Terms of service for Otticos

Otticos is business software for rent operations, property workflow, and related communications provided by Temp and Major Inc.. You may use the service only if you can form a binding agreement and, when acting for an organization, have authority to bind that organization to these terms.

Workspace owners and administrators are responsible for who they invite, what permissions they grant, and whether their organization is allowed to use Otticos for the workflows it chooses to run.

Users must provide accurate information, maintain the confidentiality of their credentials, and promptly notify Otticos if they suspect unauthorized access, compromised accounts, or other security issues.

You may not share accounts in a way that defeats auditability or role-based access controls.

You may not use Otticos for fraud, harassment, unlawful discrimination, unauthorized surveillance, malware distribution, scraping that bypasses product controls, or attempts to defeat security, rate limits, or access restrictions.

You are responsible for using the platform in compliance with housing, privacy, payments, communications, employment, screening, and consumer-protection laws that apply to your workflow.

You keep responsibility for the information, documents, messages, listings, and application content you or your organization submit to Otticos. You grant Otticos the rights reasonably needed to host, process, transmit, secure, and display that content in order to operate the service.

If you publish rental listings or collect applications through Otticos, you are responsible for the accuracy of the listing, the legality of your screening process, required notices and disclosures, and any decision you make about an applicant.

Otticos provides workflow tools and recordkeeping for rental operations. Otticos is not your landlord, property manager, broker, insurer, bank, background-screening agency, or legal advisor, and we do not make tenancy decisions for you.

Users who advertise housing or review applicants remain responsible for fair-housing compliance, objective screening criteria, accommodation handling, adverse-action obligations where applicable, and any jurisdiction-specific landlord-tenant rules.

Where an identified professional and sponsoring company are configured for your states, you may request contact for yourself about a purchase, refinance, investment property or general mortgage question. This form is for contact inquiries only: it does not accept credit applications, pull credit, make underwriting decisions, provide rates or promise approval. Any later application must use the professional’s separately authorized process and required disclosures.

You choose email or manually dialed calls for the inquiry and must confirm your email. Another recipient does not receive your inquiry unless you separately authorize that named partner. There is no obligation to use a listed provider. Partners are displayed alphabetically within recorded service states; listing is not a recommendation, complete market comparison or guarantee of licensing or loan availability. You can verify licensing with NMLS Consumer Access.

Operators and professionals must maintain applicable individual, company and platform licensing, sponsorship approval, state advertising disclosures, privacy and security controls, fair-lending practices and contact permissions. An individual MLO license does not by itself authorize the platform’s lead-generation activity in every state. This workflow does not authorize referral fees, compensation for closed loans or paid steering; any business arrangement requires a separate applicable-law review. Legacy investor requests do not grant new contact or referral permission.

Some Otticos features rely on third-party providers such as Stripe for payment processing and Stripe Connect onboarding. Those providers may require separate terms, account review, verification steps, payout holds, reversals, fees, or availability constraints.

Otticos is not responsible for bank delays, processor downtime, payment disputes, chargebacks, reversals, or provider decisions to delay, block, review, or terminate payment capabilities. Connected-account users remain responsible for information they provide to Stripe and for compliance required to receive payouts.

Otticos may send transactional emails or other service communications related to authentication, account administration, product updates, security events, rental applications, payment status, or other legitimate operational needs.

If you use Otticos to contact tenants, applicants, vendors, or payment helpers, you are responsible for obtaining any consent or legal basis required for those communications.

Some features rely on third-party infrastructure such as hosting, authentication, messaging, calling, and monitoring providers. Otticos may update the platform, refine features, or disable risky workflows when security, legal, or operational conditions require it.

Features behind security flags or provider adapters may not be active in every environment and may change as the product evolves.

Otticos may suspend or limit access if we believe an account, organization, or workflow creates security, fraud, abuse, compliance, or legal risk, or if continued access could harm other users or the platform.

You may stop using the service at any time, but records already created inside the service may persist as described in the privacy policy and as required for legal or operational reasons.

To the extent permitted by law, Otticos is provided on an as-is and as-available basis. We do not promise that the service will be uninterrupted, error-free, or suitable for every legal, accounting, screening, payments, or housing workflow.

To the extent permitted by law, Otticos will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, goodwill, or business interruption arising from use of the service or reliance on third-party providers.

We may update these terms as Otticos evolves or legal requirements change. When we do, we will update the date on this page and may provide additional notice when the change is material. Legal notices for Otticos may be sent to Temp and Major Inc., 604 W 60th Street, Chicago, IL 60621.