Terms of Service

1. Acceptance of Terms

By accessing and using West Capital Lending's loan quote generation platform ("Service"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our Service.

2. Description of Service

West Capital Lending provides a web-based platform that enables licensed mortgage professionals to:

• Generate professional loan quotes and rate comparisons
• Send quotes to customers via email using your Gmail account
• Manage customer lead information and quote history
• Customize email signatures and branding

3. User Eligibility and Account Requirements

To use our Service, you must:

• Be a licensed mortgage loan officer or authorized representative
• Have a valid NMLS license (where required by law)
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Have a Google/Gmail account for email integration

4. Gmail Integration and Permissions

By granting our application access to your Gmail account, you understand that:

• We will only use the "gmail.send" permission to send emails on your behalf
• We will never read, modify, or delete your existing emails
• You can revoke Gmail permissions at any time through your Google account settings
• You are responsible for all emails sent through our platform using your account

5. User Responsibilities and Conduct

You agree to:

• Comply with all applicable federal, state, and local laws and regulations
• Follow TRID, RESPA, and other mortgage lending compliance requirements
• Provide accurate loan information and rates to customers
• Maintain professional conduct in all communications
• Not use the Service for fraudulent or misleading purposes
• Not share your account access with unauthorized individuals

6. Prohibited Uses

You may not use our Service to:

• Send unsolicited or spam emails
• Violate any laws or regulations related to mortgage lending
• Impersonate another person or entity
• Distribute malware or harmful code
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or harvest data

7. Data Accuracy and Disclaimers

While we strive to provide accurate rate information and calculations, you acknowledge that:

• You are responsible for verifying all rate and loan information before sending to customers
• Rates and terms are subject to change and final approval
• Our Service is a tool to assist with quote generation, not a guarantee of loan approval
• You must comply with all disclosure and accuracy requirements in your jurisdiction

8. Intellectual Property

The Service, including all software, content, and materials, is owned by West Capital Lending and protected by intellectual property laws. You may not:

• Copy, modify, or distribute our proprietary software or content
• Reverse engineer or attempt to extract source code
• Use our trademarks or branding without permission
• Create derivative works based on our platform

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Service Availability

We strive to maintain high availability but cannot guarantee uninterrupted service. We reserve the right to modify, suspend, or discontinue the Service at any time with reasonable notice.

11. Limitation of Liability

To the fullest extent permitted by law, West Capital Lending shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, data loss, or business interruption.

12. Account Termination

We may terminate or suspend your account immediately if you violate these Terms. You may terminate your account at any time by contacting us. Upon termination, your right to use the Service ceases immediately.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or platform notification. Continued use after changes indicates acceptance of updated Terms.

14. Governing Law

These Terms are governed by the laws of the United States and the state where West Capital Lending is incorporated, without regard to conflict of law principles.

15. Contact Information

For questions about these Terms of Service, please contact us: