Terms & Conditions (Licensee Agreement)

Effective Date: October 2025

Last Updated: September 29, 2026

1. Overview

These Terms & Conditions ("Agreement") govern access to and use of the Hompwr platform, software, and related tools ("Service") provided by HOMPWR, LLC, a California limited liability company ("Hompwr," "we," "us," or "our"). The Service is offered in the United States.

By creating an account, accepting an invitation, starting a trial, purchasing a subscription, or otherwise clicking to accept, you agree to this Agreement. If you do not agree, do not use the Service.

A person who only opens a shared quote link or an approval document does not become an account holder by doing so. The account holder who created that quote or document remains responsible for it.

2. Nature of the Service

Hompwr provides a presentation and calculation platform for licensed mortgage loan officers and real estate agents. Hompwr is not a lender, mortgage broker, or real estate brokerage. Hompwr does not originate, underwrite, approve, deny, or fund loans, and does not engage in real estate transactions.

Quotes, charts, payment estimates, extracted statement values, scenarios a recipient adjusts, and approval documents are illustrations prepared by the user. They are not a Loan Estimate, Closing Disclosure, rate lock, appraisal, commitment to lend, preapproval, or prequalification unless the licensed user separately issues a document that meets the law that applies to that user. Calculations and extracted values can be wrong. Rates and payments can change.

Hompwr does not provide legal, compliance, tax, underwriting, or lending advice, and does not determine whether a quote, advertisement, approval, message, or practice complies with any law.

AI suggestions. Some features use artificial intelligence, as the Privacy Policy describes, to suggest a fee category, whether a fee counts toward APR, values read from an uploaded document, or a standardized address. A suggestion is a starting point, not a finance-charge determination or a compliance review. You can change the category and the APR setting, and you are responsible for the values you keep, including their effect on an APR you present. Do not put a borrower's name, Social Security number, account number, or contact information in a fee name.

3. Who this Agreement binds

Individual signup. If you create an account yourself, including with a personal payment card, you contract as an individual. You represent that your employing company allows you to use the Service and to submit client information, and that you will follow that company's policies, including privacy, information-security, recordkeeping, and advertising rules. Your employer does not become a party to this Agreement because you are required to follow its policies.

Enterprise or team signup. If a company creates an enterprise or team account and provisions its users, that company is the contracting party ("Customer"). The Customer is responsible for its administrators, loan officers, agents, and other users. Their use is the Customer's use. The person who accepts this Agreement for the Customer represents that they have authority to bind the Customer.

We do not monitor files you upload, and we do not check whether your employer owns a file or has allowed the upload. You represent that you have authority to submit every file and every item of client information you submit.

4. Eligibility and account types

The Service is designed for mortgage and real estate professionals and for the clients those professionals choose to show a quote or an approval.

  • Loan officers: Individuals who are licensed to originate mortgage loans in the jurisdictions where they use the Service.
  • Real estate agents: Individuals who are licensed to represent buyers or sellers where they use the Service. An agent may download an approval a loan officer has set, and may change only the fields section 8 allows.
  • Administrators and team members: People a Customer authorizes to manage or use that Customer's account, including support staff.
  • Clients: People who receive or view a quote or an approval without creating an account.

Hompwr does not verify professional licenses. You represent that the information you give us is accurate, that you hold any license your own activity requires, and that your use complies with applicable licensing and regulatory requirements and with your employing lender's policies.

5. Subscriptions, trial, and refunds

  • Paid subscription fees apply to loan officer access to quoting, deals, and related tools. The price and billing period are shown at checkout.
  • A new subscription includes a 14-day trial. A payment card is required to start the trial. We do not charge the subscription fee during the trial. Unless you cancel before the trial ends, the subscription converts to the paid plan shown at signup and we charge the payment method you provided. The subscription then renews automatically for successive periods of the same length until you cancel.
  • You may choose monthly billing or a discounted annual prepayment, as offered at checkout.
  • You can cancel automatic renewal in account settings under billing, or by emailing [email protected]. Cancellation stops future renewal charges. It does not, by itself, refund a charge already made.
  • Subscription fees are non-refundable, except for the money-back guarantee in the next bullet. Cancelling during the 14-day trial, before the first subscription charge, means that charge is not made.
  • 90-day money-back guarantee. A first-time subscriber who is dissatisfied may request a refund of subscription fees paid for that subscription. The request must be emailed to [email protected] within 90 days after the subscription starts. This guarantee is limited to one refund per subscriber.
  • We may change prices. A price change applies to a later renewal, and we will give you prior notice before it applies to you.
  • Card payments are processed by Stripe. Hompwr does not store full payment card numbers. Stripe's terms apply to the payment processing.

6. License and acceptable use

Hompwr grants you a limited, non-exclusive, non-transferable license to use the Service during your subscription, in accordance with this Agreement. You will not:

  • Reverse engineer, copy, or resell any part of the Service, except as the law allows despite this sentence;
  • Misrepresent a figure, or present a quote or approval in a deceptive or non-compliant way;
  • Remove, hide, or contradict a disclaimer Hompwr displays on a shared quote, message, or approval;
  • Use the Service to violate any federal, state, or local law, or any licensing rule;
  • Share login credentials, or let an unlicensed person set loan terms through your account;
  • Use the Service, or links from it, in bulk or automated text campaigns, or to text anyone who has opted out;
  • Post or transmit unlawful, defamatory, infringing, or misleading content;
  • Upload a consumer credit report, or a file containing a Social Security number, full bank or credit-card number, date of birth, government identifier, or similar sensitive data, to a quote, approval, message, or other page that can be opened from a shared link.

You grant Hompwr a non-exclusive license to host, reproduce, transmit, display, and back up content you submit, solely to operate the Service. That license includes showing a shared quote, its attachments, and an approval document to anyone who has the link or the file. You keep ownership of your content.

Hompwr has no duty to monitor user content, quotes, attachments, approvals, or messages, and does not guarantee that it will find prohibited data. Hompwr may remove content or suspend access at any time.

7. Your compliance responsibilities

Each loan officer, real estate agent, and Customer is solely responsible for complying with the laws that apply to their own activity. Those laws may include TILA and RESPA, Regulation Z, the SAFE Act, ECOA, fair housing and equal-opportunity rules, the TCPA, CAN-SPAM, the Gramm-Leach-Bliley Act, state licensing and advertising rules, and state privacy laws.

You are responsible for the accuracy of every figure you publish and for including the disclosures your advertisement, quote, or approval requires, including NMLS identification, state license numbers, and the Equal Housing mark where those rules apply to you. Hompwr's sample text is a starting point, not a compliance review.

You will not give or accept access to the Service, co-branded materials, approval documents, client introductions, or any other thing of value as compensation for the referral of settlement-service business, except where RESPA and other applicable law allow that arrangement. Hompwr does not negotiate or supervise your referral arrangements.

You are responsible for exporting and keeping the records your regulator, investor, or employer requires. Hompwr is not your system of record for those duties.

8. Quotes, shared links, and approval documents

Quotes. You control the assumptions in a quote you create. A person you share the quote with may adjust charts and additional-principal settings. Adjusted figures are still illustrations. They are not locked loan terms unless you separately issue a document that is.

Quote links are built to be hard to guess and are not intended to be indexed by search engines. Anyone who has a link can view that quote and its attachments. Shared quote pages are not designed to display the client's phone number or email address. You are responsible for who receives the link. Hompwr does not control forwarding, copying, screenshots, or printing.

Approvals. An approval or similar document generated in the Service is your document, or your Customer's document. It is not Hompwr's. Hompwr does not underwrite the loan and does not appear in the signature block as the party making the decision. You will not state or imply that Hompwr issued, approved, denied, or stands behind a credit decision.

We may provide sample approval language, including a statement that the document is not a commitment to lend, and space for the originating party's legal name and NMLS ID. You may edit the text. You will not remove, contradict, or obscure:

  • The statement that the document is not a commitment to lend;
  • The legal name of the originating company or licensed individual;
  • The NMLS ID and any state license number required for that letter; or
  • Any other disclosure the law requires you to include.

You will not add Hompwr as the issuer in the signature block. An approval document may show the client's name and the subject property address. You are responsible for that disclosure and for who receives the file.

Agents. A real estate agent you invite may download an approval you have set. The agent may change the down payment, the purchase price, and the property address only inside the limits you set. The agent may not set the interest rate, loan product, or other approval terms outside those limits. You are responsible for the limits you set, for the agents you invite, and for the document they download.

9. Text messages and email

Text messages. The Service can text a quote link to your own phone number, from a telephone number Hompwr controls. The Service does not text your clients. You can reply STOP to that number to stop texts from the Service.

If you forward a quote link, or any other content from the Service, to a client by text, you send that message from your own phone or account, and it is your message. You will forward a text to a client only if:

  • You have the consent the Telephone Consumer Protection Act and applicable state law require for that message;
  • The message identifies you or your company in a way the client would recognize; and
  • You honor opt-outs and you keep records of consent.

A text may be transactional or marketing depending on its content and on how you got the number. You are responsible for that distinction. Hompwr does not obtain the client's consent for you. You will not use the Service, or links from it, for bulk or automated text campaigns.

We may suspend messaging on an account if we receive a complaint or a carrier notice. Suspending messaging does not reduce your responsibility for messages you have already sent.

Email. If you send email through the Service, you are responsible for the content, the recipients, and compliance with CAN-SPAM and similar laws. When the message is a commercial email, that responsibility includes a working unsubscribe and a valid postal address. We transmit the message at your direction, either from your own connected mailbox or from [email protected]. Email sent from your connected mailbox does not carry a Hompwr unsubscribe link or postal address; you must add them when the law requires.

10. Data, privacy, and authority to submit client information

The Hompwr Privacy Policy is part of this Agreement. You may submit client information only when you have authority to do so, including any consumer authorization and any employer approval your company's policy requires.

You instruct Hompwr to process client information to provide the Service, including to display quotes and approvals, send messages you initiate, and, if you connect one, to send information to a CRM or other system you enable. You also instruct Hompwr that it may deidentify or aggregate information from your account as the Privacy Policy describes. Hompwr does not sell or license deidentified or aggregate information today.

For an enterprise Customer, and for loan officers using the Service under that Customer's account, Hompwr acts as a service provider and processor on the Customer's instructions in this Agreement. Consumers should direct privacy requests about that Customer's files to the Customer. Hompwr will reasonably assist the Customer with verified requests, consistent with our role and with what we actually retain.

An individual loan officer who signs up on their own is the customer for that account. That loan officer is responsible for requests from their clients about information on that account, and for following their employer's privacy policy. The employer's policy does not replace this Agreement between the loan officer and Hompwr.

11. Mortgage statement data-capture

Hompwr offers an optional feature that uses Google Cloud Document AI to extract only the following values from an uploaded mortgage statement, to prefill calculators: interest rate, monthly escrow dues, monthly interest amount, monthly principal amount, payment due date, property address, remaining balance, and total payment due. Beyond the transient processing needed to extract those values, Hompwr does not retain, from that upload, the consumer's name, full account number, Social Security number, date of birth, or the statement image.

Names and property addresses that a user types into a contact, quote, or approval are a different record. Those are kept as part of the user's content, as the Privacy Policy describes. Attaching the statement itself to a shared quote is a prohibited upload under section 6.

11A. Purpose

User-level extracted values are used to help the user prepare illustrative estimates. They are not a credit decision, a commitment, or an offer. Deidentified or aggregate derivatives may be used only as section 5 of the Privacy Policy describes. We do not use statement images, raw extraction text, or user content to train machine-learning models.

11B. Your duties and prohibited uploads

Users, including loan officers and their support staff, are solely responsible for (i) obtaining any consumer authorization required by law or company policy before uploading a statement, (ii) checking extracted data before sharing a result, and (iii) complying with applicable law and company policy.

Do not upload:

  • Social Security numbers, full bank or credit-card numbers, dates of birth, or other sensitive data the extraction does not need; or
  • A document about a person who has not authorized you to upload it, where authorization is required.

11C. Advertising and regulatory duties

Estimates from this feature may trigger duties under TILA and Regulation Z, UDAAP, ECOA and Regulation B, the Gramm-Leach-Bliley Act and Regulation P, the FTC Safeguards Rule, and state privacy laws. You are responsible for making sure any presentation, including a quote you share, is accurate and includes the disclosures those rules require of you, such as an APR when you use a trigger term.

11D. Logging, security, and subprocessors

Use of the feature may be logged (for example user ID, time, account or company, deal or contact ID, and technical metadata) for security and audit. Hompwr keeps an information-security program appropriate to the sensitivity of the information the Service handles. The program includes encryption in transit and at rest, role-based access, logging and monitoring, vulnerability management, a secure development process, and incident response, as further described in the Privacy Policy.

Hompwr uses service providers under contracts that require them to protect the information. Mortgage statements are read by Google Cloud Document AI, and the Service is hosted on Vercel and on Google Cloud and Firebase. Payment cards are processed by Stripe.

12. Quote attachments and other user content

Quote attachments are files and links a user adds to a quote, including PDFs, images, videos, and web links. Anyone with the quote link can view the attachments. Hompwr does not review attachments before they become available.

By adding an attachment or other content, you represent that:

  • You have the right to publish it, including any authorization required from the person it is about and from your company if the company owns it;
  • It is appropriate for the audience you are giving the link to; and
  • It does not include a consumer credit report, Social Security number, full bank or credit-card number, date of birth, government identifier, or other information that creates a risk of identity theft if someone opens the link.

If you believe a quote link contains prohibited information, email [email protected]. After we confirm the report, we will disable access to the reported file. You may also remove an attachment yourself. Removal does not reduce the uploader's responsibility for having added it.

If you believe content infringes a copyright, send a notice to [email protected] that identifies the work, the material you believe is infringing, your contact information, and a statement under penalty of perjury that you are authorized to act and that the use is not authorized. We may remove the material and, where appropriate, suspend a repeat offender.

13. Retention, export, suspension, and termination

  • While your account is open, quotes, attachments, contacts, and approval documents stay until you or Hompwr remove them.
  • After the account ends, you have 30 days to request an export of user content by emailing [email protected]. After that window, Hompwr may delete it. Copies may remain in backups until those backups are overwritten.
  • Hompwr may suspend or close an account, remove content, and keep logs, without a refund except where the 90-day guarantee applies, if we reasonably believe a user uploaded prohibited data, misstated a license or authority, sent messages without required consent, or created a security or legal risk for a consumer or for Hompwr.
  • Deidentified or aggregate information may be retained as the Privacy Policy describes.
  • Ending an account does not end obligations that this Agreement says will survive.

14. Disclaimers and limitation of liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT THE LAW ALLOWS, HOMPWR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. HOMPWR DOES NOT WARRANT UNINTERRUPTED OPERATION OR THE ACCURACY OF ANY OUTPUT, INCLUDING CALCULATIONS, EXTRACTED STATEMENT VALUES, AI-SUGGESTED FEE CATEGORIES AND APR SETTINGS, BORROWER-ADJUSTED SCENARIOS, AGENT-ADJUSTED FIELDS, QUOTES, OR APPROVAL DOCUMENTS. HOMPWR DOES NOT VERIFY, ENDORSE, OR GUARANTEE ANY FIGURE, STATEMENT, OR DOCUMENT A USER PRODUCES.

TO THE FULLEST EXTENT THE LAW ALLOWS, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOST GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR THIS AGREEMENT, WHETHER OR NOT THE PARTY WAS ADVISED OF THE POSSIBILITY.

TO THE FULLEST EXTENT THE LAW ALLOWS, EACH PARTY'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THIS AGREEMENT WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO HOMPWR FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100).

The cap in this section does not limit:

  • Your obligation to indemnify Hompwr under section 15;
  • Your liability for user content, messages you send, or misuse of the Service; or
  • Liability that cannot be limited under applicable law, including Hompwr's fraud or willful misconduct.

15. Indemnification

You will defend, indemnify, and hold harmless Hompwr, LLC and its officers, directors, employees, contractors, and service providers from and against any claims, damages, liabilities, penalties, and expenses (including reasonable attorneys' fees) arising out of or relating to:

  • Your use or misuse of the Service, or a quote, approval, attachment, or message a person receives because of you;
  • Your breach of this Agreement, including a representation that you had authority, a license, or consent;
  • Your violation of any law or third-party right, including RESPA, TILA, ECOA, fair housing, the TCPA, CAN-SPAM, the Gramm-Leach-Bliley Act, state licensing rules, and privacy laws;
  • Content you upload, link, text, email, or otherwise publish, including quote attachments and approval documents;
  • A client, borrower, applicant, agent, regulator, or carrier claim about your quotes, approvals, advertisements, or messages; or
  • If you are a Customer, the acts of your users and administrators.

Hompwr will give you prompt notice of a claim (and a delay excuses you only to the extent you are prejudiced). You will control the defense with counsel Hompwr may reasonably accept. You will not settle a claim in a way that imposes any obligation on Hompwr, or any admission by Hompwr, without Hompwr's prior consent. Hompwr may participate with its own counsel at its own expense.

16. Disputes, arbitration, and governing law

This Agreement is governed by the laws of the State of California, without regard to conflict-of-law rules. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.

Before filing a claim, the party will email the other a short description of the dispute and the relief sought. Account-holder notices to Hompwr go to [email protected]. Hompwr will send notices to the email on the account. The parties will try in good faith to resolve the dispute for 30 days after that notice.

If the dispute is not resolved, it will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will be held in the California county of Hompwr's principal place of business, unless the parties agree to video conference. The arbitrator may award any individual relief a court could award for that claimant's own claim, and may not preside over a class, collective, or representative proceeding.

YOU AND HOMPWR WAIVE ANY RIGHT TO A JURY TRIAL AND ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. This waiver does not waive a right to seek public injunctive relief that California law does not allow a party to waive.

Either party may bring an individual action in small claims court instead of arbitration, in the small claims court that has jurisdiction. Either party may go to court to seek temporary injunctive relief to protect confidential information or intellectual property, or to compel arbitration.

This section binds account holders, Customers, and users who accept this Agreement. It does not bind a person whose only contact with Hompwr is opening a link someone else sent them.

17. Changes to these Terms

We may update this Agreement. If a change is material, including a change to fees, to dispute resolution, or to how we use personal information, we will email the address on the account before the change takes effect. The updated Agreement will show a new "Last Updated" date. If you continue to use the Service after the effective date, you accept the updated Agreement. If you do not agree, cancel before that date.

18. Other terms

  • Survival. Sections that by their nature should survive do survive the end of an account, including sections 7, 8, 9, 10, 12, 13, 14, 15, 16, and 18.
  • Assignment. You may not assign this Agreement without our consent. We may assign it in connection with a merger, financing, or sale of the business, or to an affiliate.
  • Entire agreement. This Agreement and the Privacy Policy are the entire agreement between you and Hompwr about the Service. If a Customer has a signed order or data-processing addendum with Hompwr, the signed document controls if it conflicts with this Agreement.
  • Severability. If a provision is unenforceable, it will be modified to the minimum extent required, and the rest will remain in effect. If the class-action waiver is found unenforceable as to a claim, that claim will proceed in court and the other claims will remain in arbitration.
  • Force majeure. Neither party is liable for a delay caused by events outside its reasonable control. This does not excuse a payment obligation or an indemnification obligation.
  • Notices. Your notices to Hompwr go to [email protected]. Keep the email on your account current.

19. Contact

Questions or notices may be sent to: