By accessing or using StatementPull ("the Service"), operated by Lexcrypta LLC ("Lexcrypta", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms apply to all users of the Service, including mortgage brokers ("Brokers") who hold accounts and borrowers ("Borrowers") who access the Service through a Broker-generated link.
Please read these Terms carefully. Section 11 contains a limitation of liability clause and Section 12 contains an indemnification clause that affect your legal rights.
StatementPull is a financial technology platform that enables licensed mortgage brokers to request verified bank statements from their borrowers. The Service works as follows:
The Service is designed exclusively for use in connection with legitimate residential mortgage applications in the United States.
To register as a Broker, you must:
To use the Borrower connect flow, you must:
Brokers are responsible for maintaining the security of their account credentials. You must:
You are responsible for all activity that occurs under your account. Lexcrypta is not liable for any loss resulting from unauthorized use of your account where you have failed to safeguard your credentials.
Brokers may use the Service only for their own borrowers in connection with bona fide mortgage applications. Sharing account access with other brokers or using the Service on behalf of third parties without authorization is prohibited.
By completing the bank connection flow, Borrowers expressly consent to:
Borrowers acknowledge that:
StatementPull uses Plaid Inc. ("Plaid") to facilitate bank connections. By using the Borrower connect flow, you agree to Plaid's End User Privacy Policy and Terms of Use.
Plaid operates independently of StatementPull. We are not responsible for Plaid's services, availability, or data practices. If you have questions about how Plaid handles your data, please refer to Plaid's legal documentation directly.
Important: StatementPull never receives, stores, or transmits your bank login credentials. All credential entry happens within Plaid's secure interface, which is governed by Plaid's own security standards and certifications.
The Service is offered on a pay-per-pull basis at $9.99 per statement pull. New Broker accounts receive 3 complimentary pulls at no charge.
All payments are processed by Stripe Inc. By adding a payment method, you authorize Lexcrypta to charge your card $9.99 for each statement pull after your complimentary pulls are exhausted. Charges are applied automatically upon successful statement delivery.
Because the Service delivers a digital product (a verified bank statement PDF) upon completion, all charges are generally non-refundable once a pull has been successfully delivered. If you believe a charge was made in error, contact us within 7 days at billing@statementpull.com and we will review your case.
If a payment fails, we will notify you via email. Access to paid pulls will be suspended until a valid payment method is on file.
You are responsible for any applicable taxes on your purchases. Prices shown are exclusive of taxes unless otherwise stated.
You agree not to use the Service to:
Violation of these prohibitions may result in immediate account termination and may subject you to legal liability.
All content, software, trademarks, logos, and other materials comprising the StatementPull Service are the property of Lexcrypta LLC or its licensors and are protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service solely in accordance with these Terms. You may not copy, modify, distribute, sell, or create derivative works from any part of the Service without our express written consent.
The "StatementPull" name and logo, and the "Lexcrypta" name and logo, are trademarks of Lexcrypta LLC.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Specifically, Lexcrypta does not warrant that:
StatementPull is a technology intermediary only. We do not provide mortgage advice, financial advice, or legal advice. Brokers are solely responsible for complying with all applicable laws and regulations in their use of the Service.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LEXCRYPTA LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total cumulative liability to you for any claims arising from or related to the Service shall not exceed the greater of (a) the total amount paid by you to Lexcrypta in the 12 months preceding the claim, or (b) $100 USD.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.
You agree to indemnify, defend, and hold harmless Lexcrypta LLC and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:
Lexcrypta reserves the right to suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including but not limited to violation of these Terms, suspected fraudulent activity, or extended inactivity.
You may cancel your account at any time by contacting us at support@statementpull.com. Upon cancellation, your access to the Service will cease. Any outstanding charges remain due.
Sections 9 (Intellectual Property), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), and 14 (Governing Law) survive termination.
These Terms are governed by the laws of the State of Michigan, United States, without regard to its conflict of law provisions.
Any dispute arising from or related to these Terms or the Service shall first be subject to good-faith negotiation between the parties. If unresolved within 30 days, disputes shall be submitted to binding arbitration under the rules of the American Arbitration Association (AAA), conducted in Michigan.
You waive any right to participate in a class action lawsuit or class-wide arbitration against Lexcrypta.
Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction.
We reserve the right to modify these Terms at any time. We will notify Brokers of material changes via email at least 14 days before they take effect. For non-material changes, we will update the "Last Updated" date and your continued use of the Service constitutes acceptance.
It is your responsibility to review these Terms periodically. The most current version will always be available at statementpull.com/terms.
For questions about these Terms of Service: