01. Binding Agreement & Eligibility

You must be at least eighteen (18) years old and legally capable of forming binding contracts in the United States. Where you access OriginVera on behalf of an underwriting institution, insurer, or servicer, you warrant that you possess authority to bind that entity.

02. Assurance Services & Returning Portal Scope

OriginVera furnishes multi-source residential address corroboration, household roster reconciliation, occupancy status confirmation, and quarterly residence monitoring for credentialed enterprises, alongside a secure returning portal at /login where invited subjects and returning applicants can authenticate records and execute electronic disclosures.

03. Permissible Purpose & Consent Mandate

Institutional users may commission OriginVera dossiers exclusively for lawful, documented underwriting, claims verification, risk servicing, benefit eligibility, or court-authorized compliance purposes. Where the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) or state equivalents govern your use of a finding, you covenant to obtain prior written consumer authorization and deliver all required pre-adverse and adverse-action notices.

04. Strictly Prohibited Conduct

• Commissioning or attempting any lookup for personal curiosity, harassment, stalking, domestic disputes, or locating individuals outside a documented commercial transaction;
• Misrepresenting corporate affiliation, permissible purpose, or subject consent;
• Scraping, bulk harvesting, reverse engineering, or probing OriginVera APIs or gateway endpoints without written authorization;
• Reselling or redistributing OriginVera dossiers outside your contracted organization.

05. Optional Returning Partner Referral Service

OriginVera is not a depository bank, direct consumer lender, or loan broker. When a returning applicant utilizes /login to request connection with third-party financial providers, OriginVera acts solely as a referral conduit under the applicant's explicit E-Sign authorization. All credit evaluations, APRs, fee schedules, and funding agreements are determined solely by participating third-party partners.

06. Evidentiary Nature of Dossiers

Assurance reports synthesize registry records and field observations as of the recorded timestamp. Because household residency can shift after inspection, a corroborated dossier constitutes contemporaneous evidence rather than a perpetual warranty of future occupancy. Final underwriting and eligibility determinations rest exclusively with the commissioning institution.

07. Proprietary Rights

All software, ledger schemas, custom cryptographic seals, graphics, and documentation on originvera.com remain the exclusive intellectual property of OriginVera Assurance LLC.

08. Disclaimers & Limitation of Liability

EXCEPT AS EXPRESSLY STATED IN AN EXECUTED ENTERPRISE MASTER AGREEMENT, THE PLATFORM IS FURNISHED "AS IS" AND "AS AVAILABLE" WITHOUT IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ORIGINVERA'S TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE FEES PAID BY YOUR ORGANIZATION TO ORIGINVERA DURING THE PRECEDING TWELVE (12) MONTHS, AND IN NO EVENT SHALL ORIGINVERA BE LIABLE FOR INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

09. Governing Law & Venue

Substantive Delaware statutory and common law governs this Agreement, excluding any choice-of-law rules that would invoke another jurisdiction. Any judicial proceeding arising out of these Terms shall be brought exclusively in the state or federal courts sitting in New Castle County, Delaware, following a thirty (30) day good-faith written resolution period.

10. Legal Notices

OriginVera Assurance LLC
1105 N Market St, Suite 1300, Wilmington, DE 19801
Email: [email protected] · Phone: (888) 912-4630