Terms of Service

1. Agreement to terms

These Terms of Service (the “Terms”) are a binding agreement between you and Mina Pro (“Mina Pro,” “we,” “us,” or “our”). They apply to the Mina Pro mortgage loan management platform, our websites, and any related applications or services (collectively, the “Services”). If you are entering into these Terms on behalf of an organization, you represent that you have authority to bind that organization.

2. The Services

Mina Pro provides software for mortgage brokers, processors, lenders, and borrowers to manage loan files from application through closing, including loan-file management, AI-assisted summaries, document tracking, conditions tracking, and related workflow tools. We may add, change, or remove features from time to time.

3. Accounts and eligibility

You must provide accurate account information and keep it up to date. You are responsible for safeguarding your credentials and for all activity that occurs under your account. You must be at least 18 years old and able to form a binding contract. Notify us promptly of any unauthorized use of your account.

4. Acceptable use

You agree not to:

• Use the Services in violation of any applicable law, regulation, or third-party right;
• Upload unlawful, infringing, or malicious content, or attempt to introduce malware;
• Probe, scan, or test the vulnerability of the Services or circumvent security controls;
• Access the Services to build a competing product, or resell the Services without authorization;
• Use the Services to send unsolicited communications in violation of applicable law.

5. Customer data and mortgage information

You and your organization retain ownership of the data you submit to the Services, including borrower and loan information (“Customer Data”). You grant us a limited license to host, process, and transmit Customer Data solely to provide and improve the Services and as permitted in our Privacy Policy. Where we process personal data on your behalf, our Data Processing Addendum applies. You are responsible for obtaining any consents required to submit Customer Data, including borrower consents, and for your compliance with mortgage, lending, privacy, and consumer-protection laws applicable to your business.

6. Fees and payment

Paid plans are billed in advance on a recurring basis and may include per-seat and per-file charges as described at the time of purchase. Fees are non-refundable except as required by law. We may change pricing on renewal with prior notice. You are responsible for applicable taxes.

7. Third-party services

The Services integrate with third-party products (for example, email, e-signature, payments, mapping, and AI providers). Your use of those products is governed by their own terms, and we are not responsible for third-party services. Enabling an integration may involve sharing Customer Data with that provider at your direction.

8. Intellectual property

We and our licensors own all rights in the Services, including software, design, and trademarks. Except for the rights expressly granted here, no license is granted to you. Feedback you provide may be used by us without restriction.

9. Confidentiality

Each party may access confidential information of the other. The receiving party will protect such information and use it only to perform under these Terms, except where disclosure is required by law.

10. Disclaimers

The Services are provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Mina Pro is a software tool and does not provide legal, financial, or compliance advice; you remain responsible for the accuracy and regulatory compliance of your loan files and disclosures.

11. Limitation of liability

To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or data. Our aggregate liability arising out of or relating to the Services will not exceed the amounts you paid to us in the twelve months preceding the event giving rise to the claim.

12. Indemnification

You will defend and indemnify Mina Pro against third-party claims arising from your Customer Data, your use of the Services in violation of these Terms, or your violation of applicable law.

13. Term and termination

These Terms apply while you use the Services. You may stop using the Services at any time. We may suspend or terminate access for material breach, non-payment, or to comply with law. Upon termination, your right to use the Services ends; provisions that by their nature should survive will survive. Data export and deletion are handled as described in our Privacy Policy and Data Processing Addendum.

14. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice. Continued use of the Services after changes take effect constitutes acceptance.

15. Governing law

These Terms are governed by the laws of the United States and the state in which Mina Pro is established, without regard to conflict-of-laws principles. The courts located in that jurisdiction will have exclusive jurisdiction over disputes, except where applicable law provides otherwise.

16. Contact

Questions about these Terms can be sent to legal@minapro.io.