Terms of Service

Welcome to LoanPulse. These Terms of Service (“Terms“) constitute a legally binding agreement between you (“Customer,” “you,” or “your“) and Secure Systems, Inc., a Delaware corporation (“Company,” “we,” “us,” or “our“), governing your access to and use of the LoanPulse platform, including all related websites, applications, APIs, and services (collectively, the “Service“).

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms. If you do not agree to these Terms, you may not access or use the Service.

1. Agreement to Terms

1.1 Eligibility. You must be at least 18 years of age and capable of forming a binding contract under applicable law to use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements.

1.2 Entity Authorization. If you are using the Service on behalf of a business, organization, or other entity, you represent and warrant that you are authorized to bind that entity to these Terms. In such cases, “you” and “your” refer to both the individual and the entity.

1.3 Additional Agreements. Certain features of the Service may be subject to additional terms, policies, or guidelines (“Supplemental Terms“). Supplemental Terms will be presented to you for acceptance before you access the applicable feature. In the event of a conflict between these Terms and any Supplemental Terms, the Supplemental Terms shall control with respect to the applicable feature.

2. Description of Service

2.1 Platform Overview. LoanPulse is a cloud-based customer relationship management (CRM) platform designed for mortgage professionals, loan officers, and lending organizations. The Service provides tools for lead management, pipeline tracking, automated communications, Knowledge Base, reporting and analytics, and related functionality.

2.2 Service Availability. We use commercially reasonable efforts to make the Service available 24 hours a day, 7 days a week. However, the Service may be temporarily unavailable due to scheduled maintenance, upgrades, or circumstances beyond our reasonable control. We will endeavor to provide reasonable advance notice of any planned downtime.

2.3 Modifications to Service. We reserve the right to modify, update, or discontinue any feature or functionality of the Service at any time, with or without notice. We will use commercially reasonable efforts to notify you of material changes to the Service that may adversely affect your use.

3. Account Registration

3.1 Account Creation. To access the Service, you must create an account by providing accurate, complete, and current registration information. You agree to update your account information promptly to keep it accurate and current.

3.2 Account Security. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We shall not be liable for any loss or damage arising from your failure to protect your account credentials.

3.3 Account Types. The Service supports individual accounts and multi-user team accounts. If you are a team administrator, you are responsible for managing team member access, permissions, and compliance with these Terms by all users under your account.

3.4 One Account Per User. Each individual user must maintain a single account. Creating multiple accounts for the purpose of circumventing usage limits, obtaining additional trial periods, or any other purpose is prohibited.

4. Subscription Plans & Billing

4.1 Plans. The Service is offered through various subscription plans with different features, user limits, and pricing as described on our pricing page at loanpulse.com/pricing. Plan details, including pricing, may be updated from time to time, and we will provide at least thirty (30) days’ advance notice of any price increases affecting your active subscription.

4.2 Billing Cycle. Subscription fees are billed in advance on a monthly or annual basis, depending on the billing cycle you select. All fees are stated in United States dollars (USD) unless otherwise specified.

4.3 Payment Authorization. By providing a payment method, you authorize us to charge the applicable subscription fees to your designated payment method at the beginning of each billing cycle. You are responsible for ensuring that your payment information is current and accurate.

4.4 Taxes. Subscription fees are exclusive of all applicable taxes, levies, and duties. You are responsible for paying all such taxes, excluding only taxes based on our net income. If we are required to collect or pay taxes on your behalf, such taxes will be added to your invoice.

4.5 Late Payments. If we are unable to process payment for your subscription, we will attempt to notify you and may retry the charge. If payment remains outstanding for more than fifteen (15) days past the due date, we reserve the right to suspend your access to the Service until payment is received. Accounts with payment outstanding for more than sixty (60) days may be terminated.

4.6 Plan Changes. You may upgrade or downgrade your subscription plan at any time through your account settings. Upgrades take effect immediately, and you will be charged a prorated amount for the remainder of the current billing cycle. Downgrades take effect at the beginning of your next billing cycle.

5. Free Trials

5.1 Trial Period. We may offer a free trial period for new customers. The duration and features included in the trial will be specified at the time of registration. During the trial period, you will have access to the Service at no charge.

5.2 Trial Conversion. At the end of the free trial period, your account will not automatically convert to a paid subscription. You must actively select a paid plan to continue using the Service. If you do not select a paid plan, your access to paid features will be suspended, but your data will be retained for ninety (90) days.

5.3 Trial Limitations. Free trials are limited to one per individual, company, or organization. We reserve the right to determine trial eligibility, to limit or modify trial features, and to terminate any trial at any time if we reasonably believe the trial is being abused.

6. Cancellation & Refunds

6.1 Cancellation by Customer. You may cancel your subscription at any time through your account settings at Settings → Billing → Cancel Subscription. Cancellation takes effect at the end of your current billing period, and you will retain access to the Service until that date. No partial refunds will be issued for unused portions of a billing period.

6.2 Annual Plan Refunds. If you are on an annual billing plan, you may request a full refund within thirty (30) days of the initial purchase or most recent renewal date. Refund requests after this period will not be honored. To request a refund, contact billing@loanpulse.com.

6.3 Cancellation by Company. We reserve the right to suspend or terminate your account at any time if you violate these Terms, engage in prohibited conduct, or fail to pay applicable fees. In the event of termination for cause, no refund will be issued.

6.4 Effect of Cancellation. Upon cancellation or termination, your right to access the Service immediately ceases (or at the end of the billing period, in the case of voluntary cancellation). Your data will be retained for ninety (90) days following cancellation, during which time you may export your data. After this retention period, your data will be permanently deleted in accordance with our data retention policies.

7. Acceptable Use

7.1 Permitted Use. You may use the Service solely for lawful business purposes related to mortgage lending, loan origination, or related financial services activities, and in compliance with all applicable laws, regulations, and industry standards.

7.2 Prohibited Conduct. You agree not to:

(a) Use the Service in violation of any applicable federal, state, or local law or regulation, including but not limited to the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, Fair Debt Collection Practices Act (FDCPA), and state-specific telemarketing and privacy laws;

(b) Send unsolicited communications, spam, or messages to individuals who have not provided valid consent;

(c) Upload, transmit, or store any content that is unlawful, defamatory, harassing, threatening, fraudulent, or infringing upon intellectual property rights;

(d) Attempt to gain unauthorized access to the Service, other users’ accounts, or any systems or networks connected to the Service;

(e) Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service;

(f) Use the Service to develop a competing product or service, or to benchmark the Service for competitive purposes without prior written consent;

(g) Resell, sublicense, or distribute access to the Service to any third party without prior written authorization;

(h) Use automated scripts, bots, or scrapers to access the Service in a manner that exceeds reasonable usage or impairs Service performance;

(i) Interfere with or disrupt the integrity or performance of the Service or the data contained therein.

7.3 Compliance Responsibility. You are solely responsible for ensuring that your use of the Service — including all communications sent through the platform — complies with applicable laws and regulations. The inclusion of compliance tools within the Service (such as opt-in tracking, DNC list checking, and send-time restrictions) does not constitute legal advice, and you should consult your own legal counsel regarding compliance obligations.

7.4 Enforcement. We reserve the right to investigate and take appropriate action against any violation of this Section 7, including removing content, suspending or terminating accounts, and reporting violations to law enforcement authorities.

8. Intellectual Property

8.1 Company IP. The Service, including all software, algorithms, user interface design, graphics, trademarks, logos, and documentation, is the exclusive property of Secure Systems, Inc. or its licensors and is protected by United States and international intellectual property laws. These Terms do not grant you any right, title, or interest in the Service, except for the limited right to use the Service in accordance with these Terms.

8.2 Customer Data. You retain all ownership rights to data, content, and materials you upload, submit, or transmit through the Service (“Customer Data“). By using the Service, you grant us a limited, non-exclusive, royalty-free license to use, process, and display Customer Data solely as necessary to provide and improve the Service.

8.3 Feedback. If you provide us with suggestions, ideas, feedback, or recommendations regarding the Service (“Feedback“), you grant us an unrestricted, perpetual, irrevocable, royalty-free license to use, modify, and incorporate such Feedback into the Service without obligation to you.

8.4 Aggregated Data. We may collect, use, and disclose aggregated, anonymized, or de-identified data derived from your use of the Service for purposes of analytics, benchmarking, product improvement, and marketing, provided that such data does not identify you or any individual. You acknowledge and agree that aggregated data is the property of the Company.

9. Data & Privacy

9.1 Privacy Policy. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, available at loanpulse.com/privacy. By using the Service, you acknowledge that you have read and agree to the Privacy Policy.

9.2 Data Security. We implement commercially reasonable administrative, technical, and physical safeguards designed to protect Customer Data, including TLS 1.3 encryption in transit, AES-256 encryption at rest, and SOC 2 Type II certified hosting infrastructure. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

9.3 Data Processing. To the extent that Customer Data includes personal data subject to applicable data protection laws, the parties agree that (a) you act as the data controller with respect to such personal data, and (b) we act as the data processor, processing personal data on your behalf and in accordance with your instructions as communicated through the Service. Upon request, we will enter into a Data Processing Agreement (DPA) incorporating standard contractual clauses as necessary.

9.4 Data Export. You may export your Customer Data at any time through the data export functionality available in your account settings. We support export in CSV and JSON formats. Following account cancellation or termination, you will have ninety (90) days to export your data before it is permanently deleted.

9.5 Data Breach Notification. In the event of a data breach that affects Customer Data, we will notify you without undue delay and in accordance with applicable law. Notification will include, to the extent known, the nature of the breach, the data affected, the measures taken or proposed to address the breach, and recommended steps you may take to mitigate potential harm.

10. Third-Party Services

10.1 Integrations. The Service may integrate with or provide access to third-party services, applications, and platforms (“Third-Party Services“), including but not limited to Zillow, LendingTree, Google, Facebook, Twilio, Stripe, Zapier, and various loan origination systems. Your use of any Third-Party Service is subject to that service’s own terms and conditions and privacy policies.

10.2 No Endorsement. The availability of Third-Party Service integrations does not constitute an endorsement, recommendation, or guarantee by us. We are not responsible for the performance, accuracy, availability, or security of any Third-Party Service.

10.3 Data Sharing. By enabling an integration with a Third-Party Service, you authorize us to exchange data with that service as necessary to provide the integration functionality. You are responsible for reviewing the data practices of any Third-Party Service you connect to the platform.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, we do not warrant that: (a) the Service will be uninterrupted, timely, secure, or error-free; (b) the results obtained from the Service will be accurate or reliable; (c) the Service will meet your specific requirements or expectations; or (d) any defects in the Service will be corrected.

Any content, data, or information obtained through the Service is accessed at your own risk, and you are solely responsible for any damage to your systems or loss of data resulting from your use of the Service.

12. Limitation of Liability

12.1 Exclusion of Consequential Damages. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SECURE SYSTEMS, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12.2 Aggregate Liability Cap. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO US DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100.00).

12.3 Basis of the Bargain. The limitations of liability set forth in this Section 12 are fundamental elements of the basis of the bargain between you and the Company. The Service would not be provided without such limitations.

13. Indemnification

You agree to indemnify, defend, and hold harmless Secure Systems, Inc. and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law, regulation, or third-party right; (d) any Customer Data you upload, transmit, or store through the Service; or (e) any communications sent through the Service on your behalf.

14. Dispute Resolution & Arbitration

14.1 Informal Resolution. Before initiating any formal dispute resolution proceeding, you agree to first contact us at legal@loanpulse.com and attempt to resolve the dispute informally for at least thirty (30) days. Most disputes can be resolved through informal negotiation.

14.2 Binding Arbitration. If a dispute cannot be resolved informally, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (“AAA“) in accordance with its Commercial Arbitration Rules then in effect. The arbitration shall be conducted by a single arbitrator in Wilmington, Delaware, or at another mutually agreed location. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

14.3 Class Action Waiver. YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of class or representative proceeding.

14.4 Exceptions. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights. Additionally, disputes involving amounts less than $10,000 may be brought in small claims court.

15. Governing Law

These Terms and any dispute arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. To the extent that any legal action or proceeding is permitted under these Terms to be filed in court (including matters excepted from arbitration), such action shall be brought exclusively in the state or federal courts located in New Castle County, Delaware, and you consent to the personal jurisdiction of such courts.

16. Modifications to Terms

16.1 Right to Modify. We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email, in-app notification, or by posting the revised Terms on our website at least thirty (30) days before the changes take effect.

16.2 Acceptance of Changes. Your continued use of the Service after the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Service before the effective date.

16.3 Version History. Previous versions of these Terms are available upon request by contacting legal@loanpulse.com.

17. General Provisions

17.1 Entire Agreement. These Terms, together with the Privacy Policy and any applicable Supplemental Terms, constitute the entire agreement between you and the Company with respect to the Service and supersede all prior or contemporaneous communications, agreements, and understandings, whether written or oral.

17.2 Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

17.3 Waiver. The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by the Company.

17.4 Assignment. You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets.

17.5 Force Majeure. Neither party shall be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, labor disputes, government actions, power failures, internet or telecommunications failures, or cyberattacks.

17.6 Notices. Notices to the Company should be sent to the address specified in Section 18 below. Notices to you will be sent to the email address associated with your account. Notice shall be deemed given when delivered personally, when sent by confirmed email, or three (3) business days after being sent by registered or certified mail, postage prepaid.

17.7 No Third-Party Beneficiaries. These Terms are intended solely for the benefit of the parties hereto and do not create any rights in or obligations to any third party.

17.8 Relationship of the Parties. Nothing in these Terms shall be construed to create a partnership, joint venture, agency, or employment relationship between you and the Company. Neither party has the authority to bind the other or to incur obligations on the other’s behalf.

17.9 Survival. Sections 7, 8, 9, 11, 12, 13, 14, 15, and 17 shall survive any termination or expiration of these Terms.

18. Contact Information

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

© 2026 Secure Systems, Inc. All rights reserved. LoanPulse is a registered trademark of Secure Systems, Inc.
Incorporated in the State of Delaware.