These Terms govern your use of the DocOrder platform and website (the "Service"), whether you're a lending professional who subscribes or a borrower invited to use a branded page. By using the Service, you agree to these Terms. If you don't agree, don't use the Service.
The Service is a software platform ("SaaS") that lending professionals use to collect closing documents, open escrow, and manage borrower files. DocOrder provides the software only. We are a technology vendor — nothing more. Every loan, quote, document, decision, and communication made through the Service is made by, and is the sole responsibility of, the people and companies using it — never DocOrder.
DocOrder is not a lender, mortgage broker, real-estate broker, title or escrow company, appraiser, or law firm, and does not provide legal, financial, tax, real-estate, or lending advice. We do not originate, underwrite, approve, fund, or service loans, and we make no lending or eligibility decisions. Any loan, transaction, advice, disclosure, term, or fee is solely between you and your lender, broker, or title company (your "Provider"). DocOrder is not a party to that relationship and assumes no responsibility for it.
No fiduciary, agency, employment, partnership, or joint-venture relationship exists between you and DocOrder. DocOrder is not a "consumer reporting agency," does not furnish consumer reports, and the Service may not be used to determine consumer credit eligibility under the FCRA. Nothing in the Service — including any generated document, quote, calculation, checklist, or automated answer — is legal advice or the practice of law; the Service is a self-directed software tool operated entirely at the direction of its users.
Subscribers select a plan and are billed monthly in advance. Plans, prices, and client limits are as shown on our pricing page and may change on renewal. Loan-document generation, where offered, is an optional add-on billed separately. You may cancel at any time, effective at the end of the current billing period; fees already paid are non-refundable except where required by law. You're responsible for keeping your account credentials secure and for all activity under your account.
You agree to use the Service lawfully and only for legitimate closing activity; to provide accurate information; to upload only documents you have the right to share; and not to disrupt, probe, reverse- engineer, or misuse the Service. If you brand the Service as your own, you are responsible for your branding and for your communications with your clients. You are responsible for verifying the accuracy of every document and value before relying on it — automated reading and pre-fill are conveniences, not a substitute for your review.
Compliance is yours alone. If you are a Provider, you are solely responsible for your own licensing, and for the legal sufficiency and regulatory compliance of every loan, rate, fee, disclosure, marketing claim, document, and communication you make or send through the Service — in every jurisdiction you operate in, including usury, lending-license, disclosure, advertising, and privacy laws. DocOrder does not monitor, review, or verify your compliance with any law and has no duty to do so.
The Service can assemble loan documents, quotes, term sheets, checklists, extracted data, and automated answers ("Generated Output") mechanically, from templates and data supplied or selected by users. DocOrder does not author, review, or approve Generated Output and makes no representation that any Generated Output is accurate, complete, current, legally sufficient, enforceable, or compliant with any law. All Generated Output is a draft prepared at your direction, for review and approval by the Provider and its own attorneys before any use; the Provider that sends, signs, or relies on a document is solely responsible for it, exactly as if it had prepared the document itself.
Automated quotes and pricing are estimates produced from the Provider's own configured rules and are not commitments to lend; only a Provider can make, change, or honor an offer. Automated assistant answers are informational conveniences only, are not advice, and create no obligation; the signed documents on a file are the only binding terms. You agree not to rely on Generated Output without independent verification, and that DocOrder has no liability of any kind arising from Generated Output or its use.
The Service may show information from third parties — including title and escrow company listings returned by mapping or business-data providers based on a ZIP code and radius. These listings are provided for your convenience only. DocOrder does not vet, verify, recommend, endorse, or guarantee any listed company, its licensing, its availability, or the accuracy of any name, address, distance, or contact detail shown. Choosing a title or escrow company is your decision; you may use any licensed company you wish. DocOrder is not responsible for the acts, omissions, fees, or services of any third party, including companies found through the Service, payment processors, or your Provider.
Documents you upload are transmitted over an encrypted connection and shared with your Provider and the closing agents they designate, to process the file. We do not sell personal information. Keep your own copies; upload only what you're asked for. Our handling of personal information is described in our privacy practices, incorporated here by reference.
We use commercially reasonable safeguards, but no method of transmission or storage is completely secure and DocOrder does not warrant or guarantee the security, integrity, availability, or preservation of anything you upload or store. You upload at your own risk, you are responsible for retaining your own originals and backups, and, to the fullest extent permitted by law, DocOrder is not liable for any unauthorized access, loss, corruption, or disclosure of data.
The Service, its software, and its design are owned by DocOrder and its licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Service per these Terms. Your logo and brand remain yours; by uploading them you grant us the limited right to display them on the pages you brand.
The service is provided "as is" and "as available," with all faults and without warranty of any kind. To the fullest extent permitted by law, DocOrder disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the service will be uninterrupted, timely, secure, or error-free, that any listing, extracted value, or generated output (including any loan document, quote, calculation, or automated answer) is accurate, complete, legally sufficient, or compliant with any law, or that any loan will close, close on time, or close on any particular terms. No advice or information obtained from the service or from DocOrder creates any warranty not expressly stated in these terms, and you agree you have not relied on any such advice or information.
To the fullest extent permitted by law, DocOrder and its owners, officers, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost data, business interruption, or losses arising out of your loan, your transaction, any third party, or your use of or inability to use the service — even if advised of the possibility. Without limiting the foregoing, DocOrder has no liability whatsoever arising from or relating to: any document, quote, term sheet, checklist, or answer generated by the service; any error, omission, or delay in any document or data; any failed, delayed, or misdirected email, link, or notification; any loss, corruption, or unauthorized access of uploaded documents or data; any act or omission of any provider, borrower, broker, title or escrow company, or other third party; or any regulatory, licensing, usury, or compliance matter of any user. In no event will DocOrder's total aggregate liability for all claims relating to the service exceed the greater of the amounts you paid to DocOrder in the three (3) months before the claim, or one hundred U.S. dollars ($100). Your sole and exclusive remedy for any dissatisfaction with the service is to stop using it. These limitations are an essential basis of the bargain and apply even if a limited remedy fails of its essential purpose, and regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise).
Some jurisdictions do not allow certain limitations; in those places, the limitations apply to the maximum extent permitted.
You agree to indemnify and hold harmless DocOrder and its owners, officers, employees, and suppliers from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of your use of the Service, your content or branding, your transactions with borrowers or third parties, or your breach of these Terms.
These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. Any dispute will be resolved by binding individual arbitration in San Mateo County, California, and not in a class or representative action; you and DocOrder waive any right to a jury trial and to participate in a class action, to the extent permitted by law. Either party may seek injunctive relief in court for misuse of intellectual property. Any claim must be brought within one (1) year of when it arose.
DocOrder is not responsible for any failure or delay caused by events beyond its reasonable control, including outages of hosting, email, storage, or data providers, internet failures, and acts of government or nature.
We may update these Terms; the effective date above shows the current version, and continued use after an update means you accept it. We may suspend or terminate access we reasonably believe is unauthorized, unlawful, or unsafe. If any provision is unenforceable, the rest remains in effect. Questions about these Terms: support@docorder.app. For anything about your loan, contact your Provider.