Terms of Service
These Terms govern access to and use of the mtge.ai platform, website, and related services (the "Service") by the organization that subscribes ("Customer") and its authorized users. An order form or master agreement signed with Customer controls if it conflicts with these Terms.
1. The Service
mtge.ai monitors agency, investor, regulatory, and Customer-designated internal sources and delivers cited answers, change alerts, and an audit trail to Customer's users. We may improve or modify features, but we will not materially reduce core functionality during a paid term without notice.
2. Accounts and users
Customer is responsible for its users, for keeping credentials confidential, and for configuring roles and permissions appropriately. Users must be employees or contractors acting on Customer's behalf. Customer will notify us promptly of any unauthorized use.
3. Customer Content
Customer retains all rights in the policies, overlays, documents, and questions it provides ("Customer Content"). Customer grants mtge.ai a limited license to host, index, and process Customer Content solely to provide the Service. Customer represents that it has the rights necessary to load its Customer Content, including any third-party investor or agency materials, and to authorize the uses described here.
4. Third-party sources and rights
Some monitored sources are governed by their publishers' terms. mtge.ai tracks rights status per source and will not surface a source in production answers until rights are resolved. Customer remains responsible for complying with license terms attached to sources it designates.
5. Nature of answers; no professional advice
mtge.ai provides information retrieved from and cited to identified sources to assist trained professionals. Answers are not legal, compliance, underwriting, or investment advice, do not constitute an agency or investor determination, and may not reflect a change published after the stated effective date. Customer is responsible for verifying answers against cited sources and for its own lending decisions.
6. Acceptable use
Customer will not:
- Resell, sublicense, or provide the Service to third parties, or use it to build a competing product.
- Attempt to extract, scrape, or bulk export monitored source content beyond what the Service is designed to return.
- Reverse engineer the Service, probe its security, or interfere with other customers' use.
- Upload content that infringes third-party rights or that Customer is not permitted to share.
7. Fees and term
Fees, seat counts, and subscription term are stated in the order form. Fees are invoiced annually in advance unless stated otherwise and are non-refundable except as expressly provided. Subscriptions renew for successive terms unless either party gives 60 days' notice.
8. Confidentiality and data
Each party will protect the other's confidential information with at least reasonable care and use it only to perform under these Terms. Our handling of personal information is described in the Privacy Policy, and our security commitments are described on the Security page; both are incorporated here.
9. Warranties and disclaimers
We warrant that the Service will perform materially as described in our documentation. Except as expressly stated, the Service is provided "as is," and we disclaim all other warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, and any warranty that answers will be complete, current, or error-free.
10. Limitation of liability
To the fullest extent permitted by law, neither party will be liable for indirect, consequential, special, or punitive damages, and each party's total liability under these Terms is limited to the fees paid or payable by Customer in the twelve months before the claim. These limits do not apply to breaches of confidentiality, misuse of the other party's intellectual property, or a party's indemnification obligations.
11. Suspension and termination
We may suspend access for non-payment or a material security risk after notice where practicable. Either party may terminate for uncured material breach on 30 days' written notice. On termination, Customer may export its Customer Content and audit records for 60 days, after which we delete them in accordance with our retention schedule.
12. General
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules, and disputes will be resolved in the state or federal courts located there. Neither party may assign these Terms without consent, except to a successor in a merger or sale of substantially all assets. If any provision is unenforceable, the remainder stays in effect. These Terms, the order form, the Privacy Policy, and the Security page are the entire agreement between the parties.