Apply Now 24/7

Acceptance of Terms

By accessing and using the Apply Now 24/7 website ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

Apply Now 24/7 provides an online platform that allows users to:

• Access educational content about financial products including mortgages
• Use calculators and tools to estimate loan terms and payments
• Learn about different mortgage options and qualification requirements
• Receive educational information about the home buying process

User Responsibilities

Appropriate Use

You agree not to:

• Use the service for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the service or servers connected to the service
• Use automated systems to access the service without permission
• Impersonate any person or entity or misrepresent your affiliation
• Transmit any viruses, malware, or other harmful code

Educational Nature

Apply Now 24/7 is purely educational. We do not:

• Offer lending services or make loans
• Guarantee loan approval or specific terms
• Receive compensation from lenders or financial institutions
• Provide personalized financial advice

Intellectual Property

The content, organization, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to the Apply Now 24/7 website are protected under applicable copyrights, trademarks, and other proprietary rights. The copying, redistribution, use, or publication by you of any such matters or any part of the website is strictly prohibited.

Disclaimers and Limitations

Information Accuracy

While we strive to provide accurate and up-to-date information, we make no warranties or representations about the accuracy, completeness, or timeliness of the information on our website. Interest rates, terms, and availability of financial products are subject to change without notice.

Service Availability

We do not guarantee that our service will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the service, resulting in interruptions, delays, or errors.

Limitation of Liability

Apply Now 24/7 shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use the service, even if we have been advised of the possibility of such damages.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using our service, you consent to the collection and use of your information as outlined in our Privacy Policy.

Termination

We reserve the right to terminate or suspend your access to our service at any time, with or without cause, and with or without notice. Upon termination, your right to use the service will cease immediately.

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on our website. Your continued use of the service after any such changes constitutes your acceptance of the new Terms of Service.

Governing Law and Disputes

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising out of or relating to these Terms of Service or your use of our service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Ohio.

Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the Terms of Service shall otherwise remain in full force and effect.

Contact Information

If you have any questions about these Terms of Service, please contact us: