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Terms of Service

Effective date: July 9th, 2025

1. Acceptance

By accessing or using EM Loan Edge, you agree to these Terms of Service (“Terms”) and our Privacy Policy.

2. Eligibility & Accounts

You must be at least 18 years old and legally capable of forming contracts. You are responsible for safeguarding your login credentials and any activity under your account.

3. Subscription & Payment

Prices, billing cycles, and renewal terms are presented at checkout. Fees are non-refundable, except where required by law or explicitly stated otherwise.

4. License & Intellectual Property

We grant you a non-exclusive, non-transferable license to access the Site for internal business use. All content, data models, and software are owned by the Company or its licensors and protected by copyright and other laws.

5. Data Accuracy & Reliance

The information and analytics provided on EM Loan Edge are compiled from public filings, third-party data vendors, and proprietary models.

  • We strive for completeness and accuracy, but do not warrant that any data, calculations, or visualizations are error-free, up-to-date, or suitable for your intended use.
  • All figures are provided “as is” and “as available.” You agree to verify material information independently before making investment, lending, or other financial decisions.
  • By using the Site, you release and hold harmless Rock Valley Tech, its officers, employees, and data providers from any losses or damages arising from errors, omissions, or delays in the data, or from your reliance on it.

6. Permitted Uses & Restrictions

You may not:

  • Resell, redistribute, or publicly display platform data without written consent
  • Reverse-engineer or bypass security features
  • Use the Site to compete with us, violate laws, or infringe third-party rights
  • Upload viruses, malicious code, or unauthorized data

7. Financial Data Disclaimer

All information is for informational purposes only and does not constitute investment advice, an offer, or a solicitation. You are solely responsible for your investment decisions.

8. Third-Party Links & Integrations

We are not responsible for third-party websites or services linked from the Site. Your use of them is at your own risk.

9. Suspension & Termination

We may suspend or terminate access immediately for violations of these Terms or to protect the Site. Upon termination, your right to use the Site ceases.

10. Disclaimers

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROCK VALLEY TECH WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL.

12. Indemnification

You agree to indemnify and hold harmless the Company and its affiliates from any claims arising out of your use of the Site or violation of these Terms.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Virginia, USA, without regard to conflict of law rules. Any dispute will be resolved through binding arbitration in New York, NY, under AAA rules, except that either party may seek injunctive relief in court.

14. Changes to Terms

We may update these Terms periodically. Continued use after changes become effective constitutes acceptance.

15. Contact

Email info@emloanedge.com or write to 1327 Grandin Rd SW #124 Roanoke, VA 24015