These Terms of Service ("Terms") govern your access to and use of LeVrage (the "Service"), a software platform provided by iDeal Visions ("LeVrage," "we," "us," or "our"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. What LeVrage Is
LeVrage is a workflow, calculation, and analysis tool built for licensed mortgage professionals. It provides qualification, income, scenario, compliance, and credit-analysis utilities to support your professional work. LeVrage is not a consumer-facing product and does not provide credit repair, credit counseling, or financial, legal, or tax advice to consumers or to you.
2. Eligibility
The Service is intended solely for use by licensed mortgage loan officers, brokers, and similar licensed professionals acting in their professional capacity. You represent that you are authorized to use the Service and that your use complies with all laws and licensing obligations applicable to you.
3. Accounts and Security
You are responsible for safeguarding your account credentials and for all activity under your account. Each account is for a single user; you may not share credentials or allow others to access the Service through your account. Notify us promptly of any unauthorized use.
4. Acceptable Use
You agree that you will not, and will not permit anyone to:
- copy, reproduce, scrape, crawl, harvest, or systematically extract any part of the Service, its code, its outputs, or its underlying models;
- reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, algorithms, formulas, or scoring/qualification logic of the Service, except to the limited extent such restriction is prohibited by applicable law;
- create derivative works of, or build a competing or substantially similar product or service based on, any part of the Service;
- circumvent, disable, or interfere with any security, access-control, or usage-limiting feature of the Service;
- use the Service to violate any law, regulation, or third-party right, including consumer-protection, privacy, and credit-reporting laws;
- access the Service through automated means or resell, sublicense, or provide the Service to any third party.
5. Intellectual Property
The Service, including all software, calculation engines, scoring and qualification models, user interfaces, designs, text, and other content (excluding your client data), is owned by iDeal Visions and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal professional use, subject to these Terms. No other rights are granted, and all rights not expressly granted are reserved.
6. Your Data and Compliance
You retain ownership of the borrower and client information you input ("Your Data"). You grant us a limited license to process Your Data solely to provide the Service to you. You are solely responsible for the accuracy of Your Data, for obtaining any necessary consents from your clients, and for your compliance with all applicable laws and regulations in your use of the Service — including, without limitation, the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), the Equal Credit Opportunity Act (ECOA), and applicable state laws. Your client data is isolated to your account and is not shared with other users of the Service.
7. Estimates and No Warranty
Outputs of the Service — including credit-score projections, income and qualification figures, program recommendations, and compliance indicators — are estimates and informational tools only. They are not guarantees of any outcome, approval, score change, or regulatory compliance, and they do not replace your independent professional judgment, applicable guidelines, or verification. The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
8. Limitation of Liability
To the maximum extent permitted by law, iDeal Visions will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the Service. Our total liability for any claim arising out of or relating to the Service will not exceed the amounts you paid to us for the Service in the twelve (12) months preceding the claim.
9. Subscription and Billing
Paid access to the Service is offered on a subscription basis. Fees, billing cycles, and any trial terms are presented at sign-up and are processed through our third-party payment processor. Subscriptions renew automatically until cancelled. You may cancel at any time, effective at the end of the current billing period; fees already paid are non-refundable except where required by law. We may change pricing on a prospective basis with notice; rates expressly designated as "locked" will be honored as described at the time of purchase.
10. Termination
You may stop using the Service and cancel your subscription at any time. We may suspend or terminate your access if you violate these Terms or if necessary to protect the Service or other users. Upon termination, your license to use the Service ends; sections that by their nature should survive (including IP, disclaimers, and limitation of liability) will survive.
11. Changes to These Terms
We may update these Terms from time to time. Material changes will be indicated by updating the effective date above and, where appropriate, by additional notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
12. Governing Law
These Terms are governed by the laws of the State of Michigan, without regard to its conflict-of-laws principles. Any dispute arising under these Terms will be subject to the exclusive jurisdiction of the state and federal courts located in Michigan.
13. Contact
Questions about these Terms? Contact llcidealvisions@gmail.com or visit idealvisions.io.