Funding, AI, Communications, and Platform Disclosure

QualifiedCommercial helps users collect information, organize documents, prepare funding files, obtain authorizations, manage communications, and submit validated packages to selected third-party lending companies or funding partners. Unless a separate written agreement says otherwise, Qualified Commercial LLC does not itself provide the final loan, service the loan after closing, guarantee approval, guarantee closing, guarantee rate locks, or act as post-closing customer support for the lender or servicer.

QualifiedCommercial uses AI-assisted underwriting and workflow tools. The AI may review uploaded documents, identify missing items, summarize files, generate internal observations, estimate scenarios, assist with communications, and help realtors/brokers/agents manage delegated pipeline tasks. AI can make mistakes. AI may produce inaccurate, incomplete, delayed, inconsistent, outdated, or unsupported results.

AI-generated outputs are not final underwriting decisions, final lender decisions, legal advice, tax advice, appraisals, valuations, credit approvals, commitments to lend, rate locks, or guarantees. Human users, professional users, and lenders must review and validate information before using it for real underwriting, communications, payment authorization, signature requests, lender submission, or business decisions.

QualifiedCommercial may conduct an internal file audit using information supplied by the user, realtor, broker, agent, borrower, guarantor, or authorized representative. This internal audit may evaluate document completeness, funding fit, property information, financial information, user-supplied credit-related information, and potential lender-package readiness. An internal audit alone does not necessarily create a hard credit inquiry.

A hard credit pull requires a separate authorization. If a user authorizes a hard pull, the user authorizes QualifiedCommercial, its credit/reporting provider, selected lending partners, funding partners, processors, underwriters, and related service providers to obtain consumer reports, credit reports, and related credit information for a permissible funding, underwriting, processing, placement, servicing, or related purpose. A hard credit inquiry may appear on the user's credit report and may affect the user's credit score.

When a file is validated and ready for real underwriting, QualifiedCommercial may push or transmit the lending package, documents, data, and related information to selected third-party lending companies, funding partners, processors, underwriters, credit/reporting vendors, and service providers. No unrelated party receives the information for independent marketing or lead sale purposes. Information is shared for the funding workflow, underwriting, processing, servicing, compliance, security, or legally required purposes described in the Privacy Policy.

The lending company, funding partner, investor, underwriter, or servicer may impose additional requirements, request additional documents, adjust terms, decline the file, modify conditions, or make final decisions independently. QualifiedCommercial does not control every lender requirement or post-submission result.

Not all loan projections, scenarios, estimated HUDs, payment amounts, internal underwriting terms, AI findings, prequalification indicators, or expected lender terms close as projected. Results may change because of market changes, rate changes, lender overlays, credit information, property valuation, appraisal results, title issues, insurance issues, borrower delay, document delay, human delay to lock rates, third-party processing time, lender conditions, servicing requirements, or other factors.

Users should not rely on preliminary projections as a guarantee of profitability, affordability, approval, rate, funding amount, closing date, or final lender acceptance.

Realtors, brokers, agents, and professional users are responsible for supervising the AI pipeline, reviewing delegated tasks, maintaining proper authority from their clients, obtaining client consents, verifying documents, checking communications before sending, and ensuring that their use of QualifiedCommercial complies with professional, advertising, real estate, lending, privacy, and consumer protection obligations.

QualifiedCommercial will not sell realtor-uploaded leads or client contacts and will not attempt to make business with those clients outside the relationship provided by the realtor, broker, or agent, except where the client independently contacts QualifiedCommercial, a separate authorization is provided, the relationship is no longer applicable, or law requires action. QualifiedCommercial may communicate with those clients as needed to complete authorized file tasks, signatures, document requests, AI workflow messages, and lender package processing.

By signing up, creating an account, accepting an invitation, providing a phone number, starting a file, participating in a file, or using the platform, the user consents to receive account-related and funding-file-related emails, SMS/text messages, phone calls, mobile push notifications, in-app messages, and similar communications from QualifiedCommercial and its service providers.

Messages may relate to account access, identity verification, file updates, document requests, signature requests, missing items, payment authorization, AI workflow tasks, lender package status, reminders, security, service announcements, and support. SMS/text messages may be sent through Twilio or another provider. Message frequency varies. Message and data rates may apply. Reply STOP to opt out where supported and HELP for help where supported. Opting out may prevent timely file processing or reduce platform functionality.

The mobile application may send push notifications about account activity, file updates, AI tasks, missing documents, signature requests, lender submission status, security alerts, and service notices. Push notifications can be managed through device or app settings. Disabling push notifications may affect the user's ability to receive timely updates.

QualifiedCommercial may present authorizations, disclosures, consents, payment forms, credit pull authorizations, lender package authorizations, and other records electronically. By signing electronically or clicking to accept, the user agrees that electronic signatures, checkboxes, typed names, drawn signatures, click-to-sign actions, OTP confirmations, and similar actions may be legally binding and may be used to document consent.

The platform may capture signer identity, email, phone, IP address, device/browser, timestamp, document version, consent text, audit trail, and final PDF or certificate. Users can request a paper copy or withdraw electronic consent by contacting QualifiedCommercial, but withdrawal may delay or prevent the completion of the file.

If a user authorizes a credit card or payment method, the user authorizes the charge or payment according to the amount, purpose, timing, and terms shown in the authorization screen or signed authorization. QualifiedCommercial should use tokenized or hosted payment processing where possible. QualifiedCommercial does not intentionally store CVV/CVC codes and should not store full raw card numbers in its database or signed PDFs. Payment records may show card brand, last four digits, expiration month/year, token/reference ID, authorized amount, purpose, timestamp, and audit record.

QualifiedCommercial does not sell borrower information, realtor-uploaded leads, or client contact information for money. QualifiedCommercial may use Meta/Facebook, Google Ads, cookies, pixels, SDKs, and similar tools for analytics, retargeting, conversion measurement, and advertising. Retargeting ads may appear in the user's feed or other digital placements. Some laws may classify certain retargeting or analytics activity as targeted advertising or sharing, even when information is not sold for money. Users can review choices in the Privacy Policy.

QualifiedCommercial uses encryption and security controls designed to protect data. However, no system is perfectly secure. The platform may be unavailable, delayed, degraded, or interrupted due to AWS outages, third-party vendor outages, mobile carrier issues, internet failures, maintenance, security events, software defects, or other causes. QualifiedCommercial is not responsible for lender decisions, post-closing servicing support, or third-party outages outside its control.

After a loan closes or is transferred to a lending company, servicer, funding partner, or third party, post-closing servicing, payment processing, escrow questions, payoff statements, servicing disputes, modification requests, and lender customer support are handled by the lender, servicer, or applicable third party. QualifiedCommercial does not represent that it is the lender's customer support or servicing department unless a separate written servicing agreement expressly says so.

Questions about this disclosure may be sent to Qualified Commercial LLC, 14 53rd St #408N, Brooklyn, NY 11232, email: support@qualifiedcommercial.com.