Mortgage Workflow Addendum

Ottocal provides general scheduling, contact-management, and administrative workflow software. It is not a creditor, lender, mortgage broker, loan originator, application portal, loan-pricing engine, underwriting system, credit-reporting agency, settlement service provider, or system of record for a mortgage application.

Mortgage booking links must be free. Ottocal does not accept an application, quote a rate or APR, recommend a loan product, estimate loan terms, make an eligibility or credit decision, collect application documents, or accept payment for mortgage services.

• The host must provide a valid individual NMLS ID and, where applicable, company NMLS ID.
• The host must identify each U.S. state or jurisdiction in which the host is authorized to conduct the proposed activity.
• A mortgage link may be published only after Ottocal verifies the submitted profile.
• Public booking is limited to property states on the host's verified list.
• The host must promptly update Ottocal if a license expires, is suspended, or changes scope.

Do not request or enter Social Security numbers, dates of birth, bank or card numbers, credit scores, income, assets, debts, proposed loan amount, down payment, monthly payment, tax returns, pay stubs, or other application documents in Ottocal intake forms, responses, notes, transcripts, or AI prompts.

The host remains responsible for the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the SAFE Act and Regulation H or G, RESPA and Regulation X, TILA and Regulation Z, UDAAP restrictions, licensing disclosures, NMLS advertising rules, state mortgage law, and any other requirement applicable to the host's activity.

Ottocal may not be used to steer, rank, exclude, discourage, or treat a person differently based on a protected characteristic, or to publish a rate, payment, approval, or other credit claim without required review and disclosures.

Mortgage AI output is limited to neutral administrative content and may not make a credit decision, provide a rate or loan-term estimate, or recommend a product. Commercial follow-ups require recorded consent and must honor opt-outs. Ottocal does not automatically record or transcribe mortgage booking rooms.

Ottocal may unpublish or suspend a mortgage workflow when licensing, authorization, data handling, advertising, fair-lending, or other compliance concerns arise. Questions and verification documents may be sent to hello@ottocal.com.