PLATFORM ACCESS, TECHNOLOGY SERVICES & COMPLIANCE POLICY

 PLATFORM ACCESS, TECHNOLOGY SERVICES & COMPLIANCE POLICY

 Tag Lending Group, LLC | Mortgage Lender NMLS ID: 2329372
Tag Team Nation, LLC | Marketing Company

Executed: 12/31/2021
Updated 03/01/2026

 

TECHNOLOGY FEE, PLATFORM ACCESS & AUTHORIZATION AGREEMENT

This Technology Fee, Platform Access & Authorization Agreement ("Agreement") is entered into by and between Tag Lending Group, LLC, a Florida limited liability company (NMLS ID: 2329372), and Tag Team Nation, LLC, a Florida limited liability company (collectively, the "Company"), and the undersigned individual ("Employee/Contractor" or "User").

This Agreement supersedes and replaces any prior technology fee acknowledgments or platform access authorizations and is intended to prevent future disputes regarding technology fees, platform access, or system usage.

 

1. Separate Entity Disclosure

Employee/Contractor expressly acknowledges and agrees that:

  • Tag Lending Group, LLC is a licensed mortgage lender and/or broker.
  • Tag Team Nation, LLC is a separate and independent technology and marketing services company.
  • The entities maintain separate ownership, management, bank accounts, and EINs, and are not affiliates, partners, joint venturers, or agents of one another.
  • No portion of loan compensation, broker fees, lender margins, or settlement charges is shared between the entities.

 

2. Mandatory Technology & Platform Access

Employee/Contractor acknowledges that access to Company technology platforms, systems, workflows, and support services is required as a condition of employment or engagement.

Technology access may be administered by Tag Team Nation, LLC or another Company-approved provider meeting technical, security, and compliance standards.

 

3. Systems, Platforms & Third-Party Tools

Employee/Contractor acknowledges access to and authorized use of Company-owned, Company-licensed, or Company-funded systems, including but not limited to:

Customer Relationship Management, Communications & Reviews

  • HubSpot, Inc.
  • RingCentral, Inc.
  • Salesmessage, Inc.
  • Experience.com

Analytics & Website Performance

  • Google Analytics (Google LLC)
  • Better Business Bureau (BBB) website trust and engagement analytics

Advertising & Marketing Measurement

  • Google Ads and Google Marketing Platform (Google LLC)
  • Meta Platforms, Inc. (Facebook and Instagram)
  • LinkedIn Corporation
  • TikTok Inc.
  • Snap Inc. (Snapchat)
  • YouTube
  • X (formerly Twitter)

Internal Operations, Collaboration & Secure Storage

  • Box, Inc. and Box Sign
  • Slack Technologies, LLC

Mortgage & Business Operations Tools (where applicable)

  • Arive Loan Origination System
  • Microsoft Outlook and Microsoft 365 tools
  • QR code intake forms, landing pages, and Company-approved domains
  • Video creation and hosting tools (e.g., Vidyard)

(collectively, the "Company Systems").

Employee/Contractor acknowledges credentials were created, permissions granted, and access enabled consistent with their role, and that availability of access constitutes receipt of value, regardless of subjective usage.

 

 

4. Technology Fee Authorization

Employee/Contractor expressly authorizes a recurring or one-time Technology Fee payable to Tag Team Nation, LLC to cover licensing, maintenance, administration, and access to Company Systems.

The Technology Fee:

  • Is flat-rate and reflects fair market value
  • Is not contingent on loan production or revenue
  • Is not a payment for referrals or preferential treatment
  • Is non-refundable once access is provided, except at the Company’s sole discretion

Authorized Payment Method and Cardholder Requirement
Employee/Contractor agrees that any credit card, debit card, ACH account, or other payment method used to pay the Technology Fee must be owned by:

  • The Employee/Contractor personally, or
  • A business entity owned or controlled by the Employee/Contractor

Use of third-party payment methods without ownership or authorization is prohibited. Employee/Contractor represents and warrants that they are an authorized user of any payment method provided and assumes full responsibility for all charges incurred.

 

Authorization for Commission Garnishment / Offset
Employee/Contractor expressly authorizes, to the fullest extent permitted by applicable law, that any unpaid or past-due Technology Fees may be recovered through deduction, offset, or garnishment from earned commissions, incentive compensation, bonuses, or other non-wage compensation payable to Employee/Contractor.

For 1099 Independent Contractors, such deductions shall be deemed a contractual offset and shall not alter independent contractor status.

For W-2 Employees, any deductions shall:

  • Be subject to the Employee’s prior written authorization as provided herein and any additional written authorization required under applicable state wage laws
  • Comply with all applicable federal and state wage and hour laws
  • Not reduce wages below applicable minimum wage requirements

Payment may be made via ACH, credit card, Zelle, payroll deduction, commission offset, or other Company-approved payment method.

 

Plan Tier Changes
Plan tier upgrades or downgrades may be requested no more than once per calendar quarter. Any approved plan change will take effect at the start of the next billing cycle and will not alter or refund Technology Fees already earned for the current billing period.

 

 

5. Acknowledgment of Access & Waiver of Claims

Employee/Contractor acknowledges and agrees that:

  • Access to Company Systems constitutes receipt of benefit
  • Actual usage of each system is not required
  • The Technology Fee is earned upon provision of access

Employee/Contractor waives any claim alleging lack of access, insufficient benefit, overcharging, or entitlement to refunds, audits, logs, or internal records.

 

6. Access Confirmation and Usage Presumption

Employee/Contractor acknowledges that access to Company Systems is provisioned through credential issuance, role-based permissions, and system enablement, and that such provisioning constitutes delivery of access regardless of the Employee/Contractor’s subjective use, frequency of login, or level of activity.

Employee/Contractor agrees that Company system logs, access records, or administrative data are not required to establish that access was provided, and that the issuance of credentials and enabled permissions shall constitute sufficient evidence that access was provided and value delivered.

 

7. No Reframing of Disputes as Complaints or Concerns

Employee/Contractor agrees that any allegation, complaint, inquiry, or communication asserting improper Technology Fees, lack of access, unfair treatment, or entitlement to reimbursement — regardless of how framed — shall be deemed a dispute under this Agreement.

Recharacterizing disputes as “concerns,” “requests,” “questions,” or “reports” shall not alter the binding effect of this Agreement or revive any waived claims.

 

8. No Disputes; No Chargebacks

Employee/Contractor agrees not to:

  • Initiate chargebacks or payment disputes
  • Demand internal logs, analytics, or accounting records except as required by applicable law
  • Condition payment on production of internal system data

All Technology Fees are final and non-refundable unless expressly agreed to in writing.

 

9. Interns and Promotional Free Access Periods

Interns participating in Company internship programs are provided access to Company Systems at no cost, and no Technology Fee is charged during the internship period.

In certain cases, the Company may offer promotional free access periods (for example, one (1) or two (2) months of free access) to employees or contractors. Employee/Contractor expressly acknowledges and agrees that:

  • Any such promotional free access is provided at no charge during the promotional period, and the value of such access shall be determined by the Company in its sole discretion
  • Company system logs, access records, and billing records accurately reflect whether fees were charged
  • Acceptance of a promotional free access period constitutes acknowledgment that no Technology Fee was charged during that period

Employee/Contractor waives any future claim, allegation, or dispute asserting that Technology Fees were improperly charged during any documented free or promotional access period.

 

10. Data Ownership, Confidentiality & Post-Separation Obligations

All Company Systems, data, records, credentials, workflows, and configurations are the exclusive property of the Company and/or its licensors.

Upon separation:

  • All access will be terminated
  • All Company data must be deleted or returned
  • No copies, screenshots, exports, or references may be retained

 

11. No Refund Upon Termination or Separation

Employee/Contractor expressly acknowledges and agrees that the Technology Fee is earned upon provision of access to Company Systems.

In the event of termination, resignation, non-renewal, suspension, or separation for any reason, whether voluntary or involuntary, Employee/Contractor:

  • Shall have no right to a refund, reimbursement, credit, or proration of any Technology Fee paid or accrued
  • Waives any claim that termination or reduced access entitles them to repayment of Technology Fees

Termination or separation does not negate the obligation to pay any outstanding Technology Fees incurred during periods in which access was provided.

 

12. Post-Separation Waiver of Technology Fee Challenges

Employee/Contractor expressly agrees that upon termination, resignation, suspension, or separation for any reason, all rights to dispute, challenge, audit, offset, charge back, or seek reimbursement of any Technology Fees assessed or accrued during periods of access are irrevocably waived.

Any post-separation demand for refunds, records, or reimbursement related to Technology Fees shall constitute a breach of this Agreement.

 

13. Compliance & Regulatory Alignment

This Agreement is intended to comply with RESPA Section 8, the SAFE Act, CFPB UDAAP standards, and applicable state laws, including Florida, Texas, Georgia, Pennsylvania, Connecticut, Michigan, Tennessee, New Mexico, South Carolina, and New Jersey.

 

14. Governing Law & Venue

This Agreement shall be governed by the laws of the State of Florida, with exclusive venue in Miami-Dade County, Florida.

 

15. Role Specific Technology Fee Addendums

Role-specific Technology Fees, access scopes, billing structures, and platform tiers applicable to Mortgage Loan Officers (MLOs), Processors, Agents, or other participant classifications are defined in the applicable executed Technology Fee Addendum corresponding to each role.

 

Each Addendum is incorporated into and governed by this Agreement.

 

In the event of a conflict between this Agreement and any Technology Fee Addendum, this Agreement shall control with respect to compliance, regulatory, and legal interpretation, and the Addendum shall control with respect to role-specific access rights, billing terms, and fee structures.

 

16. Acknowledgment & Acceptance

Completion of checkout, enrollment, or use of the Company’s products or systems constitutes acknowledgment, understanding, and acceptance of this Agreement and any applicable incorporated Technology Fee Addendum.

 


EXHIBIT A

Mortgage Loan Officer Technology Fee Addendum

This Addendum is incorporated into and governed by the Platform Access, Technology Services & Compliance Policy (“Policy”).

1. Purpose

This Addendum defines the scope of system access and Technology Fees applicable to Mortgage Loan Officers affiliated with the Company.

2. Scope of Platform Access (MLO Pro Tier)

MLO Platform Access may include:

  • CRM and pipeline management systems

  • Automated email and marketing tools

  • Loan Origination System (LOS) access

  • Compliance tracking systems

  • Secure document portals

  • Reporting dashboards

  • Company communication platforms

  • Approved marketing templates and brand assets

Access is limited to systems required to perform authorized mortgage loan origination activities.

3. Technology Fee Structure

The MLO Technology Fee:

  • Is a flat recurring platform access fee

  • Represents fair market value for infrastructure, software licensing, support, and compliance systems

  • Is not based on loan production, commissions earned, transaction volume, or referral activity

  • Is owed regardless of production unless otherwise agreed in writing

The Technology Fee is not compensation and does not entitle the MLO to loan assignments, marketing guarantees, or exclusive lead distribution.

4. Payment & Adjustments

  • Fees are billed as outlined in the MLO Agreement.

  • Promotional credits or temporary waivers must be documented in writing.

  • Any such credit does not change the nature of the fee as a bona fide technology access charge.

5. Termination

Upon termination of affiliation, system access is immediately revoked unless otherwise agreed in writing.

EXHIBIT B

Processor Technology Access Addendum

This Addendum is incorporated into the Platform Access, Technology Services & Compliance Policy.

1. Purpose

This Addendum governs Technology Fees and system access for Processors affiliated with the Company.

2. Scope of Access

Processor access may include:

  • Loan Origination System (LOS) access

  • File workflow and milestone tracking tools

  • Secure document management systems

  • Compliance condition tracking tools

  • Internal communication platforms

  • Reporting tools relevant to assigned files

Access is limited to assigned files and authorized operational functions.

3. Technology Fee

The Processor Technology Fee:

  • Is a flat recurring or structured access fee

  • Represents fair market value for software, licensing, and operational infrastructure

  • Is not contingent upon the number of loans processed

  • Is not tied to compensation, commissions, or referral activity

The fee does not constitute compensation and does not create production quotas or loan guarantees.

4. Credits & Waivers

Any defined fee credits, structured waivers, or promotional adjustments must be documented in writing and do not alter the compliance structure of the Technology Fee.

5. Access Revocation

Failure to maintain required payments may result in suspension or termination of access.

 

EXHIBIT C

Agent Platform Access Addendum

This Addendum is incorporated into the Platform Access, Technology Services & Compliance Policy.

1. Purpose

This Addendum defines platform access for Real Estate Agents collaborating with the Company.

2. Scope of Agent Access

Agent access may include:

  • View-only CRM access

  • Referral status tracking

  • Transaction milestone visibility

  • Reporting dashboards

  • Communication transparency within authorized transactions

  • Approved co-marketing tools, where compliant

Agents do not receive editing rights unless separately authorized in writing.

3. Technology Fee (If Applicable)

Where a Technology Fee applies:

  • It is a flat access fee for collaboration tools and reporting visibility

  • It represents fair market value for software and infrastructure

  • It is not based on referrals, commissions, closed transactions, or production

Where no fee is charged, access remains subject to Company compliance monitoring and may be revoked at the Company’s discretion.

4. No Referral Arrangement

Agent platform access does not create:

  • An exclusive referral agreement

  • A requirement to refer business

  • Compensation for referrals

  • A marketing services agreement unless separately executed

Nothing herein shall be construed as payment for the referral of settlement service business under Section 8 of the Real Estate Settlement Procedures Act (RESPA).