Terms of Service

Effective Date: June 2, 2025

1. About LendFriend Mortgage

LendFriend Mortgage ("we," "us," or "our") is a mortgage brokerage company located in Austin, Texas. We are licensed under the Nationwide Multistate Licensing System (NMLS) and comply with all applicable federal and state regulations governing mortgage brokerage services.

2. Acceptance of Terms

By accessing or using our website and services, you ("you" or "user") acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

3. Services Provided

We provide mortgage brokerage services, including but not limited to:

• Connecting borrowers with potential lenders
• Providing information about mortgage products and rates
• Assisting with mortgage application processes
• Offering educational content about mortgages and home financing

We do not make loans directly. We act as intermediaries between borrowers and licensed lenders.

4. Eligibility and User Requirements

To use our services, you must:

• Be at least 18 years old
• Be a legal resident of the United States
• Provide accurate and truthful information
• Have the legal capacity to enter into binding agreements

5. Information Collection and Use

We collect personal information including your name, email address, phone number, and address to provide our services. This information is used solely for legitimate business purposes related to mortgage brokerage services and is protected in accordance with our Privacy Policy and applicable privacy laws.

We use Google Analytics and Google Search Console to improve our website performance and user experience. These services may collect certain usage data as described in our Privacy Policy.

6. Accuracy of Information

You agree to provide accurate, current, and complete information when using our services. Providing false or misleading information may result in termination of our services and could constitute fraud under applicable laws.

7. No Guarantee of Loan Approval

We do not guarantee that any loan application will be approved or that specific rates or terms will be available. Loan approval and terms are ultimately determined by the lender based on their underwriting criteria.

8. Fees and Compensation

Our compensation comes from lenders upon successful loan origination. We will disclose all fees and compensation arrangements as required by law. You will not be charged fees directly unless specifically agreed to in writing.

9. Regulatory Compliance

We are licensed under NMLS and comply with all applicable federal and state laws, including but not limited to:

• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Equal Credit Opportunity Act (ECOA)
• Fair Credit Reporting Act (FCRA)
• State licensing requirements

10. Confidentiality and Data Security

We maintain strict confidentiality regarding your personal and financial information. We implement appropriate security measures to protect your data and comply with all applicable privacy regulations.

11. Website Use and Restrictions

You may use our website for lawful purposes only. You agree not to:

• Use the website for any illegal or unauthorized purpose
• Interfere with or disrupt the website's functionality
• Attempt to gain unauthorized access to our systems
• Copy, modify, or distribute our content without permission

12. Intellectual Property

All content on our website, including text, graphics, logos, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws.

13. Disclaimers

Our website and services are provided "as is" without warranties of any kind. We do not warrant that our services will be uninterrupted or error-free. We are not responsible for technical problems, system failures, or other service interruptions.

14. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, even if we have been advised of the possibility of such damages.

15. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our services or violation of these terms.

16. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information.

17. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these external sites.

18. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without notice, for any reason including violation of these terms.

19. Governing Law

These terms are governed by the laws of the State of Texas and applicable federal laws. Any disputes will be resolved in the courts of Travis County, Texas.

20. Changes to Terms

We may update these Terms of Service periodically. We will notify users of significant changes by posting the updated terms on our website with a new effective date.

21. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

22. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and LendFriend Mortgage regarding your use of our services.