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 twenty-six paragraphs of "yes, we mean it."

1. What cal is — and 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 seat. Seats are cheap; abuse isn't.
• 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

• Monthly or annual, your choice. Annual is 20% off — handled in the welcome email, not a sales call.
• We'll bill the card on file at the start of each period. If a charge fails, we'll email twice before pausing the account.
• Cancel any time, in-app, no retention call. The current period runs out; we don't pro-rate downward. We do pro-rate upward if you add seats mid-cycle.
• Two-week trial means two weeks. No card required. If we extended it to 60 days because you typed the magic word in our console, we honor that too.

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, we'll hand you an export and run the delete script 90 days later — unless you ask for immediate deletion, which we'll do within 72 hours.

7. Uptime & downtime

We aim for 99.9% monthly uptime. We don't promise it on the solo and team tiers; we will commit to it on enterprise contracts. 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 to take with you (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.