product operated by Mortgage Dude Holdings, LLC ("MyLola," "we," "us"). By creating an account or using the product, you agree to these Terms. If you don't agree, don't use MyLola.

If you're using MyLola on behalf of a company (e.g. you're an LO at a branch and signed up with your company email), you represent that you have authority to bind that company to these Terms.

You can use MyLola if all of these are true:

• You are at least 18 years old.
• You are a licensed mortgage professional in the United States, or a member of a team led by one.
• You can form a legally binding contract under U.S. law.
• You are not on a list of restricted persons under U.S. or other applicable sanctions law.

• You're responsible for the activity on your account. Keep your Google sign-in secure.
• Tell us promptly if you suspect unauthorized access: security@mylola.ai.
• Don't share accounts. If a colleague or assistant needs access, invite them as a team member.
• Don't impersonate someone else or misrepresent your affiliation with a company.

Don't do these things with MyLola:

• Send unsolicited bulk email (spam). Mail merge is for your actual contacts, not purchased lists.
• Use the product to harass, threaten, or harm anyone.
• Use the product in violation of TCPA, CAN-SPAM, GDPR, CCPA, or any other applicable law.
• Reverse engineer, decompile, or attempt to extract source code.
• Use automated scrapers or bots to access the product outside of our published APIs.
• Try to interfere with the security or availability of the product (DDoS, exploit hunting outside of a responsible disclosure, etc.).
• Use the product to compete with us by building a substantially similar product based on what you observe.

Violating acceptable use can result in suspension or termination, with or without notice depending on severity.

You retain ownership of all data you upload to or generate within MyLola: household records, borrower records, loan data, notes, attachments, drafts, etc. ("Your Content").

You grant us a limited, non-exclusive license to use Your Content solely to operate the product on your behalf (run features, store and retrieve data, generate drafts via Lola, etc.). This license ends when you delete the data or close your account, except where retention is required by law.

You represent that you have the right to upload Your Content and that doing so doesn't violate any law or third-party right.

Lola drafts emails, workflow steps, and other content using a third-party AI model (Anthropic Claude). Drafts are suggestions, not advice. You are responsible for reviewing and editing every Lola output before you send, share, or rely on it.

Lola can be wrong. Don't use it to provide regulated mortgage advice (rate guarantees, qualification decisions, compliance opinions) without verifying. We don't warrant the accuracy of Lola outputs.

MyLola integrates with third-party services you authorize (Google Workspace, Arive, Stripe, etc.). Your use of those services is subject to their own terms. We're not responsible for outages, data loss, or terms changes on their side.

• The plans, pricing, and limits are on the pricing page.
• Solo and Team subscriptions are month-to-month unless you choose annual billing.
• Charges renew automatically until you cancel.
• Annual subscriptions are non-refundable except as required by law. Monthly subscriptions are non-refundable but you can cancel anytime to stop the next charge.
• If your payment fails, we'll try to reach you. After 14 days of non-payment, your account moves to read-only. After 60 days, it's eligible for closure.
• We may change prices with at least 30 days' notice. Price changes don't apply to your current paid period.
• The free trial is 14 days, no card required. We may end or change free trial terms in the future for new sign-ups.

We own MyLola: the code, the product design, the brand, the documentation, the Lola persona. These Terms don't transfer any of that to you. You get a non-exclusive, non-transferable right to use the product as described in your plan.

Feedback you give us (bug reports, feature ideas, etc.) is on a no-strings basis. We can use it to improve the product without owing you anything.

• You can cancel at any time from Settings. Cancellation stops the next renewal; you keep access through the end of the paid period.
• We can suspend or terminate your account for material breach of these Terms, fraud, abuse, or extended non-payment.
• On termination, you have 90 days to export your data before deletion (see privacy policy).
• Sections that should reasonably survive (IP, indemnity, disclaimers, limitation of liability, dispute resolution) do survive termination.

The product is provided "as is" and "as available." We don't warrant that it will be uninterrupted, error-free, or that AI drafts will be accurate. To the maximum extent allowed by law, we disclaim all implied warranties (merchantability, fitness for a particular purpose, non-infringement).

MyLola is not a regulated financial product. It does not provide legal, tax, compliance, or mortgage advice. You remain responsible for compliance with all laws applicable to your mortgage practice (NMLS, RESPA, TILA, ECOA, state licensing, etc.).

To the maximum extent allowed by law, MyLola's total liability for any claim arising out of or relating to these Terms or the product is limited to the amount you paid us in the 12 months before the claim arose, or $100, whichever is greater.

Neither party is liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost revenue, lost goodwill, or lost data, even if advised of the possibility.

You agree to defend, indemnify, and hold MyLola harmless from any third-party claim arising out of (a) your use of the product in violation of these Terms or applicable law, (b) Your Content, or (c) your interactions with borrowers, partners, or other third parties through the product.

MyLola will defend you against third-party IP infringement claims arising solely from your authorized use of the product, subject to standard carve-outs (modifications, combinations with non-MyLola products, use after we tell you to stop).

We'd rather work things out directly. Before filing a formal claim, email us at legal@mylola.ai and we'll try to resolve it in good faith within 30 days.

If we can't, any unresolved dispute will be resolved by binding arbitration in Travis County, Texas, under the AAA Commercial Arbitration Rules, except either party may pursue claims in small-claims court if they qualify. You and we waive any right to a jury trial and to participate in a class action.

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. Where arbitration is unavailable, exclusive venue is the state or federal courts in Travis County, Texas.

We can update these Terms. For material changes we'll give active users at least 30 days' notice by email. If you don't agree to a change, your remedy is to stop using the product before the change takes effect.

• If a court finds any part of these Terms unenforceable, the rest still applies.
• Our failure to enforce a provision isn't a waiver.
• You can't assign these Terms without our consent. We can assign them to a successor (e.g. in connection with a merger or sale).
• These Terms plus the privacy policy are the whole agreement between us about the product. Sales pitches, prior drafts, or marketing emails don't alter them.

Legal questions: legal@mylola.ai
Mortgage Dude Holdings, LLC
Austin, Texas, United States