Legal
Terms of Use
Effective May 19, 2026 — RepayIQ, Inc.
1. Acceptance of Terms
These Website Terms of Use govern access to and use of the RepayIQ website, including pages located at or linked from repayiq.ai, marketing pages, product descriptions, pricing pages, forms, resources, and related online content. By accessing the website, you agree to these terms. If you do not agree, do not use the website.
2. About RepayIQ
RepayIQ provides technology services that help business customers request applicant financial verification and receive decision-support reports. RepayIQ may analyze applicant-authorized financial data, including income, transactions, recurring obligations, liquidity patterns, payment reliability indicators, and risk factors. RepayIQ does not make final approval, denial, lending, leasing, financing, tenant-screening, employment, or housing decisions.
3. Informational Content Only
Website content is provided for general informational purposes and does not constitute legal, financial, tax, credit, underwriting, compliance, or professional advice. Customers and applicants should consult appropriate advisors.
4. Eligibility and Account Access
Some services require a business account, separate acceptance of Business Customer Terms, and successful onboarding. RepayIQ may refuse or suspend access when it believes use may be unlawful, unsafe, abusive, fraudulent, or inconsistent with these terms.
5. Intellectual Property
The website, trademarks, product names, text, graphics, logos, user interface, report templates, scoring concepts, and other content are owned by RepayIQ or its licensors. You may not copy, modify, distribute, reverse engineer, scrape, frame, or create derivative works except as expressly permitted.
6. Prohibited Conduct
You may not use the website for unlawful, misleading, fraudulent, abusive, or discriminatory purposes; attempt to access systems, accounts, reports, applicant data, or APIs without authorization; introduce malware, scrape data, overload systems, probe vulnerabilities, or bypass security controls; or misrepresent your affiliation with RepayIQ or use website content in a way that implies endorsement.
7. Third-Party Services and Links
The website may reference or link to third-party services, including financial data providers, cloud infrastructure providers, messaging providers, payment processors, or customer tools. RepayIQ is not responsible for third-party websites or services except as expressly stated in a separate agreement.
8. Privacy
Use of personal information is described in the RepayIQ Privacy Policy. The Website Terms do not replace the Applicant Consent and Authorization or any Business Customer Terms that apply to paid services.
9. Disclaimers
The website and content are provided "as is" and "as available." RepayIQ does not warrant that the website will be uninterrupted, error-free, secure, or free of harmful components, or that website content is complete or current.
10. Limitation of Liability
To the maximum extent permitted by law, RepayIQ will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenues, data, goodwill, or business opportunities arising from use of the website.
11. Changes to Terms
RepayIQ may update these Website Terms from time to time. Updates will be posted on the website with a revised effective date. Continued use after changes become effective constitutes acceptance.
12. Governing Law and Disputes
These terms are governed by applicable law. Questions about dispute resolution, arbitration, or venue should be directed to legal@repayiq.ai.
13. Contact
Questions about these Website Terms may be sent to legal@repayiq.ai.