Terms and Conditions for The Mortgage Nest LLC
Effective Date: March 31, 2025
These Terms and Conditions (the "Agreement") govern your access to and use of the services and website of The Mortgage Nest LLC ("we," "us," or "our"), a Michigan-based mortgage broker. By accessing or using our website or services, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully.
1. **Introduction**
The Mortgage Nest LLC is a licensed mortgage broker in Michigan. We provide services to help individuals secure mortgage loans. The information and services available on our website are for informational purposes only and are not intended to provide a specific recommendation for a loan product. We do not directly offer loans but work as a broker to connect you with third-party lenders.
2. **Eligibility**
You must be at least 18 years old and legally capable of entering into a binding contract to use our services. You must also reside in the United States or another state where our services are available. If you do not meet these requirements, you are not permitted to use our services.
3. **Services Provided**
The Mortgage Nest LLC offers mortgage brokerage services to help individuals secure financing. These services include:
- Connecting you with mortgage lenders.
- Assisting with the loan application process.
- Providing information on different mortgage products.
We do not provide direct loan funding. All loan agreements are between you and the lender you choose.
4. **User Responsibilities**
By using our website and services, you agree to:
- Provide accurate, truthful, and complete information.
- Keep any account details confidential.
- Refrain from using our services for unlawful purposes or to engage in fraudulent activities.
- Not interfere with or disrupt the services or website.
You are responsible for any activity that occurs under your account.
5. **Privacy Policy**
We are committed to protecting your personal information. Our use and handling of your personal information are governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and safeguard your data.
6. **Disclaimers**
- **Accuracy of Information**: We strive to ensure that all information on our website is accurate, but we do not guarantee its completeness, reliability, or timeliness.
- **No Financial Advice**: The Mortgage Nest LLC does not offer personalized financial, tax, or legal advice. The information provided is intended for general informational purposes only, and we recommend consulting with a licensed financial advisor before making any financial decisions.
- **Third-Party Lenders**: We provide you with access to third-party lenders, but we are not responsible for their services, actions, or policies.
7. **Limitation of Liability**
To the fullest extent permitted by law, The Mortgage Nest LLC, its affiliates, employees, and agents are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:
- Your use or inability to use our website or services.
- Any interactions with third-party lenders.
- Errors or omissions on our website.
This limitation applies regardless of the cause of action, including contract, tort, or negligence.
8. **Indemnification**
You agree to indemnify, defend, and hold harmless The Mortgage Nest LLC, its officers, employees, agents, and affiliates from any claims, damages, losses, and expenses, including attorney fees, arising from your use of our website, your violation of these Terms and Conditions, or your violation of any laws or third-party rights.
9. **Intellectual Property**
All content, logos, and materials on our website are the property of The Mortgage Nest LLC and are protected by intellectual property laws. You may not use, reproduce, or distribute any content without our prior written consent.
10. **Modifications to Terms and Conditions**
We reserve the right to update these Terms and Conditions at any time. Any changes will be posted on this page with an updated effective date. You are encouraged to review this page periodically for any changes. Continued use of our services after changes are posted constitutes your acceptance of the updated terms.
11. **Governing Law**
These Terms and Conditions are governed by the laws of the State of Michigan, without regard to its conflict of law principles. Any disputes arising out of or related to these terms shall be resolved in the courts located in Michigan.
12. **Termination**
We may suspend or terminate your access to our services at any time without notice if you violate these Terms and Conditions or for any other reason.
13. **Compliance with NMLS and Mortgage Laws**
The Mortgage Nest LLC is fully compliant with the National Mortgage Licensing System (NMLS) and all applicable federal and state mortgage laws. We are licensed by the appropriate state regulatory agencies, and our activities are conducted in accordance with the regulations and guidelines established by the NMLS and other regulatory bodies.
14. **Contact Information**
If you have any questions or concerns regarding these Terms and Conditions, please contact us at:
The Mortgage Nest LLC
586-489-6622
By using our services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.