Terms of Service

Welcome to Preferred Lender! By accessing or using our website and services, you agree to comply with these Terms of Service. These terms are designed to outline the rights and responsibilities of both parties and ensure a transparent and professional experience.

Introduction

Preferred Lender is a mortgage brokerage company headquartered at:

By using our website or services, you confirm that you have read, understood, and agree to these Terms of Service.

Our Services

Preferred Lender provides mortgage brokerage services, including but not limited to:

• Assisting with mortgage applications and pre-approvals
• Facilitating communication between borrowers and lenders
• Providing guidance and advice on mortgage products and solutions

These services are subject to availability and eligibility requirements. Preferred Lender reserves the right to modify or discontinue any services at its sole discretion.

Eligibility

• You must be at least 18 years old or the legal age of majority in your jurisdiction to use our services.
• By using our services, you represent that all information you provide is accurate, complete, and truthful.
• Preferred Lender reserves the right to refuse service if fraudulent or incomplete information is provided.

Your Responsibilities

As a user of Preferred Lender's services, you agree to:

• Provide accurate and up-to-date personal and financial information
• Use our services solely for lawful purposes
• Not engage in activities that disrupt or harm our website, services, or other users

Failure to comply with these responsibilities may result in suspension or termination of access to our services.

Privacy

Your personal information is handled in accordance with our Privacy Policy. By using our services, you consent to the collection, use, and sharing of your information as outlined in the Privacy Policy.

Third-Party Services

Preferred Lender works with third-party service providers, including lenders and financial institutions, to deliver our services. While we strive to partner with reputable providers, we are not responsible for the actions, decisions, or terms of third-party providers.

You acknowledge that any agreements or transactions with third parties are separate from your relationship with Preferred Lender.

No Guarantee of Loan Approval

Preferred Lender facilitates the mortgage process but does not guarantee loan approval, specific loan terms, or interest rates. Loan decisions are made by lenders based on their criteria, and Preferred Lender is not liable for any denial or unfavorable terms.

Intellectual Property

All content on our website, including logos, text, graphics, and tools, is the property of Preferred Lender or its licensors. You may not reproduce, distribute, or use any content without prior written consent.

Disclaimers

Preferred Lender provides services on an "as-is" and "as-available" basis. We make no guarantees about the accuracy, reliability, or timeliness of the information on our website or provided through our services.

Preferred Lender is not responsible for:

• Errors, omissions, or inaccuracies in loan applications or documentation
• Delays or issues caused by third-party providers
• Losses or damages resulting from the use of our services

Limitation of Liability

To the maximum extent permitted by law, Preferred Lender and its employees, affiliates, and agents are not liable for any direct, indirect, incidental, or consequential damages arising from the use of our services or website.

Indemnification

You agree to indemnify and hold Preferred Lender harmless from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of third-party rights.

Termination

Preferred Lender reserves the right to terminate or suspend access to our services at any time for any reason, including but not limited to a breach of these Terms of Service.

Governing Law

These Terms of Service are governed by the laws of the State of Utah. Any disputes arising from these terms or your use of our services will be resolved in the courts located in Utah.

Changes to Terms of Service

Preferred Lender reserves the right to update or modify these Terms of Service at any time. Changes will be effective immediately upon posting on our website. Continued use of our services signifies your acceptance of the updated terms.