Terms of service.

These Terms of Service (“Terms”) govern your access to and use of WOWMi, a web and mobile platform (the “Service”) provided by WOWMi LLC (“WOWMi,” “we,” “us,” or “our”). By accessing or using the Service, or by clicking a button indicating acceptance, you agree to these Terms. If you do not agree, you may not use the Service.

If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms. In that case, “Customer,” “you,” and “your” refer to that entity.

1. The Service

WOWMi is a business-to-business software platform that enables loan officers and lending teams to create, manage, and distribute AI-generated mortgage-marketing content. The Service is intended for use by enterprise customers and their authorized team members. It is not intended for personal, family, or household use, and is not directed to individual consumers or to children under 16.

2. Accounts

2.1 Registration

To use the Service, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

2.2 Users

Customer may authorize its employees, contractors, and agents (“Users”) to access the Service under Customer's account. Customer is responsible for its Users' compliance with these Terms. Each User must access the Service under a separate login and may not share credentials.

2.3 Eligibility

You must be at least 18 years old and capable of entering into a binding contract to use the Service. Where the Service is used in a regulated mortgage-lending context, the User represents that they hold any licenses required to perform their role (including, where applicable, an active NMLS registration).

3. Subscriptions, fees, and payment

3.1 Subscription plans

The Service is offered on a monthly or annual subscription basis. Pricing and plan features are available at the point of purchase within the Service or on our website. There is no free trial — a paid subscription is required from day one.

3.2 Billing

You authorize WOWMi and its payment processor to charge your designated payment method for all fees when due. Subscriptions renew automatically at the end of each billing period (monthly or annual) at the then-current rate unless cancelled before renewal. You are responsible for providing current, complete, and accurate billing information.

3.3 Taxes

Fees are exclusive of applicable taxes. You are responsible for all sales, use, VAT, GST, or similar taxes associated with your subscription, except for taxes based on WOWMi's net income.

3.4 No refunds

Except where required by law, fees are non-refundable. Cancelling a subscription stops future renewals but does not refund fees already paid for the current billing period.

3.5 Changes to pricing

We may change subscription pricing. For annual subscriptions, changes take effect at the start of the next renewal term. For monthly subscriptions, we will provide at least 30 days' notice before a price change takes effect.

3.6 Late payment

If payment fails or is overdue, we may suspend or terminate the Service after reasonable notice. Overdue amounts may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law.

4. License and acceptable use

4.1 License to use the Service

Subject to these Terms and timely payment of fees, WOWMi grants Customer a non-exclusive, non-transferable, non-sublicensable, worldwide right to access and use the Service during the subscription term for Customer's internal business purposes.

4.2 Restrictions

You will not, and will not permit any User or third party to:

• Copy, modify, or create derivative works of the Service;
• Reverse engineer, decompile, or disassemble the Service, except to the extent this restriction is prohibited by applicable law;
• Sell, resell, rent, lease, or sublicense access to the Service;
• Use the Service to build a competing product or service;
• Remove, alter, or obscure any proprietary notices in the Service;
• Use the Service to transmit malware, conduct security attacks, or interfere with the Service's operation;
• Use the Service in violation of applicable law, including laws governing mortgage marketing, advertising, consumer protection, or data privacy (including TCPA, RESPA, TRID, UDAAP, ECOA, and Fair Housing rules);
• Use the Service to impersonate another person, or to create content that is defamatory, deceptive, or misleading;
• Use the Service to generate content depicting real individuals without their consent;
• Bypass rate limits, usage limits, or technical protection measures;
• Access the Service by automated means except through documented APIs provided by WOWMi.

4.3 Compliance responsibility

WOWMi provides tools to help Customer configure and enforce its own compliance rules. Customer remains solely responsible for the accuracy, legality, and regulatory compliance of all content created, published, or distributed using the Service, including compliance with all applicable mortgage-marketing, advertising, and consumer-protection laws. WOWMi does not provide legal, compliance, or regulatory advice. See our Compliance overviewfor an explanation of how the Service's compliance tooling works.

5. Customer Content and ownership

5.1 Customer Content

“Customer Content” means all scripts, prompts, briefs, brand assets, logos, headshots, reference materials, audio, images, video, and other materials that Customer or Users upload, input, or generate through the Service, including AI-generated outputs.

5.2 Ownership

5.3 License to WOWMi

Customer grants WOWMi a limited, non-exclusive, worldwide, royalty-free license to host, store, process, transmit, and display Customer Content solely as necessary to provide and operate the Service for Customer. This license ends when Customer Content is deleted, except to the extent retention is required for backups, security, or legal compliance.

5.4 No training

5.5 AI-generated output disclaimer

AI-generated output may contain errors, inaccuracies, or content that is unsuitable for Customer's intended use. Customer is responsible for reviewing all output before publication or distribution, and for determining its suitability — including its compliance with applicable mortgage-marketing rules. Due to the nature of generative AI, identical or similar prompts may produce similar outputs for different customers. WOWMi makes no warranty that any specific output is original, unique, or non-infringing.

6. Third-party services and integrations

The Service may integrate with third-party services (such as CRM platforms, loan-origination systems, or social-publishing tools) at Customer's direction. Customer is responsible for its use of third-party services and for complying with their terms. WOWMi is not responsible for the acts, omissions, availability, or content of any third-party service.

7. Intellectual property

7.1 WOWMi IP

WOWMi owns all right, title, and interest in the Service, including all software, designs, models, interfaces, documentation, trademarks, and related intellectual property. Nothing in these Terms transfers any WOWMi IP to Customer, except for the limited license in Section 4.1.

7.2 Feedback

If Customer or a User provides feedback, suggestions, or ideas about the Service, WOWMi may use them without restriction or compensation. Feedback is provided voluntarily and is not confidential.

8. Confidentiality

“Confidential Information” means non-public information disclosed by one party to the other that is marked as confidential or that a reasonable person would understand to be confidential. Each party will protect the other's Confidential Information with at least the same degree of care it uses to protect its own, and will not disclose it except to personnel who need to know and who are bound by confidentiality obligations. Confidentiality obligations survive termination for three years. Customer Content is Customer's Confidential Information.

9. Privacy

Our collection and use of personal information is described in our Privacy Policy. By using the Service, you agree to the practices described in the Privacy Policy.

10. Suspension and termination

10.1 Termination by Customer

Customer may cancel its subscription at any time through the Service's account settings. Cancellation takes effect at the end of the current billing period.

10.2 Termination by WOWMi

WOWMi may suspend or terminate access to the Service, with or without notice, if:

• Customer fails to pay fees when due;
• Customer materially breaches these Terms;
• WOWMi reasonably believes continued access creates legal, security, or reputational risk;
• Required by law or legal process.

10.3 Effect of termination

Upon termination, Customer's right to access the Service ends. WOWMi will make Customer Content available for export for a reasonable period (typically 30 days) after termination, after which Customer Content may be deleted. Sections that by their nature should survive (including Sections 5, 7, 8, 11, 12, 13, and 14) will survive termination.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WOWMI DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WOWMI DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT AI-GENERATED OUTPUT WILL BE ACCURATE, ORIGINAL, COMPLIANT WITH APPLICABLE LAW, OR SUITABLE FOR ANY PARTICULAR USE. CUSTOMER USES THE SERVICE AT ITS OWN RISK.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(a) Exclusion of indirect damages. NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) Cap on direct damages.EACH PARTY'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE TOTAL FEES PAID BY CUSTOMER TO WOWMI IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY.

(c) Exceptions.The limitations in this Section 12 do not apply to: (i) Customer's payment obligations; (ii) either party's indemnification obligations under Section 13; (iii) a party's breach of Section 8 (Confidentiality); or (iv) liability that cannot be limited under applicable law.

13. Indemnification

13.1 By Customer

Customer will defend, indemnify, and hold harmless WOWMi and its officers, directors, employees, and agents from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) Customer Content, including claims that Customer Content infringes any third party's rights or violates applicable law; (b) Customer's or a User's use of the Service in violation of these Terms or applicable law; or (c) Customer's publication or distribution of AI-generated output from the Service.

13.2 By WOWMi

WOWMi will defend Customer from any third-party claim alleging that the Service, as provided by WOWMi and used in accordance with these Terms, infringes a U.S. patent, copyright, or trademark, and will pay damages finally awarded (or agreed in settlement) for such claim. This obligation does not apply to claims arising from: (a) Customer Content; (b) Customer's modification of the Service; (c) combination of the Service with third-party products; or (d) Customer's use of the Service in violation of these Terms.

13.3 Process

The indemnifying party's obligations are conditioned on the indemnified party: (a) promptly notifying the indemnifying party of the claim; (b) giving the indemnifying party sole control over defense and settlement; and (c) providing reasonable cooperation.

14. Dispute resolution; arbitration

14.1 Informal resolution

Before filing any claim, the parties will attempt to resolve the dispute informally by contacting the other party at support@wowmi.com(for WOWMi) or Customer's primary account contact (for Customer). If the dispute is not resolved within 30 days, either party may proceed to arbitration.

14.2 Binding arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by binding arbitration, rather than in court, except that either party may bring an individual action in small claims court. The arbitration will be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration will be conducted in Los Angeles, California, or, at the claimant's election, by written submissions or video conference. Judgment on the award may be entered in any court of competent jurisdiction.

14.3 Class action waiver

CUSTOMER AND WOWMI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims of more than one party or preside over any form of representative or class proceeding.

14.4 Exceptions

Notwithstanding Section 14.2, either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property rights or Confidential Information.

14.5 Opt-out

Customer may opt out of this arbitration provision by sending written notice to support@wowmi.comwithin 30 days of first accepting these Terms. The notice must include Customer's name, account email, and a clear statement that Customer opts out of arbitration.

15. Governing law

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. Subject to Section 14, the state and federal courts located in Los Angeles County, California have exclusive jurisdiction over any matter not subject to arbitration.

16. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify Customer by email or through the Service, and update the “Last updated” date above. Changes take effect 30 days after notice, except changes required by law, which take effect immediately. Continued use of the Service after changes take effect constitutes acceptance. If Customer does not agree to a change, Customer's sole remedy is to cancel the subscription before the change takes effect.

17. General

Entire agreement. These Terms, together with the Privacy Policy and any order forms or addenda, constitute the entire agreement between the parties regarding the Service and supersede all prior agreements on that subject.

Assignment.Customer may not assign these Terms without WOWMi's prior written consent. WOWMi may assign these Terms in connection with a merger, acquisition, or sale of assets.

Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect.

No waiver. A failure to enforce any provision is not a waiver of the right to enforce it later.

Force majeure. Neither party is liable for delays or failures caused by circumstances beyond its reasonable control.

Notices. Notices to WOWMi must be sent to support@wowmi.com. Notices to Customer may be sent to the email address on the account.

Independent contractors. The parties are independent contractors. These Terms do not create a partnership, joint venture, agency, or employment relationship.

18. Contact

WOWMi LLC
31248 Oak Crest Drive, Suite 210
Westlake Village, CA 91361
Email: support@wowmi.com