Terms of service

1. AGREEMENT TO TERMS

Your use of this application and your transactions with MortgageCouch, Inc. are subject to these Terms of Service ("Terms"). By accessing this application beyond the homepage, you acknowledge and agree to these Terms, regardless of whether you complete a transaction with MortgageCouch, Inc.

2. OUR SERVICES

MortgageCouch, Inc. provides mortgage brokerage services, loan-related guidance, and financial tools to assist individuals and entities in securing mortgage financing. The resources available through our Services are for informational purposes only and do not constitute financial, legal, or tax advice. Mortgage decisions should be made after consulting with a qualified professional.

Our Services are available only in California, Oregon, and Texas, where we are authorized to operate. Accessing our Services from outside these jurisdictions is at your own risk, and you are responsible for ensuring compliance with applicable laws.

MortgageCouch, Inc. acts solely as an intermediary, not a lender. All mortgage offers, rates, terms, and conditions are subject to lender approval, underwriting requirements, and regulatory compliance.

Minors (typically under 18 years old) must obtain permission from and be directly supervised by a parent or legal guardian to use the Services. The parent or guardian must review and agree to these Terms before the minor uses the Services.

We recommend printing a copy of these Terms for your records.

3. APPLICATION OWNERSHIP

This application is owned and operated by MortgageCouch, Inc., located at:

MortgageCouch, Inc.
1500 Palma Drive, 2nd Fl
Ventura, CA 93003
Phone: 805-676-0377

Fax: 888-849-2316
Email: team@mortgagecouch.com

4. PERMITTED USE

By using this application, you agree that:

• You are at least 18 years old.
• You will comply with these Terms each time you access the application.
• You will not use the application for any unlawful or unauthorized purposes,      including but not limited to:
  • Interfering with our network services.
  • Transmitting harmful code, spam, or unauthorized communications.
  • Violating our intellectual property rights.
  • Engaging in activities that degrade or impair the operation of the application.

5. ACCESS RESTRICTIONS

MortgageCouch, Inc. reserves the right, at its sole discretion and without notice, to deny or restrict access to this application at any time.

6. USER SUBMISSIONS AND CONTRIBUTIONS

By submitting content ("Submissions") or posting contributions ("Contributions") through the Services, you agree that:

• MortgageCouch, Inc. owns all intellectual property rights in Submissions.
• Contributions, including text, images, videos, and other media, may be used, modified, or distributed by MortgageCouch, Inc. without acknowledgment or compensation.
• You are responsible for your Submissions and Contributions and agree to indemnify MortgageCouch, Inc. against any claims arising from them.
• MortgageCouch, Inc. may remove or modify Contributions at its discretion.

7. INTELLECTUAL PROPERTY RIGHTS

All intellectual property related to this application, including but not limited to trademarks, copyrights, patents, and trade secrets, belongs to MortgageCouch, Inc. The following marks are owned by MortgageCouch, Inc.:

• MORTGAGECOUCH
• MC MORTGAGECOUCH HOME LOANS MADE COMFORTABLE

Users may not copy, reproduce, or distribute any content from this application without prior written consent.

8. INDEMNIFICATION

You agree to indemnify and hold harmless MortgageCouch, Inc. and its affiliates, officers, employees, and agents from any claims, damages, liabilities, or expenses arising from your use of this application.

9. DISCLAIMERS

This application is provided "as is" without any warranties, express or implied. MortgageCouch, Inc. makes no guarantees regarding the accuracy, reliability, or completeness of its content. Use of this application is at your sole risk.

10. LIMITATION OF LIABILITY

Under no circumstances shall MortgageCouch, Inc. be liable for any direct, indirect, incidental, special, or consequential damages arising from your use or inability to use this application.

11. GOVERNING LAW

These Terms are governed by the laws of the State of California. Any disputes arising from these Terms shall be subject to binding arbitration in California, with no right to class action claims.

12. PROHIBITED ACTIVITIES

Users may not engage in:

• Data mining or unauthorized data collection.
• Fraudulent activities or misrepresentation.
• Uploading harmful software or viruses.
• Harassing, threatening, or defaming others.
• Any activity that disrupts the normal operation of the application.

13. THIRD-PARTY LINKS

This application may contain links to third-party websites. MortgageCouch, Inc. is not responsible for the content, policies, or practices of any third-party sites.

14. PRIVACY POLICY

We take data privacy seriously. Please review our Privacy Policy for details on how we collect, store, and use personal information.

15. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to modify, suspend, or discontinue this application at any time without notice. We are not responsible for any disruptions or losses resulting from such modifications.

16. DISPUTE RESOLUTION

Before initiating formal legal proceedings, you agree to attempt to resolve disputes informally by contacting MortgageCouch, Inc. If a dispute remains unresolved, it shall be subject to binding arbitration in California.

17. ELECTRONIC COMMUNICATIONS

By using our Services, you consent to receive communications electronically, including emails and SMS messages. Standard messaging and data rates may apply.

18. CONTACT INFORMATION

For questions or concerns regarding these Terms, contact us at:

MortgageCouch, Inc.
1500 Palma Drive, 2nd Fl
Ventura, CA 93003
Phone: 805-676-0377

Fax: 888-849-2316
Email: team@mortgagecouch.com