Effective: September 30, 2026
These Terms and Conditions of Use (“Terms”) govern your access to and use of https://onetouchprocessing.ai and any forms, content, technology and services owned or operated by OneTouch Processing LLC, a Michigan limited liability company, doing business as OneTouch Processing (“we,” “us,” or “our”).
Agreement to these Terms
By accessing, browsing, submitting information through, or otherwise using our website or services, you acknowledge that you have read, understood and agree to be bound by these Terms. If you do not agree, do not use our website or services.
Please read these Terms carefully. They contain an agreement to arbitrate disputes and a waiver of class action rights.
Section 1 — Our Service
We provide contract (third-party) loan processing services to licensed mortgage lenders, mortgage brokerages and their loan originators. We do not originate loans, make credit decisions, underwrite, or approve loans, and nothing on this website is an offer of credit or an offer to extend credit to consumers. Our website describes our services and lets business prospects request a conversation with us.
Processing services are provided only under a separate written service agreement between us and the lender or brokerage. Requesting a conversation through this website does not create a client relationship or any obligation on either party.
Section 2 — License Grant
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our website solely for evaluating our services. No other rights are granted.
Section 3 — License Restrictions
You may not:
- Copy, reproduce, distribute, display, sell, license, modify or commercially exploit any part of our website or content except as expressly permitted
- Reverse engineer, decompile or create derivative works from our website, systems or software
- Access or attempt to access non-public systems, APIs, databases or infrastructure without authorization
- Remove, obscure or alter copyright, trademark or other proprietary notices
- Use bots, scrapers, crawlers or automated data extraction without our prior written permission
- Submit false, misleading, fraudulent or unauthorized information, or information about another person without their permission
- Interfere with the operation, security or performance of our website
- Use our website to transmit malware, spam, unlawful content or deceptive communications
Exceeding the scope of the license granted under these Terms is a material breach.
Section 4 — Your Obligations
You agree that any information you submit is accurate, complete, current and your own or that of a business you are authorized to represent, and that the telephone number you provide belongs to you or is one you are authorized to use. You agree not to use our website for any unlawful, abusive, deceptive or fraudulent purpose, and not to submit borrower or consumer personal information through this website.
Section 5 — Proprietary Rights
The website, content, designs, text, graphics, software, logos, trademarks and other materials made available by us are owned, controlled or licensed by OneTouch Processing LLC or its licensors. You may not use our names, logos or branding without prior written permission. Other company names and marks belong to their respective owners.
Section 6 — Calls, Texts and Electronic Communications
If you provide a telephone number and consent to be contacted, we may contact you as described in our TCPA Consent Disclosure. Carrier message and data rates may apply. Calls may be monitored or recorded for quality and compliance purposes where permitted by law.
Section 7 — Feedback
If you send us feedback or suggestions, you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use it without restriction or compensation.
Section 8 — Representations and Warranties
You represent and warrant that you are at least 18 years old; that your use of our website complies with applicable law; and that any information you provide is accurate, complete, lawful and authorized.
Section 9 — Warranty Disclaimers
Our website and its content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of title, non-infringement, merchantability, fitness for a particular purpose, accuracy, availability and results. We do not guarantee that our website will be uninterrupted, secure or error-free. Figures on this website drawn from third-party sources are reproduced as published by those sources on the dates shown and are provided for information only. The terms of any processing engagement are governed solely by the applicable service agreement.
Section 10 — Limitation of Liability
To the fullest extent permitted by law, OneTouch Processing LLC and its affiliates, officers, members, managers, employees, contractors, agents, licensors and partners will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, including lost profits, lost data or business interruption, arising from your use of our website, whether in contract, tort or any other theory, even if advised of the possibility.
Our total liability for any claim relating to these Terms or our website will not exceed one hundred U.S. dollars ($100). Some jurisdictions do not allow these limitations, so some may not apply to you. This section does not limit liability under any written service agreement, which contains its own terms.
Section 11 — Indemnification
You agree to defend, indemnify and hold harmless OneTouch Processing LLC and its affiliates, officers, members, managers, employees, contractors, agents and partners from any claims, damages, losses, costs and attorneys’ fees arising from your use of our website, your breach of these Terms, your violation of law or third-party rights, or information you submit.
Section 12 — Governing Law
These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-law principles. Subject to the arbitration provisions below, the state and federal courts located in Wayne County, Michigan will have exclusive jurisdiction over any dispute. Any claim must be brought within two (2) years after it arises, unless applicable law requires otherwise.
Section 13 — Dispute Resolution by Binding Arbitration
Please read this section carefully. It affects your rights.
You and we agree that any dispute arising out of or relating to these Terms or our website will be resolved by final and binding individual arbitration rather than in court, except that either party may bring an individual claim in small claims court if it qualifies. The Federal Arbitration Act governs this agreement.
13.1 Individual Claims Only. Claims may be brought only on an individual basis, not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not consolidate claims or preside over any class or representative proceeding.
13.2 Informal Resolution First. Before starting arbitration, send a written notice describing the claim and the relief sought to support@onetouchprocessing.ai with the subject line “Notice of Dispute.” If the dispute is not resolved within sixty (60) days after the notice is received, either party may begin arbitration.
13.3 Procedures. Arbitration will be administered by the American Arbitration Association under its applicable rules. The arbitrator decides questions of scope, enforceability and arbitrability, and may award relief only on an individual basis.
13.4 Costs. Fees are governed by the provider’s rules unless applicable law requires otherwise.
13.5 Confidentiality. Arbitration filings, proceedings and awards are confidential to the fullest extent permitted by law.
13.6 Severability. If any part of this section is unenforceable, it will be severed to the minimum extent necessary; if the class action waiver is found unenforceable for a claim, this arbitration agreement will not apply to that claim.
Section 14 — No Class Actions
To the extent permitted by law, you waive any right to bring or participate in a class, collective, consolidated, private attorney general or representative action against us.
Section 15 — Privacy
Our Privacy Policy is incorporated into these Terms.
Section 16 — Electronic Signatures and Records
By using our website, submitting forms or communicating with us electronically, you consent to electronic signatures, records, notices and disclosures, which have the same legal effect as paper.
Section 17 — Termination
We may suspend or end your access to our website at any time if we believe you have violated these Terms or acted unlawfully. Provisions that by their nature should survive, including disclaimers, limitation of liability, indemnification, governing law, arbitration and the class action waiver, survive termination.
Section 18 — Changes to These Terms
We may update these Terms from time to time. Changes take effect when posted unless stated otherwise. Continued use after posting means you accept the updated Terms.
Section 19 — Miscellaneous
Nothing in these Terms creates a partnership, joint venture, employment or agency relationship. You may not assign these Terms without our written consent; we may assign them without restriction. Our failure to enforce any provision is not a waiver. If any provision is invalid, it will be modified or severed to the minimum extent necessary. These Terms and our Privacy Policy are the entire agreement between you and us regarding your use of the website.
Section 20 — Contact Us
- OneTouch Processing LLC, a Michigan limited liability company
- 553 Norborne Avenue, Dearborn Heights, MI 48127
- (855) 303-0313
- support@onetouchprocessing.ai