Terms of Service

Terms version: 2026-10-11.2 · Last Updated: October 11, 2026 · Effective Date: October 11, 2026

IMPORTANT: PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN AN ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER THAT AFFECT YOUR LEGAL RIGHTS. BY USING OUR SERVICES, YOU AGREE TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS OR JURY TRIALS.

Definitions

In these Terms, the following capitalized terms have the meanings set forth below:

• Account means your user account on the Platform, including your login credentials and associated profile.
• Content means any content, materials, information, communications, comments, messages, documents, images, videos, audio, links, URLs, or any other materials that you submit, post, upload, transmit, display, distribute, or otherwise make available through the Platform.
• Platform means the TPOTALK information distribution platform, including the website, applications, and related services provided by TPOTALK, LLC.
• Services means the services provided through the Platform, including information distribution, professional networking, and broadcast features.
• TPOTALK means TPOTALK, LLC, the provider of the Platform and Services.
• User means any person or entity that accesses, registers for, subscribes to, or uses the Platform or Services.
• User Content means Content that you submit, post, upload, transmit, display, distribute, or otherwise make available through the Platform.
• Subscription means a paid subscription to access certain features of the Platform.
• Privacy Policy means the TPOTALK Privacy Policy, as updated from time to time.

1. Acceptance of Terms

1.1 Agreement

These Terms of Service ("Terms") govern your access to and use of the Platform and Services. By accessing, registering for, subscribing to, or using the Platform, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, you may not use the Platform.

1.2 Updates

We may update these Terms from time to time. If we make material changes, we will provide notice by email, on the Platform, or by other reasonable means. Your continued use of the Platform after the effective date of revised Terms constitutes acceptance of the revised Terms.

1.3 Scope

These Terms apply to all Users of the Platform.

2. Platform and Eligibility

2.1 Purpose

The Platform is an information distribution service intended exclusively for licensed mortgage professionals and authorized business representatives located in the United States.

2.2 TPOTALK Is Not a Lender or Adviser

TPOTALK is not a lender, broker, financial institution, or professional adviser. TPOTALK does not originate, process, fund, broker, guarantee, underwrite, or facilitate loans and does not provide legal, financial, compliance, or lending advice.

2.3 No Warranties About Content

All Content on the Platform is provided for general informational purposes only. TPOTALK does not endorse, verify, warrant, or guarantee any User Content or third-party Content.

2.4 Eligibility

To use the Platform, you must be at least 18 years old, capable of forming a binding contract, and not prohibited from using the Platform under applicable law or prior enforcement action by TPOTALK.

2.5 Verification

We may require verification of account type, professional status, business affiliation, or other eligibility information and may approve, deny, limit, suspend, or terminate access at our discretion, to the extent permitted by law.

3. Accounts and Security

3.1 Accurate Information

You agree to provide accurate, complete, and current information when registering and to keep that information updated as needed.

3.2 Account Responsibility

You are responsible for all activity that occurs through your Account.

3.3 Credential Security

You are responsible for safeguarding your credentials and for promptly notifying us of any unauthorized access, suspected compromise, or misuse of your Account.

3.4 No Unauthorized Sharing

You may not share, sell, license, assign, transfer, or permit access to your Account by any unauthorized person.

3.5 Account Enforcement

We may suspend, restrict, or terminate Accounts that provide inaccurate, misleading, fraudulent, or incomplete information, or that create legal, operational, or security risk, in each case to the extent permitted by law.

Optional Activity Sharing Consent

If you enable Content Activity Visibility, you agree that TPOTALK may share your Digital Business Card information and Content Activity (never your account login email or account phone number) with the lenders, vendors, and account executives whose content you engage with, as described in Section 17 of our Privacy Policy. You may withdraw this consent at any time in Settings → Privacy; withdrawal applies going forward. Companies that receive this information must use it only to communicate with you about their mortgage-related products and services, in compliance with applicable law, and may not sell or transfer it. TPOTALK's electronic record of your choice (date, time, IP address, and device) is evidence of your consent.

4. User Content

4.1 Ownership

As between you and TPOTALK, you retain ownership of your User Content, subject to the license granted to TPOTALK under these Terms and the rights granted to other Users under these Terms.

4.2 License to TPOTALK

By submitting User Content, you grant TPOTALK a worldwide, non-exclusive, royalty-free, fully paid-up, transferable, sublicensable license to host, store, reproduce, process, adapt, modify, translate, publish, transmit, display, distribute, perform, create derivative works from, and otherwise use your User Content for the operation, provision, maintenance, improvement, security, analytics, promotion, and lawful administration of the Platform and Services, and for any other purpose for which you provide consent.

4.3 License Duration

This license continues for as long as your User Content is stored on or distributed through the Platform and for a reasonable period thereafter for backup, archival, legal, compliance, audit, dispute-resolution, and operational purposes. To the extent permitted by law, we may also retain and use de-identified or aggregated information derived from User Content.

4.4 Inter-User Rights

You understand and agree that other Users may view, save, download, re-share, or otherwise interact with User Content made available to them through Platform features, subject to their own obligations and the Platform’s settings.

4.5 Your Warranties

You represent and warrant that you have all rights, licenses, consents, permissions, and authority necessary to grant the rights stated in these Terms; that your User Content does not violate any law or third-party right; and that you have obtained all necessary consents from any identifiable individuals whose personal information is included in your User Content.

4.6 TPOTALK Content Actions

We may remove, restrict, refuse to display, or preserve User Content in whole or in part at any time if we believe such action is necessary or appropriate to operate the Platform, comply with law, enforce these Terms, or protect TPOTALK, Users, or third parties.

5. Prohibited Conduct

5.1 Prohibited Content

You may not use the Platform to post, transmit, or distribute Content that is unlawful, fraudulent, defamatory, harassing, hateful, obscene, pornographic, deceptive, misleading, infringing, spam, or otherwise objectionable.

5.2 Prohibited Actions

You may not:

• Violate any applicable law, regulation, or third-party right;
• Impersonate any person or entity;
• Submit false, misleading, or deceptive professional, product, pricing, rate, or affiliation information;
• Scrape, crawl, harvest, mine, or collect data from the Platform without our prior written consent;
• Interfere with the operation, security, or integrity of the Platform;
• Use bots, spiders, scrapers, or other automated means without our prior written consent;
• Bypass access controls, security controls, rate limits, or technical restrictions;
• Reverse engineer, decompile, or disassemble the Platform except to the extent expressly permitted by law;
• Use the Platform to compete with TPOTALK, benchmark the Platform, or build a competing service using Platform data or functionality; or
• Post non-public borrower information, confidential third-party materials, or personal information you are not authorized to disclose.

5.3 Enforcement

We may remove Content, limit features, suspend Accounts, terminate Accounts, or take other enforcement action at any time, with or without notice, if we believe a violation has occurred or that action is reasonably necessary to protect the Platform, Users, or TPOTALK.

6. Moderation and Appeals

6.1 Review Methods

We may review Content and Accounts using automated tools, human review, or both.

6.2 Basis for Action

We may take action based on legal requirements, policy violations, security concerns, fraud prevention, abuse prevention, User reports, or operational considerations.

6.3 Notice

Where feasible and lawful, we may provide notice of enforcement action and a general description of the reason.

6.4 Appeals

You may appeal a Content or Account decision within 30 days by contacting us through the Platform. We may, but are not required to, provide a second review.

6.5 Evidence and Cooperation

We may preserve evidence of violations and may cooperate with law enforcement, regulators, courts, or other authorities as we deem appropriate or as required by law.

7. Third-Party Content and No Reliance

7.1 Third-Party Content

The Platform may contain Content from Users, third parties, advertisers, or linked sources. TPOTALK does not endorse, verify, control, or guarantee such Content.

7.2 Not Author or Publisher

To the fullest extent permitted by law, TPOTALK is not the author, publisher, or speaker of User Content provided by others.

7.3 No Reliance

You acknowledge that User Content may be incomplete, inaccurate, outdated, misleading, or unsuitable for any particular purpose and that you are solely responsible for your reliance on any Content obtained through the Platform.

7.4 Verification

You should independently verify all rates, pricing, program terms, licensing claims, and compliance statements before acting on them.

8. Communications and Platform Use

8.1 Not Private Messaging

The Platform is a content distribution and professional networking service, not a private messaging service unless we expressly state otherwise in writing.

8.2 Contact Buttons

If the Platform offers call, text, email, or similar action buttons, those functions may initiate contact through your device or third-party provider and are not controlled, stored, or monitored by TPOTALK except as described in the Privacy Policy.

8.3 No Privacy Expectation

Content posted or distributed on the Platform is not private correspondence. You should not expect privacy in Content you choose to publish, share, or distribute through the Platform.

8.4 Service Communications

By using the Platform, you consent to receive service-related communications, including account notices, security alerts, policy updates, and operational messages.

8.5 Consent to Future Features and Updated Practices

By creating an Account, accessing the Platform, or continuing to use the Platform after notice of an update, you consent to the collection, use, disclosure, and processing of information as described in these Terms, the Privacy Policy, and any updated versions of those documents, including in connection with future features, products, integrations, services, and other functionality we may offer from time to time, subject to applicable law.

8.6 Notice of Material Changes

We may update the Platform, these Terms, the Privacy Policy, and our data practices from time to time. Where required by law or where we determine in good faith that notice is appropriate, we will provide notice of material changes by email, in-Platform notice, or other reasonable means. Your continued use of the Platform after the effective date of the updated Terms or notice constitutes your acceptance of the changes to the fullest extent permitted by law.

9. AI and Automated Processing

9.1 Purpose

TPOTALK may use automated systems, including machine learning and similar technologies, to operate, secure, analyze, maintain, and improve the Platform.

9.2 Functions

Such systems may be used to rank Content, personalize feeds, summarize information, detect spam or fraud, support search, classify Content, and improve safety, reliability, and product performance.

9.3 Processing Scope

To the extent permitted by law and as described in the Privacy Policy, automated systems may process User Content, metadata, usage data, and publicly available information.

9.4 De-identified Use

We may use aggregated and de-identified information where reasonably practicable. We do not claim ownership of the underlying factual information merely because it appears in User Content.

10. Subscriptions and Payments

10.1 Paid Features

Certain features may require a Subscription.

10.2 Fees and Terms

Fees, billing terms, and renewal terms will be disclosed at the time of purchase.

10.3 Automatic Renewal

Unless otherwise stated, Subscriptions automatically renew until canceled. You authorize us and our payment processors to charge your payment method on file for applicable fees, taxes, and other charges.

10.4 Payment Responsibility

You are responsible for maintaining current payment information and for all charges incurred under your Account.

10.5 Refunds

Refunds, if any, will be governed by the refund policy disclosed at the time of purchase or in these Terms. If no express refund is provided, all payments are non-refundable to the fullest extent permitted by law.

11. Intellectual Property

11.1 TPOTALK Ownership

The Platform, including all software, code, design, text, graphics, logos, icons, images, audio, video, and other materials excluding User Content, is owned by TPOTALK or its licensors and is protected by intellectual property laws.

11.2 Restrictions

You may not copy, modify, distribute, sell, lease, publicly display, publicly perform, or create derivative works from any part of the Platform except as expressly permitted by these Terms or by law.

11.3 Trademarks

The TPOTALK name, logo, and related marks are trademarks of TPOTALK. No license or right to use any TPOTALK mark is granted by implication, estoppel, or otherwise without our prior written consent.

11.4 Feedback

If you provide feedback, suggestions, ideas, or recommendations, you grant TPOTALK a perpetual, irrevocable, worldwide, royalty-free license to use, modify, commercialize, and incorporate that feedback without restriction and without obligation to you.

11.5 DMCA

If you believe Content on the Platform infringes your copyright, you may submit a DMCA notice through our designated contact method. We may remove or disable access to allegedly infringing material and may terminate repeat infringers in appropriate circumstances.

12. Disclaimers of Warranty

12.1 As Is / As Available

THE PLATFORM AND ALL CONTENT, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, TO THE FULLEST EXTENT PERMITTED BY LAW.

12.2 Disclaimer

TPOTALK DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

12.3 No Operational Warranties

TPOTALK DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT CONTENT WILL BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE.

12.4 Your Risk

YOU USE THE PLATFORM AT YOUR OWN RISK AND ARE SOLELY RESPONSIBLE FOR VERIFYING INFORMATION BEFORE RELYING ON IT.

13. Limitation of Liability

13.1 No Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TPOTALK AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2 Cap

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL CUMULATIVE LIABILITY OF TPOTALK FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS SHALL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT PAID BY YOU TO TPOTALK IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13.3 Any Theory

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING CONTRACT, WARRANTY, STATUTE, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE.

13.4 Local Law

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU TO THE EXTENT PROHIBITED BY LAW.

14. Indemnification

14.1 Your Indemnity Obligation

You agree to indemnify, defend, and hold harmless TPOTALK and its affiliates, officers, directors, employees, agents, licensors, suppliers, successors, and assigns from and against any claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your User Content, your use of the Platform, your violation of these Terms, your violation of law, or your infringement or misappropriation of any third-party right.

14.2 TPOTALK Control

TPOTALK reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of those claims.

15. Term and Termination

15.1 Term

These Terms remain in effect until terminated.

15.2 Termination by You

You may stop using the Platform at any time and may terminate your Account through the Platform or by contacting us.

15.3 Termination by TPOTALK

We may suspend or terminate your access to the Platform immediately, with or without prior notice, if we reasonably believe that you have violated these Terms, created legal or security risk, engaged in fraud or abuse, or interfered with the Platform or its Users.

15.4 Effect of Termination

Upon termination, all licenses and rights granted to you under these Terms immediately end, except for provisions that by their nature should survive.

15.5 User Content After Termination

We may, but are not obligated to, preserve, delete, export, or return User Content after termination, subject to our legal, operational, and security needs and Section 4.

16. Dispute Resolution

16.1 Informal Resolution

Before initiating arbitration or litigation, you and TPOTALK agree to attempt in good faith to resolve the dispute informally. A party must send written notice describing the dispute and allowing 30 days for informal resolution.

16.2 Arbitration

If the dispute is not resolved informally, the dispute shall be resolved by final and binding individual arbitration administered by the American Arbitration Association under its applicable rules, except that either party may bring an individual claim in small claims court if eligible.

16.3 Location

Arbitration shall occur in Wyoming, in English, before a neutral arbitrator selected under the applicable rules, unless the parties agree otherwise.

16.4 Class Action Waiver

You and TPOTALK waive any right to participate in a class action, class arbitration, collective action, representative action, or private attorney general action to the fullest extent permitted by law.

16.5 Jury Trial Waiver

You and TPOTALK waive the right to a jury trial to the fullest extent permitted by law.

16.6 Time Limit

Any claim arising out of or relating to these Terms or the Platform must be filed within one (1) year after the claim arose, to the fullest extent permitted by law.

16.7 Opt-Out

You may opt out of arbitration by sending written notice within 30 days of first accepting these Terms, in the manner specified by TPOTALK.

16.8 Venue for Non-Arbitration Disputes

Any dispute not subject to arbitration shall be brought exclusively in the state or federal courts located in Wyoming, and you consent to personal jurisdiction there to the fullest extent permitted by law.

17. Service Continuity

17.1 Discontinuation Notice

If TPOTALK discontinues the Platform, we may provide notice when practicable.

17.2 Export Tools

We may, but are not required to, offer export tools or other means to retrieve User Content.

17.3 Refund for Unused Fees

Any refund, if any, for unused prepaid fees will be determined under the applicable Subscription terms and any mandatory law.

18. Electronic Communications

18.1 Consent to Electronic Communications

You consent to receive electronic communications from TPOTALK.

18.2 Writing Requirement

You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

18.3 Scope

This consent applies to service-related messages, transactional messages, promotional messages, and legal notices, subject to applicable law and your preferences where required.

19. Miscellaneous

19.1 Entire Agreement

These Terms, together with the Privacy Policy and any additional policies referenced herein, constitute the entire agreement between you and TPOTALK regarding the Platform.

19.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect to the maximum extent permitted by law.

19.3 No Waiver

TPOTALK’s failure to enforce any provision is not a waiver.

19.4 Assignment

You may not assign or transfer these Terms without our prior written consent. TPOTALK may assign these Terms freely.

19.5 No Third-Party Beneficiaries

There are no third-party beneficiaries to these Terms except as expressly stated.

19.6 Force Majeure

We shall not be liable for any delay or failure in performance caused by events beyond our reasonable control.

19.7 Headings

Section headings are for convenience only and do not affect interpretation.

19.8 Export and Trade Controls

You agree to comply with all applicable export, sanctions, and trade control laws and regulations.

20. Contact Us

If you have questions about these Terms, please contact TPOTALK, LLC — Legal Department through our contact page:

Contact form: tpotalk.com/contact

BY USING TPOTALK, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE, INCLUDING THE ARBITRATION AGREEMENT AND CLASS ACTION WAIVER.