Terms of Service

1. Agreement to Terms

By accessing or using BetterOffers ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service after any changes constitutes your acceptance of the new Terms.

2. Description of Service

BetterOffers is a lead generation and matching platform that connects consumers seeking mortgage products with licensed lenders and financial institutions. We do not provide loans directly; we facilitate connections between consumers and lenders.

The Service includes:

• Online forms to collect consumer information
• Matching algorithms to connect consumers with suitable lenders
• Communication facilitation between consumers and lenders
• Educational content about mortgage products

3. Eligibility

To use the Service, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information

4. User Responsibilities

When using the Service, you agree to:

• Provide accurate, current, and complete information
• Not misrepresent your identity or qualifications
• Not use the Service for any unlawful purpose
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt the Service
• Not use automated systems to access the Service without permission

5. Consent to Contact

By submitting your information through the Service, you expressly consent to be contacted by BetterOffers and our network of lenders via:

• Telephone calls (including automated and pre-recorded calls)
• Text messages (SMS/MMS)
• Email communications

You understand that this consent is not a condition of purchasing any goods or services. Standard message and data rates may apply to text messages.

6. No Guarantee of Loan Approval

BetterOffers does not guarantee that you will be approved for a loan or that you will receive any specific terms. Loan approval and terms are determined solely by the lenders based on their underwriting criteria.

Any rate quotes or estimates provided through the Service are for informational purposes only and do not constitute a commitment to lend.

7. Third-Party Services

The Service may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites.

Your interactions with lenders and other third parties are solely between you and those parties. BetterOffers is not a party to any agreements you enter into with lenders.

8. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, and software, are owned by BetterOffers or its licensors and are protected by intellectual property laws.

You may not copy, modify, distribute, or create derivative works from any part of the Service without our express written permission.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or secure.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BETTEROFFERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

Our total liability for any claims arising from your use of the Service shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless BetterOffers, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

12. Governing Law

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

13. Severability

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

14. Contact Information

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