Terms of service
What Splender is
Splender is professional software for mortgage professionals. It calculates qualifying income, liabilities, housing payment, assets, DTI, program eligibility signals, and submission conditions from the inputs and documents you provide.
Splender supports underwriting review. It does not replace a lender, an automated underwriting system, or an underwriter decision, and it does not approve or deny loans.
Your responsibilities
You are responsible for the accuracy of what you enter and upload, for reviewing every calculation before relying on it, and for your own licensing and compliance obligations.
- Only upload borrower information you are authorized to handle.
- Review calculations, conditions, and reports before sharing them with a borrower, processor, or lender.
- Do not present Splender output as a lender decision or an approval.
Accounts and plans
Accounts start on a trial. Plans define how many loan files, uploads, reports, and Ask Splender questions are included each month.
When a trial ends or a subscription lapses, the account becomes read-only. Existing files, documents, calculations, and audit history remain viewable.
Billing and cancellation
Splender Professional is billed monthly in advance at the price shown on the plans page. There is no setup fee, no per-loan charge, and no credit card is required for the free trial. Payments are processed by our payment provider; Splender does not receive or store card details.
You may cancel at any time. Cancellation takes effect at the end of the current paid billing period, and you keep paid access through that paid-through date. After paid access ends the account becomes read-only: existing loan files, documents, calculations, conditions, and reports remain available to view and nothing is deleted automatically.
Subscription payments are generally non-refundable once a billing period begins, except where required by applicable law or where Splender confirms a billing error.
Legal review required before live charging: this is a business-policy draft, not legal advice, and it has not been reviewed by counsel.
Account deletion
Canceling a subscription and deleting an account are separate actions. Canceling ends paid access; it does not delete your loan files.
Verified account-deletion requests are generally completed within 30 days. Some records may be retained only where needed for legal, accounting, security, fraud-prevention, dispute-resolution, or other approved compliance obligations.
Legal review required before live charging: this is a business-policy draft, not legal advice, and it has not been reviewed by counsel.
Availability and limits of liability
Splender is provided as-is. No uptime commitment, service-level agreement, or warranty of fitness for a specific lender's requirements is published.
Splender is not liable for underwriting outcomes, lender decisions, or losses arising from reliance on output that was not independently reviewed.
Changes and governing law
These terms may change as the product and the business mature. Material changes will be reflected on this page.
A governing jurisdiction is not published yet.