IMPORTANT: Underlytix is a pre-application intelligence tool. It does not issue loan approvals, pre-approvals, or commitments to lend. All outputs are analytical estimates based on user-provided data only.
By accessing or using the Underlytix platform at underlytix.com (the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Platform. These Terms apply to all users, including real estate investors, licensed real estate agents (realtors), and lenders.
Underlytix is operated by Underlytix LLC ("Company," "we," "us," or "our"). We reserve the right to update these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the updated Terms.
Underlytix provides AI-assisted pre-application intelligence tools for the real estate lending market, including:
All outputs are generated using artificial intelligence and are based solely on information you provide. The Platform does not access credit bureaus, verify income documents, review tax returns, or perform any underwriting review.
Underlytix outputs — including fundability scores, prequalification estimates, PITIA calculations, DTI assessments, loan product suggestions, and lender match results — do not constitute a mortgage pre-approval, pre-qualification letter, or commitment to lend in any form.
All loan approvals are subject to:
A favorable output from Underlytix does not guarantee loan approval by any lender. An unfavorable output does not guarantee denial. Lenders retain sole and final authority over all credit decisions.
The Platform uses large language models and algorithmic processing to generate analysis. You acknowledge that:
You should verify all outputs with a licensed mortgage professional before making any financial or real estate decision.
Nothing on the Platform constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. The Platform is an information tool only.
For decisions involving real estate transactions, mortgage financing, or investment strategy, you should consult:
Underlytix does not hold any mortgage lending license, real estate license, or financial advisory registration. We are a technology company providing data analysis tools.
You represent and warrant that:
Realtors accessing the Realtor Portal agree to the following additional terms:
Certain features require a paid subscription:
All payments are processed by Stripe, Inc. By subscribing, you also agree to Stripe's Terms of Service. Subscriptions auto-renew monthly unless cancelled. You may cancel at any time through the billing portal. No refunds are issued for partial billing periods.
We reserve the right to modify pricing with 30 days' advance notice to active subscribers.
All Platform content, design, code, trademarks, and AI model outputs generated by the Platform are owned by Underlytix LLC. You receive a limited, non-exclusive, non-transferable license to use the Platform for your internal business purposes during an active subscription.
You may not: (a) reproduce or distribute Platform outputs for commercial purposes beyond your own client interactions; (b) reverse-engineer any part of the Platform; (c) use the Platform to build a competing product.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
You agree to indemnify, defend, and hold harmless Underlytix LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any applicable law or third-party right; or (d) any content or data you submit to the Platform.
Please read this section carefully. It affects your legal rights.
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Platform shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in Miami-Dade County, Florida. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Class Action Waiver: You waive any right to bring or participate in any class action, collective action, or representative proceeding. All claims must be brought in your individual capacity only.
This arbitration agreement does not preclude either party from seeking emergency injunctive relief in a court of competent jurisdiction where necessary to prevent irreparable harm.
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles. To the extent any claim is not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida.
We may suspend or terminate your access to the Platform at any time, with or without cause, with or without notice. Upon termination, your right to use the Platform ceases immediately. Provisions that by their nature should survive termination will survive, including Sections 10, 11, 12, and 13.
Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Underlytix LLC regarding the Platform.
Severability: If any provision is found unenforceable, the remaining provisions remain in full force and effect.
No Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
Assignment: You may not assign your rights under these Terms. We may assign ours in connection with a merger, acquisition, or sale of assets.
For questions about these Terms, contact us at:
Email: support@underlytix.com
Website: underlytix.com