Terms of Service

Effective date: July 24, 2026 · The agreement between you and Bullhorn LLC

The full terms below say the same things with the precision a contract needs.

1. The agreement

These Terms are a contract between you and Bullhorn LLC ("RefiAgent," "we," "us") covering your use of getrefiagent.com and the RefiAgent application (the "Service"). By creating an account or using the Service, you agree to them. If you're using RefiAgent for a company, you're agreeing on its behalf and confirming you're allowed to.

2. Who can use RefiAgent

You must be at least 18, using the Service for business purposes, and a licensed mortgage professional (or working under one) in good standing. You're responsible for your account credentials and for everything done under your account.

3. Your data, and the license you give us

You own the data you import: your client list and everything in it. You grant us a limited, nonexclusive license to host and process that data solely to provide the Service to you: running scans, generating drafts, and operating your account. That license ends when the data is deleted. We don't sell it, share it for marketing, contact the people in it, or use it to train shared AI models. The details live in our Privacy Policy, which is part of these Terms.

You promise you have the legal right to upload the data you import and to use it the way the Service is designed for.

4. Your outreach is yours

RefiAgent drafts messages; it never sends them. You review, edit, and send every message from your own email or phone, which means you're responsible for your outreach, including compliance with the TCPA, CAN-SPAM, state telemarketing and advertising rules, Do Not Call obligations, your license requirements, and your company's policies. If you're not sure you can lawfully contact someone, don't, and ask your compliance officer, not us.

5. What the Service is, and isn't

• Estimates, not facts. Rate gaps, equity positions, and eligibility windows are estimates built from your imported data and public sources (the latest published rate averages and FHFA home price data). They can be wrong, stale, or incomplete. Verify before you rely on them.
• Not a consumer reporting agency. RefiAgent is not a "consumer reporting agency" and its output is not a "consumer report" under the FCRA. Don't use it to determine credit eligibility, employment, insurance, or any FCRA covered purpose.
• Not advice. Nothing in the Service is legal, compliance, financial, or tax advice. Drafts are suggestions that require your professional judgment.
• No promised results. We don't guarantee refinance opportunities, client responses, closings, or commissions.

6. Acceptable use

Don't: upload data you don't have rights to; use the Service for anything unlawful; resell, scrape, or copy the Service; probe or break its security; reverse engineer it; or use it to build a competing product. We can suspend accounts that put other customers or the Service at risk.

7. Fees and billing

• Trial: 14 days free, no card required. Your free scan of your first 5 imported clients doesn't require a subscription.
• Monthly: $29/month.
• Annual: pay for 10 months, get 12 (2 months free).
• Cancel anytime, in the app. Cancellation takes effect at the end of the current billing period. We don't prorate or refund partial billing periods.
• Prices exclude any applicable taxes. We'll give at least 30 days' notice before any change that affects what you pay.

8. Our stuff

The Service, meaning its software, design, and content, excluding your data, belongs to Bullhorn LLC. These Terms don't transfer any of it to you beyond the right to use the Service while your account is in good standing.

9. Disclaimers

The Service is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and noninfringement. We don't warrant that the Service will be uninterrupted, error free, or that estimates will be accurate.

10. Limitation of liability

To the fullest extent the law allows, Bullhorn LLC won't be liable for indirect, incidental, special, consequential, or punitive damages, or lost profits, revenue, or data. Our total liability for any claim relating to the Service is capped at the amount you paid us in the 12 months before the claim.

11. Indemnification

You'll defend and indemnify Bullhorn LLC against claims arising from your outreach to clients, data you upload without the right to, or your violation of these Terms or applicable law.

12. Termination

You can close your account anytime. We can suspend or terminate accounts that violate these Terms, with notice where practical. On termination, your data is handled as described in the Privacy Policy. Download a copy before you go, or your client data will be removed on the schedule described there.

13. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law rules.

Talk to us first. Most issues get resolved in a conversation: michael@getrefiagent.com. If we can't resolve a dispute informally within 30 days, it will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, rather than in court. Either side may instead bring an individual claim in small claims court.

No class actions. Disputes are resolved individually. Both sides waive the right to participate in a class action or class arbitration. You may opt out of this arbitration section by emailing us within 30 days of creating your account.

14. Changes to these Terms

If we make a material change, we'll email account holders at least 30 days before it takes effect. Continuing to use the Service after that means you accept the updated Terms.

15. Contact

Bullhorn LLC · 101 Pacifica, Suite 220, Irvine, CA 92618 · michael@getrefiagent.com