Terms of Service

1. Service Description

ClosingDay is an AI-powered tool that analyzes Closing Disclosure documents — the federal form lenders are required to provide before mortgage closings — and identifies fees that may be inflated, questionable, or negotiable based on publicly available benchmarks and federal regulations (RESPA, TRID).

The service produces an informational report including: a fee-by-fee analysis, an interest rate assessment, an escrow cushion check, suggested pushback language, and a draft negotiation email. These outputs are starting points for your own review — not final determinations.

2. Accuracy and Limitations

The analysis is based on general fee benchmarks and federal regulatory guidelines. It may not reflect:

• Your specific geographic market or local fee norms
• Your specific loan type, loan size, or lender relationship
• Recent changes in interest rates or market conditions
• Fees that are legitimately higher due to your transaction circumstances
• State-specific regulations that may affect fee validity

A fee flagged by ClosingDay may be entirely valid in your situation. A fee not flagged may still be worth questioning. The analysis is a tool to inform your conversation with your lender, not a definitive audit.

3. User Responsibility

You are solely responsible for verifying the information in your analysis report and making your own decisions about your mortgage transaction. ClosingDay provides analysis; you make the decisions. Do not use this service as a substitute for professional advice tailored to your specific situation.

By using this service, you represent that you have the right to upload the document you submit (i.e., it is your own Closing Disclosure or you are authorized to act on behalf of the borrower).

4. Payment Terms

ClosingDay charges a one-time fee of $29 USD to unlock a full analysis report. There are no subscriptions, recurring charges, or hidden fees.

Money-back guarantee: If your analysis does not identify at least $200 in potential savings opportunities, contact us within 7 days of purchase for a full refund. Refund requests require a copy of your analysis report. We reserve the right to verify the claim before issuing a refund.

Payments are processed by Lemon Squeezy. By completing a purchase, you also agree to Lemon Squeezy's terms of service. ClosingDay does not store your payment card details.

5. No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT RESULTS WILL BE ACCURATE OR COMPLETE.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLOSINGDAY LLC AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, LOSS OF DATA, OR FINANCIAL LOSS — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claim arising from use of the service shall not exceed the amount you paid for the specific analysis report giving rise to the claim.

7. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions. ClosingDay LLC is incorporated in Wyoming.

8. Dispute Resolution

We prefer to resolve disputes informally. If you have a concern, email us first at legal@closingday.com and we will make a good-faith effort to resolve it within 14 days.

If informal resolution fails, any dispute arising out of or relating to these Terms or the service shall be resolved by binding arbitration administered in accordance with the rules of the American Arbitration Association, with proceedings conducted in Wyoming. Each party shall bear its own costs. Nothing in this section prevents either party from seeking emergency injunctive relief in a court of competent jurisdiction.

9. Changes to These Terms

We may update these Terms from time to time. We will update the "Last updated" date at the top of this page when we do. Continued use of the service after changes constitutes your acceptance of the revised Terms. If the changes are material, we will make reasonable efforts to notify users.

10. Contact

Questions about these Terms? Email legal@closingday.com.