Authorized mortgage teams and their staff use the service.
AI assists workflows; it does not replace professional judgment.
Your signed order or subscription terms govern commercial details.
1. Agreement to these terms
By accessing The Broker Bot website or service, you agree to these Terms of Use. If you use the service for a company, you represent that you are authorized to accept these terms for that company. If you do not agree, do not use the service.
A signed order form, subscription agreement, data-processing addendum, or other written agreement between us and a customer takes priority over these terms where the documents conflict.
2. Eligibility and accounts
The service is intended for businesses and authorized professional users who are at least 18 years old. You must provide accurate account information, keep credentials confidential, use multi-factor authentication when required, and promptly report unauthorized access.
Administrators control account membership and settings. A customer is responsible for actions taken through its account and for removing access when a user's role ends.
3. The service
The Broker Bot is an AI-assisted workflow product for mortgage teams. Depending on customer configuration, it can monitor connected conversation activity, prioritize inbound replies, prepare or send messages, update workflow stages, and help coordinate calls or application links.
Features may evolve. We may change or discontinue a feature, add safeguards, or temporarily restrict activity to maintain security, reliability, legal compliance, or third-party service health. We will use reasonable efforts to avoid material disruption.
4. Acceptable use
You may use the service only for lawful business purposes and in accordance with your agreement. You may not:
- Use it to violate privacy, consumer-protection, telemarketing, lending, discrimination, sanctions, or other applicable law.
- Send unlawful, deceptive, threatening, discriminatory, or abusive content.
- Misrepresent AI output as professional advice, a guaranteed offer, or a final credit or lending decision.
- Probe, bypass, disable, or interfere with security, account boundaries, usage controls, or opt-out handling.
- Upload malware; access another customer's data; scrape the service; or reverse engineer it except where law expressly permits.
- Resell access or use the service to build a competing model or product without written permission.
5. Customer responsibilities
The customer controls its lead sources, connected systems, message audience, workflow configuration, and users. The customer is responsible for:
- Having the permissions, notices, and consents required for the data and communications it directs through the service.
- Keeping contact, opt-out, assignment, and workflow information accurate in its systems of record.
- Reviewing settings before enabling live activity and maintaining appropriate human oversight.
- Ensuring that messages, offers, and claims comply with the customer's policies, licenses, approvals, and applicable law.
- Avoiding unnecessary sensitive personal information in ordinary SMS conversations.
6. Connected and third-party services
The service depends on customer-selected and third-party services, which may include Bonzo, Supabase, OpenAI, Anthropic, Stripe, scheduling tools, and application platforms. Their own terms govern their services. We are not responsible for third-party outages, changes, content, or actions outside our reasonable control.
The customer authorizes us to exchange information with connected services as needed to provide the configured functionality.
7. Fees and billing
Current standard company plans are Essential at $50 per month plus $0.01 per BrokerBot-sent message, Pro at $150 per month plus $0.02 per BrokerBot-sent message, and Max at $400 per month plus $0.05 per BrokerBot-sent message, unless an order or checkout page states otherwise. Every standard plan includes all loan officers without an additional per-seat platform fee. AI processing is additional and calculated from actual use. Essential and Pro use platform-paid OpenAI processing charged through BrokerBot. Max uses the customer's own Anthropic API key, and Anthropic bills Max processing directly. BrokerBot charges the applicable monthly plan fee, per-message charges, platform-paid OpenAI processing, and applicable taxes; Anthropic processing is not added to the BrokerBot charge. Billing starts immediately unless a written offer expressly includes a trial.
Processing estimates shown on the website or in the product are informational; actual token use varies by conversation. Fees are non-refundable except where required by law or stated in a written agreement. We may suspend paid features for overdue amounts after reasonable notice. Pricing changes apply prospectively and will be communicated before they take effect.
8. Ownership and feedback
Customers retain their rights in customer data and content. We and our licensors retain rights in the service, software, design, documentation, models, and related technology. We grant each customer a limited, non-exclusive, non-transferable right to use the service during its subscription.
If you provide feedback, you authorize us to use it without restriction or payment, provided we do not publicly identify you without permission.
9. Confidentiality and privacy
Each party will use reasonable care to protect the other's non-public business information and will use it only to perform or receive the service. This duty does not cover information that is public through no breach, already known without restriction, independently developed, or rightfully received from another source.
Our handling of personal information is described in the Privacy Policy. A separate data-processing addendum controls if the parties sign one.
10. Service disclaimers
The service is provided on an “as available” basis. To the extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not guarantee uninterrupted operation, perfect delivery, specific business outcomes, or that AI output will always be accurate or suitable.
Nothing in the service is legal, tax, financial, credit, or lending advice, and the service does not make lending decisions.
11. Limits of liability
To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, exemplary, or consequential damages, or for lost profits, revenues, goodwill, or data, even if advised that such loss was possible.
Unless a signed agreement states a different limit, each party's total liability arising from the service will not exceed the fees paid or payable for the service during the 12 months before the event giving rise to the claim. These limits do not apply where they are prohibited by law or to obligations that a signed agreement expressly excludes from the limit.
12. Suspension and termination
A customer may stop using the service or cancel according to its order and billing terms. We may suspend access when reasonably necessary to address a security threat, unlawful activity, material breach, non-payment, or risk to customers or third parties. Where practical, we will provide notice and an opportunity to cure.
After termination, access ends. Data return and deletion follow the applicable agreement and Privacy Policy. Provisions that by their nature should survive—including payment, ownership, confidentiality, disclaimers, and liability limits—remain effective.
13. General terms
You may not assign these terms without our written consent, except as part of a merger, acquisition, or sale of substantially all relevant assets. We may assign them in connection with a corporate reorganization or transaction. Neither party is responsible for delay caused by events beyond its reasonable control.
If part of these terms is unenforceable, the rest remains in effect. A failure to enforce a term is not a waiver. Electronic notices and signatures are valid where permitted. The governing law and dispute process in a signed customer agreement control; otherwise, the parties will first try in good faith to resolve a dispute informally.
14. Contact
Questions about these terms can be sent to info@ethanwood.org.
These public terms are a practical product baseline. Obtain legal review before relying on them for a production launch or a regulated customer agreement.