Terms & Conditions

Please read these Terms of Service ("Terms") carefully before using this website ("Site").

1. Acceptance of Terms

By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use this Site.

2. Purpose of This Site

This Site is a marketing platform that helps connect homeowners with licensed specialists to discuss potential cash-out equity or home equity refinance options. We are not a lender and do not make credit or lending decisions.

3. No Guarantee of Approval

Submitting information through this Site does not guarantee eligibility, approval, or any specific loan terms. All loan requests are subject to qualification, underwriting, and approval by a licensed lender, and terms may vary.

4. Accuracy of Information

You agree to provide accurate and truthful information when submitting any form on this Site. We are not responsible for outcomes resulting from inaccurate information you provide.

5. Third-Party Contact

By submitting a form, you consent to being contacted by a licensed specialist or partner regarding your request, by phone, email, or text, subject to applicable law.

6. Intellectual Property

All content on this Site, including text, graphics, logos, and design, is the property of modernfinance.online or its licensors and may not be copied or reused without permission.

7. Limitation of Liability

To the fullest extent permitted by law, modernfinance.online is not liable for any indirect, incidental, or consequential damages arising from your use of this Site or reliance on any information provided through it.

8. No Financial Advice

Content on this Site is for general informational purposes only and does not constitute financial, legal, or lending advice. Please consult a licensed professional before making financial decisions.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the revised Terms.

10. Governing Law

These Terms are governed by the laws of the applicable jurisdiction, without regard to conflict of law principles.

11. Contact Us

Questions about these Terms can be sent via the Contact page.

Note: This is a starting-point template, not legal advice. Mortgage/lending advertising is regulated (state licensing, TCPA, and disclosure rules). Please have a qualified attorney review and customize these Terms before running paid ads.