Terms & Conditions

These Terms and Conditions govern your access to and use of the websites, mobile applications, portals, software, tools, content, communications, mortgage marketplace, client platform, realtor platform, and related services offered by Unmo Mortgage LLC, referred to as “Unmo,” “Company,” “we,” “our,” or “us.”By accessing or using Unmo, creating an account, submitting information, requesting mortgage-related services, communicating with us, or using any feature of our platform, you agree to these Terms.If you do not agree to these Terms, you should not use Unmo.ABOUT UNMOUnmo Mortgage LLC provides mortgage-related technology, communication tools, loan comparison tools, application support, consumer portals, realtor collaboration tools, document workflows, artificial intelligence-assisted features, and related mortgage services.Unmo may help consumers connect with loan officers, mortgage professionals, lenders, real estate professionals, settlement service providers, technology vendors, and other third parties involved in the mortgage or homeownership process.Unmo does not guarantee loan approval, loan terms, interest rates, closing timelines, lender acceptance, underwriting approval, property acceptance, or availability of any mortgage product.ELIGIBILITYTo use Unmo, you must be at least 18 years old, legally able to enter into a binding agreement, provide accurate and current information, use the platform only for lawful purposes, and comply with all applicable federal, state, and local laws.By using Unmo, you represent that you meet these requirements.NO GUARANTEE OF LOAN APPROVALAny prequalification, preapproval estimate, loan scenario, mortgage comparison, payment estimate, rate quote, eligibility estimate, affordability estimate, or approval-related output provided through Unmo is for informational or preliminary purposes only unless otherwise clearly stated in writing by an authorized licensed mortgage professional.Final loan approval is subject to credit approval, income verification, asset verification, employment verification, debt-to-income review, property appraisal or valuation, title review, underwriting review, investor and lender guidelines, interest rate and pricing changes, satisfactory documentation, and compliance with applicable law.Unmo does not guarantee that you will qualify for a mortgage, receive a specific interest rate, obtain a specific monthly payment, close by a specific date, or be approved by any lender.RATES, PAYMENTS, CALCULATORS, AND ESTIMATESAny mortgage rates, monthly payments, closing cost estimates, affordability calculations, refinance estimates, cash-out estimates, mortgage insurance estimates, tax estimates, insurance estimates, or other financial calculations shown through Unmo are estimates only.Actual rates, payments, fees, costs, and terms may vary based on credit score, loan amount, loan-to-value ratio, property type, occupancy, location, income, assets, debt, loan program, discount points, lender pricing, underwriting requirements, third-party charges, taxes, insurance, and final loan approval.Rates and terms are subject to change without notice unless locked in writing by an authorized lender or licensed mortgage professional.USER ACCOUNTSYou may be required to create an account to access certain features.You agree to provide accurate account information, keep your login credentials confidential, notify us immediately of unauthorized access, be responsible for activity under your account, not share your account with unauthorized users, and not impersonate another person or entity.We may suspend or terminate your account if we believe you violated these Terms, provided false information, misused the platform, created risk for Unmo or others, or used the platform unlawfully.INFORMATION YOU PROVIDEYou agree that all information you provide to Unmo is accurate, complete, current, and not misleading.This may include personal information, contact information, employment information, income information, asset information, debt information, credit-related information, property information, loan purpose, uploaded documents, communications, and application details.You understand that inaccurate, incomplete, outdated, or misleading information may affect loan eligibility, underwriting, pricing, timing, or approval.CONSENT TO ELECTRONIC COMMUNICATIONSBy using Unmo, you consent to receive communications electronically, including by email, text message, phone call, push notification, in-app message, online portal notification, and electronic document delivery.Electronic communications may include disclosures, notices, agreements, status updates, document requests, marketing messages, application updates, and other information related to your use of Unmo.You agree that electronic communications satisfy any legal requirement that such communications be in writing, to the extent permitted by law.TEXT MESSAGE AND PHONE CONSENTBy providing your phone number, you authorize Unmo, its service providers, representatives, partners, and affiliates to contact you by call or text message regarding your inquiry, account, mortgage application, real estate transaction, platform activity, or related services.Messages may include application updates, document reminders, loan status updates, appointment reminders, realtor or loan officer notifications, marketing messages where permitted, transactional alerts, and security notifications.Message and data rates may apply. Message frequency may vary.You may opt out of marketing text messages by replying STOP. For help, reply HELP. Opting out of marketing messages does not prevent transactional, legal, security, account, or application-related communications.CREDIT AUTHORIZATIONWhen you provide authorization, Unmo or its authorized mortgage partners may obtain and use your credit report, credit score, credit attributes, or related credit information for mortgage-related purposes.These purposes may include prequalification, preapproval, loan comparison, mortgage eligibility review, pricing review, underwriting, fraud prevention, compliance, account servicing, and other permissible purposes under applicable law.You understand that credit pulls may impact your credit depending on whether the inquiry is a soft inquiry or hard inquiry. Any credit authorization may be subject to additional disclosures or consents.THIRD-PARTY SERVICESUnmo may integrate with or refer you to third-party services, including mortgage lenders, credit reporting agencies, verification providers, banks or financial data providers, real estate agents, title companies, insurance providers, appraisal providers, settlement service providers, e-signature platforms, document processing vendors, communication platforms, and analytics providers.Unmo is not responsible for the acts, omissions, services, decisions, products, fees, rates, terms, privacy practices, or security practices of third parties.Your use of third-party services may be governed by separate terms, disclosures, consents, and privacy policies.REALTOR, LOAN OFFICER, AND PARTNER FEATURESUnmo may provide tools for real estate agents, loan officers, mortgage professionals, referral partners, or business users.These tools may include client invitations, status tracking, communication tools, marketing tools, CRM features, pipeline management, offer support, referral tracking, collaboration portals, notifications, analytics, and AI-assisted summaries.Business users agree not to use Unmo to misrepresent loan status, provide unauthorized mortgage advice, violate licensing laws, access consumer information without authorization, share confidential borrower information improperly, make false or misleading claims, or violate RESPA, fair lending laws, privacy laws, advertising laws, or other applicable rules.Unmo may restrict, suspend, or terminate business user access for misuse or compliance concerns.ARTIFICIAL INTELLIGENCE AND AUTOMATED TOOLSUnmo may use artificial intelligence, automation, machine learning, rules engines, document intelligence, or decision-support tools to assist with application organization, document review, mortgage scenario analysis, underwriting preparation, eligibility estimates, condition predictions, communication summaries, data extraction, product recommendations, workflow automation, fraud detection, and user experience improvements.AI-generated outputs may be incomplete, inaccurate, outdated, or not applicable to your specific situation. AI tools do not replace licensed mortgage professionals, legal advisors, tax advisors, financial advisors, underwriters, lenders, or final credit decision-makers.You should not rely solely on AI-generated information to make financial, legal, tax, real estate, or mortgage decisions.NOT LEGAL, TAX, FINANCIAL, OR REAL ESTATE ADVICEUnless separately agreed in writing, Unmo does not provide legal, tax, accounting, investment, financial planning, or real estate brokerage advice.Information provided through Unmo is for general informational, operational, or mortgage-related purposes only.You should consult qualified professionals before making decisions involving mortgage financing, real estate purchases, refinancing, tax consequences, legal obligations, investment strategy, contractual rights, or property ownership.ACCEPTABLE USEYou agree not to use Unmo for unlawful, fraudulent, abusive, or deceptive purposes.You also agree not to submit false or unauthorized information, upload malicious code, attempt unauthorized access, interfere with platform security, scrape or harvest data without permission, reverse engineer the platform, use bots or unauthorized tools, impersonate another person, violate intellectual property rights, harass or abuse others, send spam, access consumer information without authorization, or violate mortgage, lending, privacy, advertising, fair lending, or consumer protection laws.We may investigate and take action against violations, including suspension, termination, reporting to authorities, and legal action.UPLOADED DOCUMENTS AND USER CONTENTYou may upload documents, images, data, messages, or other content to Unmo.You retain ownership of content you submit, but you grant Unmo a limited right to use, process, store, transmit, analyze, display, and share that content as necessary to provide services, process mortgage-related requests, support your account, communicate with authorized parties, improve platform functionality, comply with legal obligations, prevent fraud, and enforce these Terms.You represent that you have the right to provide any content you upload and that doing so does not violate the rights of others or applicable law.PRIVACYYour use of Unmo is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect information.By using Unmo, you agree to our Privacy Policy.INTELLECTUAL PROPERTYUnmo, including its name, logos, designs, software, technology, workflows, user interfaces, features, content, graphics, icons, trademarks, service marks, business methods, text, images, videos, and other materials, is owned by Unmo Mortgage LLC or its licensors.You may not copy, reproduce, modify, distribute, sell, lease, license, display, perform, reverse engineer, or create derivative works from Unmo without prior written permission.Nothing in these Terms grants you ownership of Unmo’s intellectual property.PLATFORM AVAILABILITYWe may modify, suspend, limit, or discontinue any part of Unmo at any time, with or without notice.We do not guarantee that Unmo will be uninterrupted, error-free, secure at all times, available in all locations, compatible with all devices, or free from bugs, downtime, data loss, or cyber incidents.We may perform maintenance, updates, upgrades, security patches, or system changes at any time.BETA FEATURES AND EXPERIMENTAL TOOLSSome Unmo features may be released as beta, pilot, test, preview, or experimental features.These features may be incomplete, inaccurate, unstable, unavailable, or changed without notice.You use beta features at your own risk. We may modify or discontinue them at any time.COMPLIANCE WITH MORTGAGE LAWSUsers, real estate professionals, loan officers, business partners, and third parties using Unmo are responsible for complying with all applicable laws and regulations, including mortgage licensing laws, advertising rules, fair lending laws, RESPA, TILA, ECOA, FCRA, GLBA, TCPA, CAN-SPAM, state consumer protection laws, privacy and data security laws, real estate laws, and any applicable lender, investor, or agency requirements.Unmo may restrict access to certain features based on licensing, location, user type, compliance status, or legal requirements.NO FIDUCIARY RELATIONSHIPUse of Unmo does not create a fiduciary, agency, advisory, attorney-client, accountant-client, financial planner-client, real estate brokerage, or special relationship between you and Unmo unless expressly agreed in a separate written agreement.FEES AND PAYMENTSCertain Unmo services, subscriptions, premium features, referrals, platform tools, or partner services may require payment.If fees apply, they will be disclosed separately. You agree to pay applicable fees, charges, taxes, or costs associated with the services you select.Third-party providers may charge separate fees. Unmo is not responsible for third-party fees unless expressly stated in writing.SUBSCRIPTION SERVICESIf Unmo offers paid subscription services, you agree that subscription fees may be billed on a recurring basis, you authorize recurring charges to your selected payment method, fees are non-refundable unless otherwise stated, you are responsible for canceling before renewal if you do not want to continue, and Unmo may change pricing with notice as required by law.Specific subscription terms may be provided separately.TERMINATIONWe may suspend, restrict, or terminate your access to Unmo at any time if you violate these Terms, provide false or misleading information, create risk to Unmo or others, misuse consumer information, violate applicable law, trigger fraud or security concerns, or if we discontinue a feature or service.You may stop using Unmo at any time.Termination does not affect obligations that survive termination, including payment obligations, intellectual property rights, disclaimers, liability limitations, indemnification, dispute terms, and recordkeeping rights.DISCLAIMERSUnmo is provided on an “as is” and “as available” basis.To the fullest extent permitted by law, Unmo disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, non-infringement, security, reliability, completeness, timeliness, and suitability for mortgage approval or financial decisions.We do not warrant that Unmo will meet your expectations, produce specific results, or be free from errors, interruptions, security incidents, or inaccuracies.LIMITATION OF LIABILITYTo the fullest extent permitted by law, Unmo Mortgage LLC, its owners, officers, directors, employees, contractors, affiliates, vendors, partners, and agents shall not be liable for any indirect, incidental, special, consequential, punitive, exemplary, or similar damages, including damages for lost profits, lost opportunities, lost data, business interruption, loan denial, missed closing dates, rate changes, property transaction issues, third-party errors, platform downtime, unauthorized access, inaccurate estimates, or reliance on platform outputs.To the fullest extent permitted by law, Unmo’s total liability for any claim shall not exceed the greater of the amount you paid directly to Unmo for the specific service giving rise to the claim during the three months before the claim arose, or $100.Some jurisdictions do not allow certain limitations, so some of these limitations may not apply to you.INDEMNIFICATIONYou agree to defend, indemnify, and hold harmless Unmo Mortgage LLC, its owners, officers, directors, employees, contractors, affiliates, vendors, partners, and agents from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising from or related to your use of Unmo, your violation of these Terms, your violation of law, your misuse of consumer information, your submission of false or misleading information, your uploaded content, your infringement of third-party rights, your unauthorized access, or your misuse of the platform.DISPUTE RESOLUTIONBefore filing a claim, you agree to first contact Unmo and attempt to resolve the dispute informally.Contact:Email: [Insert Legal Email]
Mailing Address: [Insert Business Address]If the dispute cannot be resolved informally, the dispute will be handled according to the governing law and venue provisions below, unless a separate written agreement applies.GOVERNING LAWThese Terms are governed by the laws of the State of [Insert State], without regard to conflict of law principles.VENUEYou agree that any legal action or proceeding arising from or related to these Terms or your use of Unmo shall be brought in the state or federal courts located in [Insert County and State], unless applicable law requires otherwise.You consent to the jurisdiction and venue of those courts.CHANGES TO THESE TERMSWe may update these Terms from time to time. When we do, we will update the “Last Updated” date.If changes are material, we may provide additional notice as required by law.Your continued use of Unmo after updated Terms are posted means you accept the updated Terms.ADDITIONAL TERMSCertain products, services, promotions, subscriptions, partner programs, lender services, or business tools may be subject to additional terms.If additional terms conflict with these Terms, the additional terms will control for the specific service they govern.ASSIGNMENTYou may not assign or transfer your rights or obligations under these Terms without our prior written consent.Unmo may assign or transfer these Terms in connection with a merger, acquisition, reorganization, sale of assets, financing, corporate restructuring, or by operation of law.SEVERABILITYIf any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.NO WAIVEROur failure to enforce any provision of these Terms does not waive our right to enforce that provision later.ENTIRE AGREEMENTThese Terms, together with the Privacy Policy and any applicable disclosures, consents, or additional agreements, constitute the entire agreement between you and Unmo regarding your use of the platform and services.CONTACT INFORMATIONFor questions about these Terms, contact:Unmo Mortgage LLC
Email: [Insert Legal Email]
Phone: [Insert Phone Number]
Mailing Address: [Insert Business Address]
18. Contact UsFor privacy questions, requests, or concerns, contact us at:Unmo Mortgage LLC


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