Effective Date: July 7, 2025
Welcome to MLO Hub. These Terms and Conditions (“Terms”) govern your use of the MLO Hub mobile application (“App”) and related services. By accessing or using the App, you agree to be bound by these Terms.
1. Eligibility
MLO Hub is intended for professionals working in the mortgage industry. By requesting access, you represent and warrant that you are a licensed loan originator, mortgage professional, or actively employed in a related role. We reserve the right to deny or revoke access at our discretion.
2. Use of the App
You agree to use MLO Hub only for lawful purposes and in a way that does not violate the rights of others. You must not:
Impersonate another person or falsely claim affiliation with any organization
Use the App to solicit, advertise, or recruit users for your business without permission
Post or share content that is defamatory, illegal, abusive, or otherwise inappropriate
We reserve the right to remove content and suspend or terminate accounts that violate these rules.
3. Community Content
The App includes access to community-driven content, training resources, and discussions. While we aim to maintain a high standard, we do not guarantee the accuracy, completeness, or usefulness of content posted by other users.
You use all community content at your own risk. Always consult applicable compliance guidelines and seek professional advice when necessary.
4. Paid Content and Offers
Some communities or contributors may offer paid upgrades, courses, or services. These are optional, and MLO Hub does not process payments or handle billing for third-party offers. Users are responsible for understanding any separate terms before engaging with paid content.
5. Data and Privacy
We collect limited information to verify users and provide access to the App. This may include your name, email, employer, or NMLS number. We do not sell, rent, or share your personal information with third parties for marketing purposes.
See our Privacy Policy for full details on how we handle your data.
6. Intellectual Property
All content created by MLO Hub, including logos, branding, and platform infrastructure, is protected by intellectual property laws. You may not reproduce, copy, or redistribute any part of the App without prior written permission.
You retain rights to your own content, but by posting within the App, you grant us a non-exclusive license to display and distribute it within the community.
7. Modifications and Termination
We may update these Terms from time to time. If we make material changes, we’ll notify users via the App or email. Your continued use of MLO Hub after changes are made constitutes acceptance of the updated Terms.
We reserve the right to terminate or suspend access to the App at any time for violations of these Terms or other conduct deemed harmful to the community.
8. Disclaimer of Warranties
MLO Hub is provided “as is” without warranties of any kind. We do not guarantee uninterrupted access, bug-free performance, or specific business outcomes from using the App.
9. Limitation of Liability
To the fullest extent permitted by law, MLO Hub and its owners, partners, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the App.
10. Contact
If you have questions about these Terms, you can contact us at:
[email protected]