Terms of Use

fundid.ai is a mortgage intelligence platform operated by TXCO FS Corp. We are not a lender and not a mortgage broker. We do not make loans, issue approvals or denials of credit, quote you binding terms, or take mortgage applications. We provide analysis tools that help you understand your position and connect you with licensed professionals who can act on it.

A verdict is an automated, educational estimate generated from the information you provide and current market data. It is not a loan offer, a pre-approval, a pre-qualification, a commitment to lend, or a credit decision, and it is not financial, legal, or tax advice. Rates and scenarios shown alongside a verdict are indicative averages, not terms available to you.

Only a licensed loan officer, working from a full application, can offer or negotiate actual loan terms. If information you provide is incomplete or inaccurate, the verdict will be too.

Where fundid.ai connects you with a loan officer, that person is licensed under the SAFE Act and registered in the Nationwide Multistate Licensing System (NMLS). Their NMLS ID is displayed so you can verify their license at nmlsconsumeraccess.org. Taking your application, offering terms, and negotiating terms happen only with a licensed professional — never with the software alone.

You must be at least 18 and using fundid.ai for your own, lawful purposes. You agree that the information and documents you provide are accurate and yours to share — upload only statements and records that belong to you or that you are authorized to use.

You agree not to: attempt to access other users’ information or probe our security controls; scrape, harvest, or bulk-extract content or data; interfere with the service’s operation; misrepresent your identity; or use the service to violate any law, including fair-lending and consumer-protection law. We may suspend access that threatens the security or integrity of the platform.

The service is provided “as is” and “as available,” without warranties of any kind, express or implied. Automated estimates — including verdicts, property-value estimates, and rate scenarios — may be inaccurate or out of date, and we do not warrant that any particular outcome is achievable.

To the maximum extent permitted by law, TXCO FS Corp. and its licensors are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the service. The specific liability cap and carve-outs for this section will be finalized by counsel before these terms take effect.

We may update these terms as the service evolves. For material changes we will provide notice within the product before the updated terms apply to you. Continued use after notice means you accept the updated terms. Questions about these terms: legal@fundid.ai.