Acceptable Use Policy: For Mortgage Professionals

Your use of the CreditXpert® platform and any as a mortgage professional is subject to the terms and conditions of the CreditXpert agreement with your employer (if you are an employee) or licensor (if you are a broker), along with the provisions of this Acceptable Use Policy (“AUP”). This AUP addresses the requirements applicable to your use of the Platform.

Confidentiality.  You will: (a) create a unique password not used elsewhere; (b) keep your access credentials confidential; (c) not lend, sell, transfer, or assign your account to anyone; (d) not allow anyone else to log into the Platform as you; (e) not log into the Platform using an alias that masks your true identity; and (f) comply with all security requirements of the Platform.  You are responsible for all activities under your user account.

Restrictions.  All aspects of the Platform (including content, messages, data, information, text, sound, photos, graphics, video, icons, code and other material), and the infrastructure used to provide the Platform, are proprietary to CreditXpert or its licensors. Except for sharing unmodified Output and communications with an applicable consumer in accordance with Platform functionality, you will not modify, translate, adapt, edit, copy, distribute, transmit, display, perform, decompile, reverse engineer, reproduce, publish, license, create derivative works from, transfer, or share, lease, sell or otherwise distribute, interfere with or disrupt the integrity of any aspect of the Platform.  You may not access the Platform in order to build a competitive product or service, or attempt to reconstruct or discover any source code, underlying ideas, algorithms, file formats or programming or interoperability interfaces of the Platform by any means.  You may not use or access the Platform outside of the USA.

Enforcement of AUP. CreditXpert reserves the right to suspend the Platform use or take other appropriate remedial action to address actual or suspected violations of the AUP.  CreditXpert will use reasonable efforts to notify you and provide an opportunity to cure before taking such action, if practicable and if permitted by law.  You will cooperate with CreditXpert in investigating complaints about potential violations and in taking any corrective action that CreditXpert deems necessary to address such violations.  If you become aware of any activity that violates this AUP, you shall promptly notify CreditXpert of any such violation and you shall take all necessary action to cease such violation.

Updates to this AUP.  CreditXpert may modify this AUP at any time by posting the revised AUP on its website or making the revised AUP available through the Platform.  Your use of the Platform after the date a revised AUP is posted indicates your acceptance of the revised AUP.  This version was published on September 13, 2022.