Terms

Effective October 23, 2026

Use of Apex

Apex is provided to authorized operators for loan-officer workflow support. Operators are responsible for using Apex only for lawful business purposes and only with accounts and data they are authorized to access.

Approval gates

Apex may draft communications, summarize context, or prepare suggested actions. Operators must review and approve borrower-facing communications, regulated representations, and business decisions before they are sent or relied on.

No replacement for licensed judgment

Apex does not replace licensed loan-officer judgment, compliance review, underwriting requirements, investor guidelines, or professional obligations. Operators remain responsible for final decisions and communications.

Beta product

Apex is currently available to selected design partners and may change frequently. Features may be incomplete, interrupted, or adjusted as the product improves.

Connector access

Operators may connect services such as Google Workspace or Gmail. Apex uses those connections only to provide requested workflow functionality and may be disconnected at any time by the operator or administrator.

Apex text messages

Always Invert sends Apex text messages to people who use Apex (loan officers and Always Invert staff): replies in conversations they start, notices about their work in Apex (a lead replied, a quote is ready), and delivery checks. Message frequency varies. Message and data rates may apply. Reply STOP to stop receiving texts and HELP for help, or contact george@always-invert.com. Carriers are not liable for delayed or undelivered messages.

Contact

For questions about these terms, contact george@always-invert.com.