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Last updated: July 27, 2026

Terms of Service

Please read these Terms of Service carefully before using Our Service.

Interpretation and Definitions

Interpretation

Words with an initial capital letter have meanings defined under the following conditions. The following definitions have the same meaning whether they appear in singular or plural.

Definitions

For the purposes of these Terms of Service:

Account
means a unique account created for You to access the Service or parts of the Service.
Affiliate
means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
Broker Engagement
means the separate written broker agreement or engagement for mortgage brokerage services that You enter into with the Company. The Broker Engagement — not these Terms — governs the Company's Brokerage Services.
Brokerage Services
means the Company's business-purpose mortgage brokerage services, which are provided only under a Broker Engagement and are separate from the Service.
Company
(referred to as "the Company," "We," "Us," or "Our") refers to SUPERABUNDANT LLC, a Texas limited liability company doing business as Repletify™, 5830 Granite Pkwy #100-583, Plano, TX 75024.
Device
means any device that can access the Service, such as a computer, cellphone, or tablet.
Feedback
means comments, suggestions, feature requests, or ideas You send regarding the attributes, performance, or features of the Service.
Privacy Policy
means the Company's Privacy Policy.
Review
means any rating, review, testimonial, comment, or recommendation about the Company or the Service that You submit or make public.
Service
means, collectively, the Company's website at https://www.repletify.com, its web application and portal at https://app.repletify.com, and its desktop and mobile applications, together with any other digital property through which You access or interface with the Company. The Service is provided primarily for general informational purposes and is free to use, though some features may require registration. The Service is separate from the Brokerage Services.
Terms of Service
(also referred to as "Terms") mean these Terms of Service that form the entire agreement between You and the Company regarding the use of the Service.
You
means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service.

(Note: These Terms govern the Service — the digital interface. They do not govern the Brokerage Services, which are separate and governed by the Broker Engagement. Simply visiting the Service, creating an Account, or signing up for updates does not create a brokerage relationship.)

Acknowledgment

These are the Terms of Service governing the use of this Service and the agreement that operates between You and the Company. These Terms set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service. By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms, then You may not access the Service.

You represent that You are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Company's Privacy Policy, which describes how We collect, use, and disclose Your information when You use the Service. Please read the Privacy Policy carefully before using the Service.

Not a Lending Commitment; Mortgage Broker, Not a Lender

The Service provides general information about the Company and its Brokerage Services. Content on the Service is for general informational purposes only and is not a commitment to lend, an offer of credit, or accounting, tax, or legal advice.

The Company is a mortgage broker, not a lender. The Company does not make, fund, or commit to any loan, and does not make credit decisions. The Company arranges business-purpose mortgage financing (non-owner-occupied 1–4 unit investment property, business-entity borrowers) between borrowers and independent third-party lenders. All approvals, rates, terms, and funding are determined solely by the applicable lender, subject to that lender's underwriting and guidelines. Nothing on the Service guarantees loan approval or any particular rate or term.

The Company is not owned by, and owes no preference to, any lender. Use of the Service, or contacting the Company through the Service, does not create a broker-client relationship. A broker-client relationship is established only upon execution of a written Broker Engagement and acceptance by the Company.

Relationship to Other Agreements; Order of Precedence

You may be subject to several separate agreements with the Company: these Terms, the Privacy Policy, and, if You engage the Company, a Broker Engagement.

These Terms and the Privacy Policy govern Your use of the Service. To the extent any conflict arises regarding the Brokerage Services, the Broker Engagement controls over these Terms. Nothing in these Terms modifies, limits, or supersedes the Broker Engagement or any rights You have under applicable law.

User Accounts

When You create an Account with Us, You must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of these Terms, which may result in immediate termination of Your Account.

We use Your email address to identify Your Account and to send one-time passcodes for sign-in. You are responsible for maintaining the security of the email account associated with Your Account and for keeping any one-time passcodes confidential. You agree not to share Your one-time passcodes with anyone. You are responsible for any activities taken under Your Account, and You must notify Us immediately upon becoming aware of any unauthorized access.

Intellectual Property

The Service and its original content (excluding content provided by You or other users), features, and functionality are and will remain the exclusive property of the Company and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

Your Feedback and Reviews

Feedback. If You send Us Feedback (such as a feature request or idea about the Service), You assign all rights, title, and interest in that Feedback to the Company. If for any reason such assignment is ineffective, You grant the Company a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, disclose, sub-license, distribute, modify, and exploit such Feedback without restriction. You will not be entitled to any compensation for Feedback, and You agree not to bring any claim against the Company arising from Our use of Feedback You provide.

Reviews. If You submit a Review (a rating, review, testimonial, comment, or recommendation) about the Company or the Service, You grant the Company a non-exclusive, worldwide, royalty-free license to use, reproduce, and display that Review — including in the Company's marketing and advertising. Where a Review identifies You by name, title, or organization, the Company will use that attribution only with Your permission, and You represent that You have the authority to permit such attribution on behalf of any organization You reference.

Termination

We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason or no reason, including without limitation if You breach these Terms. Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service.

Termination of Your access to the Service does not affect any ongoing Broker Engagement, which is governed by its own terms.

Limitation of Liability

THE LIMITATIONS IN THIS SECTION APPLY TO YOUR USE OF THE SERVICE ONLY. NOTHING IN THESE TERMS LIMITS, WAIVES, OR DISCLAIMS THE COMPANY'S OBLIGATIONS UNDER ANY BROKER ENGAGEMENT, OR ANY LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW.

SUBJECT TO THE FOREGOING, AND NOTWITHSTANDING ANY DAMAGES THAT YOU MIGHT INCUR, THE ENTIRE LIABILITY OF THE COMPANY AND ANY OF ITS SUPPLIERS UNDER ANY PROVISION OF THESE TERMS RELATING TO YOUR USE OF THE SERVICE, AND YOUR EXCLUSIVE REMEDY FOR ALL OF THE FOREGOING, SHALL BE LIMITED TO THE LESSER OF (A) THE TOTAL COMPENSATION ACTUALLY RECEIVED BY THE COMPANY FROM YOU IN THE THREE (3) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) TWO HUNDRED U.S. DOLLARS ($200). THIS LIMITATION DOES NOT APPLY TO ANY LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY OR ITS SUPPLIERS BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER (INCLUDING DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA OR OTHER INFORMATION, BUSINESS INTERRUPTION, OR LOSS OF PRIVACY) ARISING OUT OF OR IN ANY WAY RELATED TO THE USE OF OR INABILITY TO USE THE SERVICE, EVEN IF THE COMPANY OR ANY SUPPLIER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF THE REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

SOME STATES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, WHICH MEANS THAT SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY. IN THESE STATES, EACH PARTY'S LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

"As Is" and "As Available" Disclaimer

THE SERVICE IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE" AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANY OF THE COMPANY'S PROVIDERS MAKES ANY REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED: (I) AS TO THE OPERATION OR AVAILABILITY OF THE SERVICE, OR THE INFORMATION, CONTENT, AND MATERIALS INCLUDED ON IT; (II) THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE; (III) AS TO THE ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR CONTENT PROVIDED THROUGH THE SERVICE; OR (IV) THAT THE SERVICE, ITS SERVERS, THE CONTENT, OR EMAILS SENT FROM OR ON BEHALF OF THE COMPANY ARE FREE OF VIRUSES, SCRIPTS, TROJAN HORSES, WORMS, MALWARE, OR OTHER HARMFUL COMPONENTS. THE COMPANY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OR ALL OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH A CASE, THE EXCLUSIONS IN THIS SECTION SHALL BE APPLIED TO THE GREATEST EXTENT ENFORCEABLE UNDER APPLICABLE LAW.

General Disclaimers

(These general disclaimers were consolidated into these Terms from a separate Disclaimer document, per attorney guidance.)

Information only. The information on the Service is for general information purposes only, and the Company assumes no responsibility for errors or omissions in its contents. THE SERVICE DOES NOT PROVIDE ACCOUNTING, TAX, OR LEGAL ADVICE. Nothing on the Service is a recommendation to enter into any particular transaction. You should consult Your own accounting, tax, legal, and other advisers, and You are solely responsible for evaluating the merits and risks of any real estate or financing decision.

Referrals to other professionals. From time to time, We may suggest or provide information about other professionals or services — such as attorneys, title companies, insurance providers, appraisers, or contractors. Any such suggestion is for Your convenience and information only and is not an endorsement, guarantee, or warranty. These professionals are independent third parties; they are not employees, agents, or partners of the Company, and We do not control or assume responsibility for their advice, products, or services. You are free to choose any professional You wish and are responsible for evaluating them. We are not liable for any act, omission, or outcome arising from services provided by a third party You choose.

Views expressed. The Service may contain views and opinions that are those of the authors and do not necessarily reflect the official policy or position of any other author, agency, organization, or company, including the Company.

Fair lending. The Company is committed to fair lending. Consistent with the Equal Credit Opportunity Act and the Fair Housing Act, the Company does not discriminate on any prohibited basis. The Company does not make credit decisions; lenders do.

Links to Other Websites

The Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. The Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with the use of or reliance on any such content, goods, or services. We advise You to read the terms and privacy policies of any third-party websites You visit.

Governing Law and Venue

These Terms of Service are governed by the laws of the State of Texas, without regard to its conflicts-of-law principles. Venue for any action shall be in Collin County, Texas, where the Company's office is located. How disputes are resolved is described in "How We Handle Disputes" below.

How We Handle Disputes

PLEASE READ THIS SECTION CAREFULLY. IT EXPLAINS HOW DISPUTES ARE RESOLVED AND INCLUDES A WAIVER OF CLASS ACTIONS. It applies to Us the same way it applies to You.

1. Let's talk first (informal resolution)

If You have a concern, please contact Us at compliance@repletify.com before starting any formal proceeding. State specifically what Your concern is, provide Your contact information and details, and — if it involves a page of the Service — the device, browser, and system You used. We will work with You in good faith to try to resolve the issue.

If You do not hear back from Us, or receive acknowledgment of Your message, within five (5) business days, please contact Us again or call (469) 649-1999 — in case Your message was filtered or did not reach Us.

2. Binding arbitration

If a dispute is not resolved within thirty (30) days of Your contacting Us, You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or Your use of the Service will be resolved by final and binding arbitration rather than in court, except as stated in "Exceptions" below.

3. Costs

This arbitration obligation is mutual — it binds You and the Company equally. Payment of filing and arbitrator fees is governed by the applicable arbitration rules. Each party is responsible for its own attorneys' fees.

4. Individual claims only (class-action waiver)

You and the Company agree not to bring or participate in any class, collective, consolidated, or representative action arising out of the Service.

5. Exceptions (what stays in court)

Either party may go to court only to (a) seek an injunction or other equitable (non-monetary) relief — for example, to address impending harm, infringement, or misuse of intellectual property or confidential information — or (b) enforce a final arbitration award. Any claim for damages is left to arbitration. These court actions may be brought in the state or federal courts located inCollin County, Texas, and the parties consent to the jurisdiction and venue of those courts for those purposes.

United States Legal Compliance

This Service is not designed for, or directed to, any individual, entity, representative of an entity, organization, or country that is on the sanctions list prepared by the Office of Foreign Assets Control (OFAC), U.S. Department of the Treasury.

Severability and Waiver

Severability. If any provision of these Terms is held to be unenforceable or invalid, that provision will be changed and interpreted to accomplish its objectives to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Waiver. Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms may have been translated if We have made them available to You on the Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms

We may modify these Terms at any time at Our sole discretion. When We do, We will update the "Last updated" date at the top of these Terms, and the changes are effective when posted. It is Your responsibility to periodically check these Terms for updates. By continuing to access or use the Service after changes are posted, You agree to be bound by the revised Terms. If You do not agree, please stop using the Service.

Contact Us

If You have any questions about these Terms of Service, You can contact Us: