Terms of Service

Welcome to MLOAssistant.com ("the Site"), a web property of Neobiz Ventures LLC ("Company," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Site.

1. Acceptance of Terms

By accessing MLOAssistant.com, including any content, functionality, AI-powered tools, and services offered on or through the Site, you accept and agree to be bound by these Terms and our Privacy Policy, incorporated herein by reference. We reserve the right to update these Terms at any time. Continued use of the Site following any changes constitutes acceptance of the revised Terms.

2. Description of Services

MLO Assistant provides AI-powered prompt templates, articles, guides, and related content designed to help mortgage loan officers improve their productivity and marketing. Our services include:

• AI-generated content tools (prompt templates with AI-generated outputs)
• Educational articles and guides related to mortgage industry tools and workflows
• Links and references to third-party tools and services

3. AI-Generated Content Disclaimer

Content generated by AI tools on this Site is provided for informational and productivity purposes only. You acknowledge and agree that:

• AI-generated content may contain inaccuracies, errors, incorrect calculations, or outdated information
• Calculations, rates, payment amounts, amortization schedules, and any other numerical outputs from AI tools must be independently verified using your LOS, pricing engine, or other authoritative source before being shared with clients or used in any professional context
• You are solely responsible for reviewing, editing, and verifying all AI-generated content before use
• AI-generated content does not constitute legal, financial, compliance, or professional advice
• You must ensure any content used in your mortgage business complies with all applicable federal, state, and local regulations, including RESPA, TILA, ECOA, TCPA, CFPB guidelines, and state-specific advertising rules
• We are not responsible for any regulatory violations, penalties, losses, or damages resulting from your use of AI-generated content, including but not limited to inaccurate calculations or financial data

4. User Responsibilities

When using the Site, you agree to:

• Use the Site and its tools only for lawful purposes
• Not use AI tools to generate misleading, deceptive, or fraudulent content
• Not attempt to reverse engineer, scrape, or interfere with the operation of the Site
• Not submit any personally identifiable borrower information into the AI tools (the prompts are designed for general scenarios, not specific client data)
• Comply with your employer's and licensing body's policies regarding AI usage

5. Intellectual Property

All content on the Site -- including text, graphics, design, layout, articles, and prompt templates -- is the property of Neobiz Ventures LLC or its content suppliers and is protected by applicable intellectual property laws.

AI-generated output produced by our tools is provided for your personal and professional use. You may use, modify, and incorporate AI-generated outputs into your own marketing and business communications. You may not resell, redistribute, or commercially repurpose the prompt templates or Site content itself without written permission.

6. Third-Party Links and Tools

The Site contains links to third-party websites and references to third-party tools (e.g., Zapier, Make, ChatGPT, Microsoft Copilot, Jasper, ThirdFloor AI, etc.). These are provided for convenience and educational purposes. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites or services. Use of third-party tools is subject to their respective terms and conditions.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Neobiz Ventures LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities, arising out of or related to your use of the Site, AI-generated content, or reliance on any information provided.

The Site and all content are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Indemnification

You agree to indemnify, defend, and hold harmless Neobiz Ventures LLC and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney's fees) arising out of or in any way connected with your use of the Site, violation of these Terms, or infringement of any third-party rights.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Travis County, Texas.

10. Termination

We reserve the right to suspend or terminate your access to the Site at any time, for any reason, without prior notice. Upon termination, all provisions of these Terms which by their nature should survive will survive, including intellectual property provisions, disclaimers, indemnification, and limitations of liability.

11. Contact

If you have any questions about these Terms, please contact us or write to: