Terms of Service

2. Eligibility and Intended Audience

This Site is intended for use by U.S. residents who are at least 18 years of age. Information about reverse mortgages on this Site is generally intended for homeowners and homebuyers who meet age and other eligibility requirements under applicable federal and state laws. Nothing on this Site is directed to minors.

3. Informational Purposes Only – Not Legal, Tax, or Financial Advice

All content on the Site, including articles, calculators, tools, videos, and FAQs, is provided for general informational and educational purposes only. It:

• Does not constitute legal, tax, investment, or financial advice.
• Does not create any fiduciary, client, or advisory relationship.
• Should not be relied upon as a substitute for consultations with qualified professionals such as attorneys, tax advisors, or financial planners.

You are solely responsible for evaluating the accuracy, completeness, and usefulness of any information provided on or through the Site.

4. No Commitment to Lend or Extend Credit

Nothing on this Site constitutes:

• A commitment to lend.
• An offer to extend credit.
• A guarantee that any loan terms, rates, fees, or program descriptions shown will be available to you.

All loan products, including Home Equity Conversion Mortgages (HECM) and proprietary reverse mortgage products, are subject to:

• Qualification and underwriting approval.
• Program availability.
• Applicable federal, state, and local laws and regulations.
• Change or discontinuation at any time without prior notice.

Any preliminary quotes, scenarios, or estimates shown are for illustrative purposes only and do not represent a final loan approval or closing terms.

5. Reverse Mortgage Disclosures

Reverse mortgages are complex financial products. Important points include, but are not limited to:

• Borrowers remain responsible for paying property taxes, homeowner’s insurance, HOA dues (if applicable), and for maintaining the property.
• Failure to meet these obligations, or to comply with occupancy requirements, can result in default and foreclosure.
• Loan balances generally increase over time and may reduce home equity.
• A reverse mortgage may affect the inheritance available to heirs.

Official disclosures, counseling, and loan documentation provided during the application process will govern in the event of any inconsistency with information presented on this Site.

6. No Guarantee of Accuracy or Timeliness

While efforts may be made to keep information on the Site up to date, the company does not warrant or represent that any content is:

• Complete, accurate, or current.
• Free from typographical errors or technical inaccuracies.

Rates, fees, program guidelines, loan limits, eligibility criteria, and regulations can change without notice. Always confirm details directly with a licensed loan professional before making financial decisions.

7. Intellectual Property

All content on this Site, including text, graphics, logos, icons, images, audio clips, video clips, downloads, and software, is the property of the company or its content providers and is protected by copyright, trademark, and other intellectual property laws.

You may:

• View and print content for your personal, non-commercial use only.

You may not, without prior written consent:

• Copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, or use any content for commercial purposes.

8. User Conduct and Prohibited Uses

You agree not to use the Site:

• For any unlawful purpose or in violation of any applicable law or regulation.
• To transmit any harmful code, malware, or disruptive material.
• To attempt to gain unauthorized access to any systems, data, or accounts.
• To engage in any activity that interferes with or disrupts the operation or security of the Site.

The company reserves the right to terminate or restrict access to the Site for any user at its sole discretion.

9. Third-Party Links and Resources

The Site may contain links to third-party websites, tools, or resources for convenience. The company:

• Does not control, endorse, or assume responsibility for the content, policies, or practices of any third-party sites.
• Is not liable for any damages or losses arising from your use of third-party sites or resources.

Your use of third-party websites is subject to the terms and policies of those sites.

10. Privacy and Data Collection

Use of this Site may involve the collection and processing of certain personal information, such as contact information submitted through forms or analytics data collected automatically.

• Any collection and use of personal information is governed by the Site’s separate Privacy Policy.
• By using the Site, you consent to the collection and use of your information in accordance with the Privacy Policy.

11. No Client Relationship from Online Contact

Submitting an online form, email, chat, or other electronic communication through the Site does not:

• Create a lender–borrower, client, or fiduciary relationship.
• Guarantee that you will be approved for any loan or service.

A formal application, required disclosures, and signed agreements are necessary before any lending relationship is established.

12. Disclaimers of Warranties

THE SITE AND ALL CONTENT, PRODUCTS, AND SERVICES MADE AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• TITLE

The company does not warrant that:

• The Site will operate uninterrupted or error-free.
• The Site or its servers are free from viruses or other harmful components.
• Any defects will be corrected.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS OWNERS, OFFICERS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY CONTENT THEREIN.

If liability is found despite the foregoing limitations, the company’s total liability in connection with your use of the Site shall not exceed the amount, if any, paid by you to the company for access to the Site.

14. Indemnification

You agree to indemnify, defend, and hold harmless the company, its owners, officers, employees, affiliates, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use or misuse of the Site.
• Your violation of these Terms.
• Your violation of any rights of a third party.

15. Changes to Terms

The company may update or modify these Terms at any time without prior notice. Changes are effective when posted on the Site. Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Terms.

You are encouraged to review these Terms periodically for updates.

16. Governing Law and Dispute Resolution

These Terms and your use of the Site are governed by the laws of the state in which the company is headquartered, without regard to its conflict of law provisions, and by applicable federal law.

Any dispute arising out of or relating to these Terms or the Site shall be resolved:

• First, through good-faith informal discussions between you and the company.
• If not resolved informally, then through binding arbitration or litigation in a court of competent jurisdiction located in the company’s principal state of business, unless prohibited by applicable law.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with any other legal notices or policies posted on the Site (including the Privacy Policy), constitute the entire agreement between you and the company regarding your use of the Site and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written.

19. Contact Information

If you have any questions about these Terms or the Site, please contact the company using the contact details provided on the Site’s “Contact” or “About” page.