Last updated: July 9, 2026

These Terms of Service (the “Terms”) govern use of PulseClose — the website at pulseclose.com and the application at app.pulseclose.com — operated by Wade Group LLC (“PulseClose,” “we,” “us”). By creating an account or using the service, you agree to these Terms on behalf of yourself and the organization you represent (“Customer,” “you”).

1. What the service is — and is not

PulseClose is decision-support software for professional lenders. It runs borrower validation against third-party and public-record sources, computes deterministic loan sizing and risk factors, and generates reports, narratives, and document drafts.

PulseClose is not financial, legal, investment, or credit advice, and it does not make lending decisions. Every credit decision is yours. PulseClose is not a consumer reporting agency and its outputs are not consumer reports.

2. All outputs are drafts requiring your review

Every output of the service — validation reports, risk tiers, sized loan amounts, AI narratives, investor analyses, and rate-offer letters — is a draft prepared for your independent professional review. Rate-offer letters are labeled DRAFT and must be reviewed and approved by you before being sent to any borrower. You are solely responsible for any use of service outputs in your lending business.

3. Third-party data; no warranty of accuracy

The service retrieves data from third-party providers and public records (Secretary of State registries, property and deed records, court dockets, licensing boards, sanctions lists) on a best-effort basis. These sources can be incomplete, delayed, or wrong, and name-based matching can produce false positives and false negatives. We do not warrant the accuracy, completeness, or timeliness of any data returned by the service, and you must independently verify material facts before relying on them.

4. AI-generated content

Some features use large language models to generate narrative analysis. AI-generated content is explanatory only: it narrates results produced by deterministic rules and does not set loan amounts, risk tiers, or eligibility. AI narratives may contain errors and are subject to the same independent-review obligation as all other outputs.

5. Accounts and acceptable use

You are responsible for your account credentials and for all activity under your organization’s account. You may submit data about borrowers and deals only where you have a lawful basis to do so. You may not use the service to make decisions governed by the Fair Credit Reporting Act, resell or scrape the service, probe its security, or use it to build a competing product.

6. Subscriptions, trials, and billing

• Subscriptions are billed monthly via Stripe at the plan prices published on our pricing page.
• New accounts receive a 14-day free trial with full access. A payment card is required at checkout, and the trial converts automatically to a paid subscription unless you cancel before it ends.
• You can cancel anytime; cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable except where required by law.

7. Usage limits and fair use

Each plan includes a monthly validation allowance. We may throttle or suspend usage that exceeds plan limits, is automated in a way the plan does not contemplate, or degrades the service for other customers. We will attempt to contact you before suspending an account for abusive usage.

8. Your data; our platform

As between the parties, Customer owns the data it submits to the service and the reports generated from it for Customer’s business use. PulseClose (Wade Group LLC) owns the platform — the software, models, scoring methodologies, templates, and all related intellectual property. You grant us a limited license to process your data solely to provide the service. Our handling of personal information is described in the Privacy Policy.

9. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING, INCLUDING ANY WARRANTY THAT DATA OR OUTPUTS WILL BE ACCURATE, COMPLETE, OR ERROR-FREE.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR LOST DATA. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE IS CAPPED AT THE FEES YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. FOR CLARITY, WE ARE NOT LIABLE FOR ANY LENDING DECISION YOU MAKE, INCLUDING ONE INFORMED BY SERVICE OUTPUTS.

11. Indemnification

You will defend and indemnify PulseClose against third-party claims arising from (a) your lending decisions and borrower relationships, (b) data you submit without a lawful basis, or (c) your use of the service in violation of these Terms or applicable law. We will defend and indemnify you against third-party claims that the service, as provided by us, infringes their intellectual-property rights.

12. Termination

You may stop using the service and cancel at any time. We may suspend or terminate the service for material breach of these Terms (including non-payment or abusive usage) after notice where practicable. Upon termination, your right to use the service ends; Sections 8–13 survive. Data deletion after closure is handled as described in the Privacy Policy.

13. Governing law and general terms

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules, and disputes will be resolved in the state or federal courts located in California. These Terms are the entire agreement regarding the service and supersede prior discussions. If a provision is unenforceable, the rest remains in effect. We may update these Terms; material changes will be posted on this page with an updated date, and continued use after the effective date constitutes acceptance.

Contact

Questions about these Terms: hello@pulseclose.com.