By using theOwl, you acknowledge, understand and agree that (i) all artificial intelligence (“AI”) tools, including theOwl is experimental and subject to various errors, and (ii) theOwl’s features and functions are provided by Hometown Equity Mortgage LLC DBA the Lender ("we," "us," or "our") as an AI-driven tool to assist you as a third-party originator to brainstorm about and research possible loan scenarios. While theOwl aims to provide accurate and helpful information, there can be no certainty of any kind, and we are not liable for any incorrect or incomplete answers it may provide. Responses may vary or change based on underwriting guidelines and programs available.
Users of theOwl are advised to exercise their own judgment and discretion when interpreting the information or responses provided by our tool. We are not responsible or liable for any errors, omissions, or inaccuracies in any information or responses provided, nor for any actions taken or decisions made based on the information or responses provided. theOwl is for use only by third-party originators and is not to be used or made accessible to consumers for any reason.
No information or response provided may be construed as an offer to extend credit or as underwriting or other professional advice, and use of theOwl to approve or deny any loan or application, current or prospective, is strictly forbidden. Answers given by theOwl are not a commitment to lend and shall not be relied upon for making any loan or related decision. Always verify information and consult with your Account Executive (“AE”) before submitting a loan application or when you have specific questions.
By using theOwl, you acknowledge and agree to this disclaimer and assume full responsibility for your use of the tool and any information or responses provided. If you do not agree with this disclaimer, please refrain from using theOwl.
We reserve the right to update or modify this disclaimer or the contents, use or availability of theOwl at any time without prior notice. Users are encouraged to review this disclaimer periodically to stay informed about any changes.
