Last updated August 11, 2026

Lighthouse is a software tool that uses artificial intelligence ("Lh Logic") to help users understand mortgage-related documents and concepts. Lighthouse is an informational and educational tool only. It is not a mortgage lender, servicer, broker, financial institution, law firm, or licensed financial advisor, and does not originate, service, broker, or underwrite loans.

Lighthouse Companies, LLC is an independent, standalone entity. Lighthouse is not owned by, operated by, endorsed by, or affiliated with any mortgage lender, loan servicer, bank, credit union, or other financial institution referenced within the Service or its output, including any servicer identified through the Servicer Lookup tool or named in a generated letter. Mentions of specific lenders or servicers are for informational and identification purposes only and do not imply any partnership, endorsement, or business relationship.

Nothing provided by Lighthouse constitutes professional mortgage, financial, legal, or tax advice. No advisor-client or fiduciary relationship is created. Always verify information independently and consult a licensed professional before making financial decisions.

Lighthouse uses large language model technology, which may contain errors, omissions, or outdated information, and can misread uploaded documents. AI systems can produce plausible-sounding but incorrect output. You assume all risk of relying on any output from Lighthouse.

You agree to use Lighthouse only for lawful purposes, to only upload documents you have the right to upload, and not to attempt to reverse-engineer, scrape, overload, or interfere with the Service.

You retain ownership of anything you upload. See the Privacy Policy below for what's collected and how it's handled.

Lighthouse Pro is a one-time payment that grants 365 days of access from the date of purchase. It is not an auto-renewing subscription — your card is never charged again automatically, and no notice is sent before access lapses. If you want to keep using Pro features after your year ends, you must return and pay again at whatever the price is at that time; a lapse does not entitle you to your original price. Payments are processed by Stripe, Inc.; Lighthouse never receives or stores your full card number. Because Lighthouse has no accounts or passwords, Pro access is tied to the email address used at checkout, which you can re-enter to restore access on a new device. All purchases are final; we do not offer refunds except where required by law, and price changes do not affect a purchase already completed.

Lighthouse, its name, logo, design, and underlying software are the property of Lighthouse Companies, LLC, protected by copyright, trademark, and other applicable laws.

Lighthouse is provided "as is" and "as available," without warranties of any kind, including accuracy or fitness for a particular purpose. We do not warrant the Service will be uninterrupted, error-free, or that AI output will be accurate or complete.

To the maximum extent permitted by law, Lighthouse Companies, LLC and Lighthouse are not liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, data, or financial loss arising from your use of the Service. Your sole remedy for dissatisfaction is to stop using it.

You agree to indemnify and hold harmless Lighthouse Companies, LLC from claims, damages, or expenses arising from your use of the Service or violation of these Terms.

Lighthouse uses Google's Gemini API to generate AI responses, and Stripe, Inc. to process Lighthouse Pro payments. We are not responsible for the availability, accuracy, or practices of these or other third-party providers.

We may modify or discontinue the Service, or these Terms, at any time. We may suspend or terminate access for any reason, including a violation of these Terms. These Terms are governed by the laws of the State of Arizona.

Last updated August 10, 2026

Documents you upload and data extracted from them, messages you send to Lh Logic, and any notes or saved loans you enter. We do not collect Social Security numbers or full account numbers, and currently require no account or login.

Lighthouse primarily stores your data in your browser's local storage, on your own device. This means your saved loans, documents, and chat history persist on the device you used, and aren't synced across devices or accessible by us directly. The one exception is Lighthouse Pro: if you purchase it, we store the email address you provide at checkout and confirmation the purchase went through, so Pro can be restored on other devices. That's the only information about you stored on our servers.

Uploaded content and chat messages are sent to Google's Gemini API for processing, solely to generate the analysis, chat responses, and letters Lighthouse provides. We do not sell your personal information.

Document content and chat messages are sent to Google's Gemini API for AI processing, governed by Google's own data practices.

Payments for Lighthouse Pro are handled entirely by Stripe, Inc. We never receive or store your full card number. The email address you use at checkout and confirmation of your purchase are stored on our servers solely to activate and restore Pro — not for marketing, and never shared beyond what's needed to process the purchase.

Because data is primarily stored in your browser's local storage, it persists until you clear it. We do not retain copies of your documents or chat history on our servers beyond real-time processing. Your Lighthouse Pro purchase record is retained until you request its deletion.

You can exercise most data rights yourself by clearing your browser's local storage. California residents have rights under the CCPA, including the right to know, delete, and opt out of sale of personal information — we do not sell personal information. To delete your Lighthouse Pro purchase record specifically, contact us below.

Lighthouse is not directed to children under 13, and we do not knowingly collect information from them.

We take reasonable measures to protect data in transit and rely on standard browser security for locally stored data. No method of transmission or storage is 100% secure.

Lighthouse Companies, LLC is an independent, standalone entity. Lighthouse is not owned by, operated by, endorsed by, or affiliated with any mortgage lender, loan servicer, bank, credit union, or other financial institution referenced within the app or its output, including any servicer identified through the Servicer Lookup tool or named in a generated letter. Mentions of specific lenders or servicers are for informational and identification purposes only and do not imply any partnership, endorsement, or business relationship.

Lighthouse is an AI-powered mortgage advisor built to give everyday borrowers — especially first-time buyers and Spanish-speaking homeowners — the clarity and tools to navigate one of the most important financial decisions of their lives. Powered by Lh Logic, a specialized AI that knows federal mortgage law, agency guidelines, borrower rights, and servicer practices.

Lighthouse is not a licensed lender, mortgage broker, financial advisor, or attorney. It does not provide official loan quotes, rate locks, or legal advice. Everything Lh Logic tells you is educational — always verify with a licensed professional before making financial decisions.

Loan profiles and session history are stored only in your browser's local storage — they never leave your device. When you send a message to Lh Logic, that message and your loan context are sent to Google's Gemini API to generate a response. The one exception is Lighthouse Pro: if you purchase it, your checkout email and purchase confirmation are stored on our servers so Pro can be restored on other devices — see Settings > Terms & Privacy for details.