Terms of Service

1. Agreement to Terms

By accessing or using the NonQM Lending website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Services. These Terms apply to all visitors, users, and others who access or use the Services.

2. Description of Services

NonQM Lending provides a platform that connects borrowers with mortgage lenders specializing in Non-Qualified Mortgage (Non-QM) products. Our Services include, but are not limited to:

• Mortgage program comparison tools
• Lender matching services
• Document analysis and loan qualification estimates
• Educational resources about Non-QM lending
• Credit improvement tools and recommendations

Important: NonQM Lending is not a lender and does not make credit decisions. We facilitate connections between borrowers and lenders but do not guarantee loan approval or specific terms.

3. User Responsibilities

When using our Services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access
• Use the Services only for lawful purposes
• Not attempt to interfere with or disrupt the Services
• Not use automated systems to access the Services without permission

4. No Guarantee of Results

While we strive to provide accurate information and quality lender matches, we make no guarantees regarding:

• Loan approval or specific loan terms
• Interest rates or fees offered by lenders
• The accuracy of estimates provided by our tools
• The availability of specific loan programs
• The performance or reliability of partner lenders

All loan decisions are made solely by the lenders, and terms are subject to their underwriting guidelines and your individual circumstances.

5. Intellectual Property

The Services and all content, features, and functionality (including but not limited to text, graphics, logos, icons, images, audio clips, and software) are owned by NonQM Lending or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

6. User Content

By submitting content (including documents, information, and communications) through our Services, you grant NonQM Lending a non-exclusive, royalty-free license to use, process, and share such content as necessary to provide the Services. You represent that you have the right to submit such content and that it does not violate any third-party rights.

7. Third-Party Services

Our Services may contain links to third-party websites or services that are not owned or controlled by NonQM Lending. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that NonQM Lending shall not be responsible or liable for any damage or loss caused by your use of any such third-party services.

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NONQM LENDING SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICES.

10. Indemnification

You agree to indemnify, defend, and hold harmless NonQM Lending and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [State], without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in [County, State].

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms.

13. Termination

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

14. Contact Information

If you have any questions about these Terms, please contact us at: