Terms of Service

1. Acceptance of Terms

By accessing or using BpsHawk, you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use the platform. These terms apply to all users, including loan officers and administrators.

2. Description of Service

BpsHawk is a mortgage pricing and client management tool designed for loan officers. The platform provides LLPA-adjusted rate calculations, client tracking, loan scenario comparisons, and rate change notifications. BpsHawk is an informational tool and does not provide financial advice, lending services, or loan origination.

3. User Accounts

To use BpsHawk, you must sign in using Google OAuth. By signing in, you agree that:

• You are authorized to use the Google account you sign in with
• You will provide accurate and complete information
• You are responsible for all activity under your account
• You will notify us immediately of any unauthorized access to your account

Account access and roles (Loan Officer or Admin) are managed by platform administrators.

4. Acceptable Use

You agree not to:

• Use BpsHawk for any unlawful purpose
• Attempt to access other users' client data or bypass access controls
• Use automated scripts, bots, or scrapers to extract data from the platform
• Interfere with or disrupt the platform's infrastructure
• Share your account credentials or allow others to access your account
• Upload malicious content, including through CSV imports or data entry

5. User Data and Privacy

Your use of BpsHawk is also governed by our Privacy Policy, which describes how we collect, use, and protect your data. Client mortgage data that you enter into the platform remains your data. You are responsible for ensuring you have the appropriate consent to enter client information into the system.

6. Intellectual Property

The BpsHawk platform, including its design, code, pricing algorithms, and documentation, is the intellectual property of BpsHawk. You may not copy, modify, distribute, or reverse-engineer any part of the platform. Client data you enter into the platform belongs to you, and you retain all rights to that data.

7. Disclaimer of Warranties

BpsHawk is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the platform will be uninterrupted, error-free, or that calculated rates will be accurate for lending decisions. Rate calculations are based on the pricing data entered by administrators and the LLPA matrices configured in the system. You should independently verify all rates before using them in any lending or advisory capacity.

8. Limitation of Liability

To the maximum extent permitted by law, BpsHawk shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of the platform. BpsHawk is not responsible for financial decisions, lending decisions, or business outcomes based on information provided by the platform.

9. Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms or for any other reason at our discretion. You may request account deletion at any time. Upon termination, your access to the platform will cease and your data will be handled in accordance with our Privacy Policy.

10. Changes to Terms

We may update these Terms of Service from time to time. If we make significant changes, we will notify users through the application. Your continued use of BpsHawk after any changes indicates your acceptance of the updated terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of the platform shall be resolved through binding arbitration.