Terms of Service
Last updated October 21, 2026
The service
Broker AI (operated by disruptionio, “we,” “us”) hosts a configuration profile for your mortgage brokerage practice and connects it to an AI agent you provide and control (such as Claude or ChatGPT), running on your own AI subscription. We generate content — lead-scoring rubrics, ad copy, compliance guidance, campaign proposals — for your agent to use; your agent, under your direction, is what actually acts on it.
Where our part ends and yours begins
For advertising, the line is this. Your agent proposes a change; we check it against fixed rules and your own limits and show it to you; you approve it in your dashboard, signed in as yourself. Only then does anything reach your ad account, and a campaign we create always arrives paused. Building the ad itself — the audience details, the ad set or ad group, the creative — and switching it on happens in your own Meta Ads Manager or Google Ads account, by you. We draft and check; you place and publish. We do not intend to change that: the person who decides what runs, and who is answerable for it, is you.
You are the advertiser and broker of record
If you connect a Google, Meta, or Microsoft ad account, you remain the account owner and advertiser of record on that platform at all times. Broker AI does not create ad accounts on your behalf, does not take ownership of your campaigns, and requires your explicit approval before any campaign, budget, or targeting change takes effect on a live account. You are responsible for complying with each ad platform’s own policies and with all laws applicable to advertising a mortgage or lending product in your jurisdiction, including fair lending and fair housing law.
Our guardrails are a backstop, not a compliance guarantee
Broker AI applies automated checks intended to catch known issues before they reach a live ad account or exceed your stated budget — for example, rules aligned with Meta’s Special Ad Category requirements for credit-related advertising. These checks are a safety backstop, built in good faith, and are not a guarantee of legal or regulatory compliance. You remain solely responsible for the content, targeting, and legality of any advertising, communication, or lead scoring conducted through your connected agent and accounts. This service does not provide legal, compliance, or lending advice.
No client data on our servers
Our product is built so that real client or lead information is never sent to or stored on our servers — that work happens in your own AI agent’s conversation. You agree not to attempt to route real client data through any Broker AI feature designed to hold host configuration only.
Benchmarks across brokers
Broker AI pools each broker’s funded rate, cost per lead and cost per funded file by lead source with other brokers’ in the same province or state, and shows the result only as an average of five or more brokers. No lead, client or individual broker’s figure is shared, and only sources Broker AI itself names take part. This is on by default. You can switch your own numbers out on your Ads page at any time, and a brokerage can switch it off for everyone it covers; either way you keep seeing the benchmarks. Benchmarks are market context, not advice, and are only as complete as the leads brokers record.
Workflows you run elsewhere
You may give Broker AI the address of a workflow you run on another platform and start it from a lead. Broker AI sends that address only the file’s code, stage and source. What the workflow does with it, what it sends, and what it stores are governed by your agreement with that platform, not by these terms; a workflow’s answer of “send” from the message check carries the same limits as any other check. Keep the workflow’s own credentials on that platform; Broker AI does not ask for them.
Subscription and billing
Broker AI is currently offered free during its pilot period. After the pilot, Broker AI (business AI profile and governance) is US$149 a month per broker and Broker AI Growth, which adds Meta and Google advertising, is US$299 a month per broker. Pricing is per broker, not per brokerage; brokerages enrolling 50 or more brokers are offered group pricing. Ad spend is paid to the ad platforms directly, not to us. Billing terms and cancellation policy will be presented before you’re charged, and this section will be updated accordingly.
Acceptable use
You won’t use Broker AI to violate any law, to send unsolicited communications without confirmed consent, to misrepresent your licensing or qualifications, or to attempt to bypass the approval step required before a live ad-platform change executes.
Termination
You may stop using Broker AI and disconnect any connected account at any time. We may suspend or terminate access for violation of these terms or misuse of connected platform access.
Limitation of liability
Broker AI is provided “as is.” To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from your use of the service, including decisions made by your connected AI agent or advertising outcomes on a connected platform.
Changes to these terms
If we make a material change, we’ll update the date at the top and, where practical, notify active brokers directly.
Contact
Questions about these terms: broker@disruptionio.com