1. Acceptance of These Terms

These Website Terms of Use (“Terms”) govern your access to and use of www.ironoaklending.com (the “Website”). By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

These Terms apply only to your use of the Website. Separate agreements may apply to any loan application, brokerage relationship, privacy rights, electronic communications, or other services.

2. Who Operates the Website

The Website is operated in connection with Mortgages For America, NMLS #993846. Iron Oak Lending is the website operator and, pending registration, is intended to operate as an assumed name of Mortgages For America.

Iron Oak Lending is a mortgage broker, not a lender. Iron Oak Lending does not make credit decisions, approve loans, underwrite loans, or fund loans. Loans are originated and underwritten by third-party lenders. Iron Oak Lending does not hold its own NMLS company registration and relies on the affiliate registration of Mortgages For America, NMLS #993846.

The Website is intended to provide information about business-purpose investor and commercial lending. Product availability and eligibility may vary based on the applicable lender, state, borrower, property, and transaction.

3. No Offer; No Commitment to Lend

Nothing on the Website constitutes an offer to extend credit, a loan commitment, a preapproval, a guarantee of funding, or a commitment to lend.

Rates, terms, loan amounts, loan-to-value requirements, credit requirements, fees, underwriting standards, and program availability vary by lender, by state, and by borrower. All loans are subject to credit approval and the applicable lender’s underwriting, documentation, property, legal, and other requirements.

Submitting an enquiry or communicating with Iron Oak Lending does not create a loan commitment, brokerage engagement, fiduciary relationship, or obligation to provide financing. A loan or financing transaction is not binding unless and until the applicable lender provides and the parties execute the required written documents.

4. Permitted and Prohibited Use

You may use the Website for lawful personal or business purposes, including learning about available lending services and submitting a legitimate enquiry.

You may not:

• Use the Website for an unlawful, fraudulent, misleading, or unauthorized purpose;
• Submit information that is false, misleading, incomplete, or submitted on behalf of another person without authorization;
• Attempt to gain unauthorized access to the Website, its systems, or its data;
• Interfere with or disrupt the Website or its security features;
• Introduce malware, viruses, harmful code, or other damaging material;
• Scrape, crawl, copy, or collect Website content or information through automated means without written permission;
• Impersonate another person or entity;
• Use the Website to distribute unsolicited commercial communications or spam; or
• Reproduce, modify, distribute, sell, or commercially exploit the Website or its content except as permitted by these Terms or with written permission.

5. Intellectual Property and License to Use the Website

The Website and its content, including text, graphics, logos, photographs, designs, software, and other materials, may be owned by or licensed to Mortgages For America, Iron Oak Lending, or their respective licensors. These materials may be protected by intellectual property and other applicable laws.

Subject to these Terms, you may access and use the Website for your personal or internal business purposes. This limited permission does not transfer ownership or grant you any rights except the limited right to use the Website as permitted by these Terms.

You may not copy, reproduce, modify, create derivative works from, publicly display, distribute, publish, transmit, sell, license, or otherwise exploit Website content without prior written permission, except for limited personal or internal business use that does not remove copyright, trademark, or other proprietary notices.

“Mortgages For America,” “Iron Oak Lending,” and related names, logos, and marks may be trademarks or service marks of their respective owners. No license to use those marks is granted by these Terms.

6. No Reliance; No Advice

The Website and its content are provided for general informational purposes only. The information is not legal, tax, accounting, investment, financial, real estate, or other professional advice.

You should consult your own qualified legal, tax, accounting, investment, financial, real estate, and other professional advisors before making decisions based on information provided through the Website.

No information on the Website creates a fiduciary, advisory, agency, or professional relationship between you and Mortgages For America, Iron Oak Lending, or any other person or entity.

Informational and legal review disclaimer: These Terms are informational only, are not legal advice, and should be reviewed and approved by a licensed attorney before publication or use.

7. Accuracy of Information; Changes to the Website

We seek to provide useful and current information, but we do not warrant that the Website or its content is accurate, complete, current, or error-free. Information may become outdated, and availability of products, programs, rates, terms, and services may change.

We may change, update, suspend, or discontinue the Website or any content, feature, product description, or service at any time and without notice. We may also correct errors or omissions without notice.

Information provided through the Website does not override the terms of any applicable loan, brokerage, disclosure, or other written agreement.

8. Third-Party Links

The Website may contain links to websites or resources operated by third parties, including links to dscrdoctors.com and HUD resources. These links are provided for convenience and general information only.

We do not control, endorse, guarantee, or assume responsibility for third-party websites, resources, content, products, services, privacy practices, security, or availability. Your use of a third-party website is subject to that website’s own terms and policies. You access third-party websites at your own risk.

9. Electronic Communications

When you contact us, submit information through the Website, or otherwise communicate with us electronically, you agree that we may communicate with you electronically regarding your enquiry, requested information, potential lending services, and related administrative matters.

Electronic communications may include email, telephone calls, text messages, online notices, and other electronic methods. You may request a paper copy of information where applicable by contacting us using the information in Section 15.

Any consent to marketing communications must be provided separately where required. You may withdraw marketing consent by following the instructions in the applicable communication or by contacting us.

Electronic communications may be subject to message and data rates, carrier limitations, and other applicable charges. We cannot guarantee that electronic communications will always be secure, timely, uninterrupted, or error-free.

10. Disclaimer of Warranties; Limitation of Liability

To the fullest extent permitted by law, the Website and all content, information, features, and services made available through the Website are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied.

To the fullest extent permitted by law, we disclaim warranties including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and freedom from viruses or other harmful components.

We do not warrant that the Website will be uninterrupted, secure, error-free, accurate, complete, or available at any particular time or location.

To the fullest extent permitted by law, Mortgages For America, Iron Oak Lending, and their respective owners, officers, directors, employees, contractors, affiliates, agents, lenders, service providers, licensors, and representatives will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business opportunity, data, goodwill, or other intangible loss, arising out of or relating to your use of, or inability to use, the Website or its content.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Website or these Terms will not exceed the greater of [Dollar Amount] or the amount you paid, if any, to access or use the Website during the [Applicable Period] before the event giving rise to the claim.

Nothing in these Terms limits liability that cannot lawfully be limited or excluded under applicable law.

11. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Mortgages For America, Iron Oak Lending, and their respective owners, officers, directors, employees, contractors, affiliates, agents, lenders, service providers, licensors, and representatives from and against claims, liabilities, damages, losses, judgments, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

• Your use of or access to the Website;
• Your violation of these Terms;
• Your violation of applicable law or the rights of another person or entity;
• Information you submit through the Website; or
• Your misuse of the Website or its content.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate with that defense.

12. Governing Law and Venue

These Terms of Use and any dispute arising out of or relating to them or to the website are governed by the laws of the State of Texas, without regard to its conflict of law provisions, and the parties agree to the exclusive jurisdiction and venue of the state and federal courts located in [county — confirm with counsel], Texas.

13. Termination

We may suspend or terminate your access to the Website, in whole or in part, at any time and without notice, including if we believe you have violated these Terms, applicable law, or the rights of another person or entity.

Upon termination, your right to use the Website will end. Provisions that by their nature should survive termination, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, governing law, and dispute-related rights, will survive.

14. Severability and Entire Agreement

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be enforced to the fullest extent permitted by law, and the remaining provisions will remain in effect.

These Terms, together with any policies or notices expressly incorporated into them, constitute the entire agreement between you and us regarding your use of the Website and supersede prior or contemporaneous understandings about that subject.

If a separate written agreement applies to a particular product, service, loan, or transaction, that agreement will control to the extent of any conflict with these Terms.

Our failure to enforce any provision of these Terms does not waive our right to enforce that provision later.

15. How to Contact Us

If you have questions about these Terms or the Website, contact us at:

Email: seth@ironoaklending.com
Phone: 214-817-0636

Mailing address: [Mailing Address — Confirm]

16. Equal Housing Opportunity

Equal Housing Opportunity. We support the principles of equal access to housing and fair lending. We do not unlawfully discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age, or any other characteristic protected by applicable law.

17. Updates to These Terms

We may update these Terms from time to time. When we do, we may revise the Effective Date shown at the beginning of the Terms. Your continued use of the Website after updated Terms are posted means that you accept the revised Terms, to the extent permitted by applicable law.