Terms & Conditions

1 About This Agreement

These Terms & Conditions ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," "your") and Mortgage-Assist.com ("Company," "we," "us," "our") governing your access to and use of the website located at www.mortgage-assist.com and all associated pages, content, forms, and services (collectively, the "Site").

By accessing the Site, completing any form, clicking any button, or otherwise interacting with the Site in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you are using this Site on behalf of another person or organization, you represent and warrant that you have the authority to bind that person or organization to these Terms.

2 Nature of Our Service

We are not any of the following, and nothing on this Site should be construed as us being:

• A mortgage lender, broker, or servicer
• A law firm or provider of legal advice
• A government agency or government-approved entity
• A housing counseling agency approved by the U.S. Department of Housing and Urban Development (HUD)
• A financial advisor or credit counselor
• A nonprofit or charitable organization

The information provided on this Site is for general informational purposes only and does not constitute legal, financial, or professional advice. Always consult a qualified professional before making decisions about your mortgage, finances, or legal rights.

3 Definitions

For the purposes of these Terms, the following definitions apply:

4 Eligibility & Permitted Use

You must be at least 18 years of age and a resident of the United States to use this Site. By using the Site, you represent and warrant that:

• You are at least 18 years old
• You are a US resident or are inquiring on behalf of a US property owner
• All information you provide is truthful, accurate, and complete to the best of your knowledge
• You are not using the Site for any unlawful purpose
• You have the legal authority to inquire about and make decisions related to the property in question

This Site is intended solely for homeowners or authorized representatives seeking information about mortgage assistance options for residential properties located in the United States.

You agree to use this Site only for its intended purpose. Commercial scraping, automated inquiries, and use of the Site for competitive intelligence gathering are strictly prohibited.

5 Information You Submit

When you complete a form on this Site, you voluntarily provide personal and property information ("User Data"), which may include your name, email address, property location, loan status, hardship situation, and other details relevant to your mortgage situation.

By submitting User Data, you expressly authorize Mortgage-Assist.com to:

• Receive and store the information you provide
• Share your information with Partners who may be able to assist with your situation
• Use your information for internal quality control and compliance purposes
• Contact you via email regarding your inquiry or similar services

You represent that all User Data you provide is accurate. Submitting false or misleading information may result in your inquiry being disqualified and potential legal liability.

We do not sell your personal information to data brokers or marketing lists unrelated to mortgage assistance services. See our Privacy Policy for full details on data handling.

6 Consent to Be Contacted

By submitting a form on this Site, you expressly consent to being contacted by Mortgage-Assist.com and/or our Partners regarding your inquiry and related mortgage assistance services.

You may opt out of communications at any time by:

• Replying "STOP" to any text message
• Following the unsubscribe link in any email
• Emailing us at support@mortgage-assist.com with your opt-out request

Please note that opting out of marketing communications will not affect communications directly related to an active referral or inquiry you have submitted.

7 No Guarantee of Results

Mortgage-Assist.com makes no guarantee, representation, or warranty — express or implied — that submitting a form on this Site will result in any particular outcome, including but not limited to:

• Loan modification approval
• Foreclosure prevention or delay
• Reduction in mortgage payments or principal balance
• Government program qualification or enrollment
• Contact from a qualified professional within any specified timeframe
• Any specific financial outcome whatsoever
• Grant or mortgage-assistance funding
• Mortgage payment deferral approval
• Home equity loan / HELOC approval or financing

Any descriptions of programs, processes, or outcomes on this Site are provided for general informational purposes only and do not constitute promises of specific results for your individual situation.

8 Intellectual Property

All content on this Site — including text, graphics, logos, icons, images, audio, video, data compilations, and software — is the exclusive property of Mortgage-Assist.com or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes only. You may not:

• Reproduce, distribute, modify, or create derivative works of any Site content
• Reverse engineer, decompile, or disassemble any software on the Site
• Remove or alter any proprietary notices, labels, or marks
• Frame or embed the Site within another website without prior written consent
• Use any data mining, robots, scrapers, or similar automated data-gathering tools

The "Mortgage Assist" name, gold house logo, and associated marks are proprietary to Mortgage-Assist.com. Unauthorized use is strictly prohibited.

9 Third-Party Professionals & Partners

Mortgage-Assist.com acts solely as a referral intermediary. When you submit a form, your information may be passed to one or more independent third-party licensed professionals, related service providers, housing counselors ("Partners"). These Partners are independent of Mortgage-Assist.com and are solely responsible for:

• The quality, accuracy, and legality of services they provide to you
• Any fees, agreements, or obligations arising from your engagement with them
• Their own compliance with applicable federal, state, and local laws and regulations

Mortgage-Assist.com does not endorse, warrant, or guarantee the services of any specific Partner. We do not supervise, direct, or control the advice or actions of any Partner. Any agreement you enter into with a Partner is solely between you and that Partner.

This Site may contain links to third-party websites. Such links are provided for convenience only. We have no control over, and assume no responsibility for, the content or practices of any third-party sites.

10 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MORTGAGE-ASSIST.COM AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY:

• Direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, goodwill, or business opportunities
• Damages resulting from reliance on any information provided on or through the Site
• Damages resulting from the actions or inactions of any Partner
• Damages arising from unauthorized access to or alteration of your User Data
• Any other damages or losses arising from use of or inability to use the Site

This limitation applies regardless of the legal theory (contract, tort, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability shall be limited to the fullest extent permitted by applicable law. In no event shall our total aggregate liability to you exceed one hundred US dollars ($100.00).

11 Disclaimer of Warranties

THIS SITE AND ALL CONTENT, SERVICES, AND INFORMATION PROVIDED HEREIN ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We expressly disclaim all warranties including, but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the Site will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, completeness, or timeliness of any information on the Site
• Warranties that any defects or errors will be corrected
• Warranties that the Site is free of viruses or other harmful components

You use the Site entirely at your own risk. We make no warranty that information on this Site is current, applicable to your specific situation, or legally sufficient for your needs.

12 Indemnification

You agree to defend, indemnify, and hold harmless Mortgage-Assist.com and its officers, directors, employees, agents, and partners from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of or access to the Site
• Your violation of any provision of these Terms
• Your violation of any applicable law or the rights of a third party
• Any User Data you submit that is inaccurate, misleading, or causes harm to a third party
• Any dispute between you and a Partner

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

13 Privacy

Your privacy matters to us. Our Privacy Policy describes in detail how we collect, use, share, and protect your personal information. The Privacy Policy is incorporated into and forms part of these Terms.

Key points regarding your data:

• We collect only the information necessary to connect you with appropriate assistance professionals
• We may share your information with licensed Partners for the purpose of fulfilling your referral request
• We implement reasonable technical and organizational security measures to protect your data
• You may request deletion of your personal data by contacting us at support@mortgage-assist.com

By using this Site, you consent to the data practices described in our Privacy Policy.

14 Prohibited Conduct

You agree that you will not use this Site to:

• Submit false, fraudulent, or misleading information
• Impersonate any person or entity
• Collect or harvest information about other users
• Interfere with or disrupt the operation of the Site or its servers
• Upload or transmit viruses, malware, or other harmful code
• Attempt to gain unauthorized access to any part of the Site
• Use the Site for any purpose that is unlawful or prohibited by these Terms
• Use automated systems (bots, scrapers, crawlers) to access the Site without our written consent
• Engage in any conduct that restricts or inhibits any other user's use of the Site

We reserve the right to terminate access for any user who violates these prohibitions, and to report such violations to appropriate law enforcement authorities.

15 Modifications to Terms

We reserve the right to modify these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page.

Your continued use of the Site after any modifications constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

If you do not agree to the modified Terms, your sole remedy is to discontinue your use of the Site. We are not obligated to provide individual notice of changes beyond updating this page.

We also reserve the right to modify, suspend, or discontinue any aspect of the Site at any time without notice or liability.

16 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of the Site shall first be addressed through good-faith informal negotiation. You agree to notify us of any dispute by emailing support@mortgage-assist.com and allow thirty (30) days for informal resolution before pursuing formal proceedings.

If informal resolution is unsuccessful, disputes shall be resolved exclusively through binding individual arbitration administered under the rules of the American Arbitration Association (AAA). You waive any right to participate in a class-action lawsuit or class-wide arbitration.

Notwithstanding the above, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

17 Contact Us

If you have any questions, concerns, or requests regarding these Terms & Conditions, please contact us:

We take all user inquiries seriously and will work to address your concerns promptly and professionally.