1. Acceptance of these terms
These Terms and Conditions ("Terms") govern your use of the NetDesk website and services ("Services"). By accessing the website, booking a consultation or using the Services, you agree to these Terms and to our Privacy Policy. If you use the Services for a business, you confirm that you can bind that business to these Terms. If you do not agree, please do not use the Services.
2. What NetDesk is and is not
NetDesk is business software and related support services for mortgage professionals, realtors and homeowners insurance agents. We provide tools such as pipelines, forms, calendars, follow-up automation, messaging and reporting.
3. Eligibility and accounts
You must be at least 18 years old and able to enter into a binding contract. You are responsible for the accuracy of the information you give us, for keeping your login details confidential and for all activity under your account and the user seats you add.
4. Plans, fees and billing
NetDesk is offered in plans, currently called Core, Growth and Scale. The features, number of user seats and prices of each plan are described on our pricing page or in your written agreement with us. Fees are charged in US dollars, recur monthly unless we agree otherwise, and exclude applicable taxes.
Texting, calling and AI features include fair-use limits that depend on your plan. We may ask you to adjust your plan or may charge for usage above those limits, as agreed with you. Renewal, cancellation and refund details are provided at sign-up or in your written agreement.
5. Acceptable use
You agree not to use the Services to:
- break any law or regulation, or send messages without the consent the law requires;
- send spam, deceptive, harassing or unlawful content;
- upload or collect sensitive information in ways the Services are not designed for, such as Social Security numbers or full loan documents in ordinary marketing forms;
- interfere with, disrupt or attempt to gain unauthorized access to the Services or other users’ data;
- copy, resell or reverse engineer the Services except as we allow in writing.
6. Your compliance responsibilities
You are solely responsible for how you use the Services to contact people and market your business. That includes obtaining and recording valid consent for emails, texts and calls, honoring opt-outs and do-not-contact requests, registering your business for text messaging where carriers require it, and following the licensing, advertising, disclosure and privacy rules that apply to mortgage, real estate and insurance professionals in your area.
7. Text messaging, calling and email
Messaging and calling are delivered through third-party carriers and providers, who may filter, delay or block messages. We cannot guarantee delivery. Messages sent through the Services must include opt-out instructions where required, and you must stop contacting anyone who opts out.
8. AI features and assistant services
Some features use AI to draft or send replies, place calls or summarize information. AI output can be inaccurate or incomplete, so you are responsible for reviewing how these features are set up and for the content sent in your name. If your plan includes an allocated virtual assistant, the scope, hours and tasks are as agreed with you in writing. Our assistants support your sales and follow-up work. They do not provide licensed lending, brokerage or insurance services.
9. Your data
You keep ownership of the contacts, content and other data you put into the Services ("Your Data"). You give us permission to host, process and use Your Data to provide the Services, support you and meet legal requirements, as described in our Privacy Policy. You are responsible for having the right to collect and use Your Data, including any notices and consents your own clients require.
10. Our intellectual property
The Services, website, software, templates, designs, text and trademarks, including the NetDesk name and logo, belong to NetDesk or its licensors and are protected by law. We give you a limited, non-exclusive, non-transferable right to use the Services during your subscription for your internal business purposes.
11. Third-party services
The Services work with third-party providers, such as email, messaging, calling, scheduling, AI and payment services. Their terms and policies apply to your use of them. We are not responsible for third-party services we do not control.
12. Disclaimers
The Services are provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not promise that the Services will be uninterrupted or error-free, or that they will produce any particular number of leads, appointments, loans, sales or policies.
13. Limitation of liability
To the fullest extent the law allows, NetDesk and its owners, employees and partners will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or business opportunities, arising from your use of the Services. Our total liability for any claim relating to the Services will not exceed the fees you paid to us in the three months before the claim arose.
14. Indemnification
You agree to defend and hold harmless NetDesk from claims, damages and expenses, including reasonable legal fees, that arise from your use of the Services in violation of these Terms or the law, the messages you send, or Your Data.
15. Suspension and termination
You may stop using the Services at any time in line with your plan or agreement. We may suspend or end your access if you breach these Terms, put others or the Services at risk, fail to pay, or if we are required to by law or by a carrier or provider. Sections that by their nature should continue after termination will continue.
16. Governing law
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law rules. You agree that the state and federal courts located in Broward County, Florida will have jurisdiction over any dispute relating to these Terms or the Services.
17. Changes to these terms
We may update these Terms from time to time. When we do, we will change the "Last updated" date at the top of this page. By continuing to use the Services after a change takes effect, you accept the updated Terms.
18. Contact us
If you have questions about these Terms, please get in touch.
You can reach us through the contact form at netdesk.ai and we will respond as soon as we can.