Terms of Service

By creating an account, accessing the platform, or authorizing a user to do so, the brokerage ("Customer") accepts these terms. A person accepting on behalf of a company represents that they are authorized to bind it.

CloneALO grants Customer a non-exclusive, non-transferable right to use the platform during the subscription term for its internal mortgage origination and servicing operations, subject to these terms and the user counts on the order form.

Customer administers its own users, assigns roles, and removes access promptly when someone leaves. Credentials must not be shared. Customer is responsible for activity under its accounts and must report suspected compromise without delay.

• Do not upload data you lack the right or consent to process.
• Do not attempt to reach another brokerage's data, probe or bypass access controls, or test security without written authorization.
• Do not use the platform to send messages that violate consent, do-not-call, do-not-text, or quiet-hours rules.
• Do not reverse engineer, resell, or provide the platform to a third party as a service.
• Do not use the platform to make an unlawful, discriminatory, or unfair lending decision.
• Do not upload malware or interfere with the platform's operation or capacity.

CloneALO provides tooling; Customer remains the regulated party. Customer is responsible for its licensing, its disclosures and adverse-action notices, the accuracy of the loan file, its permissible purpose for any consumer report, its retention schedule, and its own supervision of staff.

Compliance features in the platform — consent capture, do-not-contact screening, quiet-hours checks, messaging gates, and audit logs — are controls Customer configures and supervises. They are not a legal opinion and do not transfer regulatory responsibility to CloneALO.

Where messaging is enabled, Customer must obtain and maintain the consent required for each recipient and channel, honor opt-outs immediately, and comply with carrier and campaign registration requirements. The SMS consent and messaging terms form part of this agreement.

The assistant produces drafts and suggestions that a person must review. Customer must not rely on it for credit, pricing, eligibility, or adverse-action decisions, and remains responsible for anything it sends or files.

Customer owns its data. CloneALO processes it only to provide and secure the platform, as described in the privacy policy and any data processing agreement. Customer may export its data during the term and may request export and deletion on termination.

Each party will protect the other's non-public information with at least reasonable care and use it only for this agreement, excluding information that is public, independently developed, or lawfully received from another source.

Service levels, support response times, and any maintenance windows are those stated in the order form or service-level agreement. Absent such a document, the platform is provided as available.

Fees, billing period, and renewal terms are stated on the order form. Fees are non-refundable except where the order form says otherwise. Taxes are Customer's responsibility.

Either party may terminate for material breach that remains uncured after written notice. CloneALO may suspend access immediately where continued use presents a security risk, a legal risk, or a threat to other customers, and will restore access once the cause is resolved.

Except as expressly stated in a signed agreement, the platform is provided without warranties of any kind, including merchantability, fitness for a particular purpose, and non-infringement. CloneALO does not provide legal, tax, accounting, or compliance advice, and nothing in the platform is such advice.

Neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data, except as limited by law. Each party's total liability is capped as set out in the signed agreement; absent one, at the fees paid in the twelve months before the claim.

Customer will defend and indemnify CloneALO against claims arising from its data, its lending decisions, its communications, or its violation of these terms or applicable law.

CloneALO may update these terms and will give notice of material changes; continued use after the effective date is acceptance. Governing law, venue, and dispute resolution are those stated in the signed agreement; absent one, notices go to cmadmin@clonalosupport.com or (949) 213-0795 (Mon–Fri, 8am–8pm PT). CloneALO is licensed under NMLS #2494525 — verify our license in the NMLS Consumer Access registry.