Acceptable Use Policy

1. Fraud and Misrepresentation

You may not:

• Submit fabricated, fraudulent, or knowingly inaccurate comparable sales data
• Inflate property values through false statements or manufactured evidence
• Misrepresent property characteristics (e.g., square footage, bedroom count, condition) in your inputs
• Submit appraisal documents you obtained without authorization
• Misrepresent your identity, role, or relationship to the property at issue
• Use the Service to facilitate any form of mortgage fraud, appraisal fraud, or financial fraud

2. Discrimination and Fair Lending Violations

You may not:

• Use the Service in a manner that violates the Fair Housing Act, Equal Credit Opportunity Act, or similar state laws
• Submit ROV requests motivated by or referencing the protected class characteristics of any person (race, color, religion, national origin, sex, familial status, disability, age, marital status, or others protected by law)
• Make complaints, accusations, or representations about appraisers based on their protected class characteristics

3. Conflicts of Interest

You may not use the Service in a transaction where:

• You have an undisclosed conflict of interest with the property, the appraiser, the lender, or any other party
• You are subject to legal restrictions (such as a court order or regulatory action) prohibiting your use of appraisal-related software

4. Unauthorized Access and Account Sharing

You may not:

• Share your account credentials with any other person
• Allow another person to use your account
• Transfer, sell, or otherwise convey your account access
• Access another person's account without their explicit authorization

5. Reverse Engineering and Competing Products

You may not:

• Reverse-engineer, decompile, or disassemble any part of the Service
• Attempt to derive the source code, algorithms, AI prompts, or training data of the Service
• Use the Service to develop a competing product
• Strip, modify, or remove any disclaimers, AI disclosures, or footers from generated documents
• Rebrand, white-label, or resell generated documents as your own service to third parties

6. Automation and Abuse

You may not:

• Automate use of the Service in a way that violates our rate limits or burdens our infrastructure
• Use bots, crawlers, or scrapers against the Service except for legitimate search engine indexing of public pages
• Bypass any security or rate-limiting controls
• Probe, scan, or test the Service's vulnerability without our explicit written permission
• Attempt to gain unauthorized access to any user account, system, or data

7. Harmful and Unlawful Content

You may not use the Service to:

• Harass, defame, threaten, or stalk any person — including any appraiser, AMC, lender, or other party in the mortgage transaction
• Generate or disseminate content that violates intellectual property rights, privacy rights, or publicity rights
• Generate content that is defamatory, libelous, slanderous, or knowingly false
• Generate content that incites violence or hatred
• Generate content for any unlawful purpose

8. Coercion of Appraisers (AIR Violations)

You may not use the Service to:

• Coerce, threaten, or pressure any appraiser to reach a specific value conclusion
• Communicate target values, demands, or ultimatums to any appraiser
• Submit content explicitly intended to violate the Appraiser Independence Requirements (AIR), even if our software's output language is compliant

Our software is designed to never produce coercive language. However, you remain responsible for ensuring that any document you submit, in conjunction with any oral or written communication you separately make to an appraiser, does not constitute coercion.

9. Misuse of the Complaint Filing Educational Guide

If you choose to file a complaint against an appraiser, AMC, or lender (using information from our Complaint Filing Educational Guide):

• You must do so based on factual basis, not retaliation or mere disagreement
• You may not include in any complaint statements you know or suspect to be false
• You may not use complaints as leverage in negotiations or for intimidation
• You assume full responsibility for any complaint you file

10. Submission of Documents to Third Parties

By generating documents through the Service, you understand and agree that:

• You are solely responsible for what you submit to any third party
• You are responsible for verifying the accuracy of every fact in any submitted document
• We do not submit anything on your behalf
• We are not liable for the response of any lender, AMC, or appraiser to your submission

For Borrowers

• Allowed: use the Service to prepare an ROV for an appraisal of property you own or are purchasing
• Allowed: use the Service when you have a legitimate, factual basis to request a reconsideration
• Not allowed: use the Service for properties you have no legitimate connection to
• Not allowed: use the Service to inflate values for purposes other than receiving an accurate appraisal

For Loan Officers, Brokers, and Mortgage Professionals

• Allowed: use the Service on behalf of borrowers when you have written authorization to do so
• Allowed: use the Service to assist your clients with the standard ROV process
• Not allowed: use the Service in violation of your NMLS-licensee obligations
• Not allowed: use the Service in violation of RESPA Section 8 (no kickbacks for appraisal-related services tied to specific loans)
• Not allowed: use a single account on behalf of multiple unrelated brokers or LOs

For AMC Staff and Lender Operations

• Allowed: use the Service for internal training, education, or to evaluate ROV submissions you receive
• Not allowed: use the Service to generate ROVs that you then submit to your own appraisers — this would create an AIR / independence concern

If we determine you've violated this AUP:

We may investigate any reported or suspected violation. We may suspend access during investigation. If we determine no violation occurred, we will restore access promptly.

For severe violations, we may:

• Notify affected third parties (e.g., the appraiser if their license number was misused)
• Notify regulators or law enforcement
• Cooperate with civil or criminal proceedings
• Pursue our own remedies, including injunctive relief and damages

If you believe another user is violating this AUP, or if you believe content generated by our software was used in violation of this AUP:

Email

abuse@raiseappraisal.com

Subject

AUP Violation Report

Provide as much detail as you can. We treat all reports confidentially. Anonymous reports are accepted.

We may update this AUP from time to time. Material changes will be communicated by email at least 30 days before taking effect.

Email

abuse@raiseappraisal.com or legal@raiseappraisal.com

Mail

Malama Funding LLC, [address]

Incorporated by reference into the Terms of Service.