Last Updated: 22 December 2025

Welcome to CriterAI. These Terms of Use ("Terms") govern your access to and use of the CriterAI platform, website, and services (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms.

1. Definitions

For the purposes of these Terms:

• "CriterAI", "we", "us", or "our" refers to CriterAI Ltd, a company registered in England and Wales.
• "You", "your", or "User" refers to the individual or entity accessing or using the Service.
• "Platform" refers to the CriterAI web-based application and associated tools.
• "Lender Criteria" refers to mortgage lending criteria and related information provided by mortgage lenders.
• "Content" refers to all data, information, text, software, and materials available through the Service.

2. Acceptance of Terms

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Service.

3. Eligibility

To use the Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Be a registered mortgage broker, mortgage adviser, or lender representative in the United Kingdom, or otherwise have a legitimate professional interest in UK mortgage lending criteria
• Comply with all applicable laws and regulations in your jurisdiction

4. Account Registration and Security

4.1 Account Creation