Terms of Service

1. Acceptance of Terms

By accessing and using My Mortgage Wizard ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our website or services.

2. Nature of Service

My Mortgage Wizard is an independent marketing portal and educational resource. We are not a licensed mortgage lender, broker, or financial institution. We do not issue loan approvals, lock interest rates, or make credit decisions.

The calculators and tools provided on this site are for educational and informational purposes only. They provide estimates based on the information you input and do not constitute an offer to lend or a guarantee of specific loan terms.

3. Zero Sensitive Data Policy

In accordance with our commitment to your privacy and security, we strictly forbid the submission of sensitive personal information through our platform. You agree not to provide Social Security Numbers (SSNs), dates of birth, or sensitive financial account numbers through any form or communication on this site.

4. Third-Party Services

When you submit a request through our Mortgage Wizard, we may connect you with independent, licensed mortgage professionals. We do not endorse or recommend any specific lender or broker. Any relationship you enter into with a third-party professional is solely between you and that party. We are not responsible for the services, actions, or omissions of these third parties.

5. Intellectual Property

All content, design elements, and materials on this website are the intellectual property of My Mortgage Wizard or its licensors and are protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

6. Limitation of Liability

To the fullest extent permitted by law, My Mortgage Wizard shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of or inability to use our website or services, including any decisions made based on the estimates provided by our calculators.

7. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will post the revised terms on this page and update the "Last updated" date. Your continued use of the website following any changes constitutes your acceptance of the new terms.