MLO RESCUE

MLO Rescue is a subscription-based technology platform designed to assist mortgage professionals and related businesses through marketing, business management, customer relationship management, educational resources, automation tools, artificial intelligence features, content libraries, communication tools, and other technology solutions.

Our Services may include, without limitation:

• CRM software
• Marketing automation
• Flyer libraries
• Marketing templates
• AI-assisted content generation
• Email campaigns
• SMS campaigns
• Training materials
• Video libraries
• Business workflows
• Lead management
• Open house marketing tools
• Mobile applications
• APIs
• Future products and services introduced by the Company

The Services may evolve over time. We reserve the right to add, modify, suspend, or discontinue any feature without prior notice.

To use the Services, you represent and warrant that:

• You are at least eighteen (18) years of age.
• You have authority to enter into this agreement.
• Any information you provide is accurate and complete.
• Your use of the Services complies with all applicable federal, state, and local laws.

If you are using the Services on behalf of a company or organization, you represent that you have authority to bind that entity to these Terms.

You are responsible for maintaining the confidentiality of your account credentials.

You agree to:

• Maintain accurate account information.
• Keep your password secure.
• Notify us immediately of unauthorized account use.
• Be responsible for all activity occurring under your account.

We reserve the right to suspend or terminate accounts suspected of fraud, abuse, unauthorized sharing, or violations of these Terms.

Certain Services require a paid subscription.

Unless otherwise stated:

• Subscriptions automatically renew.
• Billing occurs on the recurring schedule selected during enrollment.
• You authorize Ironclad Elevation Group LLC to charge your payment method for all applicable fees and taxes.
• Pricing may change with advance notice.
• Continued use after a pricing change constitutes acceptance of the new pricing.

Failure to maintain a valid payment method may result in suspension or termination of access.

Subject to compliance with these Terms, Ironclad grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your own internal business purposes during an active subscription.

This license does not transfer ownership of any intellectual property.

All rights not expressly granted are reserved.

All intellectual property associated with the Services is owned exclusively by Ironclad Elevation Group LLC or its licensors.

This includes, without limitation:

• Website design
• Software
• Source code
• Object code
• Mobile applications
• APIs
• CRM functionality
• Workflow systems
• Marketing systems
• Flyer libraries
• Flyer templates
• Prompt libraries
• AI prompts
• Prompt engineering
• Marketing campaigns
• Email templates
• SMS templates
• Videos
• Graphics
• Logos
• Icons
• Product names
• Branding
• Business methods
• Educational materials
• Training materials
• Documentation
• Databases
• User interfaces
• Visual layouts
• Proprietary business processes
• Future updates, enhancements, and derivative works

Except for the limited license granted herein, no ownership interest is transferred to you.

You may not:

• Copy, reproduce, distribute, publish, display, or commercially exploit any Company content except as expressly authorized.
• Resell, sublicense, rent, lease, or transfer access to the Services.
• Share login credentials.
• Operate a shared account for multiple businesses unless expressly authorized.
• Reverse engineer, decompile, or disassemble the Services.
• Attempt to discover source code.
• Use bots, crawlers, scrapers, or automated tools to extract Company content.
• Bulk download templates or marketing materials except where expressly permitted.
• Remove copyright, trademark, or proprietary notices.
• Use Company materials to create a competing product or service.
• Use Company materials to train artificial intelligence or machine learning systems without written permission.
• Copy or recreate the Company's prompt libraries, workflows, campaign structures, CRM processes, automation systems, or proprietary business methods.
• Circumvent technical measures designed to protect Company content.
• Misrepresent your affiliation with the Company.
• Engage in unlawful, fraudulent, deceptive, abusive, or harmful conduct through the Services.

Violation of this section may result in immediate termination of your account and any other remedies available under applicable law.

Your subscription grants only a limited license to use the Services.

You do not acquire ownership of:

• Software
• Templates
• Flyers
• Marketing campaigns
• Training materials
• AI prompts
• Prompt libraries
• CRM workflows
• Automation systems
• Company databases
• Branding
• Logos
• Trademarks
• Documentation
• Educational content
• Any future products or improvements developed by the Company

All ownership remains exclusively with Ironclad Elevation Group LLC.

MLO Rescue provides technology, software, educational resources, automation tools, marketing materials, templates, and related services designed to assist mortgage professionals and other authorized users in operating their businesses.

The Services are provided as business tools only.

Each user is solely responsible for how they choose to use the Services.

Users acknowledge and agree that Ironclad Elevation Group LLC does not supervise, monitor, approve, or verify every communication, advertisement, campaign, flyer, template modification, AI-generated response, email, text message, or other content created or distributed by users.

Users remain solely responsible for ensuring that all content they create, edit, approve, publish, distribute, or transmit complies with applicable laws and regulations.

Users are solely responsible for ensuring that their use of the Services complies with all applicable federal, state, tribal, and local laws, regulations, licensing requirements, and advertising rules in every jurisdiction in which they conduct business. MLO Rescue does not monitor or verify compliance with state-specific mortgage regulations:

• Mortgage advertising laws
• Consumer financial protection laws
• Fair Housing laws
• Equal Credit Opportunity Act (ECOA)
• Truth in Lending Act (TILA)
• Regulation Z
• Real Estate Settlement Procedures Act (RESPA)
• Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
• State mortgage licensing laws
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act
• Federal Trade Commission regulations
• Consumer Financial Protection Bureau regulations
• State privacy laws
• Data protection laws

Use of the Services does not constitute legal, compliance, regulatory, tax, accounting, or professional advice.

Users are encouraged to consult their employer, sponsoring lender, broker, or compliance department, own legal counsel or compliance professionals before publishing or distributing marketing materials.

Unless expressly stated in writing, MLO Rescue does not review, approve, certify, or guarantee that any:

• Flyer
• Advertisement
• Marketing campaign
• AI-generated content
• Email
• SMS message
• Social media post
• Website content
• Landing page
• Presentation
• Video
• Document

complies with applicable laws or regulations.

Users are solely responsible for obtaining any required legal or compliance approvals before publication.

Users may upload, create, modify, store, or transmit content through the Services.

Users retain ownership of content they create or upload.

However, users grant Ironclad Elevation Group LLC a limited, worldwide, non-exclusive license to host, process, store, display, transmit, and reproduce such content solely for the purpose of operating, maintaining, improving, securing, and providing the Services.

Users represent and warrant that they have all necessary rights to upload or use such content.

Users further represent that uploaded content does not infringe the rights of any third party.

Ironclad Elevation Group LLC assumes no responsibility for user-generated content.

Users are solely responsible for all customer information uploaded into the Services.

This includes but is not limited to:

• Contact information
• Lead information
• Realtor information
• Borrower information
• Marketing lists
• Uploaded files
• Notes
• Communications
• Campaign data

Users represent and warrant that they possess all rights, permissions, authorizations, and legal bases necessary to upload and process such information.

Users acknowledge that certain features of the Services may permit email and text message communications.

Users represent and warrant that:

• They have obtained any legally required consent before sending communications.
• They will honor all unsubscribe and opt-out requests.
• They will comply with the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and all other applicable laws.

Ironclad Elevation Group LLC does not verify user consent and shall not be responsible for unlawful communications initiated by users.

Users agree to indemnify and hold harmless Ironclad Elevation Group LLC from any claim arising from unauthorized or unlawful communications sent through the Services.

The Services may include artificial intelligence tools that assist users in generating marketing materials, written content, images, workflows, emails, text messages, or other materials.

Artificial intelligence may generate inaccurate, incomplete, outdated, or misleading information.

Users acknowledge that AI-generated content should always be reviewed by a qualified human before publication or use.

Ironclad Elevation Group LLC makes no representation or warranty regarding the accuracy, legality, regulatory compliance, suitability, or completeness of AI-generated content.

Users remain solely responsible for reviewing, editing, approving, and verifying all AI-generated content before use.

The Services may integrate with or rely upon third-party software, websites, payment processors, communication providers, artificial intelligence providers, cloud hosting providers, or other external services.

Ironclad Elevation Group LLC does not control and is not responsible for:

• Third-party software
• Third-party outages
• Third-party pricing
• Third-party privacy practices
• Third-party security
• Third-party terms of service

Users acknowledge that use of third-party services may also be governed by separate agreements between the user and the third-party provider.

Users are responsible for maintaining the confidentiality of their usernames, passwords, authentication credentials, and account access.

Users shall immediately notify Ironclad Elevation Group LLC of any suspected unauthorized access.

Ironclad Elevation Group LLC shall not be liable for losses arising from unauthorized use of user accounts resulting from the user's failure to maintain reasonable account security.

Ironclad Elevation Group LLC reserves the right, in its sole discretion and without prior notice, to suspend, restrict, or terminate access to the Services for any user who:

• Violates these Terms;
• Engages in unlawful, fraudulent, deceptive, abusive, or harmful conduct;
• Uses the Services in a manner that may expose the Company or other users to legal, regulatory, or security risks;
• Interferes with the operation, security, or integrity of the Services; or
• Attempts to circumvent technical protections or misuse proprietary content.

Suspension or termination under this section does not limit any other rights or remedies available to Ironclad Elevation Group LLC.

Certain Services require payment of subscription fees or other charges.

By purchasing a subscription or paid Service, you authorize Ironclad Elevation Group LLC ("Company") to charge your selected payment method for all applicable fees, taxes, renewals, upgrades, add-on services, and other authorized charges.

Subscription fees are billed in advance unless otherwise stated.

You agree to provide accurate and current payment information and to promptly update any changes.

If a payment cannot be successfully processed, the Company may:

• Retry the payment.
• Suspend access to some or all Services.
• Downgrade your account.
• Cancel your subscription.
• Pursue collection of outstanding balances where permitted by law.

The Company reserves the right to change pricing at any time. Price changes will apply prospectively after reasonable notice.

Unless expressly stated in writing or required by applicable law:

• Subscription fees are non-refundable.
• Partial billing periods are not prorated.
• Failure to use the Services does not create a right to a refund.
• Cancellation prevents future renewal but does not entitle the user to reimbursement for the current billing period.

Users may cancel recurring subscriptions at any time through their account settings or by contacting Company support.

Cancellation becomes effective at the end of the current paid billing period unless otherwise specified.

The Company may, in its sole discretion, issue credits or refunds in exceptional circumstances, but doing so does not create an obligation to provide refunds in future cases.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IRONCLAD ELEVATION GROUP LLC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR QUIET ENJOYMENT.

THE COMPANY DOES NOT WARRANT THAT:

• THE SERVICES WILL BE UNINTERRUPTED;
• THE SERVICES WILL BE ERROR-FREE;
• ALL DEFECTS WILL BE CORRECTED;
• THE SERVICES WILL MEET EVERY USER'S REQUIREMENTS;
• AI-GENERATED OUTPUT WILL BE ACCURATE OR COMPLETE;
• ANY PARTICULAR BUSINESS RESULTS WILL BE ACHIEVED.

Users assume all risk arising from their use of the Services.

MLO Rescue provides software, technology, educational resources, templates, and marketing tools.

The Company does not guarantee:

• Increased income;
• Increased commissions;
• Lead generation;
• Closed mortgage loans;
• Realtor referrals;
• Business growth;
• Marketing performance;
• Search engine rankings;
• Social media engagement;
• Conversion rates;
• Regulatory approval;
• Loan approvals;
• Customer retention.

Past performance, testimonials, examples, or case studies do not guarantee future results.

Individual results vary based on numerous factors outside the Company's control.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IRONCLAD ELEVATION GROUP LLC, ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Lost profits;
• Lost commissions;
• Lost revenue;
• Lost business opportunities;
• Loss of customers;
• Loss of goodwill;
• Data loss;
• Business interruption;
• Regulatory penalties;
• Fines imposed by third parties;
• Costs of substitute services.

This limitation applies regardless of the legal theory asserted, whether based in contract, tort (including negligence), strict liability, statute, or otherwise.

To the fullest extent permitted by law, the Company's total aggregate liability arising from or relating to the Services shall not exceed the total amount paid by the user to the Company during the twelve (12) months immediately preceding the event giving rise to the claim.

Some jurisdictions do not allow certain limitations of liability, so portions of this section may not apply in those jurisdictions.

You agree to defend, indemnify, and hold harmless Ironclad Elevation Group LLC and its members, managers, officers, employees, contractors, affiliates, licensors, successors, and assigns from and against any claims, demands, actions, damages, losses, liabilities, judgments, penalties, costs, and reasonable attorneys' fees arising out of or relating to:

• Your use of the Services;
• Your violation of these Terms;
• Your violation of applicable law;
• Content you upload, publish, or distribute;
• Marketing campaigns you create or send;
• SMS or email communications initiated by you;
• Alleged infringement of third-party rights resulting from your content;
• Misuse of the Services;
• Fraudulent, deceptive, or unlawful conduct.

The Company reserves the right to assume the exclusive defense of any matter subject to indemnification, and you agree to cooperate fully in that defense.

The Company may suspend or terminate your access to the Services, with or without notice, if it reasonably believes that:

• You have violated these Terms;
• You have engaged in unlawful, fraudulent, or abusive conduct;
• Your activities present legal, regulatory, operational, or security risks;
• Continued access may harm the Company, other users, or third parties.

Termination does not affect any obligations or rights that, by their nature, should survive termination, including payment obligations, ownership of intellectual property, confidentiality obligations, indemnification, limitation of liability, and dispute resolution provisions.

Upon termination, all licenses granted to you under these Terms immediately cease, and you must discontinue use of the Services.

The following provisions survive the termination or expiration of these Terms:

• Intellectual Property;
• Confidentiality;
• Payment obligations;
• Disclaimer of Warranties;
• Limitation of Liability;
• Indemnification;
• Governing Law;
• Dispute Resolution;
• Arbitration (if applicable);
• Any provision that by its nature is intended to survive termination.

These Terms and any dispute arising out of or relating to the Services shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles.

The Company encourages users to contact customer support to attempt to resolve disputes informally before pursuing legal action.

If an informal resolution cannot be reached, disputes shall be resolved in accordance with this Section.

To the fullest extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by final and binding arbitration rather than in court.

The arbitration shall:

• Be administered by a nationally recognized arbitration organization agreed upon by the parties or selected as provided by applicable law.
• Be conducted by a single neutral arbitrator.
• Take place in the State of Georgia unless otherwise agreed.
• Be conducted in English.
• Be governed by applicable federal and Georgia law.

Nothing in this section prevents either party from seeking temporary injunctive or equitable relief from a court of competent jurisdiction to protect intellectual property, confidential information, trade secrets, or other proprietary rights pending arbitration.

To the fullest extent permitted by applicable law, all claims must be brought solely in an individual capacity.

You agree not to participate as a plaintiff or class member in any purported class action, collective action, representative action, or private attorney general action against Ironclad Elevation Group LLC.

If a court determines this waiver is unenforceable for a particular claim, only that claim will proceed as required by applicable law, while the remainder of these Terms will continue in effect.

You acknowledge that unauthorized use, disclosure, copying, reverse engineering, redistribution, or misuse of the Company's intellectual property, confidential information, proprietary software, templates, workflows, AI prompts, prompt libraries, databases, or marketing systems may cause irreparable harm for which monetary damages alone may not be an adequate remedy.

Accordingly, Ironclad Elevation Group LLC may seek temporary, preliminary, or permanent injunctive relief, specific performance, or other equitable remedies in addition to any other rights or remedies available under applicable law.

Ironclad Elevation Group LLC shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including but not limited to:

• Natural disasters;
• Fires;
• Floods;
• Severe weather;
• Internet outages;
• Utility failures;
• Cyberattacks;
• Labor disputes;
• Government actions;
• Pandemics;
• War;
• Civil unrest;
• Acts of terrorism;
• Failures of third-party service providers.

Performance shall be excused for the duration of the event and for a reasonable period thereafter.

By using the Services, you consent to receive communications electronically, including notices, disclosures, invoices, updates, and other information relating to your account or the Services.

Electronic communications satisfy any legal requirement that such communications be in writing where permitted by law.

The Company continually improves and updates the Services.

Ironclad Elevation Group LLC reserves the right to:

• Add or remove features;
• Modify functionality;
• Introduce new products;
• Discontinue products or features;
• Change technical requirements;
• Improve security;
• Correct errors;
• Update content.

The Company shall not be liable for modifications made to improve or maintain the Services.

The Company may revise these Terms from time to time.

When material changes are made, the updated Terms will be posted on the Company's website with a revised "Last Updated" date.

Continued use of the Services after revised Terms become effective constitutes acceptance of those revised Terms.

You may not assign or transfer your rights or obligations under these Terms without the Company's prior written consent.

Ironclad Elevation Group LLC may assign these Terms in connection with a merger, acquisition, sale of assets, corporate reorganization, financing transaction, or other business transfer.

If any provision of these Terms is determined by a court or arbitrator to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

The invalid provision shall be interpreted or modified to the minimum extent necessary to make it enforceable while preserving its original intent to the greatest extent permitted by law.

Failure by Ironclad Elevation Group LLC to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

Any waiver must be in writing and signed by an authorized representative of the Company.

These Terms, together with any policies or agreements expressly incorporated by reference (including, where applicable, the Privacy Policy, Acceptable Use Policy, Intellectual Property License Agreement, Refund Policy, and other posted policies), constitute the entire agreement between you and Ironclad Elevation Group LLC regarding the Services and supersede all prior or contemporaneous communications relating to the same subject matter.

All rights not expressly granted in these Terms are reserved by Ironclad Elevation Group LLC.

No license, ownership interest, or other rights shall be implied by estoppel or otherwise.

Questions regarding these Terms may be directed to: