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EULA Policy

 

aria.Associates — END USER LICENSE AGREEMENT (EULA)

Last Updated: [Insert Date]

This End User License Agreement (“Agreement”, “EULA”) is a legally binding contract between Obraj Inc. (“Company”, “we”, “our”, “us”) and you (“User”, “you”), governing your access to and use of the aria.Associates platform, including its web applications, mobile applications, software components, tools, documentation, associated services, and integrations (collectively, the “Services”).

By creating an account, accessing, or using aria.Associates, you agree to be bound by this Agreement.
If you do not agree, you must not use the Services.

1. DEFINITIONS

  1. “aria.Associates” refers to the professional platform offered by Obraj Inc. that allows mortgage loan officers, mortgage brokers, and mortgage companies to manage borrower interactions, run mortgage scenarios, generate fee worksheets, and access related tools.

  2. “aria.mortgage” refers to the companion borrower-focused application integrated with aria.Associates.

  3. “Licensed User” means any loan officer, broker, company employee, or authorized representative using the platform with a valid license.

  4. “Borrower Data” refers to consumer financial information submitted voluntarily by borrowers, including credit, income, assets, liabilities, identification, and property information.

  5. “Software” means all software, code, interfaces, analytics, databases, documentation, and other components of the Services.

2. LICENSE GRANT

Subject to compliance with this EULA, Obraj Inc. grants you a:

  • Limited

  • Non-exclusive

  • Non-transferable

  • Non-sublicensable

  • Revocable

license to access and use aria.Associates solely for legitimate mortgage-related business purposes, including borrower qualification, communication, and mortgage scenario generation.

You obtain no ownership rights in the Software or Services.

3. PERMITTED USE

You may use aria.Associates only to:

  • Manage your customers and mortgage leads

  • Communicate with borrowers using compliant, in-app messaging

  • Review, verify, or process borrower-provided financial data

  • Generate loan scenarios, fee worksheets, and analytics

  • Pull borrower credit when applicable permissions are granted

  • Upload or collect documentation required for mortgage qualification

  • Use tools and features intended for mortgage advisory and operational purposes

4. PROHIBITED USE

You agree not to:

  1. Reverse-engineer, decompile, or attempt to extract source code

  2. Sell, license, or distribute the platform or its components

  3. Use the platform for any unauthorized consumer data collection

  4. Use the platform for fraudulent, misleading, or unlawful purposes

  5. Scrape, harvest, or export borrower information without consent

  6. Circumvent authentication, API limits, or security features

  7. Use the Services to offer competing software tools

  8. Violate federal or state lending, data privacy, or consumer protection laws

  9. Misrepresent yourself, your licensing status, or your employer

Violation may result in immediate account suspension or termination.

5. BORROWER DATA & PRIVACY

You acknowledge and agree that:

  1. Borrowers voluntarily provide their data through the aria.mortgage app or through direct entry.

  2. You are responsible for obtaining borrower consent for:

    • Reviewing their data

    • Running loan scenarios

    • Pulling credit

    • Communicating electronically

  3. All borrower data must be handled in accordance with:

    • Federal and state mortgage laws

    • FTC and CFPB guidelines

    • FCRA, GLBA, TCPA, and applicable privacy laws

  4. Obraj Inc. may store, process, and analyze borrower data to provide platform functionality, quality enhancements, security, and compliance tracking.

Obraj Inc. does not sell borrower data.

Please review our full Privacy Policy for additional details.

6. COMMUNICATION CONSENT & TCPA COMPLIANCE

You agree:

  • Not to message borrowers outside the platform for promotional or marketing purposes without express written consent.

  • To use in-app messaging responsibly and compliant with the Telephone Consumer Protection Act (TCPA).

  • To maintain accurate contact information, licensing numbers, and identity details.

7. CREDIT REPORT ACCESS

When using aria.Associates credit tools:

  1. Borrowers must give explicit informed consent before any credit retrieval.

  2. You are solely responsible for ensuring FCRA compliance.

  3. Unauthorized credit pulls will result in immediate termination of your account.

8. ACCOUNT SECURITY

You agree to:

  • Maintain the confidentiality of your login credentials

  • Not share your account with anyone

  • Notify Obraj Inc. of any unauthorized access

  • Use secure devices and networks

You are responsible for all actions under your account.

9. FEES & SUBSCRIPTIONS

Certain features of aria.Associates may require payment. If applicable:

  • Subscription fees are billed according to the plan you select

  • Fees are non-refundable unless required by law

  • Late or failed payments may result in suspended access

10. INTELLECTUAL PROPERTY

All rights, title, and interest in the Services, including:

  • Software

  • Logos and branding

  • Databases

  • UI/UX

  • Algorithms

  • The aria butterfly mark

  • Documentation

  • Analytics

  • Source code

remain the sole property of Obraj Inc.
You receive no IP ownership through this EULA.

11. UPDATES & MODIFICATIONS

Obraj Inc. may update or modify:

  • Features

  • User interface

  • Pricing

  • Integrations

  • Terms

  • Policies

You will be notified of material changes. Continued use constitutes acceptance.

12. TERMINATION

We may suspend or terminate your access:

  • For violations of this EULA

  • For suspected fraudulent or unlawful activity

  • For misuse of borrower data

  • For failure to maintain licensing requirements

  • For non-payment of fees

Upon termination, all licenses granted under this EULA immediately expire.

13. DISCLAIMER OF WARRANTIES

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, INCLUDING:

  • Accuracy

  • Completeness

  • Fitness for a particular purpose

  • Availability

  • Reliability

  • Error-free performance

Mortgage outputs (e.g., payment estimates, loan scenarios) are for informational purposes only and do not constitute underwriting decisions.

14. LIMITATION OF LIABILITY

To the fullest extent permitted by law:

Obraj Inc. is not liable for:

  • Loss of business or revenue

  • Errors in borrower-provided data

  • Loss of profits

  • Misuse of borrower information

  • Decisions made based on system outputs

  • Third-party service issues (credit bureaus, integrations, etc.)

Our total liability shall not exceed the amount you paid for the Services in the preceding 12 months.

15. INDEMNIFICATION

You agree to indemnify and hold harmless Obraj Inc. from claims arising out of:

  • Your use of the Services

  • Your violation of this Agreement

  • Breaches of data privacy or lending laws

  • Unauthorized credit pulls

  • Consumer communication violations

16. GOVERNING LAW

This Agreement is governed by the laws of the State of Texas, without regard to conflict-of-law principles.

17. DISPUTE RESOLUTION

Any dispute will be resolved through binding arbitration in Dallas, Texas, unless prohibited by law.

18. CONTACT INFORMATION

For questions regarding this EULA, please contact:

Obraj Inc.
Email:support@obraj.com
Website: www.obraj.com