Terms of Service

Effective Date: August 2025

Please read these Terms of Service (“Terms”) carefully before using MortgageNerd.ai (the “Site”) and the services, features, content, or applications offered by The Mortgage Nerd (“Company,” “we,” “our,” or “us”). Together, these offerings are referred to as the “Services.” By registering, accessing, or using our Services, you agree to these Terms, as well as our Privacy Policy, which is incorporated by reference.

1. Eligibility

You must be at least 18 years of age to use MortgageNerd.ai. By using the Services, you represent and warrant that you meet this requirement. We reserve the right to refuse access to anyone at our discretion.

2. Accounts

To use MortgageNerd.ai, you must register for an account. You agree to provide accurate and complete information and to update such information as needed. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

3. Subscription & Billing

MortgageNerd.ai operates as a subscription-based platform.

  • Recurring Billing: By subscribing, you authorize us (through our payment processor) to charge your chosen payment method on a recurring basis (e.g., monthly).
  • Cancellation: You may cancel your subscription anytime through your account settings; however, we do not provide prorated refunds for partial billing cycles.
  • Payment Processor: All payments are processed by third-party providers (e.g., Stripe). Their terms and policies apply in addition to ours.

4. AI Coaching Services

MortgageNerd.ai provides AI-powered coaching and related educational resources for loan officers and mortgage professionals. While we strive for accuracy and usefulness, we do not provide financial, legal, or investment advice. You are solely responsible for decisions made using information from our Services.

5. User Conduct

You agree not to:

  • Use the Services for unlawful purposes.
  • Share your login with others outside your business.
  • Upload, post, or transmit content that is defamatory, obscene, infringing, or otherwise objectionable.
  • Attempt to disrupt or interfere with the security, availability, or functionality of the Services.

6. Intellectual Property

All content, branding, and software provided through MortgageNerd.ai remain the property of The Mortgage Nerd or its licensors. You are granted a limited, non-transferable, non-exclusive license to access and use the Services solely for your personal or professional development.

7. Termination

We reserve the right to suspend or terminate your account if you violate these Terms. You may stop using the Services at any time.

8. Disclaimer & Limitation of Liability

The Services are provided “as is” and “as available.” We make no warranties of any kind, express or implied, regarding the Services. To the maximum extent permitted by law, The Mortgage Nerd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenues, or data.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Collin or Denton County, Texas.

10. Changes to Terms

We may update these Terms at any time. Continued use of the Services after changes are posted constitutes acceptance of those changes.

11. Contact

The Mortgage Nerd

Frisco, Texas

Email: denise@mtgnerdgroup.com

By using MortgageNerd.ai, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.