Terms of Service

1. Acceptance of Terms

By accessing and using [COMPANY NAME] (the "Service"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Description of Service

We provide an online directory and review platform for mortgage lenders. Our Service allows:

• Consumers to search for and review mortgage lenders
• Lenders to claim and manage their business profiles
• Public access to lender information and reviews

3. User Accounts

3.1 Account Creation

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

3.2 Account Types

• Consumer Accounts: For individuals searching for lenders and writing reviews
• Lender Accounts: For mortgage professionals managing their business profiles
• Admin Accounts: For platform administrators

3.3 Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Provide false or misleading information
• Engage in fraudulent or illegal activities
• Abuse or harass other users

4. User Conduct

You agree NOT to:

• Post false, misleading, or defamatory content
• Impersonate any person or entity
• Spam or harass other users
• Upload viruses or malicious code
• Scrape or harvest data from the Service
• Circumvent security measures
• Use the Service for illegal purposes
• Violate any applicable laws or regulations

5. Reviews and User Content

5.1 Review Guidelines

When posting reviews, you must:

• Base reviews on your genuine experience
• Be honest and factual
• Avoid profanity, hate speech, or personal attacks
• Not post reviews in exchange for compensation
• Not post reviews for competitors

5.2 Content Ownership

You retain ownership of content you post. However, by posting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display your content in connection with the Service.

5.3 Content Moderation

We reserve the right to:

• Remove or modify content that violates these Terms
• Verify the authenticity of reviews
• Flag or remove suspicious content

6. Lender Profiles

6.1 Profile Claims

Lenders may claim their profiles by:

• Verifying their NMLS ID
• Providing accurate business information
• Agreeing to these Terms

6.2 Profile Accuracy

Lenders are responsible for:

• Maintaining accurate and up-to-date information
• Ensuring compliance with all applicable laws
• Maintaining valid licenses and credentials

6.3 Subscription Services

We may offer paid subscription services for enhanced profile features. Subscription terms, pricing, and billing will be clearly disclosed before purchase.

7. RESPA Compliance

We comply with the Real Estate Settlement Procedures Act (RESPA) and related regulations:

• We do not accept kickbacks or referral fees from lenders
• We do not require consumers to use specific lenders
• Our directory provides unbiased information
• Lenders are responsible for their own RESPA compliance

8. Intellectual Property

8.1 Our Rights

The Service, including its design, code, content, and trademarks, is owned by us and protected by copyright, trademark, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal or business purposes in accordance with these Terms.

9. Disclaimers

9.1 No Warranty

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

9.2 No Professional Advice

The Service provides information only. It does not constitute financial, legal, or professional advice. You should consult qualified professionals for advice specific to your situation.

9.3 Third-Party Content

We are not responsible for the accuracy, completeness, or reliability of user-generated content, including reviews and lender information.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, DATA LOSS, OR BUSINESS INTERRUPTION, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS, OR $100 IF YOU HAVE NOT PAID US ANYTHING.

11. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Content you post on the Service

12. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

13. Dispute Resolution

13.1 Governing Law

These Terms shall be governed by the laws of [STATE/COUNTRY], without regard to conflict of law provisions.

13.2 Arbitration

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration, except where prohibited by law. You waive your right to a jury trial.

13.3 Class Action Waiver

You agree to resolve disputes on an individual basis and waive your right to participate in class action lawsuits.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on this page
• Updating the "Last Updated" date
• Sending email notification (for material changes)

Your continued use of the Service after changes constitutes acceptance of the new Terms.

15. Severability

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

16. Contact Information