Terms of Service

By accessing or using downpayment.ai (the “Service”), you agree to these Terms of Service. If you do not agree, do not use the Service.

The Service is a free educational tool that helps prospective home buyers discover publicly available down payment assistance (“DPA”) programs that may apply to their situation, and optionally connect with an independently licensed mortgage professional.

downpayment.ai is not a lender, broker, or mortgage originator. Nothing on the Service is a loan offer, commitment to lend, pre-approval, or guarantee of eligibility. Program information is provided for educational purposes only. Actual eligibility for any program is determined by a licensed lender, and all programs are subject to availability, income verification, and lender approval.

Information provided by the Service — including AI-generated responses — is not financial, legal, tax, or investment advice. You should consult a licensed professional before making financial decisions.

You are interacting with an AI assistant, not a licensed loan officer. The AI may make mistakes or be out of date. The AI is prohibited from quoting specific interest rates, APR, points, or fees, and from stating or implying that you qualify for any program. Always verify information with a licensed professional.

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service. You agree to provide accurate information and not to impersonate another person.

Do not enter Social Security Numbers, dates of birth, full bank account numbers, full credit card numbers, or any other sensitive identifiers. The Service does not need this information and will not request it.

If you opt in, your conversation profile and contact details will be shared with a licensed loan officer in your state. Loan officers are independent third parties; downpayment.ai is not responsible for their conduct, advice, products, pricing, or services. Your relationship with any loan officer is solely between you and them.

The Service is operated in compliance with the federal Fair Housing Act and equivalent state laws. We do not discriminate based on race, color, national origin, religion, sex, disability, or familial status, and we do not collect or use such information for matching.

You agree not to:

• Use the Service for any unlawful purpose;
• Attempt to reverse-engineer, scrape, or overload the Service;
• Submit false, misleading, or another person’s information;
• Use the Service to transmit spam or harmful content.

The Service, including its content, branding, and software, is owned by downpayment.ai and its licensors and is protected by applicable intellectual property laws. You receive a limited, revocable, non-exclusive license to use the Service for personal, non-commercial purposes.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT PROGRAM INFORMATION WILL BE COMPLETE OR CURRENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, DOWNPAYMENT.AI AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

You agree to defend, indemnify, and hold harmless downpayment.ai from any claims, damages, or expenses (including reasonable attorneys’ fees) arising out of your use of the Service or your violation of these Terms.

We may modify or discontinue the Service at any time. We may also update these Terms; material changes will be reflected by updating the “Last updated” date above. Your continued use after changes become effective constitutes acceptance.

These Terms are governed by the laws of the State of Washington, USA, without regard to its conflict-of-laws principles. Any dispute will be resolved in the state or federal courts located in King County, Washington.

Questions about these Terms? Email hello@downpayment.ai.