About This App
Ask Dave! is your personal AI mortgage assistant, built and owned by trusted mortgage expert David Krichmar aka Dave Your Mortgage Guy. This app is designed to help you make smarter decisions by answering your mortgage questions 24/7 — from loan types and credit requirements to closing costs, loan guidelines and even gives you mortgage payments for a specific home. Backed by Dave’s 20+ years of experience and the latest in AI technology, Ask Dave! is your go-to resource for the True answers
David Krichmar
Loan Officer- NMLS #293883
DaveYourMortgageGuy.com
832-689-6012
NMLS #293883
Legend Lending Corporation NMLS #229421
Terms of Service
Effective Date: 4/11/25
App Name: Ask Dave! – AI Mortgage Assistant
Owner/Operator: Dave Your Mortgage Guy (David Krichmar)
- Acceptance of Terms
By accessing or using the Ask Dave! app (“the App”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the App. We reserve the right to update or change these Terms at any time without prior notice. Continued use of the App after any changes constitutes acceptance of the new Terms.
- Purpose of the App
The App is designed to provide general information about mortgage topics through AI-powered technology. It is not a substitute for professional mortgage advice, legal counsel, or financial planning. Responses are for educational and informational purposes only.
- Eligibility
You must be at least 18 years old and reside in the United States to use the App. By using the App, you represent and warrant that you meet these requirements.
- User Responsibilities
You agree to use the App only for lawful purposes. You are responsible for:
– Ensuring that any information you input is accurate and lawful.
– Not misusing, hacking, or attempting to reverse engineer the App.
– Not using the App to make mortgage decisions without consulting a licensed mortgage professional.
- No Guarantee of Accuracy
The App uses AI to generate mortgage information based on general knowledge and guidelines. While we strive to provide accurate and up-to-date information, we do not guarantee the completeness, reliability, or accuracy of any content generated by the App.
Always consult with a licensed mortgage professional before making any real estate or loan decisions.
- Privacy & Data Use
We respect your privacy. Any personal information collected will be handled in accordance with our Privacy Policy. By using the App, you consent to:
– The collection of non-sensitive user data for the purpose of improving AI performance.
– Receiving automated responses based on the questions you submit.
- Intellectual Property
All content, features, and functionality of the App, including but not limited to logos, branding, AI responses, and software, are the exclusive property of Dave Your Mortgage Guy or its licensors.
- Limitation of Liability
The App and all its content are provided “as is” without warranty of any kind. Under no circumstances shall Dave Your Mortgage Guy, its affiliates, or its developers be liable for any direct or indirect damages resulting from the use of the App.
- Termination
We reserve the right to suspend or terminate access to the App at any time, for any reason, including but not limited to violations of these Terms.
- Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of Texas, without regard to its conflict of law principles.
- Contact Us
For questions about these Terms or the App, contact:
📧 dave@daveyourmortgageguy.com
🌐 www.daveyourmortgageguy.com
David Krichmar
Loan Officer- NMLS #293883
DaveYourMortgageGuy.com
832-689-6012
NMLS #293883
Legend Lending Corporation NMLS #229421
Privacy Policy
Effective Date: 4/11/25
App Name: Ask Dave! – AI Mortgage Assistant
Owner/Operator: Dave Your Mortgage Guy (David Krichmar)
- Introduction
Ask Dave! (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect the data you provide when using our AI-powered mortgage assistance app (“the App”).
By using the App, you agree to the practices described in this Privacy Policy.
- Information We Collect
We may collect the following types of information:
- User-Provided Information
– Questions or prompts entered into the AI system.
– Optional feedback or contact details submitted through forms.
– Information provided for customer service or support. - Automatically Collected Data
– App usage data (e.g., feature interactions, time spent in-app).
– Device information (e.g., device type, OS version, IP address).
– Diagnostic logs and performance data. - Non-Sensitive Mortgage Information
When relevant to your questions, you may voluntarily input general mortgage-related details (e.g., home price, down payment). We do not collect Social Security Numbers, bank account info, or other sensitive personal data. - How We Use Your Information
We use the collected information to:
– Provide accurate and helpful responses through AI.
– Improve the performance, reliability, and accuracy of the App.
– Communicate with users regarding updates or support inquiries.
– Conduct internal analysis and app development.
- Data Storage and Retention
We retain non-personally identifiable usage data to improve AI accuracy and user experience. Any identifiable user data voluntarily provided (e.g., email address for support) is securely stored and retained only as long as necessary to fulfill the purpose.
- Data Sharing and Disclosure
We do not sell, rent, or trade your personal data. We may share limited anonymized data with trusted service providers strictly for app performance, analytics, or legal compliance purposes.
- Third-Party Services
The App may use third-party tools (e.g., analytics, cloud hosting) that have access to limited data necessary to perform their services. These providers are required to maintain confidentiality and data security.
- Your Rights and Choices
You may:
– Request access or deletion of your personal data by contacting us.
– Opt out of optional communications.
– Choose not to submit identifiable information when using the App.
- Security
We implement industry-standard security measures to protect your data from unauthorized access, misuse, or disclosure. However, no method of electronic storage or transmission is 100% secure.
- Children’s Privacy
The App is not intended for individuals under the age of 18. We do not knowingly collect data from children.
- Changes to This Policy
We may update this Privacy Policy occasionally. Users will be notified of significant changes via the App or email. Continued use of the App after such changes constitutes acceptance of the updated policy.
- Contact Us
If you have questions or concerns regarding this Privacy Policy, contact us at:
📧 dave@daveyourmortgageguy.com
🌐 www.daveyourmortgageguy.com
David Krichmar
Loan Officer- NMLS #293883
DaveYourMortgageGuy.com
832-689-6012
NMLS #293883
Legend Lending Corporation NMLS #229421
