By accessing or using StatementPull ("the Service"), operated by Lexcrypta LLC ("Lexcrypta", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms apply to all users of the Service, including mortgage brokers ("Brokers") who hold accounts and borrowers ("Borrowers") who access the Service through a Broker-generated link.
Please read these Terms carefully. Section 11 contains a limitation of liability clause and Section 12 contains an indemnification clause that affect your legal rights.
StatementPull is a financial technology platform operated under the Lexcrypta brand. It offers the following products to licensed US mortgage brokers and their borrowers:
The core StatementPull service. The Broker initiates a statement order from their dashboard; the Borrower receives a secure, time-limited connect link; the Borrower connects their bank account via Plaid; Plaid generates a verified asset report (bank statement PDF); and StatementPull transmits that PDF directly to the Broker's registered email address. The PDF is never stored on StatementPull's servers.
Charged to: Broker, per order, after successful PDF delivery. New accounts receive complimentary orders at no charge.
An optional add-on service that processes verified transaction data retrieved via Bank Connect and classifies every deposit by origin — including employment income, rental income, business revenue, gift funds, inter-account transfers, and cryptocurrency proceeds. The output is a structured source of funds declaration for attachment to a mortgage application. Powered by a proprietary classification system operated by Lexcrypta LLC.
Charged to: Borrower, directly, from within the connect portal.
An optional add-on service that traces cryptocurrency exchange transactions across supported blockchains, bridges on-chain activity to corresponding fiat bank deposits, and produces a forensic chain-of-custody document designed to meet the Fannie Mae B3-4.1-04 evidencing standard as required following the FHFA's June 2025 directive on cryptocurrency as a mortgage reserve asset.
Charged to: Broker, per verification request.
Service availability: Bank Connect is live and available to all registered Brokers. Lexi Analysis and Crypto Verification are in development and not yet available. These Terms govern all three products and apply to each from the date it becomes available.
Scope: All products are designed exclusively for use in connection with legitimate residential mortgage applications in the United States.
To register as a Broker, you must:
To use the Borrower connect flow, you must:
Brokers are responsible for maintaining the security of their account credentials. You must:
You are responsible for all activity that occurs under your account. Brokers may use the Service only for their own borrowers in connection with bona fide mortgage applications. Sharing account access with other brokers or using the Service on behalf of third parties without authorization is prohibited.
By completing the bank connection flow, Borrowers expressly consent to:
All Borrowers acknowledge that:
StatementPull uses Plaid Inc. ("Plaid") to facilitate bank connections. By using the Borrower connect flow, you agree to Plaid's End User Privacy Policy and Terms of Use.
Plaid operates independently of StatementPull. We are not responsible for Plaid's services, availability, or data practices.
Important: StatementPull never receives, stores, or transmits your bank login credentials. All credential entry happens within Plaid's secure interface, governed by Plaid's own security standards and certifications.
Lexcrypta reserves the right to update pricing with 14 days' notice to active Brokers.
All payments are processed by Stripe Inc. By adding a payment method, you authorize Lexcrypta to charge your saved card for each chargeable service after your complimentary orders are exhausted. Charges are applied automatically upon successful delivery.
Because all products deliver digital outputs upon completion, charges are generally non-refundable once a product has been successfully delivered. If you believe a charge was made in error, contact us within 7 days at support@statementpull.com and we will review your case.
If a payment fails, we will notify you by email. Access to paid orders will be suspended until a valid payment method is on file.
You agree not to use the Service to:
Violation of these prohibitions may result in immediate account termination and may subject you to legal liability.
All content, software, trademarks, logos, and other materials comprising the StatementPull Service are the property of Lexcrypta LLC or its licensors and are protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service solely in accordance with these Terms. The "StatementPull" name and logo, and the "Lexcrypta" name and logo, are trademarks of Lexcrypta LLC.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
StatementPull is a technology intermediary only. We do not provide mortgage advice, financial advice, or legal advice. Brokers are solely responsible for complying with all applicable laws and regulations in their use of the Service.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LEXCRYPTA LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.
Our total cumulative liability to you for any claims arising from or related to the Service shall not exceed the greater of (a) the total amount paid by you to Lexcrypta in the 12 months preceding the claim, or (b) $100 USD.
You agree to indemnify, defend, and hold harmless Lexcrypta LLC and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:
Lexcrypta reserves the right to suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including but not limited to violation of these Terms or suspected fraudulent activity.
You may cancel your account at any time by contacting us at support@statementpull.com. Any outstanding charges remain due. Sections 9, 10, 11, 12, and 14 survive termination.
These Terms are governed by the laws of the State of Michigan, United States, without regard to its conflict of law provisions.
Any dispute arising from or related to these Terms shall first be subject to good-faith negotiation between the parties. If unresolved within 30 days, disputes shall be submitted to binding arbitration under the rules of the American Arbitration Association (AAA), conducted in Michigan. You waive any right to participate in a class action lawsuit or class-wide arbitration against Lexcrypta.
We reserve the right to modify these Terms at any time. We will notify Brokers of material changes via email at least 14 days before they take effect. The most current version will always be available at statementpull.com/terms.
We aim to respond to all inquiries within 2 business days.
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