Terms of Service

1. Guideline Guru: Refers to Guideline Guru LLC. May also be referred to as “we”, “our”, “us”, or “Company”.

2. Site: The Guideline Guru website accessible at guidelineguru.ai.

3. Services: The Guideline Guru software application located at app.guidelineguru.ai, including the AI Assistant, and any related software, documentation, and tools provided by Guideline Guru.

4. User: Any individual that accesses or uses the Site and/or the Services provided by Guideline Guru. May also be referred to as “you” or “your” in these Terms or our Privacy Policy.

5. Data Source: A specific loan program or subject area that the AI Assistant is configured to respond to User queries about, and the related documentation and content describing that specific loan program or subject area.

6. Third-Party PII: The personally identifying information of third-parties. This includes data that can, either alone or in combination, identify a third-party individual, such as names, email addresses, phone numbers, government IDs, employer details, and financial identification numbers.

1. Site Us. Guideline Guru grants you a limited, revocable, nonexclusive license to use our Site solely for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. This Site is intended for adults only and not for any person under the age of 18.

2. Use of Information. Guideline Guru reserves the right, and you authorize us, to use and assign all information regarding your Site uses and all information you provide in any manner consistent with our Privacy Policy.

3. Modification of Site. We may modify or discontinue the Site at any time without notice or liability.

4. Site Use Termination. The use of this Site is at the discretion of Guideline Guru and we may terminate your use of the Site at any time.

1. Your Responsibilities. You are responsible for the security of your account, including keeping your password and other login information secure, and for the security of the equipment and ancillary services you use to access the Services. You accept responsibility for all uses of your account with or without your knowledge or consent. We are responsible for maintaining the overall security of the Services, including protecting against external threats, implementing security protocols, and ensuring the integrity of the Services. You agree to collaborate with us in implementing measures to ensure the secure use of the Services, including following recommended security best practices and promptly reporting any security concerns to us.

2. Our Ownership Rights. We shall own and retain all right, title, and interest in and to (a) the Services and Software, all improvements, enhancements or modifications thereto, (b) any software, applications, inventions or other technology developed in connection with support services, and (c) all intellectual property rights related to any of the foregoing.

3. Data Sources Authorization. We do not provide or publish any guideline Data Sources. Our Services include an AI Assistant to help you answer questions on guideline Data Sources that you have permission to access and use. You represent and warrant that you are authorized to use the Data Sources available within the Services, including the relevant selling guides, handbooks, circulars, websites and other materials related to those Data Sources. Guideline Guru shall not be liable for any claims arising from your unauthorized use of Data Sources.

4. Use of Third-Party PII. Due to the nature of your business, you may have access to Third-Party PII. However, you shall not enter any Third-Party PII into the Services, including into the AI Assistant. We strive to block the entry of Third-Party PII, but complete prevention is not assured. Guideline Guru shall not be liable for claims arising from the use of the Services in connection with Third-Party PII.

5. Users Entry of Third-Party PII. Users shall not enter Third-Party PII into the Services, including the AI Assistant. Guideline Guru shall not be liable for claims arising from the use of the Services in connection with Third-Party PII. While the Services strive to block Third-Party PII from being processed by the AI Assistant, complete prevention is not assured.

6. ‍Limited License. We grant you a personal, non-exclusive, limited, revocable, non-transferable, non-sublicensable, license to use and access our Site and Services for their intended purpose.

7. User Warranties. You represent, covenant, and warrant that you will use the Site and Services only in compliance with these Terms and all applicable laws and regulations. You further agree that information provided by you is truthful and accurate to the best of your knowledge. You hereby agree to indemnify and hold us harmless against any damages, losses, liabilities, settlements, and expenses (including without limitation costs and attorneys’ fees) in connection with any claim or action that arises from an alleged violation of the foregoing. Although we have no obligation to monitor your use of the Site and Services, we may do so and may prohibit any use of the Site and Service if we believe your use may be (or is alleged to be) in violation of the foregoing.

8. Prohibited Uses. You agree not, directly or indirectly, to do the following as it pertains to the usage of the Site and/or Services:

1. 1. Attempt to reverse engineer, decompile, disassemble, or otherwise discern the source code, object code, or underlying structure, ideas, know-how, or algorithms relevant to the Services or any related software, documentation, or data related to the Services (“Software”).
      

   2. Modify, translate, or create derivative works based on the Services or any Software, except as expressly permitted by us or authorized within the Services.
      

   3. Use the Services or any Software for Timesharing or Service Bureau Use. Timesharing is the practice of using any single user account to provide access to the Services or Software to multiple users. Service Bureau Use occurs when you allow third parties to access the Services or Software.
      

   4. Utilize the Services or Site in a manner that knowingly violates any third-party copyrights, such as using the Services to access Data Sources you do not have permission to use.
      

   5. Remove any proprietary notices or labels from the Services.
      

   6. Copy or download materials on the Site, reverse engineer or break into the site, or use the Site in violation of any local, state, national, or foreign laws, treaties, regulations, or other local requirements that apply to you or your use of the Site, including those relating to data security and data privacy.
      

   7. Provide any information that is unlawful, harmful, deceptive, tortious, defamatory, libelous, invasive of another’s privacy, or that violates another’s intellectual property rights.
      

   8. Falsely state or otherwise misrepresent your affiliation with a person or entity, or impersonate any person or entity.
      

   9. Scrape, access, monitor, index, frame, link, or copy any content or information on the Site or Services by accessing the Site or Services in an automated way, using any robot, spider, scraper, web crawler, or any other method of access other than manually accessing the publicly available portions of the Site or Services through a browser or accessing the Site or Services through any approved API.
      

   10. Upload or otherwise make available any material that contains any software, device, instructions, computer code, files, programs and/or other content or feature that is designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment (including without limitation any time bomb, virus, software lock, worm, self-destruction, drop-device, malicious logic, Trojan horse, trap door, “disabling,” “lock out,” or “metering” device, or any malicious code).
       

   11. Attempt to disable, overburden, or impair the proper working of the Site or Services (including the use of any Maillist, Listserv, or any form of auto-responder or “spam”).
       

9. Services Use Termination. Guideline Guru has the discretion to terminate the use of its Services at any time if it believes that there is any misuse or violation of the aforementioned conditions.

1. Site Ownership. All content included on the Site is and shall continue to be the property of Guideline Guru or its content suppliers and is protected under applicable copyright, patent, trademark, and other proprietary rights. Any copying, redistribution, use or publication by you of any such content or any part of the Site is prohibited, except as expressly permitted in these Terms. Under no circumstances will you acquire any ownership rights or other interest in any content by or through your use of this Site.

2. Services Ownership. Company shall own and retain all right, title and interest in and to (a) the Services, all improvements, enhancements or modifications thereto, (b) any software, applications, inventions or other technology developed in connection with implementation or support efforts, and (c) all intellectual property rights related to any of the foregoing.

1. Indemnification of Guideline Guru by User. YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD GUIDELINE GURU AND OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, MEMBERS, AND REPRESENTATIVES (AND ALL SUCCESSORS AND ASSIGNS OF ANY OF THE FOREGOING) HARMLESS FROM AND AGAINST ANY CLAIM OR DEMAND, INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS’ FEES AND DISBURSEMENTS, MADE IN CONNECTION WITH OR ARISING OUT OF YOUR VIOLATION OF THESE TERMS OR OUR PRIVACY POLICY, AND/OR YOUR USE OF THE SERVICES, AND/OR YOUR SUBMISSION, POSTING, OR TRANSMISSION OF CONTENT TO THE SITE. WE RESERVE THE RIGHT, AT OUR OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF SUCH DISPUTES, AND IN ANY EVENT YOU WILL COOPERATE WITH US IN ASSERTING ANY AVAILABLE DEFENSES.

1. Services and Site Warranties and Disclaimer. We shall use reasonable efforts consistent with prevailing industry standards to maintain the Services and Site in a manner which minimizes errors and interruptions in the Services and Site. Services and Site may be temporarily unavailable for scheduled maintenance or for unscheduled emergency maintenance, either by us or by third-party providers, or because of other causes beyond our reasonable control, but we shall use reasonable efforts to provide advance notice in writing or by email of any scheduled disruption. HOWEVER, WE DO NOT WARRANT THAT THE SERVICES OR SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR SITE. EXCEPT AS EXPRESSLY SET FORTH IN THIS SECTION, THE SERVICES AND INFORMATION ON THE SITE ARE PROVIDED “AS IS” AND WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO ANY EXPRESS WARRANTIES, STATUTORY WARRANTIES, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM GUIDELINE GURU OR THROUGH OR FROM THE SITE SHALL CREATE ANY WARRANTY.

1. Limitation of Liability for Site. UNDER NO CIRCUMSTANCES WILL GUIDELINE GURU BE LIABLE OR RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING DAMAGES FROM LOSS OF BUSINESS, LOST PROFITS, LITIGATION, OR THE LIKE), SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN ANY WAY RELATING TO THE SITE, YOUR USE OF THE SITE, THE SERVICES OR THE CONTENT, INCLUDING (A) FOR ERROR OR INTERRUPTION OF USE OR FOR LOSS OR INACCURACY OR CORRUPTION OF DATA OR COST OF PROCUREMENT OF SUBSTITUTE GOODS, SERVICES OR TECHNOLOGY OR LOSS OF BUSINESS; (B) FOR ANY INDIRECT, EXEMPLARY, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES; (C) FOR ANY MATTER BEYOND OUR REASONABLE CONTROL; OR (D) FOR ANY INACCURATE INFORMATION PROVIDED BY THE SERVICES.

THIS LIMITATION OF LIABILITY SHALL APPLY EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT IS TO CEASE ALL OF YOUR SITE USE. NOTWITHSTANDING THE FOREGOING, OUR AGGREGATE LIABILITY SHALL NOT EXCEED THE FEES PAID BY USER TO US FOR THE SERVICES UNDER THESE TERMS IN THE 12 MONTHS PRIOR TO THE ACT THAT GAVE RISE TO THE LIABILITY. You may have additional rights under certain laws (including consumer laws) which do not allow the exclusion of implied warranties, or the exclusion or limitation of certain damages. If these laws apply to you, the exclusions or limitations in these Terms that directly conflict with such laws may not apply to you.

1. Applicable Law. You agree that the laws of the state of New York, without regard to conflicts of laws provisions will govern these Terms and Condition of Use and any dispute that may arise between you and Guideline Guru or its affiliates.

2. Dispute resolution. Initial Dispute Resolution. A Dispute may arise between you and Guideline Guru. In these instances, you agree that before taking formal legal action, you will contact Guideline Guru at legal@guidelineguru.ai and provide a brief written description of the dispute and your contact information. Except for intellectual property, the parties agree to use their best efforts and act in good faith to settle any dispute, claim, question, or disagreement. Good faith negotiations shall be a condition to either party initiating arbitration.

Should either party be represented by counsel, the party’s counsel may participate in the discussions and negotiations. If a resolution is not reached within thirty (60) days of the initial written description of the dispute, the parties agree to further dispute resolution, as described below.

3. Binding Arbitration. Any and all disputes arising out of or relating to the use of the Site will be submitted to AAA binding arbitration. Arbitration shall be conducted in New York, New York or at any other location as required by law, before a sole arbitrator, in accordance with the laws of the State of New York. Judgment on the Award may be entered into in any court having jurisdiction.

4. Severability. If any provision of these Terms shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

5. Assignability. These Terms are not assignable, transferable or sublicensable by you except with our prior written consent. We may transfer and assign any of its rights and obligations under these Terms without consent.

6. Waiver. The failure of Guideline Guru to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. Any waiver of these Terms by Guideline Guru must be in writing and signed by an authorized representative of Guideline Guru.

7. Termination. Guideline Guru may terminate these Terms at any time, with or without notice, for any reason.

8. Relationship of the Parties. Nothing contained in these Terms shall be construed to constitute either party as a partner, joint venturer, employee or agent of the other party, nor shall either party hold itself out as such. Neither party has any right or authority to incur, assume or create, in writing or otherwise, any warranty, liability or other obligation of any kind, express or implied, in the name of or on behalf of the other party, it being intended by both parties that each shall remain independent contractors responsible for its own actions.

9. Entire Agreement. These Terms constitute the entire agreement between you and Guideline Guru and governs the terms and conditions of your use of the Site, and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Guideline Guru with respect to the Site. Notwithstanding the foregoing, you may also be subject to additional terms and conditions, posted policies (including but not limited to the Privacy Policy), guidelines, or rules that may apply when you use the Site. Guideline Guru may revise this Terms of Use at any time by updating these Terms and posting it on the Site. Accordingly, you should visit the Site and review the Terms of Use periodically to determine if any changes have been made. Your continued use of the Site after any changes have been made to the Terms of Use signifies and confirms your acceptance of any such changes or amendments to the Terms of Use.

10. Conflict. If your company or employer has a separate agreement (“External Agreement”) with us, and that agreement conflicts with the Terms, the External Agreement shall control your use of the Services. Notwithstanding the foregoing, these Terms still apply to your usage of the Site.

11. Notices. We may deliver notice to you by posting a notice on the Website or any other method we choose, and such notice will be effective on dispatch. If you give notice to us, it will be effective when received, and you must use the following email address: legal@guidelineguru.ai.