Waypoint

1. The Beta Service

1.1 What it is. Waypoint provides a software platform for mortgage loan officers, currently including a mortgage quote/comparison tool, the Beacon co-branded flyer tool, the Atlas guideline-search tool, and a borrower chat tool, with related features we add over time (the "Beta Service" or "Service").

1.2 Beta status. The Beta Service is a pre-release, evaluation product. It may be incomplete, may change or be discontinued at any time, may contain errors, and may be unavailable without notice. It is not a system of record, a loan origination system, or a substitute for your own compliance, underwriting, or recordkeeping obligations.

1.3 No charge. During the beta period the Beta Service is provided free of charge. We may introduce fees in the future; if we do, we will give you notice and the chance to decline before any charge applies.

1.4 Where it's intended for use. The Beta Service is intended for use by mortgage professionals serving consumers located in the United States. It is not directed to, or intended for, individuals located in the European Union, the United Kingdom, or the European Economic Area, and you will not use it to market to or serve such individuals.

2. Your right to use it

2.1 We grant you a personal, non-exclusive, non-transferable, revocable license to access and use the Beta Service for your own mortgage business during the beta period.

2.2 You will not: resell, sublicense, or share your access; reverse-engineer or copy the Service; use it to build a competing product; remove or alter any disclosure, footer, disclaimer, or notice we include; or upload bulk borrower contact lists except through a feature we expressly provide for that purpose.

3. Your responsibilities (this section matters most)

You represent, warrant, and agree that:

3.1 You're licensed and authorized. You hold all licenses (including NMLS where applicable) and authority required to do your job and to use the Service, and your use complies with all laws and with your employer's and lender's policies.

3.2 You have the right to input what you input. For every borrower, client, or third party whose information you enter (including names, phone numbers, email addresses, income, and loan scenarios), you have the authority and any necessary permission to provide that information to us for processing.

3.3 You will surface the borrower notice. Where the Service shares a quote, flyer, chat, or link with a borrower or other consumer, you will make Waypoint's then-current Borrower Privacy & Tracking Notice available to that person (the Service is built to present it for you; you will not remove or suppress it).

3.4 You will comply with marketing and lending law. You are solely responsible for your own compliance with, including but not limited to: RESPA (no referral-tied things of value), TILA/Regulation Z advertising rules for any rate or payment you present, ECOA/Regulation B, TCPA and CAN-SPAM and Do-Not-Call rules for any outreach you initiate, UDAAP, and applicable state privacy law. You will not use the Service to convey misleading quotes or terms.

3.5 Accuracy. You are responsible for the accuracy of the rates, figures, and content you enter or present. Outputs (including Atlas guideline results) are decision-support only and must be independently verified before you rely on them.

3.6 No prohibited data. You will not enter Social Security numbers, full credit reports, or full loan-application files into the Service. The Service is designed for the pre-application and post-close ends of the process, not as a system of record for application-grade NPI. What the platform itself enforces: borrower NPI is not served to the anonymous share link; household income never leaves the loan-officer side and has been excluded from shared borrower snapshots since migration 24; and borrower chat input is automatically scanned, with NPI-shaped entries (Social Security, account, and phone numbers; email addresses) masked before storage.

4. Data — who owns and may use what

4.1 Your content. As between you and us, you (and/or your lender/borrowers, as applicable) own the borrower information and content you put into the Service ("Your Content"). You grant us a license to host, process, and use Your Content to operate, secure, support, and improve the Service, and as described in the Borrower Privacy & Tracking Notice.

4.2 Service data and analytics. We collect and generate data about how the Service is used (including borrower engagement events, intent signals, and outcomes). We may use this to operate, secure, analyze, and improve the Service.

4.3 De-identified and aggregated data. We may create de-identified and/or aggregated data from Service use, and we may use, retain, and disclose that de-identified/aggregated data for any lawful purpose, including transferring it in connection with a sale, merger, financing, or other business transaction. "De-identified" means data processed so it cannot reasonably be used to identify a specific individual; we will not attempt to re-identify it and will contractually require recipients not to. We will not sell or license identified borrower information to third parties who are not the source of it.

4.4 Our platform. We own the Beta Service and all software, models, designs, templates, and content we provide, and all improvements to them. Nothing here transfers our intellectual property to you. Feedback you give us we may use freely.

4.5 Service providers. We use third-party providers to run the Service (currently including our hosting/database provider, an email provider, an AI provider, and geolocation/mapping/property-data providers). They process data on our behalf under confidentiality and data-protection terms.

5. Confidentiality

Each party may receive non-public information from the other. You will keep the Beta Service, its features, performance, and any non-public information we share confidential, and use it only to use the Service. (This does not restrict your ordinary handling of your own borrower relationships.)

6. Disclaimers — read this

6.1 As is. THE BETA SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any result (including any quote, flyer, guideline answer, or intent score) is accurate, complete, or suitable for any purpose.

6.2 Not legal, financial, or compliance advice. The Service does not provide legal, regulatory, underwriting, or financial advice. You remain responsible for compliance and for every communication you make to a borrower or partner.

7. Limitation of liability & indemnity

7.1 Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE BETA SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100), AND WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS OR DATA.

7.2 Your indemnity. You will defend, indemnify, and hold us harmless from claims, losses, and costs arising from: your use of the Service; Your Content; your communications to borrowers or partners; your breach of Section 3; or your violation of law (including RESPA, TCPA, CAN-SPAM, Regulation Z, ECOA, or privacy law).

8. Feedback

If you give us feedback, suggestions, or ideas, we may use them without restriction or obligation to you.

9. Term & termination

9.1 This Agreement runs until the beta ends or until either party terminates it.

9.2 Either party may terminate at any time, for any reason, with notice. We may suspend or terminate your access immediately if you breach Section 3 or misuse the Service.

9.3 On termination, your license ends and you stop using the Service. Sections 4, 5, 6, 7, 8, and 10 survive. We will handle Your Content per the Borrower Privacy & Tracking Notice and applicable law, including honoring deletion requests.

10. General

10.1 Changes. We may update this Agreement; we will post the new version and, for material changes, give notice. Continued use after the effective date means you accept it.

10.2 Governing law. This Agreement is governed by the laws of , without regard to conflict-of-laws rules.

10.3 Entire agreement; assignment. This is the entire agreement between us on this subject and supersedes prior discussions. You may not assign it; we may assign it to a successor in a merger, acquisition, or sale of assets.

10.4 Severability; no waiver. If any part is unenforceable, the rest stays in effect. Our failure to enforce a term is not a waiver.

10.5 Contact. our contact · Waypoint.