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Terms of Service

Updated: February 2nd, 2026

Welcome and thank you for your interest in WhatsMyPayment.com.

These Terms of Service (“Terms”) govern your access to and use of our software-as-a-service platform that allows subscribers to generate, embed, and manage mortgage-related calculators, lead forms, PDFs, and related widgets, including any hosted landing pages and any lender directory/profile pages we operate (collectively, the “Service”). By creating an account, starting a trial, paying for a subscription, or using the Service, you agree to these Terms.

If you are using the Service on behalf of a company or other entity, you represent you have authority to bind that entity, and “you” refers to that entity.

1. Eligibility

You must be at least 18 years old and able to enter into a binding contract. The Service is intended for business use by mortgage professionals (and similar businesses) and not for personal, household, or consumer use.

2. The Service

The Service may include:

  • A subscriber dashboard to configure branding and settings.
  • Code snippets that render Company-hosted widgets within an i-frame on your website(s).
  • Lead capture forms and delivery tools (dashboard display, email delivery, and optional Zapier delivery).
  • PDFs and other outputs generated from widget inputs.
  • Hosted landing pages that use similar forms and tools.
  • Optional directory and profile pages that display subscriber-provided information and embedded widgets.

We may add, remove, or change features at any time. We do not promise any feature will remain available, and we do not provide any uptime or SLA commitments unless we sign one separately in writing.

3. Accounts and Access

You are responsible for all activity under your account, including actions taken by anyone with your login credentials. You must provide accurate information and keep it current.

We may suspend or terminate access if we reasonably believe your account is compromised, used unlawfully, or used in violation of these Terms.

4. Subscription, Free Trial, Billing, and Renewal

4.1 Monthly Subscription.

Subscriptions are billed monthly in advance. Each subscription term is one month (“Subscription Period”) and renews automatically unless cancelled.

4.2 Free Trial.

We may offer a free trial (currently expected to be 7 days, unless stated otherwise at signup). All features are included during the trial unless we state otherwise. A valid payment method is required to start the trial. If you do not cancel before the trial ends, your subscription will begin immediately when the trial ends and you authorize us to charge your payment method for the first Subscription Period and each renewal.

4.3 Payment Processor.

Payments are processed through Stripe. By subscribing, you agree to Stripe’s terms and authorize us and Stripe to store and charge your payment method for recurring charges, taxes, and any other amounts you owe.

4.4 Price Changes.

We may change pricing, plans, or features at any time. If we change your subscription price, we will provide notice (for example by email or within the dashboard) before the new price takes effect. Your continued use after the effective date means you accept the new pricing.

5. Cancellation and No Prorated Refunds

You can cancel at any time through the dashboard or as otherwise described in the Service. Cancellation stops future renewals, but your subscription remains active through the end of the then-current Subscription Period.

No partial or prorated refunds are provided for unused time in a Subscription Period.

6. Refunds and Billing Disputes

Except as required by law, we do not offer refunds.

Limited Technical Failure Exception. If the Service cannot function for you due to a technical limitation that prevents the core embedding and lead capture functionality from working on your Authorized Domain (for example, a hosting environment that blocks i-frames or blocks required scripts), and we cannot provide a reasonable workaround, you may request a refund of the most recent subscription fee. To be eligible, you must notify us promptly at hello@whatsmypayment.com and cooperate with reasonable troubleshooting. Approval is at our reasonable discretion and is your sole remedy for that issue.

You must report any billing dispute or suspected unauthorized charge promptly. We may suspend the account during investigation.

7. Authorized Domain, License Grant, and White Labeling

7.1 Authorized Domain.

Each subscription is limited to a single website location consisting of either (a) one root domain or (b) one subdomain under a single root domain (the “Authorized Domain”), as designated in your account. You may not use the Service on more than one root domain or more than one subdomain at a time under a single subscription. Each additional domain or subdomain requires its own subscription unless we expressly allow otherwise in writing.

7.2 License.

Subject to these Terms and your payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license during your active subscription to embed and display the widgets, forms, and outputs on the Authorized Domain solely for your internal business purposes and to interact with your end users.

7.3 White Label.

The widgets are intended to be fully white labeled with your branding. You may not remove or alter any technical identifiers, security features, or functionality that are not reasonably visible branding elements.

8. Customer Content, Leads, and Data Roles

8.1 Your Content.

You may upload certain branding assets such as a logo and provide company information (collectively, “Subscriber Content”). You retain ownership of Subscriber Content. You grant us a worldwide, non-exclusive license to host, store, reproduce, and display Subscriber Content solely to provide and improve the Service.

8.2 Leads Are Your Leads.

When an end user submits information through a form embedded on your Authorized Domain or through a landing page configured for you, that lead information is submitted for your benefit (“Lead Data”). As between you and us, Lead Data is your business data, and we process it only to provide the Service to you.

8.3 Service Provider / Processor Relationship.

You are responsible for determining the lawful basis and required disclosures/consents for collecting and using Lead Data. We act as a service provider or processor to you with respect to Lead Data, meaning we process Lead Data on your instructions to (a) store it in your dashboard, (b) deliver it to you by email if enabled, and (c) deliver it to your systems via Zapier if enabled.

8.4 We Do Not Market to Your Leads.

We do not use Lead Data to market our products to your leads, and we do not sell Lead Data.

9. Compliance Responsibilities

You are solely responsible for your business and marketing practices and your compliance with all laws and regulations that apply to you and your use of the Service, including laws related to consumer disclosures, advertising, email, texting, calling, lead capture, privacy, and data protection.

Without limiting the above, you are solely responsible for:

  • The content on your website and in your marketing.
  • Any consent language or checkboxes presented to end users.
  • Any contact you initiate with end users (including calls, texts, emails, and CRM automation).
  • Providing and maintaining your own privacy notice and terms applicable to end users on your website and making required disclosures adjacent to the embedded forms.

Nothing in these terms is intended to be legal advice, nor do we provide legal advice to You. We are not a mortgage broker, or lender. We do not verify that your forms, disclosures, or outreach are legal or compliant with applicable laws.

10. Prohibited Uses

You will not, and will not allow any third party to:

  • Use the Service for unlawful, deceptive, or abusive purposes.
  • Resell, rent, lease, sublicense, or provide the Service to third parties as a bureau service without our written approval.
  • Sell or broker Lead Data or use it for purposes unrelated to the end user’s request.
  • Send spam, run robocalls, text without required consent, or otherwise contact end users unlawfully.
  • Reverse engineer, decompile, disassemble, scrape, or attempt to derive source code or trade secrets from the Service.
  • Bypass or disable security or rate limits.
  • Perform penetration testing or vulnerability scanning without our prior written consent.
  • Upload malware or attempt to interfere with the Service.

11. Third-Party Services

The Service may integrate with third-party services (for example, Stripe for billing, Resend for email delivery, Zapier for CRM delivery, and Google Analytics for analytics). Your use of third-party services is governed by their terms and privacy policies. We are not responsible for third-party services, including outages, errors, data handling, or changes in their functionality.

12. Data Deletion and Retention

12.1 Lead Deletion.

You can permanently delete Lead Data from your dashboard. When you delete Lead Data, we will remove it from our active systems within a reasonable time, subject to backups, security logs, and legal obligations.

12.2 Retention.

Unless you delete it or delete your account, we may retain Lead Data and related records to provide the Service. We may retain limited records after deletion for security, fraud prevention, dispute resolution, billing, and legal compliance.

12.3 Account Deletion.

If you delete your account or we terminate it, your access ends. We may delete or de-identify Subscriber Content and Lead Data within a reasonable time after termination, except where retention is required for legitimate business purposes or legal obligations.

13. Confidentiality

Each party may receive the other party’s confidential information. The receiving party will use confidential information only as needed to perform under these Terms and will protect it using reasonable care. Confidential information does not include information that is publicly known without breach, independently developed, or rightfully received from another source.

14. Intellectual Property

We own the Service, including all software, widgets, calculators, templates, outputs formats, and documentation, and all related intellectual property rights. Except for the limited license in Section 7, no rights are granted to you.

You may provide feedback. If you do, you grant us a perpetual, irrevocable, worldwide right to use and incorporate that feedback without compensation.

15. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Calculator outputs and PDFs are estimates only and do not constitute a loan offer, approval, rate lock, or financial advice. Rates, payments, taxes, insurance, fees, and eligibility vary and may change. You are responsible for reviewing outputs and ensuring they are appropriate for your business and compliant with applicable requirements.

We do not guarantee lead volume, conversion, accuracy, or business results.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION.

OUR TOTAL LIABILITY FOR ALL CLAIMS IN ANY 12-MONTH PERIOD WILL NOT EXCEED THE TOTAL FEES YOU PAID TO US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

17. Indemnification

You will defend, indemnify, and hold harmless the Company and its officers, directors, employees, and agents from any claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising from or related to:

  • Your websites, marketing, and business practices.
  • Your collection, use, sharing, and contact of end users and Lead Data.
  • Your Subscriber Content.
  • Your violation of these Terms or applicable laws.
  • Any claim that your use of the Service (including your consent language and disclosures) violates privacy, advertising, or communications laws.

18. Suspension and Termination

We may suspend or terminate your access immediately if we believe you violated these Terms, created legal risk, engaged in prohibited use, or failed to pay. We may also discontinue the Service. Where feasible, we will provide notice, but we are not required to.

Upon termination, your license ends and you must stop using all code snippets and widgets.

19. Changes to These Terms

We may update these Terms. If changes are material, we will provide notice by email or within the Service. Continued use after the effective date means you accept the updated Terms.

20. Governing Law and Venue

These Terms are governed by the laws of Delaware, without regard to conflict of laws rules. Exclusive venue for any permitted court action will be in the state or federal courts located in Broward County, Florida and both parties consent to jurisdiction there.

21. Notices

Notices to you may be provided via email, the Service dashboard, or other reasonable means. Notices to us must be sent to: hello@whatsmypayment.com and 655 W Columbia Way, #300, Vancouver, WA 98660, unless we specify otherwise.

22. Miscellaneous

If any provision is unenforceable, the remainder remains in effect. You may not assign these Terms without our written consent. We may assign these Terms as part of a merger, acquisition, or sale of assets. These Terms are the entire agreement regarding the Service and supersede prior discussions.