Terms of Use

1. US-only scope

The service is intended only for US residential mortgage transactions governed by the applicable federal TILA-RESPA Integrated Disclosure framework. The supported comparison pair is a CFPB H-24 Loan Estimate and H-25 Closing Disclosure for the same loan file. The supported currency is USD. Other jurisdictions, currencies, document types, and transaction types are outside the product scope.

2. What the utility does

CloseShield compares amounts and document fields that it can identify in supported disclosures, applies the comparison rules configured for its software version, and prepares a reconciliation sheet and a personal closing-day checklist. Outputs depend on the source documents, classification facts, provider relationships, shopping permissions, revised-estimate history, and other information available to the user.

A mathematical comparison is not a lender determination, government certification, legal conclusion, tax calculation, mortgage underwriting decision, or promise of a particular financial result. A variance display is a prompt to ask the lender for transaction-specific explanation and supporting documentation. You remain responsible for reviewing the original documents and obtaining advice from an appropriately qualified professional when needed.

3. Single-loan-file pass and pricing

The proposed price is $14.99 USD as a one-time consumable pass for one paired H-24 Loan Estimate and H-25 Closing Disclosure from a single loan file. It is intended to provide one TRID Tolerance Reconciliation Sheet and one Closing-Day Verification Certificate for that file. It is not a subscription, does not renew automatically, and does not include a second loan file.

At the time this Gate 0 website is published, its payment-link setting is empty. The current early-access button opens an email handoff only; it does not collect payment or create a paid entitlement. If a checkout link is later enabled, the amount and payment terms will be shown before you authorize payment. Third-party payment providers process payment information under their own terms and privacy notices.

Any pass made available in a future app release will be subject to the purchase terms shown at the point of sale. Save exported reports somewhere you control. With no user account or cloud database, an entitlement or local project state may not transfer to a replacement or reset device.

4. Acceptable use and user responsibilities

• Use only documents you are authorized to access and compare.
• Check that the H-24 and H-25 files relate to the same transaction and use USD amounts.
• Review all source figures and ask your lender about incomplete, changed, or unclear items.
• Do not rely on a preview, generated question, or checklist as a substitute for the original disclosure or a professional review.
• Do not send borrower PDFs, loan account identifiers, or property addresses to the Gate 0 website or support email.

5. Availability and changes

The Gate 0 website is an early-access demand-validation page. The mobile import, local PDF extraction, reconciliation engine, purchase flow, and PDF export are planned product capabilities and are not represented as available through this website. Features, model support, and fees may change before a general release. The service may be interrupted, modified, or withdrawn.

6. Disclaimer and limitation of liability

To the maximum extent permitted by applicable law, the service is provided on an “as available” and “as is” basis, without warranties of uninterrupted operation, error-free extraction, completeness, or fitness for a particular decision. CloseShield does not control the accuracy of lender disclosures or third-party data.

To the maximum extent permitted by applicable law, CloseShield and its operators will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, loss of data, loss of anticipated savings, transaction delay, or a decision made in reliance on a comparison output. To the extent liability cannot be excluded, aggregate direct liability for a paid pass will not exceed the amount paid for that pass. Nothing in these terms excludes a right or liability that cannot lawfully be excluded or limited.

7. Contact

Questions about these terms can be sent to support@seeitasone.com.