Terms and Conditions

These Terms and Conditions are a binding agreement between the user and Qualified Commercial LLC. By creating an account, accessing the platform, using the mobile application, inviting a client, uploading a document, delegating tasks to AI, signing electronically, authorizing communications, submitting a funding file, or otherwise using QualifiedCommercial, the user agrees to these Terms.

If a user acts on behalf of a company, borrower, client, guarantor, realtor, broker, agent, or other organization, the user represents that they have authority to bind that person or organization and to provide information, consents, documents, and instructions through the platform.

QualifiedCommercial provides a technology platform for commercial and real estate funding workflows. The platform may include client intake, document collection, AI-assisted file review, internal file audit, task management, realtor/broker/agent pipeline tools, mobile notifications, e-signature workflows, payment authorization workflows, communication tools, lender package preparation, and submission of validated packages to selected third-party lending companies or funding partners.

Unless a separate written agreement states otherwise, Qualified Commercial LLC is not the lender, loan servicer, credit bureau, consumer reporting agency, appraiser, title company, settlement agent, insurance provider, tax advisor, attorney, CPA, or post-closing loan servicing customer support provider.

Users must provide accurate, current, and complete information.

Users must maintain the confidentiality of login credentials, devices, email accounts, and phone numbers used for verification.

Users must promptly update account information and funding file information if it changes.

Users may not impersonate another person, upload unauthorized information, misuse the platform, interfere with security, or attempt to access files without permission.

Users are responsible for activity under their accounts, including activity by employees, assistants, team members, contractors, or authorized representatives.

Funding projections, estimated loan terms, AI-generated observations, internal underwriting scenarios, payment estimates, rate assumptions, leverage estimates, HUD estimates, DSCR/LTV/LTC calculations, and similar outputs are preliminary and informational. They are not final approvals, commitments to lend, rate locks, binding term sheets, appraisals, valuations, legal opinions, tax advice, or guarantees of closing.

Final approval, pricing, conditions, credit decisions, documentation requirements, valuation treatment, rate locks, exceptions, funding, and servicing are controlled by the applicable lender, lending company, funding partner, servicer, investor, or third-party provider. Loan projections and internal terms may not close as projected due to market changes, credit changes, collateral issues, rate changes, lender overlays, property conditions, third-party delays, document delays, borrower delays, human delays to lock rates, or other factors.

QualifiedCommercial may use AI-assisted systems to analyze information, identify missing documents, help prepare packages, draft communications, support underwriting review, summarize files, manage workflow, and assist realtors/brokers/agents. AI can make mistakes. AI may produce incomplete, inaccurate, outdated, inconsistent, or inappropriate results. Users must review AI output before relying on it, sending it, submitting it, or using it in a funding file.

AI does not replace human review, lender underwriting, legal review, tax review, professional judgment, or user responsibility. Users remain responsible for verifying information, supervising delegated tasks, correcting errors, confirming consents, and determining whether a file is ready for lender submission.

Realtors, brokers, agents, and other professional users are responsible for maintaining their client relationships, securing authority to upload client information, obtaining required consents, supervising the AI pipeline, reviewing delegated tasks, verifying communications, and ensuring that their use of the platform complies with real estate, lending, advertising, privacy, professional, and consumer protection obligations that apply to them.

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 such clients as needed to operate the platform, complete tasks delegated by the professional user, obtain documents/signatures, process funding files, and submit authorized lender packages.

The Qualified Commercial Customer Care SMS Program sends transactional account and funding-file communications, including appointment confirmations and reminders, secure access and verification links, bank-connection requests, document and e-signature requests, missing-item notices, file and lender-package status updates, security alerts, and replies to support requests. Promotional messages, including program announcements, rate updates, and offers, belong to a separate marketing program with separate consent.

Providing a mobile number, creating an account, accepting an invitation, starting a funding file, or using the platform does not enroll a person in either text message program. We enroll a mobile number only after the owner of that number gives separate, affirmative consent through an unchecked control for the applicable program. Selecting the Customer Care control does not select the marketing control. SMS consent is optional and is not a condition of purchase, applying for funding, receiving funding, or using any part of the platform; required file communications can continue by email.

Where a QualifiedCommercial representative collects consent during an in-person visit, the person who answers the mobile number must be the one who ticks the boxes or who states their agreement to the representative, and we record the exact wording shown, the representative who obtained it, the date and time, and the network address of the device used. A representative may not enrol a number on someone else's behalf without that person's express agreement.

Message frequency varies according to account and funding-file activity. Message and data rates may apply. Reply STOP to unsubscribe, and one confirmation message will follow. Reply HELP for help, or contact support@qualifiedcommercial.com. Carriers are not liable for delayed or undelivered messages. Text messages are delivered by Twilio, AWS End User Messaging, or another messaging provider acting only on our behalf.

No mobile information, phone number, SMS opt-in data, or SMS consent is sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes. We disclose mobile information only to service providers that deliver and support our messaging program, and only for that operational purpose. Consent to receive text messages from us is never transferred to another party.

Unsubscribing from text messages does not unsubscribe you from email. Account and file-related email continues while a file is active, because it carries requests the file cannot proceed without. Marketing email carries an unsubscribe link in every message. Push notifications are controlled in your device or app settings.

Users consent to conduct transactions electronically, receive electronic records, sign documents electronically, and receive copies through the platform or email. Electronic signatures, checkbox acknowledgments, typed names, drawn signatures, click-to-sign actions, OTP confirmations, and similar actions may be treated as signatures, consents, authorizations, and records.

The platform may capture signer name, email, phone, user ID, IP address, device/browser, timestamp, consent language, document version, signature method, audit trail, and final document hash. Users may request paper copies or withdraw electronic consent by contacting QualifiedCommercial, but withdrawal may delay or prevent continued platform use, signature completion, credit authorization, payment authorization, or lender package submission.

Internal file review may include reviewing information supplied by the user, realtor, broker, agent, borrower, guarantor, or authorized representative. Internal file review is not necessarily a hard credit inquiry. A hard credit pull requires a separate authorization. When a user authorizes a hard credit pull, the user authorizes QualifiedCommercial, its credit/reporting provider, and selected lending parties to obtain consumer reports, credit reports, and related credit information for funding review, underwriting, processing, placement, servicing, or related permissible purposes. A hard credit inquiry may appear on a credit report and may affect a credit score.

When a funding file is validated and ready for real underwriting, QualifiedCommercial may submit the lending package, documents, and related information to selected third-party lenders, lending companies, funding partners, processors, underwriters, credit/reporting vendors, and service providers as authorized or necessary for the funding workflow.

If a user provides payment information or signs a credit card authorization, the user authorizes QualifiedCommercial or its payment processor to charge the authorized payment method for the amounts, purposes, timing, and terms disclosed in the applicable authorization or platform screen. Payment card data should be processed using tokenized or hosted payment methods where possible. QualifiedCommercial does not intentionally store CVV/CVC codes and should not store full raw card numbers in platform databases or signed PDFs.

Users are responsible for ensuring that payment information is accurate and that they are authorized to use the payment method. Fees, refunds, reversals, chargebacks, and cancellations are governed by the applicable payment authorization, platform terms, and any separate written agreement.

Use of the platform is subject to the Privacy Policy and Financial Privacy Notice. QualifiedCommercial does not sell borrower information or realtor-uploaded lead information for money. QualifiedCommercial may use service providers such as AWS, Twilio, AWS End User Messaging, email providers, payment processors, e-signature/document tools, Meta/Facebook, Google Ads, analytics providers, and similar vendors to operate, secure, communicate, advertise, retarget, measure, and improve the platform.

Retargeting ads may appear in a user's social media feed, search results, display placements, or other digital channels. Some privacy laws may treat certain retargeting or analytics activities as sharing or targeted advertising even when no information is sold for money. Users can review opt-out choices in the Privacy Policy.

The platform may rely on AWS, internet service providers, mobile carriers, SMS providers, email providers, payment processors, app stores, AI providers, credit/reporting providers, lenders, and other third parties. QualifiedCommercial does not guarantee uninterrupted, error-free, secure, or real-time availability. The platform may experience downtime, delays, outages, message failures, data sync issues, degraded performance, or loss of access due to maintenance, vendor outage, AWS outage, cyber event, carrier issue, internet failure, software defect, or circumstances beyond QualifiedCommercial's control.

Submitting false, misleading, unauthorized, incomplete, or fraudulent information.

Uploading client, borrower, guarantor, or lead information without proper authority or consent.

Using the platform to make unlawful credit, lending, housing, advertising, or discriminatory decisions.

Bypassing security, scraping data, reverse engineering, disrupting operations, or attempting unauthorized access.

Using AI output without appropriate human review where the result affects a client, borrower, funding file, lender package, payment, or legal/compliance obligation.

Sending spam, unlawful texts, unlawful calls, deceptive communications, or messages without required consent.

QualifiedCommercial, its software, workflow design, AI pipeline features, templates, interfaces, text, graphics, branding, logos, and platform materials are owned by Qualified Commercial LLC or its licensors. Users receive a limited, revocable, nonexclusive, nontransferable right to use the platform for authorized purposes only.

The platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, QualifiedCommercial disclaims warranties of merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted access, error-free operation, accuracy of AI output, funding approval, rate availability, lender acceptance, closing, profitability, valuation accuracy, or post-closing servicing support.

To the maximum extent permitted by law, QualifiedCommercial will not be liable for indirect, incidental, special, consequential, exemplary, punitive, lost profit, lost revenue, lost opportunity, loss of goodwill, data loss, business interruption, financing denial, loan delay, rate change, servicing issue, third-party lender decision, AI error, messaging delay, or outage damages. QualifiedCommercial's total liability for any claim will not exceed the amount paid by the user to QualifiedCommercial for the service giving rise to the claim during the three months before the event, or one hundred dollars if no amount was paid, unless a different limit is required by law.

Users agree to defend, indemnify, and hold harmless QualifiedCommercial, its owners, officers, employees, contractors, service providers, and affiliates from claims, losses, liabilities, damages, costs, and expenses arising from user content, unauthorized uploads, inaccurate information, misuse of the platform, violation of these Terms, violation of law, client disputes, consent failures, professional obligations, payment disputes, or reliance on AI output without proper review.

These Terms are governed by the laws of New Jersey, without regard to conflict-of-law rules. Before filing a claim, the parties agree to attempt informal resolution by written notice sent to support@qualifiedcommercial.com or the mailing address listed above.

Except for small claims, intellectual property, injunctive relief, or claims that cannot legally be arbitrated, disputes will be resolved by binding individual arbitration administered by the American Arbitration Association or a comparable arbitration provider selected by QualifiedCommercial if AAA is unavailable. Arbitration will occur on an individual basis only. Class actions, class arbitrations, representative actions, private attorney general actions, and jury trials are waived to the maximum extent permitted by law.

QualifiedCommercial may suspend or terminate access, remove content, disable features, or refuse service if a user violates these Terms, creates risk, fails to pay authorized fees, misuses communications, uploads unauthorized information, threatens platform integrity, or if continued service is not commercially, legally, or operationally appropriate. Termination does not eliminate payment obligations, record retention, audit rights, disclaimers, limitations, arbitration provisions, indemnity, or obligations that by nature should survive.

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