Terms of Service | Afordly

Terms of Service

Effective Date: 05/01/2025

Afordly is a service operated by Home IQ Co, a Texas corporation ("Company," "we," "our," or "us"). By accessing or using Afordly (the "Service"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service.

1. Description of Service

Afordly provides marketing tools for Realtors, including personalized "Realtor Cards" that allow their clients to begin a pre-qualification process for potential mortgage financing. Afordly does not provide loans or financial advice. Pre-qualification results are estimates only and are not guarantees of loan approval.

2. Eligibility

You must be at least 18 years old to use the Service. Realtors using Afordly represent that they are licensed professionals authorized to engage in real estate services in their jurisdiction.

3. User Accounts

  • Realtors: By creating a Realtor Card, you agree to provide accurate information including your name, brokerage, and contact details.
  • Clients/Leads: By using a Realtor Card or submitting information, you agree that your data will be shared with the Realtor who provided you the card.

4. Use of Service

  • You may not use Afordly for unlawful purposes.
  • You may not misrepresent Afordly as a mortgage lender or guarantee of financing.
  • Realtors may not create cards on behalf of other agents without their permission.

5. Data & Communications

  • Client information is securely stored in Firebase and may also be transmitted to the Realtor's connected CRM system.
  • By using the Service, you consent to being contacted by the Realtor associated with the card.

6. No Financial Advice or Loan Guarantee

Afordly is not a mortgage company, bank, or financial advisor. Any estimates generated are for informational purposes only. Final loan approval is subject to review by licensed mortgage lenders.

7. Intellectual Property

The Afordly brand, logo, and software are owned by Home IQ Co. You may not copy, modify, or redistribute any part of the Service without prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, Home IQ Co and Afordly are not liable for:

  • Any financial decisions you make based on the Service.
  • Any errors, interruptions, or delays in the Service.
  • Any indirect or consequential damages.

9. Indemnification

You agree to indemnify and hold harmless Home IQ Co, its officers, employees, and partners from any claims, damages, or expenses arising from your use of the Service.

10. Governing Law

These Terms are governed by the laws of the State of Texas. Any disputes shall be resolved in the courts of Travis County, Texas.

11. Modifications

We may update these Terms at any time. Continued use of the Service after changes means you accept the new Terms.

Contact Information

For questions about these Terms, contact us at: 📧 Admin@homeiq.pro