Pro Terms of Service

To use the Pro features of Hey Prescott you must (a) be at least 18 years old, (b) hold an active state or NMLS license appropriate to the role you select on the platform (loan officer, mortgage broker, real estate agent, real estate broker, or other licensed lending professional), and (c) keep that license in good standing during your use of the platform. We verify license status during onboarding and periodically thereafter.

Hey Prescott exists to surface down-payment-assistance options that match the borrower's situation — not to direct borrowers toward higher-cost products. You warrant that you will not use Hey Prescott to steer borrowers toward products that generate higher compensation for you when comparable lower-cost products are available. Steering violations are grounds for immediate termination.

You warrant that your use of Hey Prescott complies with the Real Estate Settlement Procedures Act, including RESPA Section 8's prohibition on kickbacks, referral fees, and unearned fees. The platform's connection model is structured to be RESPA-neutral; you may not use any feature in a way that violates Section 8. If you have any doubt whether a planned use complies, contact compliance@heyprescott.com before acting.

You represent that the license you presented during onboarding is currently active and in good standing. You agree to notify us within 7 days of any of: (a) license suspension or revocation, (b) disciplinary action by a state regulator or the NMLS, (c) any criminal charge or conviction related to lending, real estate, or financial services, or (d) a change in your employing entity that affects your licensure or the contact information on file.

When a borrower connects with you through Hey Prescott, you receive a limited subset of their wizard answers and saved programs. You may use that data solely to provide services to that borrower. You may not (a) scrape, export, or download borrower data outside the platform, (b) use borrower data for any non-Hey-Prescott purpose, including building marketing lists or training models, or (c) share borrower PII with any third party except as required by law or expressly authorized by the borrower. Borrowers retain the right to disengage at any time without explanation; you will respect that.

If your subscription includes Content Studio, you may use templates and outputs generated on the platform in your own marketing channels. You own the editable portions of any output you publish. Hey Prescott retains all rights in the underlying template structure, design system, and the “Powered by Hey Prescott” mark, which must remain visible on generated assets unless you negotiate a separate white-label arrangement. You grant Hey Prescott a non-exclusive license to display your profile, ratings, and aggregate performance statistics publicly on the platform.

Borrowers may rate and review your services after a connection completes. Reviews are borrower commentary, not Hey Prescott statements. We moderate reviews under our published policy (defamation, off-topic content, abusive language, regulated speech), but we do not guarantee removal of any specific review absent clear cause. You may respond to reviews on your public profile.

Pro plans bill on a recurring monthly or annual cadence via Stripe. New accounts start with a 14-day trial; you may cancel during the trial at no charge. After the trial, your payment method is charged automatically each cycle. You may cancel at any time from Settings → Subscription; the cancellation takes effect at the end of the current paid term. Refunds are not issued for partial periods except where required by state law.

We may suspend or terminate your account for: license loss, sustained or material policy violations, non-payment, or breach of these terms. You may appeal a suspension in writing to compliance@heyprescott.com within 30 days of the suspension date. We will respond within 14 days. If the response does not resolve the matter you may request review by a second admin within an additional 14 days; that review is final.

You agree to indemnify, defend, and hold harmless Hey Prescott, Inc., its officers, employees, and affiliates from and against any claim, loss, damage, liability, or expense (including reasonable attorneys' fees) arising out of: (a) any content you generate, publish, or transmit through the platform, including Content Studio outputs that exceed template guardrails through your edits; (b) any communication or transaction with a borrower that occurs outside the platform; (c) any violation of fair-lending laws (ECOA, Fair Housing Act, state equivalents); (d) any RESPA Section 8 violation; (e) any state or federal licensing violation; and (f) any other regulatory liability arising from your use of the platform.

To the maximum extent permitted by law, Hey Prescott's aggregate liability arising out of or relating to these terms or your use of the platform will not exceed the total fees you paid Hey Prescott during the 12 months preceding the event giving rise to the claim. In no event will Hey Prescott be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, or lost business opportunities, even if advised of the possibility.

Hey Prescott provides the platform “as is” and “as available.” We make no warranty that the platform will produce any particular volume or quality of leads, any particular conversion rate, or any particular level of revenue. We disclaim all warranties not expressly granted in these terms, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We may update these terms over time. Material changes will be communicated at least 30 days before they take effect, by email and an in-app banner. Material changes require you to re-accept the updated terms at next sign-in. Non-material changes (typo corrections, clarifications that do not alter your obligations) take effect immediately and are announced by email only. The current and prior versions of these terms are maintained in the change log linked at the bottom of this page.

Any dispute arising out of or relating to these terms or the platform will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will take place in [jurisdiction TBD by counsel]. You and Hey Prescott each waive the right to participate in class actions or class-wide arbitration. Either party may seek injunctive relief in a court of competent jurisdiction for intellectual-property or confidentiality matters.

These terms, together with the privacy policy, cookie preferences, and any subscription order form, constitute the entire agreement between you and Hey Prescott regarding the platform. If any provision is held unenforceable, the remainder will continue in effect. Failure to enforce any provision is not a waiver. You may not assign these terms without our written consent. We may assign these terms to an affiliate or successor.