**Last Updated: [9-19-2024]**
**1. ELIGIBILITY** By using the Website, you confirm that you are at least 18 years old and a legal resident of the United States, excluding New York. Our services are not available in the state of New York.
**2. SERVICES PROVIDED** EZ-IRRRL offers real-time mortgage rate estimates based on the information you provide regarding VA Streamline Refinance Loans (IRRRL). The estimates displayed are for informational purposes only and do not constitute a binding loan offer. Loan offers are subject to full underwriting and credit approval by UFF Express or other participating lenders. Rates and terms may vary based on the information provided, and all terms are subject to change without notice.
**3. ACCURACY OF INFORMATION** You agree to provide accurate and complete information when using the Website, including during the rate-estimate process. The rates provided are based on user input, and incorrect or incomplete information may result in inaccurate rate estimates. The final loan terms may vary after a complete application and credit review.
**4. ADVERTISING DISCLOSURE** The Website complies with all applicable mortgage advertising regulations, including but not limited to the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA). All rate estimates provided through this Website will include accurate and legally required disclosures, including, but not limited to, the Annual Percentage Rate (APR) and estimated closing costs. Advertised rates may not reflect all potential fees, and additional terms or conditions may apply.
**5. NO LEGAL OR FINANCIAL ADVICE** The information on this Website, including rate estimates, is provided for informational purposes only and should not be construed as financial or legal advice. You should consult a licensed mortgage professional or attorney for advice tailored to your individual circumstances.
*6. USER ACCOUNTS** To access certain features of the Website, such as receiving real-time rate estimates, you may need to create an account. You are responsible for maintaining the confidentiality of your account information, including your password. You agree to provide accurate and up-to-date information and to update your account as needed. We reserve the right to suspend or terminate accounts for any fraudulent or unauthorized activity.
**7. PRIVACY** We respect your privacy. Our collection, use, and sharing of personal information are governed by our [Privacy Policy], which is incorporated into these Terms. Please review our Privacy Policy to understand how we handle your information.
**8. USE OF WEBSITE** You agree to use the Website only for lawful purposes and in compliance with all applicable laws and regulations. You may not use the Website to: - Engage in any fraudulent activity or misrepresent your identity. - Attempt to gain unauthorized access to any part of the Website, accounts, or systems. - Upload or distribute malicious software, viruses, or other harmful content.
**9. THIRD-PARTY LINKS** The Website may include links to third-party websites, including those of other mortgage lenders or service providers. These links are provided for your convenience, and we do not endorse or assume responsibility for their content or practices. If you choose to use any third-party services, you do so at your own risk and subject to their terms.
**10. NO GUARANTEES ON ESTIMATES** While we strive to provide accurate, up-to-date rate estimates based on real-time information, we cannot guarantee the availability of any specific rate or loan term at the time of your application. Rates are subject to market fluctuations, and final loan terms will be determined through the underwriting process, which may include credit checks, income verification, and property valuation.
**11. LIMITATION OF LIABILITY** To the fullest extent permitted by law, the Company, UFF Express, and their affiliates, officers, employees, or agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website or the rate estimates provided. This limitation of liability applies to all claims, including those arising from breach of contract, negligence, or other legal theories.
**12. INDEMNIFICATION** You agree to indemnify, defend, and hold harmless the Company, UFF Express, and their affiliates, officers, employees, and agents from any claims, damages, liabilities, or expenses, including legal fees, arising from your use of the Website or your breach of these Terms.
All loan offers are subject to approval based on the lender’s terms and conditions. This Website provides estimates for VA Streamline Refinance Loans (IRRRL) only and is not a comprehensive resource for other loan types. Full disclosure of terms, including the Annual Percentage Rate (APR), estimated fees, and any points or penalties, will be provided in compliance with federal and state laws. Loan terms are subject to change based on final underwriting and verification.
**14. DISPUTE RESOLUTION** All disputes arising from these Terms or your use of the Website shall be resolved through binding arbitration under the rules of the American Arbitration Association. Arbitration shall take place in MO, and the arbitrator’s decision will be final and binding. You agree that any claim or cause of action related to the use of the Website must be filed within one (1) year after the claim arises, or it will be forever barred.
**15. GOVERNING LAW** These Terms and your use of the Website shall be governed by and construed in accordance with the laws of MO, excluding its conflict of law provisions. You agree that any legal action arising from these Terms or the use of the Website shall be filed in the state or federal courts located in MO.
**16. MODIFICATIONS TO TERMS** We may modify these Terms at any time. Any changes will be effective immediately upon posting. By continuing to use the Website after changes are posted, you accept and agree to the modified Terms.
**17. TERMINATION** We reserve the right to terminate or suspend access to the Website for any reason, including violation of these Terms, without notice or liability.
**18. CONTACT INFORMATION** If you have any questions regarding these Terms, please contact us at:
UFF Express, LLC 8700 State Line Rd, Ste 340 Leawood, KS 66206 mburns@uffexpress.com nmls#407550 913-396-1911
EZ-IRRRL: Real-Time VA Streamline