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MortRadarTERMINAL

Early access — pending counsel review

These are our operative terms and we hold ourselves to them. They have not yet been reviewed by external counsel and MortRadar is in early development, so they may change; material changes are notified before they take effect and the version identifier on each document changes with them. Nothing here is legal advice.

Draft — pending owner review

This document has been redrafted against what the product actually does and is awaiting the owner's sign-off. It is operative — we hold ourselves to it — but the wording may still change before it is final, and the version identifier will change with it.

Terms of Service

Version 2026-08-02 · effective 2 August 2026

1. Acceptance

These Terms govern your access to and use of MortRadar (the "Service"). By creating an account or using the Service you agree to them. If you do not agree, do not create an account and do not use the Service. If you are agreeing on behalf of a company, you confirm you are authorised to bind that company.

2. What the Service is

MortRadar is a research terminal over periodic loads of public data — including HMDA (CFPB/FFIEC), Ginnie Mae disclosure files, FHFA public-use databases, FFIEC and NCUA call reports, and Federal Reserve rate series. We assemble, match and aggregate that data and present derived metrics. We do not originate, service or broker loans, and we are not a credit reporting agency. Nothing in the Service is a consumer report, and it may not be used for any purpose regulated by the Fair Credit Reporting Act.

The Service is not real time. Each source has its own publication cadence and its own last-loaded date, both of which are published on our status board.

Some views present derived analytics — aggregations, benchmarks, rates and rankings that we compute and no agency publishes — including views that describe a named institution unfavourably relative to its peers. Those are statistical derivations over public records, not findings about anyone, and each carries its basis, its limits and a route to contest or correct it on the surface itself. See the Disclaimer.

3. Beta

The Service is in beta. Features are added, changed and withdrawn without notice; datasets are still being loaded and backfilled, so coverage on any given surface may be partial and may change between visits; and availability is not guaranteed. We do not offer a service level, and no uptime, retention or continuity commitment is made or implied during beta. Use it accordingly, and verify anything you intend to act on against the underlying public source.

4. Your account

You are responsible for the accuracy of your registration details, for keeping your credentials and API keys confidential, and for all activity under your account. Tell us promptly at support@mortradar.com if you believe an account or key has been compromised; we can revoke a key immediately from your account page. Accounts are for the named user. Sharing one login across a team, or using one account to serve another organisation, is not permitted.

5. Acceptable use

You agree not to:

  • scrape, crawl or bulk-extract the Service, or use it to build or train a competing dataset or model;
  • redistribute, resell or sublicense data extracts, in whole or in substantial part, except as expressly permitted in writing;
  • circumvent or attempt to circumvent access controls, entitlement gates, rate limits or export budgets, including by creating multiple accounts;
  • use the Service to make a decision about an individual consumer's eligibility for credit, insurance, employment or housing; or
  • interfere with the operation, security or availability of the Service.

We enforce per-tier rate limits and monthly export row budgets. These are contractual limits as well as technical ones: defeating them is a breach of these Terms even where it succeeds technically.

6. Data rights and attribution

The underlying public datasets remain the property of, and subject to the terms of, their publishers; several carry their own attribution and non-endorsement requirements, which we reproduce on the Data Attribution page and which you must observe when you republish anything derived from them. Our compilation, matching, derived metrics, interface and documentation are ours. You keep everything you upload or author; you grant us only the licence needed to operate the Service for you.

7. Plans, trials and billing

Nothing is charged during beta. Our payment processor is connected in test mode only: a Subscribe button does reach its hosted card form, but that form accepts test cards, no live charge can be taken, and no real card number is captured. Prices on the pricing page are indicative of what plans are expected to cost, not an offer, and they may change before billing is enabled. Any tier access you have during beta is granted, not sold — we do not take payment for it.

A free account is free indefinitely. Each account may start one free trial of a paid tier, without a card; when it ends the account returns to the free tier and nothing is charged. Trials are one per account, not one per subscription — cancelling and re-subscribing does not renew the entitlement to a trial.

When paid plans are enabled, the terms will be these: billed in advance monthly or annually through our payment processor; cancel at any time from the billing portal, which stops the next renewal and leaves access in place for the remainder of the paid period; no pro-rating of partial periods; fees exclusive of taxes. We will notify you before billing is enabled on your account, and you will never be moved from a granted beta tier onto a charge without agreeing to it first.

8. AI features

Some features generate written commentary, summaries, briefings and natural-language query results using a third-party large language model. Two things about them are contractual, not marketing:

  • The figures are ours; only the prose is generated. Every number an AI feature can put on screen is retrieved from our data layer first and passed to the model as a fixed set of facts it is instructed to use verbatim. Output is then checked automatically: numbers that do not trace back to the retrieved evidence cause the answer to be withheld rather than shown. This is a guardrail, not a guarantee — it constrains fabricated figures, and it does not make the surrounding prose correct.
  • Generated text is not advice and is not reviewed by a human before you see it. It can be wrong, incomplete or misleading, it can misread a correct number, and it must not be relied on without checking the underlying data — which every AI surface links to. The no-advice and no-warranty terms below apply to generated output in full.

Prompts you type and the retrieved data accompanying them are sent to our model provider to produce a response, and are handled as described in the Privacy Policy. Do not paste confidential or personal information into an AI feature. AI features are metered per tier and may be rate-limited, degraded or switched off — a feature that cannot run says so rather than guessing.

9. No warranty; no advice

The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. Public source data contains errors, revisions and gaps; where we lack data we show an honest gap rather than a fabricated value, but we do not warrant that any figure is complete or correct. Nothing in the Service is investment, legal, tax, accounting or compliance advice, and a statistical disparity shown in any fair-lending view is an observation about public data, not a determination that anyone has discriminated. See the separate Disclaimer.

10. Limitation of liability

To the maximum extent permitted by law, MortRadar is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or business opportunity, arising out of or relating to the Service — including any decision made in reliance on it. Our total aggregate liability for all claims is limited to the greater of the fees you paid us in the twelve months before the claim arose, or US$100.

11. Suspension and termination

You may close your account at any time. We may suspend or terminate access for breach of these Terms — in particular section 5 — or where required by law, and will give notice where we reasonably can. On termination your right to use the Service ends; sections 6, 9, 10 and 12 survive.

12. Changes, governing law and contact

We may update these Terms. Material changes will be notified by email or in the product before they take effect, and the version identifier above will change. Continued use after the effective date is acceptance of the updated Terms. These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-laws rules.

Legal notices and questions: support@mortradar.com.