Last updated: July 2026
Welcome to LoanLucid. By accessing or using our website and services at loanlucid.com, you agree to be bound by these Terms of Service. Please read them carefully before using our platform.
LoanLucid is an AI-powered mortgage education platform designed to help homebuyers understand mortgage documents, estimate pre-qualification ranges, and get answers to general mortgage questions. LoanLucid is an educational tool only and does not provide licensed financial, legal, or mortgage advice.
The information and outputs provided by LoanLucid are for general educational purposes only. Nothing on LoanLucid constitutes:
Always consult with a licensed loan officer, financial advisor, or attorney before making mortgage or real estate decisions. Actual loan terms, rates, and eligibility are determined by lenders based on your complete financial profile.
You must be at least 18 years old to use LoanLucid. By using our service you represent that you meet this requirement and that the information you provide is accurate and complete.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account. We reserve the right to terminate accounts that violate these terms.
You agree not to:
45-Day Pass: A one-time payment that provides unlimited access for 45 days. The 45-day period begins on your first use of any tool after purchase, not on the date of purchase.
Monthly Plan: A recurring monthly subscription that renews automatically until cancelled. You may cancel at any time through your account settings or by contacting us.
Refund Policy: Due to the digital nature of our service, all sales are final. If you experience a technical issue that prevents you from using the service, please contact us at support@loanlucid.com and we will work to resolve it promptly.
Payments are processed securely by Stripe. By making a purchase you agree to Stripe's Terms of Service.
New users receive 3 free uses across all tools. Free trial uses are non-transferable and cannot be carried over or refunded.
All content, design, code, and features of LoanLucid are owned by LoanLucid and protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our express written permission.
LoanLucid is provided "as is" without warranties of any kind, express or implied. We do not warrant that our service will be uninterrupted, error-free, or completely accurate. AI-generated responses may contain errors and should always be verified with a qualified professional.
To the fullest extent permitted by law, LoanLucid shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our service, including but not limited to financial losses resulting from reliance on our tools or outputs.
Your use of LoanLucid is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
We reserve the right to modify these Terms at any time. We will notify users of material changes by posting a notice on our website. Your continued use of LoanLucid after changes are posted constitutes acceptance of the updated Terms.
LoanLucid serves customers nationwide across all 50 states. However, these Terms shall be governed by the laws of the State of Florida, without regard to its conflict of law provisions, as that is where LoanLucid is based. Any disputes arising from these Terms shall be resolved in the courts of Florida.
If you have questions about these Terms of Service, please contact us at: