Terms of use — placeholder draft

MortgageAgent provides this placeholder copy so investors evaluating the platform can review our intent before submitting an accredited-investor inquiry. The version posted at this URL is the one that controls; later revisions supersede it on publication.

Draft — pending legal review.

These terms are a placeholder pending counsel review. The current published version at /legal/terms is what controls if any provision conflicts with later revisions.

Section 1

No investment advice

MortgageAgent does not provide investment, legal, tax, or financial-planning advice. The platform connects accredited capital with vetted private and short-term mortgage originations. Neither the AI risk model, the partner desk, nor any material on this site constitutes a recommendation, solicitation, or offer to buy or sell any security.

Every allocation decision is yours. We publish the inputs — collateral, DSCR, exit strategy, originator track record, and the same risk-model score the partner desk uses to clear files — so you can underwrite the position yourself. Past performance of any prior deal does not guarantee future results. Mortgage assets carry default, illiquidity, and concentration risk that public-market portfolios do not.

If you need a fiduciary review of how a MortgageAgent allocation fits your broader portfolio, please engage a registered investment adviser before transacting with us.

Section 2

Accreditation basis

The MortgageAgent investor program is limited to SEC Rule 501 accredited investors. Confirmation happens before an allocation conversation opens. The four qualifying tests and the renewal cadence are summarized below.

Income test

Earned income of $200k+ single or $300k+ joint for each of the last two years, with a reasonable expectation of reaching the same level in the current year. We verify with two years of supporting documentation.

Net-worth test

Net worth above $1M excluding the value of your primary residence. Joint net worth with a spouse counts; we ask for the underlying liquid and illiquid composition on intake.

Professional license

Hold an active Series 7, Series 65, or Series 82 license in good standing. License number and issuing firm are captured at intake and verified before we open an allocation conversation.

Renewal cadence

Accreditation is checked again at the start of each annual capital cycle. Investors whose status has changed move to a separate observation queue rather than being silently routed the wrong mandates.

Section 3

Data usage and storage

Submissions to the accredited-investor inquiry form are routed through the MortgageAgent intake pipeline. The data you enter — identity fields, the accreditation basis you declare, the net-worth and income bracket, and any free-text note — is stored on the platform's contact record so the investor relations team can review it and route a conversation back to you.

We retain inquiry submissions for the period needed to evaluate the application, complete the accreditation review, and respond to follow-up questions. Retention length and your deletion rights are spelled out in detail on the privacy page.

Section 4

Contact

Questions about these placeholder terms go to mortgageagent@polsia.app. Counsel and the investor relations team share the inbox; we respond on business days.