Effective Date: 08.2023

Welcome to CreditPath.io ("PortalFlow"), a platform dedicated to streamlining loan management, credit access, and real-time disclosures for financial advisors. By accessing or using our platform, you agree to the following Terms and Conditions ("Terms"). Please read them carefully. If you do not agree to these Terms, do not use our services.

Acceptance of Terms

By registering, accessing, or using CreditPath.io | PortalFlow (the "Platform"), you affirm that you are at least 18 years old and have the legal capacity to enter into this agreement.

Services Provided

The platform provides tools and services, including but not limited to:

Real-time credit access options for advisors.Disclosure integration and document management.Loan pipeline visibility and milestone tracking.Digital submission portals for clients.

All services are subject to these Terms.

Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and ensuring all information provided during registration is accurate and up-to-date. You agree to notify us immediately of any unauthorized use of your account or security breaches.

Prohibited Activities

You agree not to:

Misuse or access the platform in a way that interferes with other users.Reverse engineer, copy, or modify the platform's code or interface.Upload malicious software, viruses, or spam.Violate any applicable laws or third-party rights while using the platform.

Fees and Payments

Some features or services on the platform may require payment. Fees, if applicable, will be communicated clearly before use. All payments are non-refundable unless otherwise specified.

Privacy Policy

Your use of the platform is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your personal information.

Intellectual Property

All content, trademarks, and technology on the platform, including but not limited to the logo, design, and features, are the sole property of CreditPath.io. You are granted a limited, non-exclusive, and revocable license to use the platform solely for its intended purpose.

Third-Party Services

The platform may integrate with or provide access to third-party services. CreditPath.io does not assume liability for the content, functionality, or terms of use of such third-party services.

Termination

We reserve the right to suspend or terminate your access to the platform without notice if you violate these Terms or engage in prohibited activities. Upon termination, all rights and licenses granted to you will cease immediately.

Disclaimer of Warranties

The platform is provided "as is" without warranties of any kind, express or implied, including but not limited to fitness for a particular purpose, accuracy, or availability. We do not guarantee uninterrupted or error-free service.

Limitation of Liability

To the maximum extent permitted by law, CreditPath.io shall not be liable for any indirect, incidental, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising out of or in connection with the use of the platform.

Indemnification

You agree to indemnify and hold CreditPath.io harmless from any claims, liabilities, damages, or expenses arising out of your use of the platform or violation of these Terms.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [Insert Jurisdiction]. Any disputes shall be resolved through binding arbitration in [Insert Location], except where prohibited by law.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the platform. Continued use constitutes acceptance of the revised Terms.

Contact Information

If you have questions or concerns about these Terms, please contact us at:CreditPath.io SupportEmail: [Insert Email Address]Phone: [Insert Phone Number]

Thank you for using CreditPath.io | PortalFlow. We're committed to enhancing your experience and providing innovative solutions to streamline your loan management process.