Terms of Use & Disclaimer

Welcome to LoanCert™, Inc. By accessing or using LoanCert.com and related applications, tools, reports, or services, you agree to the following Terms of Use and Disclaimer. If you disagree, discontinue use immediately.

1. About LoanCert™

LoanCert™ is a buyer-readiness verification platform designed to help homebuyers, sellers, and real estate professionals evaluate a buyer’s likely ability to qualify for home financing and close successfully.

LoanCert™ is not a:

  • Lender

  • Mortgage broker

  • Financial advisor

  • Credit repair organization

  • Insurance agent or insurance broker

  • Legal or tax professional

LoanCert™ does not originate loans, negotiate loans, or sell insurance.

LoanCert™ currently serves California with national expansion expected in 2026.

2. Acceptance of Terms

By using the Services, you represent that you:

  • Are at least 18 years old

  • Will provide accurate information

  • Will use the services lawfully

  • Accept these terms and all updates

3. No Financial, Legal, Insurance, or Tax Advice

LoanCert™ provides informational and educational services only and does not provide:

  • Mortgage advice

  • Loan approval or commitment

  • Insurance quotes or underwriting

  • Legal or tax guidance

  • Financial planning

  • Users must consult licensed professionals for these services.

4. The Verified Ready™ Certificate

The Verified Ready™ Certificate is an evaluation based on:

  • Soft-credit data

  • Income, asset, and employment checks

  • Insurance premium research

  • Property and hazard-risk data

  • Acknowledgement of closing costs, loan terms, and down payment

It is not a loan approval or guarantee.

Generally valid for 60 days unless stated otherwise.

Premium and Premium Plus features displayed on the Website may include future offerings.

5. Future Guarantee Program (Premium Plus – Coming 2026)

No guarantee program is active at this time.

Guarantee terms and eligibility will be published prior to launch.

6. User Responsibilities

Users must:

  • Provide truthful information

  • Update information if anything changes

  • Not misuse the platform

  • Protect account access credentials

Fraudulent or abusive use may result in termination.

7. Third-Party Data & AI Tools

LoanCert™ integrates with third-party services, including:

  • Verification providers

  • Soft-credit bureaus

  • Insurance data researchers

  • Hazard and property data sources

  • AI-powered analysis tools

LoanCert™ is not responsible for:

  • Third-party data errors

  • Service outages or delays

  • Inaccurate or incomplete user-supplied data

8. Accuracy & Limitations

LoanCert™ cannot guarantee:

  • Loan approval

  • Seller acceptance of offers

  • Insurance availability

  • Accuracy of estimated premiums or rates

  • Real-estate outcomes

Analysis is based on available data and may change due to market or guideline shifts.

9. Privacy

Your use of the Services is subject to our Privacy Policy.

10. Intellectual Property

All trademarks and proprietary content are property of LoanCert™, Inc., including:

  • LoanCert™

  • Verified Ready™

  • Buyer Companion™

  • Proprietary algorithms, scoring, and analysis tools

Unauthorized reproduction or reverse engineering is prohibited.

11. Prohibited Uses

Users may not:

  • Scrape or harvest data

  • Reverse engineer scoring logic

  • Reproduce, resell, or sublicense content

  • Use the Services for fraud

  • Impersonate others

  • Interfere with security

12. Limitation of Liability

LoanCert™ is not liable for:

  • Real-estate transaction fallout

  • Denied loans or insurance decisions

  • Market changes

  • Data errors

  • Indirect or punitive damages

Maximum liability is limited to the amount paid for the service, if any.

13. No Warranty

Services are offered “AS IS” without warranties regarding accuracy, completeness, continuous availability, or fitness for any particular purpose.

14. Changes to Terms

LoanCert™ may update these Terms at any time.

Continued use constitutes acceptance.

15. Governing Law

These terms are governed by California law.

16. Contact

LoanCert™, Inc.

Email: contact@loancert.com