You are responsible for the accuracy of your account information, for safeguarding your credentials, and for all activity under your account. You must promptly notify us of any unauthorized use. Certain B2B and administrative functions may require a verified email address.

• Paid plans (Starter, Growth, Institution) and add-ons are billed in advance on a monthly or annual basis through our payment processor, Stripe.
• Subscriptions renew automatically for successive periods at the then-current price unless cancelled before the renewal date.
• You authorize us to charge your payment method for all fees, applicable taxes, and renewals.
• Upgrades take effect immediately and are prorated; downgrades take effect at the end of the current billing period.

Trials provide time-limited access without a payment card. At the end of a trial, the embed is disabled unless you subscribe. We may modify or discontinue trials at any time.

You may cancel at any time from the billing portal; cancellation stops future renewals and the subscription remains active through the end of the paid period. Except where required by law, fees already paid are non-refundable. Deleting an organization cancels its subscription.

• Do not embed the widget on domains you do not control or are not authorized to configure.
• Do not attempt to access data, tenants, or accounts that are not yours, or to bypass plan entitlements or security controls.
• Do not use the Services to violate law, infringe rights, or transmit malicious code.
• Do not misrepresent the calculators as binding loan offers or as your institution's underwriting decision.

The calculators are educational modeling tools. Outputs are estimates based on the inputs and assumptions provided and do not constitute a loan estimate, pre-approval, credit decision, commitment to lend, or an offer of any specific rate or term. Default rates are national averages updated periodically; customers may configure their own default rates and are responsible for the accuracy of any rates and disclosures they configure. Actual loan terms depend on underwriting and may differ materially.

You retain ownership of your branding, logos, disclaimer text, domains, and configuration ("Customer Content"). You grant us a limited license to host and display it solely to provide the Services. You are responsible for ensuring your Customer Content and configured disclosures comply with applicable advertising, lending, and accessibility requirements.

Our handling of personal data is described in the Privacy Policy. For B2B customers where we process widget analytics on your behalf, the Data Processing Addendum applies and is incorporated by reference.

We aim for high availability but, except where a separate written SLA is signed with an Institution customer, the Services are provided on a commercially reasonable, best-effort basis without a guaranteed uptime commitment. Support is provided by email; response targets vary by plan.

We may suspend or limit access for non-payment, suspected abuse, security risk, or violation of these Terms. Where practical we will provide notice and an opportunity to cure.

Agencies participating in the channel-partner program are additionally bound by the Channel Partner Agreement provided to them. Commissions are paid on software subscription revenue only and are not, and may not be represented as, compensation for the referral of mortgage or settlement-service business.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTY REGARDING THE ACCURACY OF FINANCIAL CALCULATIONS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IOTA-HOME WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS OR DATA. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THE SERVICES WILL NOT EXCEED THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

We may update these Terms. Material changes will be reflected by the "Last Updated" date and, where appropriate, by notice. Continued use after changes take effect constitutes acceptance.

These Terms are governed by the laws of the United States and the state in which Iota-Home is organized, without regard to conflict-of-laws rules. The specific venue and any dispute-resolution terms will be confirmed on legal review.

Questions about these Terms? contact@iota-home.com