Quote Desk LLC Terms of Service

These Terms of Service are an agreement between you and Quote Desk LLC for the use of QuoteDesk. By creating an account, accepting these Terms, starting a trial, starting a paid subscription, joining a Team, Business, or Enterprise workspace, or using the service, you agree to these Terms and the Privacy Policy.

Quote Desk LLC is a Michigan domestic limited liability company, Entity ID 900209967.

QuoteDesk is intended for business use by mortgage professionals and related teams. You must provide accurate account information, keep credentials secure, and be authorized to connect any Google, Microsoft, Stripe, vendor, company, or email account used with QuoteDesk.

Company customers are responsible for managing authorized users, roles, permissions, company billing access, and company-controlled lead records. Solo users are responsible for activity under their own accounts.

Solo, Team, Business, and Enterprise access requires an active trialing or paid subscription unless Quote Desk LLC grants administrative or temporary access. Solo trials automatically convert to paid Solo subscriptions at the end of the trial period unless canceled through Stripe or another available cancellation method before billing begins. Cardless company trials are invite-only, start only when the invited user accepts with the invited email address, include up to 2 company seats, and do not automatically convert.

If a cardless company trial expires before the company converts to a paid subscription, QuoteDesk may preserve the workspace and data but lock application access until an authorized company owner or billing administrator completes paid checkout.

Billing is processed by Stripe. Prices, plan terms, renewal cadence, promotion codes, payment method reuse, and cancellation options are shown during checkout, in the Stripe customer portal, or in related QuoteDesk billing screens. Team and Business subscriptions have fixed user caps. Enterprise subscriptions may adjust when seats are added above the included user count.

Unless a written agreement says otherwise, subscriptions renew until canceled, fees are billed in advance, and refunds or credits are not guaranteed.

Base subscription support includes email responses, fast turnaround on confirmed bug fixes when issues are found, and general Q&A. Hands-on implementation help, custom feature work, and similar services require a separate quoted support contract for company plans. Support contracts are billed separately from app subscriptions and may be canceled independently through available billing controls.

You may not use QuoteDesk to break the law, violate borrower privacy, send unlawful or deceptive communications, upload malware, interfere with the service, scrape or reverse engineer the service, bypass subscription or permission checks, overload background processing, or access data you are not authorized to access.

You are responsible for complying with mortgage, advertising, telemarketing, email, SMS, privacy, fair lending, recordkeeping, and licensing requirements that apply to your business.

You retain responsibility for lead, borrower, company, vendor, contact, email, quote, and document data you submit to or import into QuoteDesk. You represent that you have the rights, notices, consents, and legal basis needed to process that data through QuoteDesk and connected providers.

You authorize Quote Desk LLC and its service providers to process customer data as needed to provide, secure, bill, support, and improve QuoteDesk. You also authorize QuoteDesk to act on your configuration, including email intake rules, vendor intake endpoints, quote rules, PDF settings, and company permissions.

QuoteDesk generates preliminary workflow materials only. Quote outputs, payment estimates, cash-to-close estimates, emails, SMS drafts, and PDFs are not Loan Estimates, loan approvals, rate locks, commitments to lend, underwriting decisions, legal advice, tax advice, financial advice, or compliance advice.

Final loan terms depend on verified credit, income, assets, property details, program eligibility, market conditions, pricing, disclosures, and underwriting. Users must review and approve all generated content before sending it to borrowers, vendors, lenders, or clients.

QuoteDesk integrates with providers such as Google, Microsoft, Stripe, Vercel, Resend, OpenAI when optional AI parsing is enabled, and other services needed to operate the product. Your use of those services may be subject to their own terms, privacy policies, account controls, and service limits.

Quote Desk LLC is not responsible for third-party outages, account restrictions, provider policy changes, declined payments, mailbox permission changes, email delivery issues, or third-party service behavior outside Quote Desk LLC control.

Optional AI parsing may be enabled by default when Quote Desk LLC has enabled the runtime feature. Users can turn AI parsing off in account settings, and company leads may also be limited by company AI privacy settings. AI output may be incomplete, inaccurate, or unsuitable for a specific workflow.

You are responsible for reviewing AI-assisted outputs and deciding whether they are appropriate. QuoteDesk may fall back to deterministic parsing or mark records for review when fields are missing or low confidence.

Quote Desk LLC owns QuoteDesk, including the software, workflows, design, templates, source code, documentation, trademarks, and product improvements. Subject to these Terms, you receive a limited, non-transferable right to use QuoteDesk during your active access.

You own or control the customer data you submit, subject to the rights granted in these Terms. If you provide feedback, suggestions, or ideas, Quote Desk LLC may use them without restriction or compensation.

You may stop using QuoteDesk or cancel a subscription through the available billing controls. Quote Desk LLC may suspend or terminate access for nonpayment, security risk, legal risk, misuse, violation of these Terms, or discontinuation of the service.

After termination, access to the dashboard and connected workflows may end. Quote Desk LLC may retain information as described in the Privacy Policy for legal, billing, security, backup, dispute, and operational purposes.

QuoteDesk is provided on an as-is and as-available basis to the maximum extent allowed by law. Quote Desk LLC does not warrant that the service will be uninterrupted, error-free, secure, or that generated content will be accurate or compliant for your use case.

To the maximum extent allowed by law, Quote Desk LLC will not be liable for direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, business interruption, or compliance failures. The total liability of Quote Desk LLC for any claim is capped at $0.

These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-law rules. Any permitted lawsuit or legal proceeding must be brought in state or federal courts located in Michigan unless a signed agreement says otherwise. You and Quote Desk LLC waive any right to participate in a class action to the maximum extent allowed by law.

You are responsible for claims arising from your misuse, unlawful use, or violation of these Terms. If any provision of these Terms is unenforceable, the remaining provisions will remain in effect to the extent permitted by law. These Terms, the Privacy Policy, and any signed order or agreement form the current agreement for use of QuoteDesk.

Contact: Quote Desk LLC, a Michigan domestic limited liability company, Entity ID 900209967, admin@quotedesk.app, https://quotedesk.app, 313-717-2424. Registered agent contact: Jeff Valentic. Legal notices may be sent to admin@quotedesk.app. Support is available Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time. Quote Desk LLC may take up to 5 business days to respond to emails and return calls.

Quote Desk LLC may update these Terms from time to time. The version, effective date, and last updated date at the top show the current version. Material updates may require renewed acceptance before checkout or continued use.