Acceptable Use Policy

Updated September 15, 2022

This Acceptable Use Policy expresses actions that LoanOfficer.ai LLC. (“LoanOfficer.ai”) restricts when a client of LoanOfficer.ai or any third party (“Counterparty”) uses any LoanOfficer.ai services or products (“LoanOfficer.ai Services”). Including the terms and acceptable uses and prohibitions held within this policy, the LoanOfficer.ai Services may not be used in any illegal, destructive, or other manner that interferes with the business or activities of any other party. 

We hold the right to change fees and services based on the mean usage across our network. We do this to avert illegal activities and abuse of our subscription service. In most cases, other than giving in detail above, we do not place restrictions on your account. Nevertheless, we hold their right to change services and fees if usage significantly exceeds the appropriate amount used on our systems or begins to affect the usage of the system for other users. While we aim to only adjust in extremely rare circumstances, we must make sure fair access to the system for all clients. If we elect to limit a user’s access to any feature, whenever possible the client will be provided with an improved option to gain additional usage in that particular area.

Responsible Use

• Under any circumstances DO NOT use LoanOfficer.ai to send messages to phone  numbers that were not handed to you or your organization directly . This does include contacts that were acquired or purchased from a third-party list provider.
• Under any circumstances DO NOT use LoanOfficer.ai to start:
  • Political campaign messages  which do include messages for soliciting votes or messages involving any local or general election campaign.
  • Telemarketing or any advertising messages – including any solicitation message constructed to persuade the purchase of goods or services. In simple terms, don’t use our service to press people to purchase something.
  • Charity donation messages – including any solicitations for donations to help a non-profit or NGO.
  • Reminder: Even though some of the above-listed messages could be perfectly legal in certain circumstances, we decline to allow this particular  traffic on our network.
• Always identify your organization or yourself in your messages
• Pay attention to the time zones you are sending messages to, specifically when sending messages across several time zones.
• Even though our service allows receivers to decline from receiving your messages if they answer your messages or calls, you should have a method in order to allow people to opt-out by other procedures such as emailing or calling you. You should follwo this up by placing opt-outs in our opt-out page, or remove these numbers from your calling lists/emailing lists—particularly both.
• When advertising a keyword, you should clearly describe the type of messages you will be sending.
• Follow every law and regulation affecting our services, which include but are not limited to:
  • The Federal Trade Commission (FTC) oversees the Telemarketing Sales Rule and gives guidance on complying with it. Other helpful instructions from the FTC are: rules on prohibiting unwanted prerecorded commercial calls and amendments to the Telemarketing Sales Rule regarding pre recorded calls.
  • Always observe state laws where the messages will be sent for any more restrictions, as states can enact more restrictive requirements than the federal laws mentioned above.
  • The Federal Communications Commission (FCC) enforces the Telephone Consumer Protection Act (TCPA), has regulations implementing the TCPA, and released content on July 10, 2015, further clarifying its regulations.
  • The Federal Do-Not-Call registry rules.

You, and our Users are responsible for using LoanOfficer.ai and you, your organization, and your users are entirely liable for all use of our service in violation of any applicable law, along with this Responsible User Policy.

Forbidding Use

At LoanOfficer.ai, keeping our favorable public image is supreme to our platform, but rely on our users to be a part of that. That being stated, you and any of our users must not:

• Send junk mail known as spam. Spam can be in the form of bulk emails or one to one commercial emails or messages.
  • You must be able to point to an opt-in form as proof or show other evidence of consent for all commercial or marketing emails you send.
• Include in your Websites, Campaigns, Advertisements, or account or sell in your Store any material that wasn’t made by you, giving for you to use, or that would violate anyone’s rights. That also includes all text, pictures, graphics, and other content.
• Use any falsified or incorrect names, addresses, emails, subject lines, or other intel in the Service or in any Campaigns created, managed,organized or sent using our Service.
• Share confidential information such as passwords .
• Destroy, decipher, disassemble, or reverse engineer any of the Software.
• Use  the Software to make a competing product.
• Send marketing emails that do not have a LoanOfficer.ai unsubscribe mechanism or send emails that use an external unsubscribe system.
• Set up several accounts for any person or organization in order to send similar content, unless you’re directly part of a franchise or company.
• Import or incorporate any of this information into any account, audience, emails, or otherwise upload to our servers: Social Security numbers, passwords, security credentials, or sensitive personal information.
• Send Campaigns that will be sent to receivers as text, MMS, or SMS messages unless using a feature designed exactly for that purpose.
• Upload or send email Campaigns to purchased, rented, third-party, co-reg, publicly available data, or partner lists of any kind.
• Forward or send out personal mail. 
• Send material created in LoanOfficer.ai through 3rd party service.
• Host any images on our servers for any agenda other than for your use of the Service.
• Host material on our servers for any purpose other than for your use of the Service.
• Send large scale emails, meaning emails directed to a number of individuals with the same content, through Transactional (Mandrill).
  • Transactional is built for transactional email. Please use LoanOfficer.ai campaigns for your bulk sending.
• Send large scale  emails, meaning commercial or marketing emails directed to a large number of people with the same material, through LoanOfficer.ai Inbox.
  • LoanOfficer.ai Inbox is created for one-to-one messages. Please use LoanOfficer.ai campaigns for all your bulk sending projects. 
  • If you do send a message through LoanOfficer.ai that may be considered a commercial or marketing communication under applicable law, you can certainly use:
• Opt-out Footer to obey with applicable law and provide your Contacts with the ability to unsubscribe from one-to-one messages sent through Inbox.
• Sell or offer to sell any counterfeit products or products that violate the intellectual property rights of others, which includes copyright, design or patent rights, and trademark.

The list below gives examples of restricted activities. This list is giving by way of example & should not be considered comprehensive:

• Attempting to go around or break any security mechanism on any of the LoanOfficer.ai Services or using the LoanOfficer.ai Services in any other way that presents a security or service risk to LoanOfficer.ai or any of its users.
• Testing or reverse-engineering the LoanOfficer.ai Services in order to find compromises, vulnerabilities or evade filtering capabilities.
• Launching or managing, whether intentionally or unintentionally, a denial of service attack on any of the LoanOfficer.ai Services or any other actions that impacts the availability, reliability or balance of the LoanOfficer.ai Services.
• Use of LoanOfficer.ai Services or any LoanOfficer.ai given by API for a use other than allowed by LoanOfficer.ai in writing or in LoanOfficer.ai’s sole and absolute discretion.
• Transfer any content that contains viruses, trojan horses, worms,phishing schemes or any other malicious, harmful, or harmful programs.
• Using the LoanOfficer.ai Services in any way that violates any applicable industry standards, third party policies or rules that LoanOfficer.ai may communicate to its users, including without limitation, all of the applicable guidelines published by the CTIA, the Mobile Marketing Association or any other accepted industry associations, carrier guidelines or other industry standards.
• Engaging in any unsolicited advertising, marketing or other activities, including, without limitation, any activities that violate anti-spam statutes and regulations including, but not limited to, the CAN SPAM Act of 2003, the Telephone Consumer Protection Act, and the Do-Not-Call Implementation Act.
• Using the LoanOfficer.ai Services in connection with any unwanted or harassing messages  including but not limited to unsolicited or unwanted phone calls, text messages, voice mail, faxes and emails.
• Using LoanOfficer.ai Services to harvest or otherwise collect data about others, including email addresses, phone numbers and addresses.
• Using LoanOfficer.ai Services to engage in illegal activity with respect to 3rd parties.
• Violating or facilitating the violation of any local, state or foreign law, including laws regarding the transfer of data or software.
• Taking any action to motivate or promote any activity restricted under this Acceptable Use Policy.
• Transmitting any content that breaches the intellectual property rights or other rights of third parties.
• Transmitting any material that contains defamation, libel, discriminatory remarks, or otherwise malicious or harmful to any person or organization
• Creating a false id or falsified email address or header, or phone number, or otherwise attempting to mislead others as to the id of the sender or the origin of a message, phone call or email.
• LoanOfficer.ai may charge you for any third party services (“Third Party Charges” or “TPC”). If you wish to opt out of certain TPCs, contact support@LoanOfficer.ai to inform LoanOfficer.ai that you do not want to use these services or that you would like to opt out.

Any forbidding activity mentioned above, or as decided in LoanOfficer.ai’s sole and absolute discretion, shall be cause for immediate cancellation of LoanOfficer.ai’s services to a client, third party, or any Counterparty.

This Agreement will become active upon any of these conditions: 1) You begin using any of LoanOfficer.ai’s services or products; 2) You agree and accept  this Agreement online electronically; or 3) You sign your name to this Agreement in writing. The provisions of this agreement related to legal consent, immunity, and choice of forum for disputes shall survive the cancellation of this agreement.