Terms of Service
Effective August 20, 2026. Last updated August 20, 2026.
These Terms of Service (the “Terms”) are an agreement between Sunbloom Capital LLC, a privately held California limited liability company (“Sunbloom Capital”, “we”, “us”), and the individual or entity that subscribes to our platform (“you”, “the officer”, “subscriber”).
By creating an account, connecting a CRM, or paying a subscription fee, you agree to these Terms. If you do not agree, do not use the platform.
1. What the platform is
Sunbloom Capital licenses a software platform (the “Platform”) that connects to a subscriber's existing customer relationship management system and, under rules the subscriber configures, drafts and sends text-message replies and follow-ups to that subscriber's own contacts, escalates conversations to a human, and produces internal working notes and summaries.
The Platform is a tool. It acts on the subscriber's behalf, from the subscriber's own messaging number, using the subscriber's own contact data. The subscriber remains the sender of every message the Platform sends and is responsible for it.
2. Eligibility
The Platform is licensed to individual mortgage loan officers and to the teams they work in. To subscribe you must:
- be at least 18 years old and able to enter a binding contract;
- be a licensed mortgage loan originator, or work under the direct supervision of one, and hold every licence and registration required in each state where you contact consumers;
- have authority to connect the CRM account you connect, and to send messages to the contacts in it.
3. Accounts, seats and credentials
A subscription is a licence for one named officer. Seats are not shared, pooled or transferred between people. You are responsible for everything done under your account.
During setup you supply an API credential for your CRM. You warrant that you are entitled to supply it. We use it only to operate the Platform for you, we store it encrypted, and we destroy it when your account closes. You can revoke it at any time from your CRM, which immediately stops the Platform from acting for you.
4. Fees, billing and renewal
| Item | Terms |
|---|---|
| Plans | Starter $299/month, Growth $499/month, Scale $799/month, per officer, in US dollars. |
| Billing cycle | Monthly, charged in advance on the day you subscribe and on the same day each month thereafter. |
| Auto-renewal | Subscriptions renew automatically each month until cancelled. Cancel at any time from your billing portal. |
| Payment | By card, processed by Stripe. We do not receive or store your card number. |
| Failed payments | Stripe retries a failed charge. If it is still unpaid after the retry period, we may suspend the account until it is settled. |
| Taxes | Prices exclude any sales, use or similar taxes, which are added where required. |
| Price changes | We may change prices with at least 30 days' notice by email. A change takes effect at your next renewal; if you do not accept it, cancel before then. |
| Refunds | Governed by our Refund & Cancellation Policy, which forms part of these Terms. |
5. Plan limits
Each plan carries a monthly allowance of assistant activity. When an account approaches its allowance the Platform reduces optional work first — broadcasts and scheduled check-backs — before it reduces replies to inbound messages, so a borrower who writes in still gets an answer. Allowances are per calendar month and do not roll over. You can change plans at any time from the billing portal; Stripe prorates the difference.
6. Your responsibilities
This section is the important one. The Platform enforces a set of rules, but the legal obligations sit with you.
- Consent. You will only load contacts you are permitted to text, and you will maintain the records that prove it. Do not connect purchased lists you have no consent for.
- Telephone and messaging law. You are responsible for complying with the Telephone Consumer Protection Act, state telemarketing and messaging laws, national and internal do-not-call rules, and carrier messaging policies.
- Licensing. You will only permit contact in states where you are licensed, and you will keep your state list current in the Platform.
- Advertising and disclosure. You are responsible for the accuracy and required disclosures of anything the Platform sends on your behalf, including your NMLS identification where required.
- Supervision. You will review the Platform's escalations and outbound activity. It is an assistant, not a substitute for a licensed person.
- Opt-outs. The Platform honours opt-outs automatically, but if you learn of one through any other channel, record it.
- Accuracy. You will not use the Platform to state or imply loan approval, quote rates or terms, or make any representation you could not lawfully make yourself.
7. Acceptable use
You will not use the Platform to:
- send messages to anyone who has opted out, or to a number on a do-not-call list you are bound by;
- send deceptive, harassing, threatening, discriminatory or unlawful content;
- impersonate another person or company, or misstate who is contacting the recipient;
- collect Social Security numbers, government identification numbers or full financial account numbers by text message;
- circumvent quiet hours, send caps, state restrictions or any other guard in the Platform;
- resell, sublicense, or provide access to the Platform to anyone outside your seat;
- reverse engineer, scrape, or attempt to extract the Platform's models, prompts or source;
- upload malware, or interfere with the Platform's operation or security.
We may suspend an account immediately, without notice, where we reasonably believe this section has been breached or where continued operation risks harm to consumers, to carriers, or to us.
8. What we do not do
Sunbloom Capital is a software company.
- We are not a lender, mortgage broker, mortgage banker, loan originator or credit services organisation. We do not originate, underwrite, price, approve, fund or service loans.
- We do not provide legal, compliance, tax or financial advice. Nothing in the Platform or its documentation is such advice.
- We do not make credit decisions, and the Platform is not a credit-scoring or automated-decisioning system for credit eligibility.
- We are not a party to any relationship between you and a borrower.
9. Third-party services
The Platform depends on services we do not control — your CRM and its messaging carrier, our hosting provider, the AI model provider, and our payment processor. Their availability, changes, pricing and policies are outside our control, and their terms may also apply to you. We are not liable for a third party's failure, but we will tell you promptly if one materially affects your service.
10. Availability and support
We aim to keep the Platform available continuously but do not guarantee uninterrupted service. We may perform maintenance, and we may change or discontinue features. If we make a change that materially reduces the Platform's core function, you may cancel and receive a prorated refund of the unused part of your current month.
Support is by email at support@sunbloomcapital.com, answered within one business day, Monday–Friday, 9am–4pm Pacific.
11. Intellectual property
The Platform, including its software, prompts, models, interfaces and documentation, is and remains ours. These Terms grant you a limited, non-exclusive, non-transferable, revocable licence to use it for your own lending business during your subscription, and nothing more.
Your data stays yours. Your contacts, conversations and CRM content remain yours. You grant us only the licence needed to operate the Platform for you, and to keep aggregated, de-identified statistics that cannot identify you or any borrower.
12. Confidentiality
Each party will protect the other's non-public information with at least reasonable care and use it only to perform under these Terms. This does not apply to information that is public, independently developed, or required to be disclosed by law — in which case we will give you notice where we lawfully can.
13. Privacy
Our handling of personal information, including borrower information you make available to us, is described in our Privacy Policy, which forms part of these Terms. As between you and us, you are the controller of borrower personal information and we process it on your instructions as your service provider.
14. Suspension and termination
You may cancel at any time from your billing portal; see the Refund & Cancellation Policy for what happens to access and fees.
We may suspend or terminate an account for non-payment, for breach of these Terms, or where required by law or by a service provider we depend on. Where the reason is curable and no consumer is at risk, we will give you notice and a reasonable chance to fix it first.
On termination, your licence ends, the Platform stops acting on your CRM, and we delete or return your data on the schedule in the Privacy Policy. Sections 8, 11, 12, and 15 through 19 survive.
15. Disclaimers
EXCEPT AS EXPRESSLY STATED, THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE ERROR-FREE OR UNINTERRUPTED, THAT ITS OUTPUT WILL ALWAYS BE ACCURATE, OR THAT ITS USE WILL RESULT IN ANY PARTICULAR BUSINESS OUTCOME.
The Platform generates text using an AI model. AI output can be wrong. You are responsible for reviewing what is sent on your behalf and for the consequences of it.
16. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OR LOST DATA, EVEN IF ADVISED OF THE POSSIBILITY.
OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS WILL NOT EXCEED THE FEES YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
These limits do not apply to your payment obligations, to either party's breach of confidentiality, or to liability that cannot be limited by law.
17. Indemnification
You will defend and indemnify us against third-party claims, and resulting losses, arising from: the messages sent from your account; your lack of consent to contact a recipient; your breach of telephone, messaging, advertising, lending or licensing law; your breach of these Terms; or your CRM data. We will defend and indemnify you against third-party claims that the Platform itself, used as permitted, infringes a US intellectual property right.
18. Changes to these Terms
We may update these Terms. If a change is material we will email the address on your account at least 30 days before it takes effect, and it will apply from your next renewal. Continuing to use the Platform after that date means you accept the change. The current version always lives at this URL, with the effective date at the top.
19. Governing law and disputes
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any dispute will be brought exclusively in the state or federal courts located in Orange County, California, and both parties consent to that jurisdiction.
Before filing anything, contact us at support@sunbloomcapital.com. Most disagreements are cheaper to fix than to litigate, and we would rather fix them.
20. General
These Terms, together with the Privacy Policy and the Refund & Cancellation Policy, are the entire agreement between us on this subject. If a provision is unenforceable, the rest stands. A failure to enforce a right is not a waiver of it. You may not assign these Terms without our written consent; we may assign them to a successor in a merger or sale of the business. Nothing here creates a partnership, employment or agency relationship between us.
21. Contact
Sunbloom Capital LLC
23841 Pebble Beach Place
Laguna Niguel, CA 92677
Email: support@sunbloomcapital.com
Phone: (949) 463-2009