Agreement to Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you and Mortgage Genius, NMLS #2280851 ("Company," "we," "us," or "our") concerning your access to and use of the www.azwm.com website and our mortgage lending services.
By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services.
Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using our website, you represent and warrant that you meet these eligibility requirements.
Services Description
Mortgage Genius provides mortgage brokerage services, including:
- Mortgage loan origination and brokerage
- Pre-qualification and pre-approval services
- Loan application processing and submission
- Educational resources and calculators
- Consultation and advisory services
We are licensed to conduct business in Arizona. Services may not be available in all areas or for all loan types.
Not a Commitment to Lend
Important Notice:
Information provided on this website, including pre-qualification and rate estimates, does NOT constitute a commitment to lend, a loan approval, or a guarantee of loan terms. All loans are subject to credit approval, property appraisal, and underwriting review.
Rates, programs, and terms are subject to change without notice. The information provided is for educational and informational purposes only and should not be construed as financial advice.
User Obligations
When using our services, you agree to:
- Provide accurate, complete, and truthful information
- Maintain the confidentiality of your account credentials
- Comply with all applicable federal, state, and local laws
- Not use our services for fraudulent or illegal purposes
- Not interfere with or disrupt our website or services
- Not attempt to gain unauthorized access to our systems
- Not transmit viruses, malware, or harmful code
Intellectual Property Rights
All content on this website, including text, graphics, logos, images, software, and other materials (collectively, "Content"), is the property of Mortgage Genius or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any Content without our prior written permission.
Calculators and Estimates
Our website may provide mortgage calculators and other tools to help estimate payments, affordability, and other loan-related information. These tools are provided for informational purposes only and:
- Are not guaranteed to be accurate or complete
- Should not be relied upon as professional financial advice
- May not reflect all fees, taxes, or insurance costs
- Do not constitute a loan offer or approval
Consult with a licensed mortgage professional for personalized advice.
Third-Party Links and Services
Our website may contain links to third-party websites or services that are not owned or controlled by Mortgage Genius. We are not responsible for the content, privacy policies, or practices of third-party websites. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of third-party services.
Disclaimers
OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MORTGAGE GENIUS SHALL NOT BE LIABLE FOR:
- Indirect, incidental, special, consequential, or punitive damages
- Loss of profits, revenue, data, or business opportunities
- Damages resulting from use or inability to use our services
- Damages resulting from errors, omissions, or inaccuracies in content
- Damages resulting from unauthorized access to your information
Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid us in the 12 months preceding the claim.
Indemnification
You agree to indemnify, defend, and hold harmless Mortgage Genius and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any rights of another party
- Information you provide to us
Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court.
Modifications 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 our website with a new "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.
Termination
We reserve the right to suspend or terminate your access to our services at any time, with or without cause or notice, for any reason including violation of these Terms.
Contact Information
If you have questions about these Terms, please contact us: