The following is an agreement between yourself (you) and Mortgage Research Center, LLC. By using this website ("the website") and accessing any of the contents contained in it, you agree to be bound by the following terms and conditions. If you disagree with any of the Terms and Conditions of Use below, please navigate away from the site. These terms function closely with our Privacy Policy, which is incorporated by reference, so please review that too.

Terms of Use Agreement
Mortgage Research Center strives to ensure the information contained on the website is accurate, although occasionally errors may occur. Mortgage Research Center reserves the right to make changes and/or improvements to this website at any time. Further, THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES ARE PROVIDED 'AS IS' WITH NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. MORTGAGE RESEARCH CENTER, OR ANY OF ITS AFFILIATES, IS NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THE SITE.

The Site is intended for users who are at least 18 years old and reside in the United States or the District of Columbia. By accessing this site, you agree that you are bound by these Terms and Conditions of Use in their entirety.

Intellectual Property
All contents of the Site are the intellectual property of Mortgage Research Center, LLC, 2101 Chapel Plaza Ct., Columbia, MO 65203. The Site and its contents are copyright protected as of the date published. All rights reserved. Mortgage Research Center is a registered trademark of Mortgage Research Center, LLC. Other product and company names mentioned herein, including the names of Lenders, may be the trademarks of their respective owners.

Loan Information Inquiries
When you submit a request for information (an "inquiry") to Mortgage Research Center, we will share the personal information that you provided, including but not limited to your full name, email address, telephone number, estimated credit score, and any other information you provided ("Self-Reported Information") with our Network Members to process and fulfill your request. Any inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with one or more Network Members to receive conditional loan offers from them. Once you submit an inquiry, a Network Member will contact you, most likely by telephone at the phone number you provided. The Network Member will ask you for additional information. WE WILL NOT ACCESS YOUR CREDIT WITHOUT YOUR EXPRESS VERBAL OR WRITTEN PERMISSION.

The data and other information you may provide MRC is not an application for a loan or a request to be pre-approved or pre-qualified. You further acknowledge that we are not acting as your agent or broker and are not recommending any particular loan product or Network Member to you. MRC does not guarantee specific loan terms or qualifications with any Network Member. You agree that we will not be liable for any damages or costs of any type which arise out of or in connection with your use of a Network Member’s service.

Any compensation we may receive is paid by the individual Network Member for the products and services rendered by us to that particular Network Member. We do not charge you a fee to use our Website(s).

By submitting your inquiry, you are consenting to be contacted by one or more Network Members either by telephone (on a recorded line), automated calling, on a mobile device, via text message, email or mail, based on the information you have provided to us. You understand that our Network Members may maintain the information you submitted to us whether you elect to use their services or not. You agree to notify any particular Network Member directly if you no longer want to receive communications from them. You also give us permission to send you periodic updates of current loan products which may be of interest to you. Network Members may also share your completed Loan information with us in order to comply with legal or regulatory requirements, or for internal marketing and analytics. You are providing express written consent for us to retain this information upon completion of an inquiry form and the selected Network Member to share this information with us for this purpose.

Errors and Delays
Mortgage Research Center is not responsible for any errors or delays in responding to your inquiry arising out of inaccurate information provided by you, or any other cause outside of our commercially reasonable control.

Dispute Resolution
Any claim, dispute, or cause of action arising out of the use of the Site shall be subject to arbitration under the commercial arbitration rules of the American Arbitration Association, in a proceeding held before one arbitrator as chosen by Mortgage Research Center. The arbitration shall occur in Boone County, Missouri. Any claim, dispute, or cause of action shall be resolved in the arbitration proceeding and shall be binding on all parties. You, as the consumer, waive and forfeit any and all rights to any action in state or federal court to defend or assert your rights.

Indemnity
You agree to indemnify Mortgage Research Center, LLC and its' Affiliates from and against any and all liabilities, expense (including attorney's fees) and damages arising out of any claims resulting from your use of this website, including without limitation any claims alleging facts that, if true, would constitute a breach by you of these Terms and Conditions of Use.

Other Terms — Complete Agreement and Choice of Law
This agreement between you and Mortgage Research Center, LLC supersedes all prior communications, whether oral or written. To the extent allowable, this agreement shall be subject to the laws of the State of Missouri. All rights not expressly granted herein are reserved.

Please Print and Retain a Copy of this Agreement for Your Records.

Mortgage Research Center, LLC (Last Updated: February 13, 2018)