Terms of Service

Mainline provides a software-as-a-service platform used by Merchant Cash Advance brokers, lenders, and similar commercial-finance originators to manage outbound calling, leads, applications, documents, bank-data verification, and submissions to funding partners.

Mainline is a technology platform and is not a lender, broker, financial advisor, or fiduciary. Mainline does not originate loans, make credit decisions, approve advances, or guarantee any outcome. All funding decisions, customer relationships, contracts, and economic obligations are between you and your customers, lenders, and funding partners.

You must be at least 18 years old and legally able to enter into a contract to use the Service. By creating an account you confirm that (a) the information you provide is accurate and complete, (b) you are using the Service for legitimate business purposes, and (c) you and your authorized users will keep credentials confidential.

You are responsible for all activity under your account, including actions taken by your team members and any automated processes you configure. Notify us immediately at security@mainline-op.com if you suspect unauthorized access.

You retain all rights to the data, content, leads, transcripts, application records, and other materials you submit to the Service ("Customer Data"). You grant Mainline a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, and process Customer Data solely to provide and improve the Service, to enforce these Terms, and to comply with law.

You represent and warrant that (a) you have all rights necessary to submit Customer Data to the Service; (b) submission and processing of Customer Data does not violate any law or third-party right; and (c) you have obtained all necessary consents from any individuals whose personal information is included in Customer Data.

You will not, and will not allow anyone else to:

• Use the Service to violate any law, regulation, or rule — including (without limitation) the Telephone Consumer Protection Act (TCPA), the Do Not Call Registry rules, state telemarketing statutes, the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), CCPA/CPRA and other state privacy laws, the CAN-SPAM Act, FTC Telemarketing Sales Rules, and all applicable usury and licensing laws.
• Make automated or AI-initiated calls to numbers on the federal Do Not Call Registry, on internal company DNC lists, or to numbers where you do not have the consent or business relationship required by law.
• Use voice-cloning features to clone the voice of any person without that person's clear, written, informed consent. You are required to maintain records of consent and produce them on request.
• Impersonate any person or entity, misrepresent your identity, or hide caller-ID information in a manner intended to defraud or harm the recipient.
• Use the Service for harassment, threats, hate speech, sexual content, content harmful to minors, or any communication prohibited by law.
• Attempt to gain unauthorized access to the Service, other accounts, or systems connected to the Service; probe, scan, or test for vulnerabilities without written authorization; or interfere with the Service's operation.
• Reverse-engineer, decompile, or attempt to derive the source code of the Service except to the extent expressly permitted by law.
• Resell, sublicense, white-label, or transfer access to the Service to a third party except as expressly permitted in writing by us.
• Use the Service to develop a competing product, or to train machine-learning models intended to compete with the Service.

We may suspend or terminate your account at any time, with or without notice, if we reasonably believe you have violated this section.

You are solely responsible for ensuring that every call, SMS, email, and automated communication initiated through the Service complies with all applicable laws. That includes obtaining any prior express written consent required by the TCPA, scrubbing your lists against the federal Do Not Call Registry and any applicable state lists, honoring opt-out and DNC requests immediately, and complying with state-level calling-time restrictions and disclosure requirements.

Mainline provides tools that help you manage consent, log opt-outs, and respect DNC requests, but those tools are not a substitute for your own compliance program. You agree to indemnify Mainline as described in Section 12 against any claim arising out of your communications.

The Service includes AI-generated voice agents that can place outbound calls. You agree that:

• You will only clone voices for which you have documented, lawful consent from the voice owner.
• You will disclose the use of an AI agent to recipients where required by law (for example, California SB 1001, which requires disclosure of certain automated communications).
• You will not use the AI agent to commit fraud, deceive recipients into believing they are speaking with a specific real person without authorization, or impersonate any government official or financial institution.
• AI-generated content can be inaccurate. You are responsible for reviewing, validating, and acting on output before relying on it for funding, underwriting, or regulatory decisions.

The Service integrates with third-party providers, including (but not limited to) Plaid, Twilio, ElevenLabs, Anthropic, Supabase, Vercel, Resend, and Stripe. Your use of those services may be subject to additional terms with those providers. We are not responsible for third-party services, their availability, or their content.

You authorize us to share Customer Data with these providers as necessary to operate the Service. We require these providers to maintain confidentiality and data-security obligations consistent with industry standards.

Access to the Service may require payment of fees ("Fees"). Fees, billing cadence, and applicable usage limits will be presented to you before you sign up or upgrade. Unless we agree otherwise in writing:

• Fees are billed in advance and are non-refundable except where required by law.
• You authorize us (and our payment processor) to charge your payment method on the agreed cadence. If a charge fails, we may suspend or terminate your access.
• Fees are exclusive of taxes; you are responsible for all applicable taxes, levies, and duties other than taxes based on our net income.
• We may change Fees on at least thirty (30) days' notice; if you do not accept the change, you may cancel before the change takes effect.

These Terms remain in effect for as long as you use the Service. Either party may terminate the agreement on thirty (30) days' written notice. We may suspend or terminate your access immediately if (a) you breach these Terms, (b) we are required to do so by law, (c) we reasonably believe continued access poses a security risk, or (d) you fail to pay Fees when due.

On termination: (i) your right to access the Service ends; (ii) you may export Customer Data for thirty (30) days; (iii) after that period, we will delete Customer Data in accordance with our Privacy Policy and applicable law; (iv) any obligations that by their nature should survive (including indemnification, limitation of liability, confidentiality, and dispute resolution) will survive.

The Service, including its software, design, branding, and all underlying intellectual property, is owned by Mainline and its licensors and is protected by United States and international law. Except for the limited license to use the Service under these Terms, we grant you no other rights to any of our intellectual property.

You may submit feedback or suggestions about the Service. You agree we may use feedback without obligation to you.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AI-GENERATED OUTPUT MAY BE INACCURATE, INCOMPLETE, OR MISLEADING; YOU USE IT AT YOUR OWN RISK.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE TO THE OTHER FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION — ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT FOR LIABILITIES THAT CANNOT BE LIMITED BY LAW, MAINLINE'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY.

You will defend, indemnify, and hold harmless Mainline, its affiliates, and their respective officers, directors, employees, and agents from and against any third-party claim, demand, loss, damage, cost, or expense (including reasonable attorneys' fees) arising out of or related to: (a) your or your users' use of the Service; (b) your Customer Data; (c) your breach of these Terms; (d) your violation of any law or third-party right, including TCPA, DNC, FCRA, GLBA, or any consumer-protection statute; or (e) any communication, advertisement, or solicitation initiated through the Service.

Each party may receive non-public information from the other ("Confidential Information"). Each party will use Confidential Information only to perform under these Terms and will protect it with at least the same care it uses to protect its own confidential information, but in no event less than reasonable care. Confidential Information does not include information that is or becomes public through no fault of the receiving party, was rightly known before disclosure, is rightfully received from a third party without restriction, or is independently developed without use of the disclosing party's information.

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. The parties consent to the exclusive jurisdiction of the state and federal courts located in Palm Beach County, Florida for any dispute that is not subject to arbitration.

Binding arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that cannot be resolved through good-faith discussion will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will take place in Palm Beach County, Florida. The arbitrator's award may be entered in any court of competent jurisdiction. Either party may seek injunctive or equitable relief in court for intellectual-property violations or breaches of confidentiality without first arbitrating.

Class-action waiver. Each party waives any right to bring or participate in a class, consolidated, or representative action against the other.

We may modify these Terms from time to time. If we make a material change, we will provide notice by email or within the Service at least fifteen (15) days before the change takes effect. Your continued use of the Service after the effective date constitutes acceptance of the modified Terms. If you do not accept the changes, you must stop using the Service before the effective date.

Entire agreement. These Terms, together with any order forms or written agreements between us, are the entire agreement and supersede all prior agreements.

No waiver. Failure to enforce a right is not a waiver of that right.

Severability. If any provision is held unenforceable, the remaining provisions remain in effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

Assignment. You may not assign these Terms without our written consent. We may assign in connection with a merger, acquisition, or sale of substantially all of our assets.

Force majeure. Neither party will be liable for any failure or delay caused by circumstances beyond reasonable control, including acts of God, war, terrorism, riots, pandemic, embargoes, internet or telecommunications failures, or labor disputes.

Notices. We may give you notice by email to the address on file or by posting within the Service. You may give us notice by email to legal@mainline-op.com.

AGN Services LLC
21346 Saint Andrews Blvd
Boca Raton, FL 33433
Email: legal@mainline-op.com