Terms

1. Agreement

These terms govern use of the Underwrite Compliance platform. Where a signed order form or master agreement exists, that document governs and these terms fill the gaps it leaves.

2. Licence

We grant a non exclusive, non transferable right to use the platform during the term, for your own operation and for the operations you are contracted to administer. You may not resell access, benchmark the service for publication without telling us first, or attempt to derive the source of the compliance controls.

3. Your responsibilities

The platform enforces controls. It does not assume your obligations. You remain responsible for compliance with the Credit Repair Organizations Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act where it applies to your activity, the Telemarketing Sales Rule where you sell or communicate by telephone, and every state registration, bonding and disclosure requirement that applies to you.

In particular you are responsible for the accuracy of the values you register in the tenant. The platform prints what you enter. It does not verify a registration number or a bond amount on your behalf and does not represent that any value is current.

4. Acceptable use

• Do not use the platform to make representations about outcomes to consumers.
• Do not use it to charge a consumer before a service is fully performed. The engine will refuse the invoice; attempting to work around it is a breach of these terms as well as of the statute.
• Do not submit disputes without a basis, or resubmit an item on a schedule in place of a new basis.
• Do not share seats. A seat is a person, and the audit trail is only worth something if it names one.
• Do not test security against another operator's tenant. Test against your sandbox, and tell us what you find.

5. What we do not warrant

We warrant that the platform will perform materially as documented. We do not warrant any outcome of any dispute, any decision by any consumer reporting agency or furnisher, or that your use of the platform makes you compliant. Compliance is a property of your operation, not of your software vendor.

6. Availability and support

Recovery objectives and the incident record are published on thesecurity page. Support response times are on thecontact page and in your order form. Planned maintenance is announced at least seven days ahead, and statutory clocks continue to run during it.

7. Fees

Per seat and per case, as published on the pricing page or as stated in your order form, billed monthly in arrears. Seat changes are prorated to the day. There are no overage charges because there are no included allowances.

8. Your data

Your data is yours. We process it as described in the privacy policy and in the data processing addendum. You can export it at any time, signed and hash chained, in the format the audit trail is written in. Export is not a paid feature and never will be.

9. Confidentiality

Each side protects the other's confidential information with at least the care it applies to its own, and uses it only to perform the agreement. Consumer data is confidential in every direction and is never used for our own purposes.

10. Term and termination

Twelve months, renewing at the same rate unless we give ninety days notice of a change. Either side may terminate for material breach that stays unremedied for thirty days after notice. On termination you get a final signed export generated on the last day of service, and the chain stays verifiable after your access ends.

11. Liability

Neither side is liable for indirect or consequential loss. Our aggregate liability is limited to the fees paid in the twelve months before the claim. Nothing here limits liability that cannot be limited by law.

12. Changes to these terms

Material changes are notified to tenant administrators thirty days ahead. Continuing to use the platform after that period means the change is accepted. Changes to a compliance control ship in a numbered release and appear on the changelog as well.

13. Governing law

The laws of the State of Texas, without regard to conflict of laws principles, and the state and federal courts sitting in Travis County, Texas.