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Terms of Service

Please read these terms carefully before using EZRateSheet

Last updated: January 15, 2025

1. Acceptance of Terms

By accessing and using EZRateSheet ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

EZRateSheet is a Software-as-a-Service (SaaS) platform designed for private real estate lenders to:

  • Capture and manage loan deal information
  • Calculate interest rates and pricing using customizable models
  • Generate professional term sheets and loan documents
  • Manage approval workflows and team collaboration
  • Integrate with customer relationship management (CRM) systems
  • Access reporting and analytics dashboards

3. User Accounts and Registration

3.1 Account Creation

To use certain features of the Service, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

3.2 Account Security

You are responsible for safeguarding the password and all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3.3 Account Termination

We reserve the right to terminate or suspend your account at any time, with or without cause, and with or without notice, for conduct that we believe violates these Terms of Service.

4. Use of the Service

4.1 Permitted Use

You may use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

  • For any unlawful purpose or to solicit others to unlawful acts
  • To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
  • To infringe upon or violate our intellectual property rights or the intellectual property rights of others
  • To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
  • To submit false or misleading information

4.2 Data Accuracy

You are responsible for the accuracy of all data entered into the Service. While our platform provides calculation tools, you remain responsible for verifying all rates, terms, and conditions before presenting them to borrowers.

5. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

6. Intellectual Property

6.1 Service Content

The Service and its original content, features, and functionality are and will remain the exclusive property of EZRateSheet and its licensors. The Service is protected by copyright, trademark, and other laws.

6.2 User Content

You retain ownership of any content you submit to the Service. However, you grant us a worldwide, royalty-free license to use, modify, and display such content solely for the purpose of providing the Service.

7. Payment Terms

7.1 Subscription Fees

Use of certain features of the Service requires payment of subscription fees. All fees are exclusive of taxes, levies, or duties imposed by taxing authorities.

7.2 Billing

Subscription fees are billed in advance on a monthly or annual basis depending on your selected plan. Payment is due immediately upon subscription or renewal.

7.3 Refunds

Except where required by law, all subscription fees are non-refundable. We do not provide refunds or credits for any partial subscription periods.

8. Limitation of Liability

In no event shall EZRateSheet, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

9. Disclaimer

The information on this Service is provided on an "as is" basis. To the fullest extent permitted by law, this Company:

  • Excludes all representations and warranties relating to this Service and its contents
  • Does not warrant that the Service will be constantly available, or available at all
  • Makes no warranty that the Service is free from infection by viruses or anything else that has contaminating or destructive properties

10. Indemnification

You agree to defend, indemnify, and hold harmless EZRateSheet and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

11. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

13. Governing Law

These Terms shall be interpreted and governed by the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

14. Contact Information

If you have any questions about these Terms of Service, please contact us at:

  • Email: legal@ezratesheet.com
  • Address: EZRateSheet Legal Department
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