Terms of Service

1. Acceptance of Terms

By accessing or using Flowstate Mortgage's services, including our CRM platform, website, and related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

Flowstate Mortgage provides a cloud-based customer relationship management platform specifically designed for mortgage lenders, including:

• Automated workflow management and document processing
• Client communication and relationship management tools
• Compliance tracking and regulatory reporting
• Integration with third-party mortgage industry tools
• Analytics and reporting capabilities
• User account management and authentication services

3. User Accounts and Registration

To access certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

4. Subscription and Payment Terms

Subscription Plans:

We offer various subscription plans with different features and pricing. Current pricing is available on our website and may be updated from time to time.

Payment:

• Subscription fees are billed in advance on a monthly or annual basis
• All fees are non-refundable except as required by law
• You authorize us to charge your payment method for all fees
• We may suspend or terminate your account for non-payment

Price Changes:

We may modify subscription fees with 30 days' notice. Continued use after the effective date constitutes acceptance of new pricing.

5. Acceptable Use Policy

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Use the Service for any fraudulent or illegal activities
• Reverse engineer or attempt to extract source code
• Resell or redistribute the Service without authorization

6. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. You retain ownership of your data, and we will process it in accordance with our Privacy Policy and applicable data protection laws.

Data Security:

We implement industry-standard security measures, but you acknowledge that no system is completely secure. You are responsible for maintaining appropriate security measures for your data.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Flowstate Mortgage and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

License:

We grant you a limited, non-exclusive, non-transferable license to use the Service for your business purposes in accordance with these Terms.

8. Third-Party Integrations

The Service may integrate with third-party services (such as Salesforce, Microsoft Outlook, or Zillow). Your use of such integrations is subject to the third party's terms of service and privacy policies.

9. Service Availability and Support

We strive to maintain high service availability but do not guarantee uninterrupted access. We provide customer support during business hours and will use reasonable efforts to resolve issues promptly.

10. Termination

Either party may terminate these Terms at any time. Upon termination:

• Your access to the Service will cease
• You remain responsible for any outstanding fees
• We will provide reasonable opportunity to export your data
• We may delete your data after a reasonable retention period

11. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES AND SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES.

Our total liability shall not exceed the amount paid by you for the Service in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless Flowstate Mortgage from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

13. Governing Law and Disputes

These Terms are governed by the laws of Texas. Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14. Changes to Terms

We may modify these Terms at any time. We will provide notice of material changes and your continued use constitutes acceptance of the modified Terms.

15. Contact Information

For questions about these Terms, please contact us at: