MLOconnect
Terms of Service
A Platform Operated by KTD Studios & Productions LLC
Effective Date: August 1, 2026
Please read these Terms of Service (“Terms”) carefully before accessing or using the MLOconnect platform, website located at www.mloconnect.info, or any related services (collectively, the “Platform”) operated by KTD Studios & Productions LLC (“Company,” “we,” “us,” or “our”). By accessing or using the Platform in any way, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Platform.
1. ACCEPTANCE OF TERMS
By creating an account, purchasing lead credits, accessing any feature of the Platform, or otherwise using any service provided by MLOconnect, you represent that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, and others who access or use the Platform, including but not limited to licensed Mortgage Loan Officers (“MLOs”), Lead Generators, Sales Representatives, and any other registered users.
2. DESCRIPTION OF SERVICES
MLOconnect is a technology platform that provides licensed mortgage professionals with access to a lead management system, CRM pipeline tools, and a credit-based lead marketplace. The Platform facilitates the organization, storage, and distribution of mortgage borrower leads to licensed MLOs who have registered on the Platform and purchased lead credits.
The Platform includes but is not limited to:
• A credit-based lead marketplace where MLOs purchase credit packs to unlock borrower leads.
• A pipeline management and CRM dashboard for tracking mortgage leads and borrower interactions.
• A Lead Generator portal for authorized third parties to submit borrower leads.
• Integration tools including communication features and workflow automation.
• RateLocker, a consumer-facing borrower intake application operated under the same company entity.
The Company reserves the right to modify, suspend, or discontinue any aspect of the Platform at any time without notice or liability.
3. ELIGIBILITY
The Platform is intended solely for licensed mortgage professionals and authorized business partners. By registering on the Platform, you represent and warrant that:
• You are at least 18 years of age.
• You are a licensed Mortgage Loan Officer in good standing in at least one U.S. state, or an authorized Lead Generator or Sales Representative operating under a valid agreement with KTD Studios & Productions LLC.
• You have the legal authority to enter into these Terms.
• Your use of the Platform complies with all applicable federal and state laws and regulations.
• All information you provide during registration is accurate, current, and complete.
The Company reserves the right to verify your licensing status at any time and to suspend or terminate your account if you are found to be unlicensed, inactive, or in violation of any applicable licensing requirement.
4. LEAD CREDITS
4.1 Credit Purchases
The Platform operates on a credit-based system. Users may purchase lead credits in designated packs as displayed on the Platform. Credits are used to unlock and access borrower leads within the Platform's lead marketplace. Current credit pack options and pricing are displayed at www.mloconnect.info/credits and are subject to change at the Company's discretion.
4.2 No Cash Value
Lead credits have no cash value and cannot be redeemed for cash, transferred to another account, sold, bartered, or exchanged for any consideration outside of the Platform's lead marketplace. Credits are non-transferable and may only be used by the registered account holder.
4.3 No Expiration
Lead credits do not expire and remain available in your account indefinitely, provided your account remains in good standing and has not been suspended or terminated for violation of these Terms or any applicable agreement. The Company reserves the right to forfeit credits in accounts that are terminated for cause.
4.4 All Purchases Are Final — No Refunds
ALL CREDIT PURCHASES ARE FINAL AND NON-REFUNDABLE. By completing a credit purchase, you expressly acknowledge and agree that:
• All sales of lead credits are final at the time of purchase.
• Credits have no cash value and are not eligible for return, exchange, or refund under any circumstances.
• The Company does not issue refunds for unused credits, partially used credit packs, or credits remaining in a suspended or terminated account.
• Chargebacks or payment disputes filed against legitimate credit purchases constitute a material breach of these Terms and may result in immediate account termination and permanent platform ban.
Disputes regarding credit delivery should be directed to MLOconnectsupport@gmail.com within five (5) business days of the purchase date.
4.5 Lead Tiers
The Platform offers multiple lead tiers at varying credit redemption costs. Lead tier pricing, quality classifications, and availability are determined solely by the Company and are subject to change. The Company makes no guarantee of lead exclusivity, contact rate, conversion rate, or loan closing outcome for any lead redeemed through the Platform.
5. PLATFORM USE AND CONDUCT
By using the Platform, you agree that you will not:
• Use the Platform for any unlawful purpose or in violation of any applicable federal or state law or regulation.
• Share your account credentials with any third party or allow unauthorized access to your account.
• Attempt to reverse engineer, decompile, or circumvent any security feature of the Platform.
• Submit false, fabricated, or misleading information through any Platform portal.
• Use leads obtained through the Platform in violation of the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, or any applicable telemarketing law.
• Contact borrowers in states where you do not hold an active mortgage license.
• Resell, redistribute, or transfer leads obtained through the Platform to any third party.
• Engage in any conduct that disrupts, damages, or impairs the functionality or integrity of the Platform.
Violation of any of the above may result in immediate account suspension or termination without refund of any remaining credits.
6. LICENSING AND COMPLIANCE RESPONSIBILITY
MLOconnect is a technology platform only. The Company is not a mortgage broker, mortgage lender, mortgage servicer, or licensed mortgage entity. The Company does not originate loans, provide rate quotes, offer financial advice, or engage in any activity requiring a mortgage license.
Each registered MLO is solely and exclusively responsible for:
• Maintaining an active and valid mortgage license in every state in which they contact or work with borrowers.
• Ensuring their sponsorship status remains current and compliant with applicable state and federal requirements.
• Complying with all applicable laws and regulations governing mortgage origination, consumer communications, and telemarketing.
• All communications, representations, and transactions with borrowers accessed through the Platform.
The Company assumes no liability for any regulatory violation, licensing deficiency, consumer complaint, or legal action arising from an MLO's conduct in connection with leads obtained through the Platform.
7. INTELLECTUAL PROPERTY
All content, features, functionality, branding, trademarks, logos, platform architecture, lead data, and technology associated with the MLOconnect and RateLocker platforms are the exclusive property of KTD Studios & Productions LLC. Nothing in these Terms grants you any ownership interest, license, or right to use any Company intellectual property beyond the limited right to access the Platform as a registered user in accordance with these Terms.
8. DATA AND PRIVACY
Your use of the Platform is also governed by our Privacy Policy, available at www.mloconnect.info/privacy-policy, which is incorporated into these Terms by reference. All lead data, borrower information, and platform data submitted to or generated through the Platform is the exclusive property of KTD Studios & Productions LLC. Users acquire no ownership rights to any data accessed through the Platform.
9. ACCOUNT SUSPENSION AND TERMINATION
The Company reserves the right to suspend or terminate any account at any time for any of the following reasons:
• Violation of these Terms or any applicable platform agreement.
• Fraudulent, deceptive, or abusive conduct.
• Filing a chargeback or payment dispute against a legitimate credit purchase.
• Loss or lapse of required mortgage licensing or sponsorship.
• Any conduct that undermines the integrity, reputation, or operation of the Platform.
Upon termination for cause, all remaining credits are forfeited without refund. The Company has no obligation to provide advance notice before suspending or terminating an account for cause.
10. DISCLAIMER OF WARRANTIES
THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. THE COMPANY MAKES NO WARRANTY THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, QUALITY, CONTACT RATE, OR CONVERSION POTENTIAL OF ANY LEAD AVAILABLE THROUGH THE PLATFORM. YOUR USE OF THE PLATFORM AND ANY LEADS OBTAINED THROUGH IT IS ENTIRELY AT YOUR OWN RISK.
11. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KTD STUDIOS & PRODUCTIONS LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST LEADS, OR FAILED LOAN CLOSINGS. THE COMPANY’S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU FOR CREDIT PURCHASES IN THE THREE (3) MONTHS PRECEDING THE CLAIM.
12. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless KTD Studios & Productions LLC and its officers, members, employees, and agents from and against any claims, liabilities, damages, penalties, fines, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Platform, your violation of these Terms, your violation of any applicable law or regulation, or your communications with or treatment of any borrower accessed through the Platform.
13. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law principles.
Any dispute arising out of or related to these Terms or your use of the Platform shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Maryland. Each party shall bear its own costs and attorneys’ fees unless the arbitrator determines otherwise. YOU WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION LAWSUIT WITH RESPECT TO ANY CLAIM ARISING UNDER THESE TERMS.
14. MODIFICATIONS TO TERMS
The Company reserves the right to modify these Terms at any time. Updated Terms will be posted at www.mloconnect.info with a revised effective date. Your continued use of the Platform following any modification constitutes your acceptance of the updated Terms. It is your responsibility to review these Terms periodically.
15. CONTACT INFORMATION
For questions, concerns, or disputes regarding these Terms or the Platform, contact us at:
KTD Studios & Productions LLC
Operating as: MLOconnect & RateLocker
Email: MLOconnectsupport@gmail.com
Website: www.mloconnect.info
Governing State: Maryland
MLOconnect Terms of Service | KTD Studios & Productions LLC | www.mloconnect.info