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Terms of Service

Last updated: July 7, 2026

1Agreement to Terms

By accessing or using Alnex.ai ("we," "us," or "our") and our mortgage underwriter assistant platform (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Service.

These Terms constitute a legally binding agreement between you and Alnex.ai. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting. Your continued use of the Service after any modifications constitutes your acceptance of the modified Terms.

2Description of Service

Alnex.ai provides an AI-powered mortgage underwriter assistant platform that:

  • Reads and classifies loan documents and extracts structured data with AI
  • Computes income, DTI, LTV, reserves, and underwriting findings with a deterministic rules engine under the lender's own policy
  • Provides cited answers from agency underwriting guidelines
  • Assists with document checklists, verification, and audit-ready decision records

Alnex is a business-to-business workbench for lending professionals. We do not originate, fund, broker, or service mortgages, and we do not make lending decisions — all credit decisions are made by our customers' underwriters under their own policies.

3Eligibility and Account Registration

3.1 Eligibility Requirements

To use our Service, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding agreements
  • Reside in a jurisdiction where our Service is available
  • Provide accurate, current, and complete information
  • Maintain the security of your account credentials

3.2 Account Responsibilities

You are responsible for:

  • Maintaining the confidentiality of your account password
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access
  • Ensuring all information provided is accurate and up-to-date

4Use of Service

4.1 Permitted Use

You may use our Service solely for lawful purposes related to mortgage application and processing. You agree to:

  • Provide truthful and accurate information
  • Use the Service in compliance with all applicable laws and regulations
  • Respect the intellectual property rights of Alnex.ai and third parties
  • Not interfere with or disrupt the Service or servers

4.2 Prohibited Activities

You agree NOT to:

  • Provide false, misleading, or fraudulent information
  • Attempt to gain unauthorized access to the Service or other accounts
  • Use automated systems (bots, scrapers) to access the Service
  • Reverse engineer, decompile, or disassemble any part of the Service
  • Transmit viruses, malware, or other harmful code
  • Violate any applicable federal, state, or local laws or regulations
  • Impersonate any person or entity or misrepresent your affiliation
  • Engage in any activity that could harm our reputation or business

5Mortgage Application Process

5.1 Application Submission

When you submit a mortgage application through our platform:

  • You authorize us to share your information with participating lenders
  • You consent to credit checks and background verification
  • You understand that application does not guarantee mortgage approval
  • You agree to provide all required documentation in a timely manner

5.2 Fees and Subscriptions

The Service is provided under paid subscription plans as published on our pricing page or as agreed in an order form. Subscription billing is handled by Stripe. We do not charge borrowers, and we receive no compensation from lenders for referrals — our only revenue is our customers' subscriptions.

6AI-Powered Services

Our Service utilizes artificial intelligence and machine learning to:

  • Analyze mortgage applications and assess risk
  • Provide recommendations and rate comparisons
  • Automate document processing and verification
  • Generate insights and predictions

Important: AI-generated recommendations are for informational purposes only and do not constitute financial, legal, or professional advice. All mortgage decisions are made by human underwriters and lenders. You should consult with qualified professionals before making financial decisions.

7Intellectual Property

The Service, including all content, features, functionality, software, and technology, is owned by Alnex.ai and protected by copyright, trademark, and other intellectual property laws. You may not:

  • Copy, modify, or create derivative works of the Service
  • Use our trademarks, logos, or branding without permission
  • Remove or alter any copyright or proprietary notices
  • Use the Service for any commercial purpose without authorization

8Disclaimers and Limitations of Liability

8.1 Service Availability

We strive to provide reliable service but do not guarantee:

  • Uninterrupted or error-free operation
  • Immediate processing of applications
  • Availability of specific mortgage products or rates
  • Accuracy of all information or recommendations

8.2 No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

8.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALNEX.AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

9Indemnification

You agree to indemnify, defend, and hold harmless Alnex.ai, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney fees) arising out of or related to:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another party
  • Any false or misleading information you provide

10Compliance with Laws

You agree to comply with all applicable federal, state, and local laws and regulations, including but not limited to:

  • Truth in Lending Act (TILA)
  • Real Estate Settlement Procedures Act (RESPA)
  • Equal Credit Opportunity Act (ECOA)
  • Fair Credit Reporting Act (FCRA)
  • Gramm-Leach-Bliley Act (GLBA)
  • State mortgage lending and licensing requirements

11Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including:

  • Violation of these Terms
  • Fraudulent or illegal activity
  • Provision of false information
  • At our sole discretion

You may terminate your account at any time by contacting us. Upon termination, your right to use the Service will cease immediately.

12Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict-of-law provisions. The governing state will be specified as these Terms are finalized with counsel.

12.2 Arbitration

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

13Miscellaneous

13.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Alnex.ai regarding the Service.

13.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

13.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

14Contact Information

If you have questions about these Terms, please contact us:

Alnex.ai

Email: alnexteam@alnex.ai