Participating Business Agreement & Terms of Use
This Participating Business Agreement and Terms of Use (Agreement) is between MLO Networks, 514 Americas Way, #24746, Box Elder, South Dakota 57719 (Company, we, us, or our) and the local business or advertiser (Participant, you, or your) that asks to be featured in a local business directory hosted on our platform. Loan officers who subscribe to MLO Networks are covered by the separate MLO Networks Terms of Service. By checking the agreement box, you accept this Agreement, the No Spam Policy, and the Privacy Policy.
1. Free Directory Listing
MLO Networks and the participating loan officer (MLO) whose directory features you provide an online community directory. Your listing is free. No payment is required, and we do not promise any number of visitors, customers, or results.
2. Who Can Participate
You must be at least 18 and have the authority to bind your business. Due to regulatory restrictions, real estate agents, real estate brokers, and settlement service providers (such as title, escrow, closing, and appraisal companies) are ineligible to directly participate. By submitting a request, you represent that you are not one of them.
3. Your Content & License
You give MLO Networks, the MLO, and their service providers a non-exclusive, worldwide, royalty-free license to display, format, translate, and promote your business name, web address, text, logos, and pictures in the directory network, in your listing, and on related pages. You keep ownership of your own trademarks and content. You represent that everything you give us, or that is on the website you ask us to use, is accurate and that you own it or have the right to use it. Do not submit anything deceptive, unlawful, infringing, or fraudulent. We may review, edit for formatting, or remove any listing at any time.
4. AI-Created Ads
To make your ad, we or the MLO may use artificial intelligence to read the public pages of the website you provide and to draft ad text and pictures. This may include text and images from your site. AI output can contain mistakes, so please review your ad. You may ask us to change or remove your ad at any time using the Legal & Privacy Requests form, and we will do so promptly.
5. Independent Businesses
Nothing here creates an employment, agency, partnership, or joint venture between you, MLO Networks, and any MLO. Each business is responsible for its own products, services, licenses, pricing, and customer communications. A listing is not an endorsement or recommendation by us or by the MLO, and we do not guarantee any business or MLO.
6. RESPA & No Referral Payments
The directory is general community advertising. Listing does not create any agreement or understanding to refer settlement service business, and no one is required to refer business to anyone. Do not offer, give, or accept anything of value in exchange for referrals of mortgage or settlement business in connection with the directory.
7. Contact From Us
By submitting a request, you agree that MLO Networks and the assigned MLO may contact you by email, by phone, and by text message at the details you gave, about your listing, ad, and related marketing services. Text messages may be sent by an automated system and are not a condition of listing. Message and data rates may apply. You can opt out at any time by replying STOP to a text, using the unsubscribe link in an email, or using our form.
8. Sponsoring a Discount Code
If you offer a discount code through MLO Networks, the code, your company name, and your complete contact information are shown in the MLO Portal of each loan officer who uses it. Those loan officers agree to receive emails from you about your code and your services, and you agree to follow the No Spam Policy in all contact with them, including the CAN-SPAM Act and the Telephone Consumer Protection Act (TCPA). Offering a code is free to you. We are not responsible for any discount you offer. You may ask us at any time to stop offering your code, and we may end or change a code at any time.
9. Intellectual Property & Copyright
The platform software, layouts, AI tools, trademarks, and branding belong to MLO Networks. If you believe something in a directory infringes your copyright, send a notice through our Legal & Privacy Requests form that identifies the work, shows where it appears, and includes the statements the form asks for. We remove valid material promptly and may end the accounts of repeat infringers.
Copyright Agent: MLO Networks, Attn: Copyright Agent, 514 Americas Way, #24746, Box Elder, South Dakota 57719. Phone: (605) 388-2422. Email: legal@mlonetworks.com. You may also use our Legal & Privacy Requests form.
Restrictions. The non-public parts of the platform, including its software, design, AI tools, and data, are confidential property of MLO Networks. You may not copy, scrape, or harvest the directory or its data by automated means, reverse engineer the platform, or use them to build a competing product or list. Content you submit stays yours.
10. Disclaimers & Limitation of Liability
The directory and platform are provided as is and as available, with no warranties of any kind, express or implied. To the fullest extent the law allows, MLO Networks is not liable for indirect, incidental, special, or consequential damages, lost profits, or lost business from your listing, website interruptions, AI output, or dealings with other businesses or MLOs. Because the listing is free, our total liability for any claim is limited to $100. Some laws do not allow certain limits, so parts of this section may not apply to you.
11. Termination & Changes
You may stop participating at any time by asking us to remove your listing. We may end or change the directory or any listing at any time. We may update this Agreement. For material changes we will post a notice or email you at least 30 days before they take effect, and continued participation means you accept them.
12. Governing Law & Disputes
This Agreement is governed by the laws of the State of South Dakota, without regard to conflict-of-law rules. Before filing a claim, each side will first try to resolve the dispute informally: send us notice through our form and allow 30 days. If it is not resolved, the state and federal courts in Pennington County, South Dakota are the exclusive place for any claim. Either side may instead bring an individual claim in small claims court if it qualifies.
13. General
This Agreement, the No Spam Policy, and the Privacy Policy are our entire agreement about your listing. If a part is unenforceable, the rest stays in effect. You may agree and sign electronically, which has the same effect as a handwritten signature under the federal E-SIGN Act and applicable state law. Each request records the version of the Agreement that you accepted.
14. California Residents
Under California Civil Code section 1789.3, California users are entitled to the following specific consumer rights notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.
15. Contact
Use our Legal & Privacy Requests form, or write to MLO Networks, 514 Americas Way, #24746, Box Elder, South Dakota 57719.