Terms of Service

Agreement to Terms

These Terms of Service (“Terms”) govern your access to and use of the Davis Monroe Financial website (the “Site”) and the mortgage brokerage services we offer. By visiting our Site, contacting us, or using our services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must immediately discontinue use of our Site and services. These Terms constitute a legally binding agreement between you and Davis Monroe Financial (“DMF,” “we,” “our,” or “us”), a mortgage brokerage located at 2244 Hwy 65, Mora, MN 55051.

We reserve the right to modify these Terms at any time. Changes take effect upon posting to the Site with an updated “Last updated” date. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

Description of Services

Davis Monroe Financial is a licensed mortgage brokerage. We act as an intermediary to connect individuals and families with a network of mortgage lenders who may offer home loans, construction loans, refinancing, and related mortgage products.

Important: Davis Monroe Financial is a mortgage broker, not a direct lender. We do not fund, originate, or service mortgage loans. All lending decisions are made solely by the lender you are matched with, not by Davis Monroe Financial.

Our services include, but are not limited to:

• Evaluating your financial profile and loan needs
• Presenting loan options from our network of lending partners
• Assisting with the completion and submission of loan applications
• Coordinating communications between you and your selected lender
• Providing guidance throughout the mortgage process

Use of our Site or submission of an inquiry does not constitute a loan application, a commitment to lend, or a guarantee of any loan product or rate. All loan products are subject to lender underwriting and approval requirements.

Use of Website

Acceptable Use

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. Prohibited conduct includes:

• Submitting false, inaccurate, or misleading information in any form or inquiry
• Attempting to gain unauthorized access to any portion or feature of the Site
• Using the Site to transmit unsolicited communications, spam, or malware
• Harvesting or collecting information from the Site by automated means
• Attempting to decompile, reverse engineer, or disassemble any software on the Site
• Using the Site in any manner that violates applicable federal, state, or local law

Content and Intellectual Property

All content on the Site — including text, graphics, logos, icons, images, and software — is the property of Davis Monroe Financial or its content suppliers and is protected by United States copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for your personal, non-commercial use. You may not reproduce, sell, frame, or exploit any portion of the Site without express written permission from Davis Monroe Financial.

Disclaimer

Not a Lender. Davis Monroe Financial is a licensed mortgage broker. We facilitate the connection between borrowers and lenders but do not make lending decisions, set interest rates, or guarantee loan approval.

Not Financial or Legal Advice. Information provided on this Site is for general informational purposes only and does not constitute financial, legal, tax, or investment advice. You should consult qualified professionals before making any financial decisions.

No Guarantee of Results. We do not guarantee that you will be approved for any particular loan product, rate, or term.

“As Is” Disclaimer. The Site and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

Limitation of Liability

To the fullest extent permitted by applicable law, Davis Monroe Financial, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or our services.

Electronic Records and E-SIGN Consent

If you choose to submit a loan inquiry or application through our Site, you consent to receive electronic records and disclosures from us and our lending partners, as permitted by the Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state laws.

• You confirm that you have access to a computer or mobile device with internet access and a compatible web browser to view electronic records.
• You consent to the use of electronic signatures, electronic records, and electronic disclosures in connection with your loan inquiry or application.
• You may withdraw your consent to receive electronic records at any time by contacting us. If you withdraw consent, we may no longer be able to provide certain services to you electronically.
• To retain electronic records, you may print them or save them to your device. We recommend keeping copies of all important disclosures for your records.

SMS and Communication Consent

By submitting your phone number through any form on our Site, you expressly consent to receive phone calls and text messages (SMS) from Davis Monroe Financial related to your mortgage inquiry or application.

• Message and data rates may apply.
• Message frequency will vary based on the stage of your inquiry.
• You may opt out at any time by replying STOP to any text message.
• Consent to receive SMS is not a condition of obtaining any loan product or service.

Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by this reference.

Third-Party Links

Our Site may contain links to third-party websites. Davis Monroe Financial has no control over the content or security of those sites and is not responsible for any damages or losses caused by your use of them.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Minnesota, without regard to its conflict of law principles. Any dispute arising out of these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Kanabec County, Minnesota.

Changes to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the “Last updated” date at the top of this page. Your continued use of the Site following the posting of revised Terms means you accept those changes.

Contact Information

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

• Davis Monroe Financial
• 2244 Hwy 65, Mora, MN 55051
• Phone: (320) 200-5126