Terms of Service
Effective August 20, 2026. Last updated September 26, 2026.
The September 26, 2026 update expands sections 1, 3, 6, 9 and 13 (email and call-transcript handling, AI disclosure, record-keeping, and full service-provider and Gramm-Leach-Bliley terms). For subscribers who joined before that date it takes effect on October 26, 2026; new subscribers accept it on signing up.
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 The Juice (“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 Juice.
1. What The Juice is
Sunbloom Capital licenses a software product marketed as “The Juice” that connects to a subscriber's existing customer relationship management system and, under rules the subscriber configures, drafts and sends replies and follow-ups to that subscriber's own contacts by text message and, where the subscriber's CRM provides it, by email; escalates conversations to a human; writes notes, tasks and field updates back to the CRM; and produces internal working notes and summaries. It may read call notes and call transcripts the CRM already holds so that what it writes is consistent with what the subscriber has already said.
The Juice 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 Juice sends and is responsible for it.
2. Eligibility
The Juice 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 license 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 license 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 Juice 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 Juice from acting for you.
Your portal sign-in is protected by your password (twelve characters or more, stored only as a salted one-way hash) and a session that expires after twelve hours. Keep it to yourself and tell us at once if you believe it has been compromised. We will email the address on your account about your subscription, security and service — password resets, billing notices, and alerts when The Juice itself is failing.
4. Fees, billing and renewal
| Item | Terms |
|---|---|
| Plans | Starter $599/month, Growth $799/month, Scale $999/month, per officer, in US dollars. |
| Setup fee | A one-time $500 setup fee is charged on your first invoice, alongside your first month. It covers onboarding — walking your book, building your assistant's voice from your own past messages, and taking it live. It is charged once, never repeats, and is not refundable. It is shown to you before you enter a card. |
| 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 canceled. 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. Subscriptions are refunded for our billing errors and for months we failed to deliver; the setup fee is not refundable. |
5. Plan limits
Each plan carries a monthly allowance of assistant activity. When an account approaches its allowance The Juice 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 Juice 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, messaging and email law. You are responsible for complying with the Telephone Consumer Protection Act, state telemarketing and messaging laws (including the state laws that now reach text messages, such as Texas's and Florida's), national and internal do-not-call rules, carrier messaging policies, and the carrier registration of your messaging numbers (10DLC). For any email The Juice sends through your CRM you are responsible for the CAN-SPAM Act and for the sender identification and unsubscribe mechanism your CRM's email service attaches.
- Licensing. You will only permit contact in states where you are licensed, and you will keep your state list current in The Juice.
- Advertising and disclosure. You are responsible for the accuracy and required disclosures of anything The Juice sends on your behalf, including your NMLS identification where required.
- Supervision. You will review The Juice’s escalations and outbound activity. It is an assistant, not a substitute for a licensed person.
- AI disclosure. Some states require that a person be told, in certain circumstances, that they are communicating with an automated system (California's bot-disclosure law is one example). The Juice offers a disclosure line you can switch on in your settings; it is off unless you turn it on. Whether, where and when a disclosure is required for the people you contact is your determination, made with your compliance counsel, and you will configure The Juice accordingly.
- Recorded calls. If your CRM records or transcribes calls, any notice or consent the law requires for the recording is yours to obtain. The Juice only reads what the CRM already holds.
- Records. The Juice keeps decision records for three years and activity logs for eighteen months (see the Privacy Policy). If your regulator, your lender or your own policies require you to keep copies of consumer communications for longer or in a particular form, that is your responsibility; the conversations themselves live in your CRM.
- Broadcast approvals. Machine-drafted broadcast campaigns are sent only after you approve them. Each approval you give — at onboarding, in your portal, or on an individual broadcast — is your own direction to send under your name and license. Approvals are recorded with your account, the time, and the version of the consent text you accepted, and each one confirms that the approved messages, and any liability or exposure they create, are yours as the licensed professional directing them and not Sunbloom Capital's.
- Opt-outs. The Juice honors opt-outs automatically, but if you learn of one through any other channel, record it.
- Accuracy. You will not use The Juice — including any broadcast text you write yourself — to state or imply loan approval, quote rates, payments or terms, or make any representation you could not lawfully make yourself.
7. Acceptable use
You will not use The Juice 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 Juice;
- resell, sublicense, or provide access to The Juice to anyone outside your seat;
- reverse engineer, scrape, or attempt to extract The Juice’s models, prompts or source;
- upload malware, or interfere with The Juice’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 organization. We do not originate, underwrite, price, approve, fund or service loans.
- We do not provide legal, compliance, tax or financial advice. Nothing in The Juice or its documentation is such advice.
- We do not make credit decisions, and The Juice 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 Juice depends on services we do not control — your CRM and the messaging and email services attached to it, our hosting provider, the AI model provider, our transactional email 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 Juice 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 Juice’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 Juice, including its software, prompts, models, interfaces and documentation, is and remains ours. These Terms grant you a limited, non-exclusive, non-transferable, revocable license 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 license needed to operate The Juice 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 and data-processing terms
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 (and the lender you originate for) are the business or controller of borrower personal information, and we are your service provider or processor. You are responsible for giving borrowers any privacy notice the law requires and for having the right to make their information available to us. In processing borrower personal information for you, we will:
- process it only to provide The Juice to you and for the purposes stated in the Privacy Policy, on your documented instructions, and not for our own purposes;
- not sell it, share it for cross-context behavioral advertising, or combine it with personal information we receive from anyone else, except as the California Consumer Privacy Act permits a service provider to do;
- comply with the obligations the California Consumer Privacy Act places on service providers, provide the level of privacy protection it requires, and notify you if we determine we can no longer meet them;
- bind any subcontractor that processes it to written terms at least as protective as these, and keep the list of them current in the Privacy Policy;
- allow you to take reasonable and appropriate steps to confirm that we use it as permitted — including by answering your written questions about our practices — and to stop and remediate any unauthorized use;
- assist you in responding to borrowers who exercise their privacy rights, and delete or return it when your account closes on the schedule in the Privacy Policy, except where the law requires us to keep it (opt-out records are kept so that a person who asked not to be contacted is not contacted again);
- to the extent it is nonpublic personal information under the Gramm-Leach-Bliley Act, use and disclose it only as that Act and its regulations permit a service provider performing services for a financial institution, and protect it with the administrative, technical and physical safeguards described in the Privacy Policy;
- notify you without unreasonable delay if we discover unauthorized access to borrower personal information under our control.
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 license ends, The Juice stops acting on your CRM, and we delete or return your data on the schedule in the Privacy Policy. Sections 8, 11, 12, 13 and 15 through 19 survive.
15. Disclaimers
EXCEPT AS EXPRESSLY STATED, THE JUICE 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 JUICE 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 Juice 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; the broadcasts and campaigns you approve; 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. Your recorded consents and broadcast approvals — collected at onboarding, in your portal, and on each broadcast you approve — are part of your account records and evidence your direction to send. We will defend and indemnify you against third-party claims that The Juice 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 Juice 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