Effective: 2/22/2026

1. Agreement to Terms
Please read these Terms and Conditions (the “Terms”) and our Privacy Policy carefully. These Terms are a binding legal contract between you and **United Mortgage of Florida LLC** (“United Mortgage Lenders”, “we”, or “us”). By accessing our Site or using our services (collectively, the “Services”), you agree to be bound by these Terms. If you do not agree, you may not use the Services.

2. Eligibility & Account Security
○ Age: You must be at least 18 years old and capable of forming a binding contract to use the Services.
○ Registration: Certain features require an Account. You agree to provide accurate, current, and complete information and to keep it updated.
○ Responsibility: You are solely responsible for maintaining the confidentiality of your password and for all activities that occur under your Account. You must notify us immediately of any unauthorized use.

3. Professional Disclaimer
The Services are provided for general informational purposes only. United Mortgage of Florida LLC is not a law firm or an investment advisory suite.
Important: The content on this Site is not a substitute for professional legal, tax, or investment advice. We are not engaged in rendering legal services. Your reliance on any information provided is at your own risk.

4. Loan Inquiries & Credit Authorization
Through the Services, you may submit personal or financial information (“User Information”) to qualify for a loan.
○ Accuracy: You certify that all information you provide is true and complete.
○ Credit Report Authorization: By submitting a loan inquiry, you provide "written instructions" under the Fair Credit Reporting Act (FCRA) authorizing United Mortgage and its lender partners to obtain your credit report and verify your identity.
○ Identity Verification: We may ask for your Social Security Number, address history, or other documentation to prevent fraud and comply with "Know Your Customer" (KYC) regulations.

5. Electronic Communications & Consent (TCPA)
By submitting your contact information, you expressly consent to the following:
○ Electronic Delivery: You agree to receive all disclosures, notices, and loan documents electronically.
○ Marketing & Service Calls: You extend an express invitation for United Mortgage Lenders and its partners to contact you at the numbers provided (including mobile numbers) via telephone, email, SMS/text messages, or automated dialing systems, even if your number is on a federal or state Do Not Call registry.
○ Withdrawal of Consent: You may withdraw consent to electronic communications or opt-out of marketing at any time by calling 305-741-2772 or emailing support@umlenders.com.

6. Third-Party Links & Resources
Our Site may contain links to third-party websites (“Affiliate Sites”). United Mortgage Lenders does not control, monitor, or guarantee the content or accuracy of these sites. Your use of Affiliate Sites is governed by their respective terms and privacy policies.

7. Indemnification
You agree to indemnify, defend, and hold harmless United Mortgage of Florida LLC and its officers, directors, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your access to the Services or your breach of these Terms.

8. Limitation of Liability
To the maximum extent permitted by law, United Mortgage of Florida LLC shall not be liable for any indirect, incidental, or consequential damages resulting from your use of the Services or any information obtained therein.

9. Governing Law & Dispute Resolution
○ Governing Law: These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.
○ Venue: Any legal action must be brought in the courts located in Florida.
○ Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

10. General Provisions
○ Entire Agreement: These Terms constitute the entire agreement between you and United Mortgage.
○ Severability: If any part of these Terms is found unenforceable, the remaining provisions will remain in full effect.
○ Updates: We may modify these Terms at any time. Your continued use of the Site after changes are posted constitutes acceptance of the new Terms.