1. Acceptance of Terms

By accessing and using the Roseth Mortgage website and services, you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") govern your use of our website, mobile applications, and all related services.

2. Description of Service

Roseth Mortgage provides:

• Mortgage lending and loan origination services
• AI-powered pre-qualification and pre-approval tools
• Educational resources about home financing
• Customer support and consultation services
• Online application and document submission platforms

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and truthful information
• Comply with all applicable laws and regulations
• Not be prohibited from receiving services under applicable law

4. User Responsibilities

You agree to:

• Provide accurate, complete, and up-to-date information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Not interfere with or disrupt our services
• Comply with all applicable federal, state, and local laws

5. Loan Applications and Approval

• Application Process: All loan applications are subject to our underwriting standards and approval process
• Pre-qualification vs. Pre-approval: Pre-qualification estimates are not guarantees of loan approval
• Credit Authorization: By applying, you authorize us to obtain your credit report and verify information
• Loan Terms: Final loan terms may differ from initial estimates based on underwriting
• Right to Decline: We reserve the right to decline any application

6. Fees and Charges

Our fee structure includes:

• Origination fees (as disclosed in your Loan Estimate)
• Third-party fees (appraisal, title, etc.)
• Processing and underwriting fees
• Late payment fees (if applicable)

All fees will be clearly disclosed before you commit to any loan.

7. Intellectual Property

All content on our website, including but not limited to:

• Text, graphics, logos, and images
• Software and AI algorithms
• Trademarks and service marks
• Proprietary tools and calculators

Are owned by Roseth Mortgage and protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Disclaimers

• No Warranty: Our services are provided "as is" without warranties of any kind
• Accuracy: While we strive for accuracy, we do not guarantee the completeness or accuracy of all information
• Third-Party Content: We are not responsible for third-party content or services
• Market Conditions: Interest rates and loan terms may change based on market conditions

10. Limitation of Liability

To the maximum extent permitted by law, Roseth Mortgage shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from system downtime or technical issues
• Third-party actions or omissions

Our total liability shall not exceed the amount of fees paid to us for the specific service in question.

11. Indemnification

You agree to indemnify and hold harmless Roseth Mortgage from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any applicable laws
• Inaccurate information you provide

12. Termination

We may terminate or suspend your access to our services at any time for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Any reason with appropriate notice

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of New York.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms on our website
• Sending email notifications
• Updating the "Last Updated" date

Continued use of our services after changes constitutes acceptance of the new Terms.

15. Contact Information

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