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Terms of Service

Last Updated: September 7, 2026

1. Acceptance of Terms

By accessing or using the BrokerFuel platform, website, or any related services (the "Services"), you agree to be bound by these Terms of Service. If you don't agree with any part of these terms, please don't use the Services.

These terms apply to all users of the platform, including individual members, coaching program participants, and administrators.

2. Our Services

DIFRNT Coaching provides BrokerFuel, a membership platform for mortgage loan officers that includes:

  • Coaching content, video lessons, and training series
  • Club 75, a private, invite-only coaching archive
  • Pathfinder, a self-reported income and production goal-tracking tool
  • Vessel, a tool that lets members generate shareable loan comparison summaries for their own clients
  • A weekly call schedule, resource library, and related member tools

We may modify, add, or discontinue features at any time. We'll make reasonable efforts to notify you of significant changes.

3. Accounts & Registration

Access to BrokerFuel is by invitation only. Accounts are created either directly by DIFRNT Coaching administrators or automatically when you're identified as an eligible member through our systems. There is no public, self-service sign-up.

By using your account, you agree to:

  • Provide accurate and complete information
  • Keep your login credentials secure
  • Notify us promptly if you suspect unauthorized access to your account
  • Accept responsibility for all activity under your account

We reserve the right to suspend or terminate accounts that violate these terms or are inactive for an extended period.

4. Acceptable Use

You agree to use the platform lawfully and responsibly. You may not:

  • Violate any applicable laws or regulations, including mortgage industry regulations and licensing requirements applicable to your business
  • Upload malicious code, viruses, or harmful content
  • Attempt to gain unauthorized access to our systems or other members' accounts
  • Resell, redistribute, or sublicense access to the platform without our written permission
  • Use the platform in any way that could damage, disable, or impair our services
  • Upload client or borrower information you don't have the right to share, or use the Vessel tool to generate a comparison link without appropriate authorization from the client whose information is included

You are responsible for ensuring your use of the platform, and any content you generate through it (including Vessel comparison links), complies with all applicable laws, including mortgage advertising, disclosure, and communication regulations in your jurisdiction.

5. Billing & Payments

Access to BrokerFuel may be provided in one of two ways, depending on how you joined: as a direct recurring subscription billed through the platform, or as a feature included with a DIFRNT Coaching program you've separately enrolled in. Which applies to you depends on your specific enrollment.

Where a direct subscription applies:

  • Subscriptions are billed on a recurring basis (monthly or annually, depending on your plan)
  • Payment is due at the start of each billing cycle
  • We use a PCI-compliant third-party payment processor to handle transactions securely; we do not store your full payment card number
  • Prices may change with at least 30 days' notice before your next billing cycle
  • You are responsible for any applicable taxes
  • If a payment fails, we may retry the charge or suspend your account until the balance is resolved

Where access is bundled with a coaching program, billing terms are governed by the agreement for that program, not by this section.

6. Cancellation & Refunds

For direct subscriptions, you can cancel at any time. Cancellations take effect at the end of your current billing period, and you'll retain access until then. We do not provide prorated refunds for partial billing periods.

If access was bundled with a coaching program, cancellation and refund terms follow that program's own agreement.

If you believe you've been charged in error, contact us at frazier@brokercmo.com and we'll make it right.

7. Your Content & Data

You retain ownership of any content, data, or materials you upload to the platform ("Your Content"), including spreadsheets uploaded to Vessel and information entered into Pathfinder. By using the Services, you grant us a limited license to host, store, and process Your Content solely to provide the Services.

You are responsible for:

  • Ensuring you have the rights to use and upload Your Content, including any client or borrower information
  • The accuracy of any figures you self-report (such as in Pathfinder) or upload for a client comparison (such as in Vessel)
  • Maintaining your own records of anything you consider important, since some content, including Vessel comparisons, is automatically and permanently deleted after a limited time (see our Privacy Policy)

We will not access, use, or share Your Content except as needed to operate the Services, or as required by law.

8. Intellectual Property

The BrokerFuel platform, website, branding, coaching content, frameworks, and documentation are the intellectual property of DIFRNT Coaching (or licensed to us). You may not copy, modify, distribute, or create derivative works from our materials without written permission.

Coaching content, templates, and frameworks provided through the platform are licensed for your personal use within the platform only. They may not be resold, redistributed, or used to create a competing product or service.

9. Third-Party Services

Our platform is built on and integrates with third-party services, including our cloud hosting provider, our CRM/automation provider, video conferencing for live calls, and video hosting platforms used to embed coaching content. Your use of features involving these services is also subject to their respective terms.

We are not responsible for the availability, performance, or policies of third-party services. If a third-party provider changes or discontinues their service, it may affect functionality available to you through BrokerFuel.

10. Disclaimers

The Services are provided "as is" and "as available." We make no warranties, express or implied, regarding:

  • The platform being uninterrupted, error-free, or secure at all times
  • The results you'll achieve using the platform or the coaching content within it
  • The accuracy of self-reported figures in tools like Pathfinder, or of loan comparison data generated through Vessel from information you supply

Vessel-generated comparisons are provided as a communication tool for your own use with your own clients. They are not financial advice, a loan estimate, a closing disclosure, or any other legally required mortgage disclosure, and should not be relied upon as such. You are solely responsible for the accuracy of any figures you input and for ensuring any communication with your clients complies with applicable disclosure requirements.

11. Limitation of Liability

To the maximum extent permitted by law, DIFRNT Coaching and its owners, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, whether incurred directly or indirectly.

Our total liability for any claim related to the Services is limited to the amount you paid us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless DIFRNT Coaching, its owners, employees, and affiliates from any claims, damages, or expenses (including reasonable attorney fees) arising from your use of the platform, your violation of these terms, any content you upload (including through Vessel or Pathfinder), or your infringement of any third-party rights.

13. Termination

We may suspend or terminate your access to the platform if you violate these terms, fail to pay (where a direct subscription applies), or for any other reason with reasonable notice. Upon termination:

  • Your right to use the platform ends immediately
  • We may delete your data after a reasonable retention period (see our Privacy Policy)
  • Any outstanding fees remain due

You may request an export of your data before termination takes effect by contacting us at frazier@brokercmo.com.

14. Governing Law

These terms are governed by the laws of the State of Georgia, without regard to conflict of law principles. Any disputes arising from these terms or your use of the Services will be resolved in the courts of Georgia.

15. Changes to These Terms

We may update these Terms of Service from time to time. When we make changes, we'll update the "Last Updated" date at the top of this page. Continued use of the Services after changes are posted constitutes your acceptance of the updated terms.

For significant changes, we'll make reasonable efforts to notify you via email or through the platform.

16. Contact Us

Questions about these terms? Get in touch:

DIFRNT Coaching

Georgia

Email: frazier@brokercmo.com