Terms of Use for Purelend Mortgage Assistant

1. Acceptance of Terms

By accessing or using the Purelend Mortgage Assistant software‑as‑a‑service platform (the "Service") provided by Purelend Technologies Inc., an Alberta corporation ("Purelend," "we," "us," or "our"), you ("you," "your," or "User") agree to be bound by these Terms of Use (the "Terms"). If you do not agree with these Terms, you must not access or use the Service.

2. Definitions

"Account" means the user account you establish to access the Service.

"User Content" means all information, data, documents, and materials that you, or any user registered under your Account, upload to or generate within the Service.

"Subscription" means the license to access the Service under a paid plan on a monthly or annual term as selected at the time of purchase.

"Fees" means the subscription fees and any applicable taxes you owe to Purelend for access to and use of the Service.

3. Scope of Service

The Service enables users to upload, analyze, review, and manage mortgage application documents, perform underwriting workflows, and collaborate with authorized organization members. The Service expressly does not include API access or any developer‑facing interfaces beyond the web and integrated desktop or mobile applications provided at purelend.ai.

4. Eligibility; Account Registration

You represent and warrant that (a) you are at least the age of majority in your jurisdiction; (b) you possess full power and authority to enter into this agreement and to grant all consents and licenses herein; and (c) all registration information you provide is accurate and complete. You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account.

5. User Responsibilities and Prohibited Conduct

You agree that you, and all users acting under your Account, will (a) upload only User Content for which you have all rights, licenses, consents, and permissions necessary to process and share under these Terms; (b) comply with all applicable laws and regulations; and (c) refrain from any conduct that would interfere with or disrupt the Service or infrastructure. Prohibited conduct includes, but is not limited to, reverse engineering, unauthorized access attempts, distributing malware, scraping data for unauthorized uses, and using the Service for any unlawful purpose.

6. Subscription, Fees, and Payment

6.1 Subscription Term

Subscriptions renew automatically on either a monthly or annual basis, according to the plan you select.

6.2 Fees and Payment

You agree to pay all Fees for your Subscription, plus any applicable taxes. Fees will be billed in advance of each renewal term using the payment method you provided.

6.3 Refunds and Cancellation

You may cancel your Subscription at any time by contacting support@purelend.ai. Cancellation becomes effective at the end of the then‑current payment term; no prorated refunds are provided for unused portions of the term.

7. Term and Termination

7.1 Term

These Terms commence on your first access to the Service and continue for the duration of your Subscription.

7.2 Termination for Cause

Either party may terminate immediately upon written notice if the other party materially breaches these Terms and fails to cure within thirty (30) days after receipt of written notice.

7.3 Effect of Termination

Upon termination, your right to access the Service ends. We will retain your User Content for a period of thirty (30) days, after which it may be permanently deleted. You may export your data during the thirty‑day period following termination by contacting support@purelend.ai.

8. Intellectual Property

All rights, title, and interest in and to the Service, including all software, technology, and documentation, are and will remain owned by Purelend and its licensors. Subject to your compliance with these Terms, Purelend grants you a limited, non‑exclusive, non‑transferable, revocable license to access and use the Service during the Subscription term solely for your internal business purposes. You retain ownership of all User Content, but grant Purelend a worldwide, royalty‑free license to store, process, display, and transmit your User Content as necessary to provide the Service.

9. Confidentiality

Each party agrees to hold in confidence all non‑public, confidential, or proprietary information disclosed by the other party and to use it only for purposes of performing under these Terms. Confidential information does not include information that is or becomes publicly known through no breach of these Terms.

10. Privacy and Data Protection

Your use of the Service is subject to the Privacy Policy available at purelend.ai/privacy, which is incorporated herein by reference.

11. Warranties and Disclaimers

The Service is provided "as‑is" and "as available," without warranty of any kind. To the maximum extent permitted by applicable law, Purelend disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non‑infringement, and uninterrupted or error‑free operation.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Purelend's aggregate liability arising out of or relating to these Terms or your use of the Service will not exceed the total Fees paid by you during the three (3) months immediately preceding the event giving rise to liability, with annual Subscriptions prorated to a comparable quarterly amount. In no event will Purelend be liable for any indirect, incidental, special, consequential, or punitive damages.

13. Indemnification

You agree to indemnify and hold harmless Purelend, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to (a) your User Content; (b) your breach of these Terms; or (c) your violation of any applicable law.

14. Third‑Party Integrations

The Service may enable integration with third‑party services (e.g., credit reporting agencies, email delivery services, cloud storage providers, AI platform providers). Your use of such third‑party services is subject to the terms and privacy policies of those providers, and Purelend is not responsible for their practices.

15. Modifications to the Terms

We may modify these Terms from time to time. We will provide notice of material changes by posting a notice on the Service or sending you an email at least thirty (30) days before the changes take effect. Your continued use of the Service after the effective date constitutes your acceptance of the updated Terms.

16. Governing Law and Dispute Resolution

These Terms and any disputes arising from or relating to them will be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict‑of‑laws principles. The parties consent to the exclusive jurisdiction of the courts located in Calgary, Alberta for any disputes.

17. Miscellaneous

17.1 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

17.2 Waiver

No waiver of any right or remedy under these Terms will be effective unless in writing signed by the party granting the waiver.

17.3 Assignment

You may not assign or transfer these Terms or your rights under them without Purelend's prior written consent. Purelend may assign these Terms without restriction.

17.4 Entire Agreement

These Terms, together with the Privacy Policy and any order form or Subscription agreement, constitute the entire agreement between you and Purelend regarding the Service.

18. Contact Information

For questions regarding these Terms, billing inquiries, or technical support, please contact us at: