Terms of Service

1. The Armadillo Service

Armadillo provides software that helps lenders and other financial-services businesses communicate with applicants, collect application information and documents, follow up on incomplete applications, and manage related workflows through channels such as WhatsApp, SMS, telephone calls, and web-based interfaces.

Specific features, fees, service levels, and commercial terms may be established in an order form, subscription agreement, pilot agreement, or other written agreement with Armadillo. If such an agreement conflicts with these Terms, the written agreement will control.

2. Armadillo Is Not a Lender

Armadillo is a technology provider. Armadillo does not:

• Offer or originate loans.
• Determine applicant eligibility.
• Approve or deny applications.
• Establish interest rates or lending terms.
• Provide legal, financial, credit, or investment advice.
• Guarantee that an applicant will receive financing.

Lenders remain solely responsible for underwriting, disclosures, licensing, fair-lending compliance, credit decisions, and all other obligations associated with their financial products.

3. Customer Responsibilities

Customers using Armadillo must:

• Provide accurate business and account information.
• Use Armadillo only for lawful and authorized purposes.
• Request only information reasonably necessary for their application workflows.
• Obtain all consents required to contact applicants through WhatsApp, SMS, telephone, or other channels.
• Comply with applicable communications, privacy, consumer-protection, lending, recording, and marketing laws.
• Honor opt-out, deletion, access, and communication-preference requests.
• Maintain appropriate privacy notices and applicant disclosures.
• Ensure that their message templates and communications comply with Meta, WhatsApp, Twilio, and carrier policies.
• Review information before relying on it for a lending decision.

Customers may not use Armadillo to send spam, deceptive messages, unlawful solicitations, discriminatory content, or communications to individuals who have not provided any required consent.

4. Applicant Communications

When an applicant communicates through Armadillo, Armadillo generally acts on behalf of the applicable lender. The lender determines the information requested and the purposes for which it is used.

Applicants should review the lender’s disclosures and privacy notice. Questions concerning a loan, application decision, lending requirement, or financial product should be directed to the applicable lender.

Message frequency varies. Message and data rates may apply. Recipients may request that communications stop using the instructions provided in a message or by contacting the lender or Armadillo.

5. Artificial Intelligence and Automated Processing

Armadillo may use automated and artificial-intelligence-assisted systems to generate communications, identify missing information, extract information from documents, check document quality or consistency, and organize application materials.

Automated results may be incomplete or inaccurate and should be reviewed when appropriate. Armadillo’s systems do not independently make final lending or credit decisions. Customers remain responsible for decisions made using information provided through the service.

6. Accounts and Security

Customers are responsible for maintaining the confidentiality of account credentials and for activity occurring through their accounts. Customers must promptly notify Armadillo of suspected unauthorized access or security incidents.

Customers may not attempt to bypass security controls, interfere with the service, obtain unauthorized access, reverse engineer protected components, or use the service to introduce malicious code.

7. Third-Party Services

Armadillo may integrate with services provided by Meta, WhatsApp, Twilio, cloud-infrastructure providers, artificial-intelligence providers, customer relationship management systems, loan-origination systems, and other third parties.

Use of third-party services may be subject to separate terms and policies. Armadillo is not responsible for third-party services or for changes, interruptions, restrictions, or decisions made by those providers.

8. Privacy

Armadillo’s collection and handling of personal information is described in our Privacy Policy.

Customers are responsible for ensuring that they have an appropriate legal basis for information they provide to Armadillo.

9. Intellectual Property

Armadillo and its licensors retain all rights in the Armadillo software, website, documentation, designs, trademarks, and related technology.

Customers retain their rights in information and materials they provide through the service. Customers authorize Armadillo to process those materials as necessary to provide, secure, support, and improve the service, subject to applicable agreements and law.

10. Suspension and Termination

Armadillo may suspend or restrict access when reasonably necessary to:

• Prevent security threats, fraud, abuse, or unlawful activity.
• Address violations of these Terms.
• Comply with legal requirements or third-party platform rules.
• Protect Armadillo, its customers, applicants, or others.
• Address overdue payments where applicable.

Either party may terminate service as provided in its applicable agreement. Sections that by their nature should survive termination will remain effective.

11. Disclaimers

To the maximum extent permitted by law, Armadillo is provided on an “as is” and “as available” basis. Armadillo does not guarantee uninterrupted operation, error-free results, message delivery, document accuracy, application completion, regulatory compliance, or lending outcomes.

12. Limitation of Liability

To the maximum extent permitted by law, Go Armadillo LLC will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, data, goodwill, business opportunity, or anticipated savings arising from use of the service.

Any additional liability limitations established in a written agreement between Armadillo and a customer will apply.

13. Changes to These Terms

We may update these Terms periodically. The updated version will be posted with a revised “Last updated” date. Continued use of the service after an update constitutes acceptance of the revised Terms to the extent permitted by law.