Terms of Service

1. Agreement to Terms

By accessing or using FixDoc ("the Service"), provided by ByteUp LLC ("we", "us", "our"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

FixDoc is a software-as-a-service (SaaS) platform that provides AI-powered document verification and fraud detection tools for mortgage professionals. FixDoc is a technology service provider and is not a mortgage lender, broker, or financial advisor. The Service is intended to assist NMLS-registered professionals in their independent document verification process.

3. User Accounts

• You must provide accurate and complete registration information.
• You are responsible for maintaining the security of your account credentials.
• You must notify us immediately of any unauthorized access to your account.
• One person or entity may not maintain more than one account per organization.

4. Acceptable Use

You agree not to:

• Upload documents that you do not have authorization to process.
• Use the Service for any illegal purpose or to facilitate fraud.
• Attempt to bypass plan limits, rate limiting, or access controls.
• Reverse engineer, decompile, or attempt to extract source code from the Service.
• Share your account credentials with unauthorized parties.

5. Subscription and Billing

• Every new organization starts free with 3 fraud analyses, with no time limit and no credit card.
• Paid plans are billed monthly or annually, as chosen at checkout, through Stripe. A paid plan starts with 14 days before the first charge: checkout asks for a card, and canceling within those 14 days means you are not charged.
• Founding customer access is by invitation and complimentary: nothing is charged. The end date is shown on the Billing tab, and owners and admins are emailed 14 days and 3 days before it. When it ends, the organization moves to the free start, unless a plan was chosen; that plan is charged from the end date.
• A plan change applies right away. Stripe adjusts the next invoice for the days left in the period.
• You may cancel at any time. Canceling stops the renewal, and the plan stays until the end of the period you paid for.
• Payments are not refunded after a charge, including for unused time. We refund in full any billing error: a duplicate charge, a charge after a cancellation took effect, a charge during complimentary access, or an outage that kept you from using the Service. Write to support@fixdoc.co.
• We reserve the right to change pricing with 30 days notice to existing subscribers.

6. AI-Powered Features

The Service uses artificial intelligence to parse documents, detect potential fraud, and provide conversational answers about project data. AI outputs are provided as decision-support tools and should not be treated as definitive conclusions. You are responsible for independently verifying all AI-generated results before making lending or compliance decisions. Confidence scores indicate the level of supporting evidence available, not a guarantee of accuracy.

7. Data Ownership

You retain full ownership of all documents and data you upload to the Service. We do not claim any intellectual property rights over your content. We process your data solely to provide the Service as described. See our Privacy Policy for details on how we handle your data.

8. Limitation of Liability

To the maximum extent permitted by law, ByteUp LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Service, including but not limited to loss of profits, data, or business opportunities. Our total liability for any claim related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that AI-generated results will be accurate or complete. The Service is a technology tool, not a substitute for professional judgment in lending decisions.

10. Termination

We may suspend or terminate your access to the Service if you violate these Terms. Ending a subscription does not delete data: the organization moves to the free start and keeps its clients, files and findings. Loan file records, including removed documents, are kept for the retention period that applies to them, five years by default, before they become eligible for secure disposal. If we terminate your access, you may request a copy of your organization's documents at legal@fixdoc.co.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law provisions.

12. Contact

For questions about these Terms, contact us at legal@fixdoc.co.