Effective: September 2026
Please read these terms carefully before using this website or the CloseClear application. By accessing or using either, you agree to be bound by these Terms of Service. If you do not agree, please do not use them.
These Terms of Service ("Terms") govern your access to and use of this website and the CloseClear application, operated by DTMU LLC, a Delaware limited liability company with its principal office in Texas, doing business as CloseClear ("CloseClear", "we", "our", or "us"). Together with any signed order or subscription agreement, they are the agreement between you and us. If you use the application on behalf of an organization, you accept these Terms for that organization and confirm you have authority to do so, and "you" means that organization. Our Privacy Policy is incorporated into these Terms by reference.
CloseClear monitors an organization's active loan pipeline against publicly available disaster, hazard, and flood map information from government and public sources, including FEMA, the National Weather Service, and the U.S. Geological Survey, and produces alerts, classifications, reviews, reports, exposure certificates, and related tools that help the organization manage requirements that attach to loans when disasters are declared. Access is by invitation under a customer agreement; there is no public self-service signup.
This section matters more than any other, so it comes early.
Your organization is responsible for its users, credentials, and configuration choices, including automation policies and notification settings. Keep credentials confidential and tell us promptly about any unauthorized use.
You agree not to: misuse or probe the service or its security; access another organization's data; resell or provide the service to third parties except as your agreement allows; scrape or bulk-extract the service or this site; use the service to violate law, including fair lending and privacy laws; or introduce malicious code.
Your organization owns the pipeline data and other content it provides. You grant us the right to host and process that content solely to provide and secure the service and meet legal obligations. You are responsible for having the necessary rights and legal bases for the content you provide, including for any borrower personal information in it. We do not use your content to train machine learning models, and we do not sell it.
Where your content includes nonpublic personal information under the Gramm-Leach-Bliley Act, we process it as your service provider as described in our Privacy Policy and your customer agreement.
Where fees apply, they are stated in your order or subscription and billed by card through our payment processor. Fees are exclusive of taxes, which you are responsible for, excluding taxes on our income. We may suspend the service for accounts with overdue amounts after notice.
These terms apply while you use the service. Either party may terminate as the customer agreement provides. We may suspend or terminate access immediately for a serious violation of these terms or to prevent harm to the service or other customers, with notice where practicable. On termination we will, on request made within 30 days, make your content available for export, and thereafter delete it as described in the Privacy Policy, subject to required retention.
We own the service, the site, and everything in them other than your content, including software, models, designs, and the CloseClear name and marks. No rights are granted except as expressly stated. Feedback you choose to give may be used without obligation.
Each party will protect the other's non-public information with at least reasonable care, use it only as needed under the agreement, and not disclose it except to personnel and providers under equivalent duties, or as law requires with notice where lawful.
THE SERVICE AND ALL OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT OUTPUTS ARE COMPLETE, CURRENT, OR ACCURATE, BECAUSE THEY DEPEND ON THIRD-PARTY AND GOVERNMENT DATA SOURCES OUTSIDE OUR CONTROL.
TO THE MAXIMUM EXTENT LAW ALLOWS: NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY; AND OUR TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE IS LIMITED TO THE FEES YOU PAID FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS IF YOU HAVE PAID NONE. THESE LIMITS DO NOT APPLY TO A PARTY'S INDEMNIFICATION OBLIGATIONS, BREACH OF CONFIDENTIALITY, OR LIABILITY THAT CANNOT BE LIMITED BY LAW.
We will defend your organization against third-party claims that the service, as provided by us and used as permitted, infringes a U.S. patent, copyright, or trademark, and pay resulting damages finally awarded, provided you give prompt notice and reasonable cooperation and let us control the defense. If the service is enjoined, we may modify it, procure rights, or terminate and refund prepaid unused fees.
You will defend us against third-party claims arising from your content, your use of the service in violation of these terms or law, or decisions your organization makes based on outputs, and pay resulting damages finally awarded, under the same notice and cooperation conditions.
These terms are governed by Texas law, without regard to conflicts rules. Before formal proceedings, the parties will try in good faith to resolve any dispute within 30 days of written notice.
Any dispute not resolved informally will be settled by binding arbitration before a single arbitrator under the Commercial Arbitration Rules of the American Arbitration Association, seated in Travis County, Texas, and judgment on the award may be entered in any court with jurisdiction. Each party keeps the right to seek injunctive or equitable relief in court for misuse of intellectual property or confidential information, and either party may bring a qualifying claim in small claims court. Disputes must be brought individually; neither party may participate in a class, collective, or representative proceeding against the other, and the arbitrator may not consolidate claims. To the fullest extent permitted by law, each party waives any right to a trial by jury. You may opt out of this arbitration agreement by emailing hello@closeclear.ai within thirty (30) days of first accepting these Terms, stating that you decline to arbitrate; opting out does not affect any other provision. For anything a court may hear, the state and federal courts sitting in Travis County, Texas have exclusive jurisdiction and both parties consent to venue there.
Neither party is liable for delay or failure caused by events beyond its reasonable control. You may not assign these terms without our consent, except to a successor in a merger, acquisition, or sale of substantially all assets on notice to us; we may assign to an affiliate or successor, including a successor to the CloseClear product line. Notices to us go to hello@closeclear.ai; notices to you go to your account email. If a term is unenforceable, the rest stand. These terms plus your customer agreement and order are the entire agreement about the service; if they conflict, the signed customer agreement controls. We may update these terms; for material changes we will give application customers at least 30 days' notice, and continued use after the effective date is acceptance.
This website itself is informational; nothing on it is an offer of service, and requesting a demo does not create a service agreement.
Questions about these Terms: