Terms of Use

These Terms of Use (“Terms”) govern your use of loleadengine.com and any content, materials, or programs offered through it (together, the “Services”). The Services are provided by American Roots Capital, LLC, a Missouri limited liability company (“we,” “us,” or “our”). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. What the LO Lead Engine Is

2. Eligibility

The Services are intended for licensed mortgage professionals who are at least 18 years old and able to form a binding contract. By using the Services you represent that you meet these requirements and that the information you give us — including your NMLS ID — is accurate and belongs to you.

3. The Free Blueprint

We offer a free Lead Engine Blueprint in exchange for your contact information and your consent to be contacted. The Blueprint is provided for general educational purposes, as-is, with no guarantee of any particular outcome. Requesting it does not create any advisory, agency, or professional relationship between us.

4. Paid Programs, Payment, and Access

Paid programs, their price, and what they include will be presented to you at the point of purchase. Unless stated otherwise at checkout:

• Access is granted to you individually and is not transferable.
• Access is granted for personal business use, not for resale, redistribution, or training others outside your organization.
• We may modify, update, or retire program content over time.
• We may suspend or terminate your access without refund if you breach these Terms.

5. Refund Policy

If a technical problem prevents you from accessing what you paid for, contact us and we will resolve access.

6. Intellectual Property

All content in the Services — text, video, templates, prompts, code, frameworks, graphics, and the LO Lead Engine name and branding — is owned by American Roots Capital, LLC or its licensors and is protected by copyright and other laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the content for your own mortgage business.

You may not copy, republish, resell, license, share logins, post content in groups or forums, or use the content to build a competing training or coaching product. You may use what you learn to build lead-generation assets for your own business — that is the point of the program.

7. No Earnings or Results Guarantee

8. Not Professional Advice

The Services provide general business education. They are not legal, compliance, tax, accounting, financial, or investment advice, and they are not a substitute for your own professional advisors. Nothing in the Services creates an attorney-client or advisory relationship.

9. Your Compliance Responsibility

Mortgage advertising and consumer contact are heavily regulated. You are solely responsible for the compliance of everything you build, publish, or send. That includes, without limitation:

• Approval by your employer, broker, or compliance department before publishing any site, ad, or copy
• Your own NMLS and state licensing disclosures and where they must appear
• TCPA, CAN-SPAM, and state telemarketing and Do-Not-Call requirements
• Truth-in-advertising, UDAAP, Regulation Z / TILA advertising rules, RESPA, and ECOA / Regulation B
• The advertising policies of Google, Meta, Microsoft, and any other platform you use

We do not review, approve, or take responsibility for your marketing materials, your campaigns, or your handling of consumer data.

10. Acceptable Use

You agree not to use the Services to do anything unlawful, to misrepresent your licensing status, to scrape or reverse-engineer the site, to interfere with its operation or security, or to share your access with anyone else.

11. Third-Party Platforms and Costs

The program teaches you to use third-party tools and platforms — hosting, website builders, advertising platforms, analytics, and similar services. Your use of those is governed by their own terms and pricing. Their availability, policies, features, and costs can change at any time, and we are not responsible for those changes or for any account action they take against you.

12. Disclaimer of Warranties

The Services are provided “as is” and “as available” without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or that any content is current or complete.

13. Limitation of Liability

To the fullest extent permitted by law, American Roots Capital, LLC and its members, officers, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost business, lost data, advertising spend, or regulatory penalties, arising from or relating to the Services — even if advised of the possibility.

Our total aggregate liability for any claim relating to the Services will not exceed the amount you actually paid us in the twelve (12) months before the event giving rise to the claim.

14. Indemnification

You agree to indemnify and hold harmless American Roots Capital, LLC and its members, officers, and agents from any claim, demand, loss, liability, or expense (including reasonable attorneys’ fees) arising out of your use of the Services, your marketing or business activities, your handling of consumer information, or your violation of these Terms or any law.

15. Privacy

Our handling of personal information is described in our Privacy Policy, which is incorporated into these Terms.

16. Governing Law and Disputes

These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the Services will be brought exclusively in the state or federal courts located in Boone County, Missouri, and you consent to the jurisdiction of those courts.

17. Changes to These Terms

We may update these Terms. Changes are posted on this page with a revised “Last updated” date, and take effect when posted. Your continued use of the Services after that means you accept the updated Terms.

18. Contact Us