Terms of Service

These terms govern your use of NarrativeLoan (narrativeloan.com), operated by Patricia Calloway ("we," "us"). By using NarrativeLoan, you agree to these terms.

What NarrativeLoan is

NarrativeLoan is a tool that helps generate the business narrative section of SBA and bank loan applications using AI. It is a drafting aid, not a substitute for professional financial, legal, or lending advice.

Your responsibilities

• You are responsible for reviewing every narrative NarrativeLoan generates before submitting it to a lender or any other party. NarrativeLoan's output may contain errors and should be checked for accuracy, completeness, and appropriateness before use.
• You are responsible for the information you enter into NarrativeLoan and for ensuring it is accurate and that you have the right to use and submit it.
• You agree not to use NarrativeLoan for any unlawful purpose, including submitting false or misleading information to a lender, or to attempt to misuse, reverse-engineer, or disrupt the service.
• You are responsible for maintaining the confidentiality of your account credentials.

No warranty

NarrativeLoan is provided "as is." We do not guarantee that generated narratives will result in loan approval, that the service will be uninterrupted or error-free, or that the content generated will be free of mistakes. NarrativeLoan does not provide financial, legal, or lending advice.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of NarrativeLoan, including denied loan applications, lost revenue, or reliance on generated content. Our total liability for any claim relating to NarrativeLoan is limited to the amount you paid us in the 3 months prior to the claim.

Subscriptions and billing

• Subscriptions are billed monthly through Stripe and renew automatically until cancelled.
• You can cancel at any time; your access continues through the end of your current billing period.
• Fees are non-refundable except where required by law.
• We may change pricing with advance notice; continued use after a price change constitutes acceptance.

Fair use

Each plan includes a monthly narrative allowance as described on our pricing page. These allowances are sized to comfortably cover typical usage. We reserve the right to review accounts that consistently exceed their plan's allowance and may ask such accounts to move to a higher tier.

Termination

We may suspend or terminate your access if you violate these terms or misuse the service. You may cancel your account at any time.

Changes to these terms

We may update these terms as NarrativeLoan evolves. Continued use after changes take effect constitutes acceptance of the updated terms.

Contact us

Questions about these terms? Reach us at hello@narrativeloan.com.

These terms are a general template and have not been reviewed by an attorney. They are provided as a starting point and should be reviewed by legal counsel before relying on them for legal protection.