Terms of Service

Agents & Co. provides comprehensive underwriting services that deliver 75% faster decisions with 90% accuracy, including:

• Advanced Risk Assessment: Multi-factor analysis of 200+ risk variables across financial, behavioral, and market data
• Document Analysis & Verification: Automated validation of financial documents, income verification, and asset confirmation
• Intelligent Decision Engine: AI-powered underwriting decisions with complete rationale and risk scoring
• Regulatory Compliance Review: Built-in compliance checking across multiple jurisdictions and regulatory frameworks
• Real-time Processing: 2-hour average turnaround vs 5-10 day industry standard
• Performance Analytics: Comprehensive reporting on decision accuracy, processing times, and portfolio performance
• API Integration: Seamless integration with loan origination systems, CRM platforms, and existing workflows

Our platform serves multiple financial services sectors:

• Mortgage Lending: Residential and commercial mortgage underwriting with comprehensive risk analysis
• Commercial Real Estate: Property investment analysis and commercial lending decisions
• Business Loans: SBA loans, term loans, lines of credit, and equipment financing
• Insurance Underwriting: Property, liability, life, and specialty insurance risk assessment
• Specialty Finance: Asset-based lending, factoring, and alternative financing solutions
• Portfolio Analysis: Risk monitoring and portfolio performance optimization

While we maintain superior performance standards, we cannot guarantee:

• 100% uptime or uninterrupted service availability (though we target 99.9% uptime)
• Detection of all possible risk factors or market changes
• Accuracy of 100% of underwriting decisions (though we maintain 90% accuracy rate)
• Compatibility with all legacy systems or custom configurations
• Instant processing for extremely complex or atypical applications

We continuously improve our risk assessment models and decision accuracy through machine learning and market feedback.

Our proprietary AI technology analyzes financial data and risk patterns to provide intelligent underwriting insights:

• Multi-Dimensional Risk Modeling: Comprehensive analysis considering financial, market, and behavioral variables
• Document Intelligence: Advanced OCR and document verification with fraud detection capabilities
• Pattern Recognition: Identification of risk patterns and anomalies across large datasets
• Predictive Analytics: Forward-looking risk assessment based on market trends and economic indicators
• Compliance Automation: Real-time regulatory compliance checking and reporting
• Decision Transparency: Clear explanations and rationale for all underwriting decisions
• Continuous Learning: Models that improve accuracy through ongoing market feedback and performance data

Our AI systems continuously enhance decision accuracy through:

• Performance Feedback: Analysis of decision outcomes to refine risk models
• Market Adaptation: Real-time adjustment to changing market conditions and economic factors
• Regulatory Updates: Automatic incorporation of new regulatory requirements and guidelines
• Industry Benchmarking: Comparison with industry standards and best practices
• Quality Assurance: Ongoing monitoring and validation of decision accuracy

IMPORTANT: AI assistance is designed to support, not replace, professional underwriting expertise:

• AI decisions should be reviewed and validated by experienced underwriters
• Complex applications may require human judgment and industry knowledge
• AI cannot guarantee the accuracy or appropriateness of all risk assessments
• Underwriters remain responsible for final decisions, compliance, and risk management
• AI analysis may not capture all market nuances or exceptional circumstances
• All AI-assisted decisions should be subject to appropriate quality control processes

By using our Platform, you agree to:

• Use the Platform only for legitimate underwriting and risk assessment purposes
• Provide accurate and complete information about applications and financial data
• Comply with all applicable laws, regulations, and fair lending practices
• Maintain appropriate security measures for financial data and personal information
• Use AI-generated decisions responsibly and validate them according to professional standards
• Respect borrower privacy and confidentiality requirements
• Report security vulnerabilities or platform issues promptly

When submitting financial data to our Platform:

• Ensure you have proper authorization to process the financial information through our Platform
• Verify that all submitted data is accurate and complete
• Understand that financial data is processed by our AI systems for risk assessment
• Maintain confidentiality of borrower information and proprietary financial data
• Use appropriate access controls and permissions for team collaboration features
• Follow your organization's data governance and privacy policies

You may not use the Platform to:

• Process fraudulent or falsified financial documents or applications
• Attempt to reverse-engineer our risk assessment algorithms or proprietary systems
• Share, distribute, or republish our underwriting insights without permission
• Overload our systems with excessive requests or automated scripts
• Violate fair lending laws, anti-discrimination regulations, or consumer protection laws
• Use the Platform for illegal activities or to facilitate fraudulent transactions
• Share access credentials or circumvent usage limitations
• Extract or download large amounts of data for competitive purposes

When using our underwriting services:

• Adhere to all applicable financial services regulations and compliance requirements
• Maintain professional standards and ethical conduct in all underwriting activities
• Ensure proper documentation and audit trails for all underwriting decisions
• Respect borrower rights and fair lending principles
• Report any concerns about bias, discrimination, or unfair practices

We offer multiple subscription tiers designed for different underwriting needs:

• Individual Underwriter: Personal subscriptions for independent underwriters and brokers
• Team Plans: Multi-user accounts with shared workflows and collaboration features
• Enterprise Solutions: Custom implementations for large institutions with advanced compliance and integration
• API Access: Programmatic access to our underwriting analysis and decision services
• Volume Plans: High-volume processing for lenders with significant application flow

Subscription features, pricing, usage limits, and terms are detailed on our pricing page and may be updated periodically with advance notice.

Subscription plans include usage limits to ensure fair access for all users:

• Decision Volume: Number of underwriting decisions per month
• Application Limits: Maximum number of applications processed
• Team Members: Number of users per team plan
• API Calls: Request limits for API access plans
• Data Storage: Limits on decision history and document storage

Fair Use Policy: We reserve the right to limit usage that significantly impacts platform performance or availability for other users.

We use Stripe as our payment processor for secure, PCI-compliant billing. By subscribing, you agree to:

• Provide accurate and current billing information
• Authorize automatic recurring charges based on your subscription plan
• Pay all applicable taxes, fees, and charges
• Notify us immediately of any billing disputes or unauthorized charges
• Update payment information promptly to avoid service interruptions

Our cancellation and refund terms:

• Cancellation: Cancel your subscription anytime through your account settings
• Effective Date: Cancellations take effect at the end of your current billing period
• Refunds: Generally no refunds for partial billing periods
• New Customer Guarantee: Full refund available within 30 days for first-time subscribers
• Service Issues: Prorated refunds may be provided for extended service outages

Agents & Co. owns all rights to our Platform and proprietary technology, including:

• Risk Assessment Algorithms: Machine learning models, analysis algorithms, and underwriting automation systems
• Software & Platform: Underwriting software, applications, APIs, and user interfaces
• Risk Databases: Risk pattern databases, decision models, and underwriting knowledge bases
• Trademarks: Agents & Co. name, logos, and brand materials
• Trade Secrets: Proprietary risk assessment methods, algorithms, and underwriting techniques

You are granted a limited, non-exclusive, non-transferable license to use the Platform for your underwriting purposes in accordance with these Terms.

Regarding financial data and content you submit to our Platform:

• Data Ownership: You retain all rights to your financial data and borrower information
• Processing License: You grant us permission to analyze your data for underwriting purposes
• Pattern Usage: We may use anonymized risk patterns and insights to improve our AI systems
• Privacy Protection: Your specific financial data remains confidential and is not shared with other users
• Data Security: We implement strong security measures to protect your financial data and application information

Regarding AI-generated underwriting decisions and risk assessments:

• You may use AI-generated decisions and recommendations in your underwriting processes
• We make no warranties about the accuracy or effectiveness of AI-generated decisions
• You are responsible for validating and finalizing all underwriting decisions
• AI recommendations are based on data patterns and may not capture all risk factors
• Final underwriting decisions remain your responsibility and liability

We are committed to protecting your privacy and financial data security with enterprise-grade security measures and transparent data practices.

Our comprehensive Privacy Policy provides detailed information about:

• What financial information we collect and how we use it
• How our AI systems process your underwriting data
• Your privacy rights and data controls
• Security measures and data retention policies
• Financial data confidentiality and regulatory compliance

We implement comprehensive security measures specifically for financial data protection:

• Bank-Level Encryption: All financial data encrypted in transit and at rest
• GLBA Compliance: Full compliance with Gramm-Leach-Bliley Act requirements
• Isolated Processing: Financial data processed in isolated, secure environments
• No Permanent Storage: Sensitive financial documents processed in memory without persistent storage
• Access Controls: Strict role-based access controls and authentication requirements
• Audit Trails: Complete logging of all financial data access and processing

IMPORTANT DISCLAIMERS:

• No Guarantee of Risk Assessment: Our Platform provides assistance tools, not guaranteed risk detection or assessment
• AI Limitations: AI decisions may not be accurate, complete, or suitable for your specific use case
• Decision Accuracy: We cannot guarantee that AI-generated decisions will be correct or appropriate for all applications
• Market Changes: Our analysis may not reflect all market conditions, economic changes, or regulatory updates
• Professional Responsibility: Underwriters remain responsible for final decisions, compliance, and risk management

As a professional underwriter or financial services provider, you agree to:

• Thoroughly review all AI-generated decisions before implementation
• Conduct independent verification and due diligence as required
• Maintain appropriate documentation and audit trails
• Use Platform insights as supplementary information, not sole decision criteria
• Comply with all applicable regulations, fair lending laws, and professional standards
• Ensure proper risk management and quality control processes

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• WE ARE NOT LIABLE FOR ANY LOAN DEFAULTS, LOSSES, OR FINANCIAL DAMAGES RESULTING FROM UNDERWRITING DECISIONS
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR YOUR SUBSCRIPTION IN THE 12 MONTHS PRECEDING THE CLAIM
• WE ARE NOT LIABLE FOR REGULATORY VIOLATIONS, COMPLIANCE FAILURES, OR FAIR LENDING VIOLATIONS
• WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF LIABILITY, SO THESE LIMITATIONS MAY NOT APPLY TO YOU

You may terminate your account at any time by:

• Canceling your subscription through your account settings
• Contacting our support team at support@agents.dev
• Following the account deletion process in your profile settings

Termination becomes effective at the end of your current billing period, and you will retain access to paid features until that time.

We may suspend or terminate your account for:

• Violation of these Terms of Service
• Misuse of the Platform or abuse of our underwriting services
• Fraudulent activities or regulatory violations
• Excessive usage that impacts platform performance
• Non-payment of subscription fees
• Security threats or compliance violations

Upon account termination:

• Your access to the Platform will be immediately revoked
• Decision history and analytics will be retained for 30 days, then permanently deleted
• Team members will lose access to shared workflows and data
• API access and integrations will be disabled
• Some provisions of these Terms will survive termination (payment obligations, IP rights, etc.)

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes will be resolved in the state and federal courts of Delaware.

We may update these Terms periodically to reflect:

• New underwriting features or services
• Legal or regulatory changes
• Business practice updates
• Customer feedback and improvements

Material changes will be communicated through email or Platform notifications at least 30 days before taking effect.

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Agents & Co. regarding your use of the Platform.