- What counts as a file
- One loan application: one URLA/1003, every borrower on it, every document uploaded for it, processed to one package. Documents added to the same loan number within 90 days of its first upload (an updated paystub, a condition response, a new statement) are read into the same file with no new deduction. An upload the software cannot read, such as an unreadable scan or a password locked PDF, comes back with a page list and is not deducted. A file is deducted when its package is delivered to the queue, never at upload.
- Expiry
- Files are valid 12 months from the purchase date. Buy any pack before that date and the whole remaining balance takes the new pack's 12 month date. Expired files are removed from the balance; packages already delivered stay in the account for their 24 month retention.
- Refunds
- Unused files are refundable in full within 30 days of purchase, from the account page. Deducted files are not refundable. After 30 days, unused files stay on the account until they expire. The pilot has nothing to refund.
- Top ups and low balance
- Any pack can be bought at any time from this page or the account page, through the same checkout, and the new files add to the balance. At 10 percent of the most recent pack (10, 50 or 200 files) and again at zero, the account owner receives an email, and a text message if that number opted in through the Join Our SMS List block.
- Overage
- There is none. At zero, uploads are accepted and held in the queue; nothing is processed and nothing is charged until a pack is bought. No file is ever billed outside a pack.
- Auto reorder
- A switch on the checkout review step and on the account page, off by default. When on, the same pack is bought again when the balance reaches zero, on the card or bank account on file, with a receipt emailed the same minute. It can be turned off from the account page at any time and the next reorder does not run. It is the only recurring charge that can exist, and only the buyer can switch it on.
- Payment
- Visa, Mastercard, American Express, Discover or ACH debit, chosen at checkout. A card posts the file balance immediately. ACH posts the balance when the debit settles, usually within three business days, while the account, seats and condition library activate right away. Sales tax is added as its own row in states that tax prewritten software, calculated from the billing address.
- Guest checkout
- No account exists before purchase. Checkout collects the lender's legal name, NMLS company ID, account owner name, work email, an optional mobile number that carries no SMS consent, billing address, an optional PO number, the payment method, and one agreement checkbox linking the Terms of Service and the Privacy Policy. The account is created from those fields after payment. A returning buyer may sign in to skip the account and billing sections, and is never required to.