Terms of Service

Acceptance

By creating an account or using RiskSculptor™, you agree to these Terms of Service. If you do not agree, do not use the platform.

What RiskSculptor Is

RiskSculptor is Loan Rescue as a Service (LRaaS): a professional post-AUS file-rescue and analysis platform for licensed mortgage loan officers. RiskSculptor is not a lender, broker, underwriter, AUS, LOS, POS, CRM, pricing engine, approval engine, or credit decisioning system. The platform does not approve, deny, pre-approve, qualify, or make lending or credit decisions.

Your Responsibilities

• Maintain required professional licensing and comply with applicable law
• Use the platform only for lawful business purposes
• Verify all outputs with independent professional judgment before acting
• Protect account credentials and keep billing information accurate

Subscriptions

Paid access is sold as month-to-month subscriptions for Solo, Momentum, Team Pro, and Branch plans. Fees are charged through Stripe. Dashboard product access unlocks after verified payment. Cancel anytime according to your billing settings; you remain responsible for charges incurred before cancellation takes effect.

No Guarantees of Outcomes

RiskSculptor provides workflow intelligence and documentation support. It does not guarantee approvals, closings, commissions, rates, or any investor or underwriting outcome. Final credit and underwriting decisions remain with the applicable lender, investor, AUS provider, and underwriting authority.

Contact

Questions: support@risksculptor.com

Full terms archive also available at /legal/terms.