These Terms of Service (“Terms”) govern your access to and use of our website and services. By accessing our website or reaching out to us to explore your mortgage options, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website.
1. Our Services
We provide a digital platform and professional services to help you explore and secure residential mortgage financing. Our website is designed to provide educational information, allow you to share your story with us, and help our licensed professionals evaluate the best loan options for your specific scenario.
Please note that the content on this website is for informational purposes and does not constitute a formal commitment to lend or an offer to extend credit. All financing options are subject to credit approval, property appraisal, and verification of the information you provide.
2. User Responsibilities
To help us provide you with the most accurate options and advice, you agree to:
- Provide truthful, current, and complete information when filling out contact forms or speaking with our team.
- Use our website only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the site.
- Keep any portal logins or secure access links provided to you confidential to protect your personal information.
3. Communications and SMS Messaging
When you provide your contact information, you consent to us communicating with you via email, phone, and SMS text messaging regarding your inquiries and loan status.
- Text Messaging: As outlined in our Privacy Policy, you may opt-out of SMS messages at any time by replying “STOP”. We will never sell or share your mobile number or SMS consent with third parties for their own marketing purposes.
- Standard message and data rates may apply.
4. Intellectual Property
All content on this website, including text, modern graphics, logos, branding, and digital resources, is the property of CustomRate and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from our website content without our express written permission.
5. Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by us (such as secure document upload portals or credit bureaus). We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.
6. Disclaimer of Warranties
While we strive to keep our website running smoothly and ensure all information is accurate and up-to-date, our website and services are provided on an “as is” and “as available” basis. We make no warranties, expressed or implied, regarding the operation of the website or the accuracy of the information provided. Interest rates, loan programs, and lending guidelines are subject to change without notice.
7. Limitation of Liability
To the maximum extent permitted by law, CustomRate, its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, our website or services.
8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in or near St. Petersburg, Florida.
9. Changes to These Terms
We reserve the right to update or modify these Terms at any time to reflect changes in our business practices, technology, or legal requirements. We will notify you of any significant changes by updating the “Last Updated” date at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the new Terms.
10. Contact Us
If you have any questions about these Terms, please contact us:
CustomRate NMLS #: 2445999 Address: 360 Central Ave., St. Petersburg, FL 33701 Phone: 727-210-5547