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CapCut’s Controversial Terms of Service: What Mortgage & Real Estate Pros Need to Know

  Ashley Musick  ·  3 minute read

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If you’ve been using CapCut to edit your video content, you’ve probably seen the headlines — and the panic — spreading fast across TikTok.

A recent viral video racked up millions of views after revealing that CapCut’s new Terms of Service grant the app a perpetual, worldwide, irrevocable license to use your content – which basically means they can use your content however they want.

That means they can remix, distribute, and even feature your name, face, and voice in marketing campaigns — without asking for permission.

And if you used trending audio like a Taylor Swift or Sabrina Carpenter song in the background? You could be legally liable. Not CapCut.

So what does this mean for mortgage and real estate professionals who rely on video to grow their business and build client trust?

Here's what you need to know👇


🧾 What Changed in CapCut’s Terms of Service?

Technically, not much. While the licensing language itself isn’t entirely new, it’s recently come under fire because it wasn’t well-communicated.

Here’s what you’re agreeing to when you upload content to CapCut’s servers:

  • You grant CapCut a royalty-free, irrevocable, sublicensable, global license to use, remix, modify, distribute, and promote your content.

  • They can use your name, image, voice, and username in promotional material — without notifying you.

  • You’re still legally responsible for any copyrighted music or visuals you include in your videos, even if CapCut republishes them.

  • CapCut can delete your content at any time, with zero warning or explanation.

And yes — these rules apply whether you’re using the free plan or paying $19.99/month for CapCut Pro.

Why This Matters for Loan Officers and Real Estate Pros

If you’re creating video content to build trust, attract clients, or promote listings, you should own what you make – period.

Using a tool that can:

  • Claim usage rights to your videos

  • Feature you in ads without asking

  • Remove your content without notice

  • Can continue to your content even after you've deleted your account

…is a serious risk — especially in a compliance-heavy industry like mortgage or real estate.

(Big yikes from the Compliance team, am I right?)

When you’re working under strict advertising rules, protecting your content rights isn’t optional — it’s essential.

 

😰 Should You Be Worried About CapCut?

You don’t need to panic — but you should rethink your tools.

If you’re creating content to build your personal brand, earn referrals, and stay top of mind with clients, you shouldn’t have to give up ownership or worry about fine print.

And if you're working in a regulated industry like mortgage or real estate, using a platform that protects your content rights isn't just a nice-to-have — it's a must.

So if you're tired of sketchy fine print, rising prices, and the risk of losing control over your content…

👉 It might be time to make the switch to a video solution that puts you first.

Want to see how it works? Book a quick demo or comment “Video” and we’ll show you exactly how SocialCoach makes it easy.


✅ Why SocialCoach Is a Smarter Alternative for Loan Officers & Agents

We built our platform specifically for mortgage and real estate professionals — with privacy, compliance, and ease of use baked in from the start.

Here’s how we compare:

  • You keep 100% ownership of your videos. Always.

  • We edit your videos for you – adding captions, thumbnails, and titles that stand out.

  • Compliance-friendly: We include tools that let your marketing and legal teams set the guardrails for safe, brand-aligned content.

  • Auto-scheduling: We’ll even post your content for you — across Instagram, Facebook, LinkedIn, and more.

In short? We eliminate the hours of editing stress, the platform risk, and the compliance worry — so you can focus on showing up for your audience.

 

🎥 Want to Make Better Videos Without the Risk?

 With Video Catalyst by SocialCoach, we take care of:

  • Add captions

  • Edit out mistakes & add visual effects

  • Create a video thumbnail

  • Schedule & auto-post across platforms

So all you have to do? Hit record.
🎥 Learn more about Video Catalyst


💡 Bonus: Get Free Coaching Every Month

Join our Social Media Boot Camp — a free, 4-week coaching series that helps mortgage and real estate pros master social media and create videos that convert.


📌  Follow us on socials for more weekly video tips, content ideas, and industry updates — and share this blog with anyone else who uses CapCut and might not realize what they’ve agreed to.