Terms of Service

JEM Mortgage AI is an operating platform for mortgage professionals: document intelligence, AI-assisted underwriting analysis, pipeline management, and communications drafting. It is provided to your organization under a pilot agreement during the early-access program.

JEM assists licensed professionals. It does not make lending decisions, issue approvals or denials, or communicate credit decisions to consumers. All AI output — analysis, risk scoring, recommendations, drafted messages — is decision support that requires review and approval by a qualified human. You are responsible for compliance with applicable lending laws and regulations in your jurisdiction.

Keep credentials secure, share borrower links only with the borrower they belong to, rotate links when in doubt, and ensure you have the right to upload the documents you process.

Early-access software is provided as-is; we work in good faith to keep it available and your data safe (see Security). Our liability is limited to the amounts paid for the service in the preceding three months.

christopher71.hall@gmail.com