Terms of Service
Effective Date: September 1, 2026 | Last Updated: September 5, 2026
LoanAuditAi.com is an independent consumer self-help software platform providing automated mathematical calculations, compliance comparisons against federal statutes, and pre-formatted dispute templates. LoanAuditAi is NOT a law firm, attorney, mortgage servicer, lender, credit repair organization, or debt settlement entity. Using this software does not create an attorney-client relationship. Our audit reports and dispute templates are self-help informational tools to assist homeowners in exercising their statutory rights under federal law (12 U.S.C. § 2605, 12 CFR § 1024.35, and 12 U.S.C. § 4902).
1. Acceptance of Terms
By accessing LoanAuditAi.com, uploading mortgage documentation, or purchasing audit services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must discontinue use of the platform immediately.
2. Description of Services & Deliverables
LoanAuditAi offers consumer financial analysis tools including:
- Forensic Statement Auditing: Automated comparison of statement figures against RESPA § 10 escrow cushion caps (12 CFR § 1024.17) and Homeowners Protection Act PMI drop thresholds (12 U.S.C. § 4902).
- Dispute Documentation: Pre-drafted Qualified Written Request (QWR) / Notice of Error (NOE) letters citing relevant federal statutes for consumer transmission to mortgage servicers.
- Verified Health Certificates: Downloadable PDF verification records for mortgage accounts showing compliant metrics.
3. 100% Satisfaction & Money-Back Guarantee
We stand firmly behind our engineering and our mission to support everyday homeowners. If our $29 Full Statement Audit detects zero servicing discrepancies, or if you are unsatisfied with your dispute documentation package for any reason within thirty (30) days of purchase, email [email protected] with your order details and we will issue a complete 100% refund promptly.
4. User Responsibilities & Accuracy of Uploads
The accuracy of generated audit reports depends on the data provided. You represent that you are the lawful account holder or authorized representative of the mortgage account submitted, and that uploaded statements are authentic and unaltered.
5. Limitation of Liability
To the maximum extent permitted by applicable law, LoanAuditAi.com shall not be liable for any indirect, incidental, or consequential damages resulting from a mortgage servicer's response or failure to respond to consumer dispute letters, changes in lender policies, or servicer accounting adjustments. Our total liability for any claim arising from our services is limited to the amount paid by you for the specific audit service.
6. Contact & Dispute Resolution
For questions regarding these Terms or billing inquiries, please contact our support desk:
Email: [email protected]
Founder & Owner: Service-Disabled Veteran-Owned Business
Website: https://loanauditai.com