The plain-English version.

Use cal in good faith, pay the bill, don't break the law, and we'll do the same on our end. That is the deal in twenty words. The rest of this page is eleven short sections of "yes, we mean it."

1. What cal is, and what it isn't

cal is software. Specifically, a copilot and reference layer for licensed mortgage professionals. It surfaces guidelines, helps draft scenarios, and organizes communication with borrowers and agents.

2. Your account

• You promise you're an adult, currently licensed (where required), and using cal in your professional capacity.
• Magic-link sign-in is per-person. Don't share the link, don't share the account. One loan officer, one account.
• You're responsible for what gets done inside your account. If your assistant uses it, they're you for our purposes.

3. Acceptable use

Don't do the obvious stuff:

• No scraping the product for a competitor.
• No reverse-engineering, no automated bulk-querying, no resale.
• No uploading PII that isn't yours to upload (your borrowers, your file, that's fine; someone else's database, not fine).
• No using cal output to mislead a borrower, an agent, or a regulator. We'll fire customers who do this. Quietly, in writing, with a refund pro-rated to the day.

4. Billing

• For new customers, Cal Core is $99 per loan officer per month after a 7-day trial. The trial starts at your first verified sign-in and requires no credit card. After seven days, tool access pauses until you add a credit card through Stripe and activate a paid subscription. Subscribing starts paid access and billing immediately at $99/month, including if you subscribe before the trial ends. Your subscription renews monthly until canceled. If you do not subscribe, you are not charged. Existing monthly, annual, and trial agreements remain protected under their terms. Growth and Operate are coming soon and are not available for purchase.
• Payments are processed by Stripe. We bill the card on file at the start of each period. If a charge fails, Stripe retries it on its normal schedule and sends its own receipts and payment notices. If the retries do not succeed, the subscription ends and paid access stops.
• Cancel any time from the billing page, no retention call. The current period runs out and does not renew. We do not pro-rate downward. If you change plans mid-cycle, the change is pro-rated.
• Create an account and verify your sign-in to start an eligible trial. Feature availability depends on your plan and the readiness labels shown in the product.

5. Citations & accuracy

Every answer cal gives ships with a citation back to the registry record it came from. We work hard to keep the registry fresh, but lender guidelines change weekly and human input matters. The LO is responsible for verifying any guideline-dependent decision against the lender's then-current materials before relying on it for a borrower-facing action.

6. Your data

You own your data. We process it to run the service, and that's it. Details in the privacy policy. On cancellation, email chris@askcal.io and we'll send you your saved answers and lender panel as files. Canceling a plan does not delete your account. Your account remains until you delete it using an available in-app control or ask us to delete it by email. Deletion, retained records, backups, and request timelines follow the privacy policy.

7. Uptime & downtime

We aim for 99.9% monthly uptime. We don't promise it on the Cal plan; we will commit to it in a separate written agreement. If we have an incident that affects you, you'll see a written post-mortem within five business days. No PR-speak.

8. Liability

cal's total liability to you for any claim is capped at the fees you paid us in the trailing three months. We can't be liable for indirect, special, or consequential damages, including missed closings, blown rate locks, or loan-officer pride. That cap survives termination.

9. Termination

Either side can end the relationship for any reason. If we end it, we'll refund any unused portion of the current period. If you end it, your data is yours, and we'll send it to you on request (see §6).

10. Governing law

California law governs. Disputes go to the state and federal courts seated in Contra Costa County, CA. No mandatory arbitration. No class-action waiver. If you and we end up in front of a judge, that's fine, we'll see you there.

11. Changes

We'll email every active customer before any change that materially affects your rights, with at least 30 days' notice. If you don't like the new terms, you can cancel and we'll refund the unused remainder.