Version v1.0-2026-07-01
IMPORTANT DISCLOSURES — PLEASE READ 1. AI Assistant Notice. You are interacting with an AI-powered intake assistant. It can answer general questions about loan products, required documents, and process steps. It CANNOT approve or deny a loan, quote a rate or APR, pre-qualify you, or make any credit decision. Any decision-related question is routed to a licensed human loan officer. 2. Equal Credit Opportunity Act (ECOA / Regulation B). Credit decisions are made without regard to race, color, religion, national origin, sex, marital status, age, or because you receive public assistance income. If a credit decision is made, you have the right to a statement of specific reasons. 3. Fair Credit Reporting Act (FCRA). No consumer credit report will be obtained from this intake tool. A soft or hard credit inquiry, if any, will occur only after you speak with a licensed loan officer, receive additional disclosures, and provide written authorization establishing permissible purpose under 15 U.S.C. § 1681b. 4. Recording & Data Use. Your intake responses and chat messages are stored for compliance, audit, and quality-assurance purposes. Do not enter your full Social Security Number, date of birth, or full account numbers. The system will attempt to detect and redact such values before they reach the AI, but you should not rely on that as a substitute for withholding sensitive data. 5. Not Legal, Tax, or Financial Advice. Information provided is general in nature and is not a commitment to lend. 6. State Licensing. Loans are offered only in states where the lender and originator are properly licensed. [Placeholder — replace with your NMLS number, state licenses, and required state-specific disclosures before production use.] By selecting "I Accept" you acknowledge that you have read and understood these disclosures.