Terms of Service

1. Acceptance of Terms

By accessing or using Loan Shark AI's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services. These terms apply to all visitors, users, and others who access or use the service.

2. Service Description

Loan Shark AI provides an AI-powered loan document analysis service that:

• •Analyzes loan documents to extract key terms and conditions
• •Provides loan health scores and risk assessments
• •Identifies potentially predatory lending practices
• •Generates payment scenarios and financial projections
• •Offers educational resources about loan terms and conditions

3. User Responsibilities

When using our service, you agree to:

• •Provide accurate and truthful information
• •Only upload documents you own or have permission to analyze
• •Use the service only for lawful purposes
• •Maintain the confidentiality of your account credentials
• •Comply with all applicable federal, state, and local laws

4. Prohibited Uses

You may not use our service to:

• •Upload documents containing personal information of others without consent
• •Attempt to reverse engineer or hack our AI algorithms
• •Use the service for any fraudulent or illegal activities
• •Circumvent usage limits or create multiple accounts to exceed limits
• •Interfere with or disrupt the service or servers
• •Use the service to compete with or replicate our offerings

5. Intellectual Property Rights

The service and its original content, features, and functionality are and will remain the exclusive property of Loan Shark AI and its licensors. The service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent. You retain ownership of any documents you upload, but grant us a limited license to process them for analysis purposes only.

6. Payment Terms

7. Service Availability

We strive to provide reliable service but cannot guarantee 100% uptime. The service may be temporarily unavailable due to maintenance, updates, or unforeseen technical issues. We reserve the right to modify, suspend, or discontinue any part of the service at any time with reasonable notice to users.

8. Disclaimers

• •Results are based on AI analysis and may contain errors or inaccuracies
• •We make no guarantees about the accuracy, completeness, or reliability of our analysis
• •Users should always consult qualified professionals before making financial decisions
• •The service is provided "as is" without warranties of any kind

9. Limitation of Liability

In no event shall Loan Shark AI, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service. Our total liability to you for any claims arising from these terms or your use of the service shall not exceed the amount you paid us in the 12 months preceding the claim.

10. Indemnification

You agree to defend, indemnify, and hold harmless Loan Shark AI from and against any claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from your use of the service, violation of these terms, or infringement of any third-party rights.

11. Termination

We may terminate or suspend your account and access to the service immediately, without prior notice or liability, for any reason, including if you breach these Terms of Service. You may terminate your account at any time by contacting us or using account deletion features.

Upon termination, your right to use the service will cease immediately. All provisions of the Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Data Export and Account Deletion

Before terminating your account, you may request an export of your analysis history and account data. Upon account deletion, all personal data will be permanently removed within 30 days, except as required for legal compliance or legitimate business purposes.

13. Governing Law

These Terms shall be interpreted and governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of the service will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. Material changes will be communicated through email notification or prominent notice on our service. Your continued use of the service after changes become effective constitutes acceptance of the new Terms.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our service and supersede any prior agreements.

16. Contact Information

If you have any questions about these Terms of Service, please contact us: