Terms of Service

Terms of Service

Effective Date: June 1, 2026

Last Updated: September 6, 2026

These Terms of Service govern your access to and use of the Lendlytics platform, including The Desk, Murphy's narrative generation engine, and all associated features and services (collectively, the "Service"). By creating an account or using the Service, you agree to be bound by these terms. Please read them carefully.

Lendlytics LLC ("Lendlytics", "we", "us", or "our") is a Nevada limited liability company. If you are using the Service on behalf of a dealership or organization, you represent that you have the authority to bind that entity to these terms.

1. Acceptance of Terms

By accessing or using the Lendlytics Service, you confirm that you are at least 18 years of age, have the legal authority to enter into this agreement, and agree to comply with these Terms of Service and all applicable laws and regulations.

If you do not agree to these terms, you may not access or use the Service. Lendlytics reserves the right to update or modify these terms at any time. Continued use of the Service after any such changes constitutes your acceptance of the revised terms. We will make reasonable efforts to notify subscribers of material changes via email or in-platform notification.

2. Description of Service

Lendlytics provides a browser-based software platform for automotive dealership finance professionals. The Service includes:

  • The Desk — a real-time deal analysis workspace for entering and evaluating automotive finance deal data
  • Live Analysis HUD — real-time calculation of deal metrics including LTV, DTI, and PTI
  • Deal Score — a composite deal rating based on calculated metrics
  • The Fix — a restructure calculator for deals that require adjustment
  • Murphy — an AI-powered narrative generation engine that produces credit submission narratives based on deal data
  • Best Fit Lender — a lender routing recommendation based on deal profile
  • Re-Hash Toolkit — pre-written post-decision negotiation arguments for rate buy-down, term extension, advance increase, and dealer flat requests

The Service is a decision-support tool designed to assist automotive finance professionals in preparing credit submission narratives. It does not originate loans, submit deals to lenders, integrate with dealer management systems, or make credit decisions. All final credit decisions rest with the applicable lender.

3. Account Registration

To access the Service, you must create an account by providing your name, email address, and a password. You agree to:

  • Provide accurate and complete information during registration
  • Maintain the security of your account credentials
  • Notify Lendlytics immediately of any unauthorized access to your account
  • Accept responsibility for all activity that occurs under your account

Lendlytics reserves the right to suspend or terminate accounts that provide false information, violate these terms, or engage in activity that harms the Service or other users.

4. Subscriptions and Billing

4.1 Subscription Tiers

Lendlytics offers three subscription tiers — Starter, Essential, and Pro — each with a defined monthly deal limit. All tiers include access to the full feature set of the Service. Current pricing and deal limits are displayed on the Pricing page at lendlytics.ai/pricing and are subject to change with reasonable advance notice to subscribers.

4.2 Billing Cycle

Subscriptions are billed monthly on the anniversary of your signup date. Payment is processed through our third-party payment processor. By subscribing, you authorize Lendlytics to charge your payment method on a recurring monthly basis until you cancel.

4.3 Founders Pricing

Subscribers who join during the Lendlytics launch period (through April 2027) are eligible for Founders pricing by entering the promotion code FOUNDER at checkout. Founders pricing is a discount on the standard subscription price, applied for the first 12 monthly billing periods of the subscription. After 12 months, subscriptions automatically roll to the then-current standard rate. The discount does not restart when a subscriber changes plans, and only one promotion code may be applied per subscription. Founders pricing does not create a minimum term or commitment: subscriptions remain month to month and may be cancelled at any time. Lendlytics will provide at least 30 days advance notice before any Founders pricing period expires.

4.4 Affiliate and Referral Pricing

Subscribers who enter a valid affiliate referral code at checkout are eligible for the affiliate discount (25% off the standard price) for their first 12 monthly billing periods. Affiliate codes cannot be combined with the Founders code. Affiliate pricing terms are governed by the referral code applied at signup and the affiliate partner's agreement with Lendlytics.

4.5 Deal Limits and Overages

Each subscription tier includes a monthly deal limit that resets at the start of each billing cycle. When the monthly limit is reached, narrative generation is paused until the next billing cycle or until the subscriber upgrades to a higher tier. Unused deals do not carry over between billing cycles.

4.6 Cancellation

You may cancel your subscription at any time from your Account page. Cancellation takes effect at the end of the current billing period. You will not be charged for subsequent billing cycles after cancellation. No refunds are issued for partial months or unused deal capacity.

4.7 Price Changes

Lendlytics reserves the right to change subscription pricing with at least 30 days advance notice to affected subscribers. Continued use of the Service after a price change takes effect constitutes acceptance of the new pricing.

5. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these terms. You agree not to:

  • Use the Service to process deals for lenders or transactions that violate applicable law
  • Attempt to reverse engineer, decompile, or extract the underlying logic, algorithms, or prompt structures of Murphy or any other component of the Service
  • Share, resell, or sublicense access to the Service to third parties without Lendlytics' written consent
  • Use automated means to access or scrape the Service
  • Submit false, fabricated, or misleading deal data into The Desk
  • Attempt to circumvent subscription limits or access controls
  • Use the Service in any manner that could damage, disable, or impair the platform or interfere with other users' access

Lendlytics reserves the right to suspend or terminate access for any violation of these acceptable use provisions.

6. Data and Privacy

6.1 Deal Data

Deal data entered into The Desk is not stored in Lendlytics' systems. It is processed in real time within your browser session and, when you click Generate, transmitted to our AI processing partner for narrative generation. Our AI provider's commercial API policy prohibits the use of transmitted data for model training and provides for automatic deletion within 7 days. No personally identifiable information is required to use The Desk and we strongly recommend that no PII be entered into the platform.

6.2 Account Data

Lendlytics maintains your account information — name, email, subscription status, and usage count — for the purpose of operating your subscription. This information is handled in accordance with our Privacy Policy available at lendlytics.ai/privacy.

6.3 Your Responsibilities

You are responsible for ensuring that your use of the Service complies with all applicable privacy laws, including but not limited to the Gramm-Leach-Bliley Act, as they apply to your dealership's operations. Lendlytics provides a decision-support tool — the legal and compliance obligations of your dealership's lending activities remain yours.

6.4 No PII Recommendation

Lendlytics strongly recommends that users do not enter any personally identifiable information — including applicant names, social security numbers, dates of birth, addresses, or other consumer identifying data — into The Desk. The Service is designed to function without PII and does not include fields for such information.

7. Intellectual Property

7.1 Lendlytics IP

All components of the Service — including but not limited to The Desk, the Deal Score methodology, The Fix calculation engine, Murphy's narrative logic and prompt architecture, the Best Fit Lender framework, the Lendlytics brand, and all associated software — are the exclusive intellectual property of Lendlytics LLC. These are protected by applicable copyright, trade secret, and intellectual property laws.

Nothing in these terms grants you any ownership interest in the Service or its underlying components. Your subscription provides a limited, non-exclusive, non-transferable license to access and use the Service for your dealership's internal business purposes.

7.2 Murphy's Output

Narratives generated by Murphy are provided to you for use in your dealership's credit submission process. You may copy, paste, and submit these narratives as part of your standard deal submission workflow. You may not reproduce, resell, or distribute Murphy's output as a standalone product or service.

7.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant Lendlytics the right to use that feedback without restriction or compensation.

8. Disclaimers and Limitations of Liability

8.1 No Guarantee of Approval

Murphy's narratives are decision-support tools designed to assist in the preparation of credit submissions. Lendlytics makes no representation, warranty, or guarantee that the use of the Service will result in loan approvals, lender acceptances, or any particular credit outcome. All credit decisions are made by lenders at their sole discretion.

8.2 Service Provided As-Is

The Service is provided on an 'as is' and 'as available' basis without warranties of any kind, either express or implied. Lendlytics does not warrant that the Service will be uninterrupted, error-free, or free from technical issues.

8.3 Limitation of Liability

To the maximum extent permitted by applicable law, Lendlytics LLC and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service — including but not limited to lost profits, lost deals, or business interruption — even if Lendlytics has been advised of the possibility of such damages.

Lendlytics' total liability to you for any claim arising from these terms or your use of the Service shall not exceed the total amount you paid to Lendlytics in the three months preceding the claim.

8.4 Indemnification

You agree to indemnify and hold harmless Lendlytics LLC and its officers, employees, and agents from any claims, damages, or expenses — including reasonable attorneys' fees — arising from your use of the Service, your violation of these terms, or your violation of any third party's rights.

9. Partner and Affiliate Program

Participation in the Lendlytics Partner Program is subject to separate partner agreement terms provided upon approval of a partner application. The following general provisions apply:

  • Partner applications are subject to review and approval at Lendlytics' sole discretion
  • Approved partners receive a unique referral code and are eligible for commission payments as described in their partner agreement
  • Commission payouts are structured as 100% of the referred subscriber's first month subscription fee, paid in two equal installments — 50% after the first payment clears and 50% after the second payment clears — as described in the partner agreement
  • Lendlytics reserves the right to modify commission structures with reasonable advance notice to active partners
  • Partner status may be revoked for violation of these terms or the partner agreement
  • Referral commissions are only payable on qualifying subscriptions that remain active through the applicable payout period

10. Termination

Either party may terminate the subscription relationship at any time. You may cancel via your Account page. Lendlytics may suspend or terminate your access immediately and without notice for:

  • Violation of these terms
  • Non-payment of subscription fees
  • Activity that harms the Service or other users
  • Any conduct Lendlytics reasonably determines to be inappropriate or unlawful

Upon termination, your right to access the Service ceases immediately. Account data will be retained for a reasonable period to resolve any outstanding billing matters and then deleted in accordance with our data retention practices.

11. Governing Law and Disputes

These terms are governed by the laws of the State of Nevada without regard to its conflict of law provisions. Any dispute arising from these terms or your use of the Service shall be resolved through binding arbitration in Clark County, Nevada, in accordance with the rules of the American Arbitration Association — except that either party may seek injunctive relief in a court of competent jurisdiction to protect intellectual property rights.

You agree to resolve any disputes with Lendlytics on an individual basis and waive any right to participate in class action proceedings.

12. Miscellaneous

12.1 Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Lendlytics with respect to the Service and supersede all prior agreements and understandings.

12.2 Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

12.3 Waiver

Lendlytics' failure to enforce any provision of these terms shall not constitute a waiver of that provision or any other provision.

12.4 Assignment

You may not assign your rights or obligations under these terms without Lendlytics' prior written consent. Lendlytics may assign its rights and obligations without restriction.

12.5 Contact

For questions about these Terms of Service, contact Lendlytics at: Lendlytics LLC 930 S 4th St, Ste 209 Las Vegas, NV 89101 support@lendlytics.ai

These Terms of Service were last updated June 1, 2026. Lendlytics recommends that subscribers seeking legal guidance consult qualified legal counsel regarding their specific compliance obligations.