Draft — pending counsel review. This Acceptable Use Policy is part of the LoanIQ contractual framework. Final adoption requires counsel review.

Acceptable Use Policy

Effective: [DATE] · Last updated: [DATE] · Version 1.0

This Acceptable Use Policy ("AUP") governs all use of the LoanIQ platform operated by Mortgage Dude Holdings, LLC ("MDH"). This AUP is incorporated by reference into the Terms of Service. Violation of this AUP is a material breach of the Agreement and may result in suspension or termination of access without refund.

1. Authorized users

The Service is intended for licensed mortgage professionals (loan officers, mortgage brokers, processors, underwriters), their authorized employees, and their authorized contractors operating under appropriate licensure. By using the Service, you represent that you (a) hold any licenses required to perform the activity for which you are using the Service, and (b) are not subject to any regulatory bar that would prohibit the activity.

2. Prohibited content and uses

You may not use the Service to:

  • Violate any law or regulation applicable to mortgage origination, lending, fair housing, advertising, or consumer protection — including ECOA / Regulation B, RESPA / Regulation X, TILA / Regulation Z, FCRA, GLBA, HMDA, MAP Rule, UDAAP standards, the SAFE Act, applicable state licensing requirements, and any equivalent rule.
  • Upload or process Protected Health Information ("PHI") as defined under HIPAA. The Service is not a HIPAA-compliant platform and is not contracted as a HIPAA Business Associate.
  • Process information of children under 13 (or the applicable age under COPPA / state law).
  • Use the Service to make adverse-action decisions on borrowers based solely on AI/ML output without independent human review of the underlying facts. The Service's output is informational; the decisional authority is yours.
  • Treat AI/ML output as a substitute for the underwriter on file. Final qualifying-income figures, credit decisions, and program eligibility determinations remain with the licensed underwriter.
  • Use the Service to discriminate against any protected class in violation of the Fair Housing Act, ECOA, or any equivalent law. Inputs to AI systems must not include ECOA-protected attributes (race, color, religion, national origin, sex, marital status, age, source of public assistance).
  • Reverse engineer, decompile, disassemble, or attempt to extract the source code, model weights, retrieval index contents, or trade secrets of the Service.
  • Scrape, mirror, systematically download, or build a derivative product from the Service or its outputs beyond normal in-product use.
  • Resell, sublicense, or white-label the Service without MDH's prior written agreement.
  • Use the Service to send spam, phishing, fraudulent communications, unsolicited commercial messages, or harassment.
  • Upload or transmit malicious code, viruses, ransomware, or any payload intended to disrupt, damage, or gain unauthorized access to MDH systems or sub-processor systems.
  • Probe, scan, or test the vulnerability of the Service without MDH's prior written authorization.
  • Bypass, disable, or interfere with security features (Storage rules, Firestore rules, authentication, audit logs).
  • Use AI-extracted output to make adverse statements to borrowers without verifying against the source document. The Income OCR is a productivity tool; it is not a verified underwriting calculation.
  • Misrepresent your relationship with MDH or the Service (e.g., implying that LoanIQ is a regulator, government affiliate, or rating agency).
  • Use the Service in a manner that consumes a disproportionate share of resources beyond a reasonable working volume for a typical mortgage operation, including but not limited to attempting to process more than 200 unique borrower documents per day on a single account.

3. AI-specific use restrictions

In addition to Section 2, in connection with the Service's AI/ML features (Scenario Desk, Income OCR, Ask Lola, email drafting):

  • You will not include borrower full Social Security Numbers, full bank account numbers, driver license numbers, or dates of birth in free-text prompts. The Service's tool schemas exclude these fields from AI extraction by design (see AI Governance Policy Section 7C); free-text prompts are an additional surface where you must avoid them.
  • You will not attempt to use prompt injection, jailbreaking, or adversarial inputs to make the AI produce output it is configured to refuse (e.g., a credit decision framed as informational analysis).
  • You will treat AI extractions as drafts for your review. You will click "Approve" only after verifying the extracted figures against the source document.

4. Borrower data minimization

You agree to upload borrower documents to the Service only when there is a documented business reason to do so for the loan you are originating. You will not upload borrower documents speculatively, for unrelated borrowers, or for borrowers who have not consented to the use of an AI-assisted income tool. You remain responsible for any required disclosures or consents under the GLBA Privacy Rule, your state's data-privacy law, and your firm's internal procedures.

5. Account security

You will (a) maintain MFA on the account used to access the Service, (b) not share account credentials with anyone, (c) revoke access promptly when an authorized user leaves your firm, and (d) report any suspected compromise of your account immediately to austen@austensmith.com.

6. Reporting violations

If you become aware of a violation of this AUP — by anyone — please report it to austen@austensmith.com. Do not retaliate against any individual for a good-faith report.

7. Enforcement

MDH may, in its discretion: (a) issue a warning, (b) suspend Service access, (c) terminate the account, (d) preserve and produce records to law enforcement on lawful request, and (e) seek any other remedy available at law or in equity. MDH will use commercially reasonable efforts to provide notice before suspension or termination, except where immediate action is required to protect the Service or other users.

8. Updates

MDH may update this AUP from time to time. Material changes will be announced via email and posted with a new Effective Date. Continued use of the Service after the change constitutes acceptance.

9. Contact

Mortgage Dude Holdings, LLC
Attn: Trust & Safety
Austin, Texas
Email: austen@austensmith.com