Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the Davis Monroe Financial website located at this domain (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 ("borrowers") 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 — including approval, interest rates, terms, and conditions — 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 or restrict or inhibit anyone else's use of the Site. 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 or its related systems
• Using the Site to transmit unsolicited communications, spam, or malware
• Scraping, harvesting, or collecting information from the Site by automated means
• Attempting to decompile, reverse engineer, or disassemble any software or content accessible through the Site
• Taking any action that imposes an unreasonable or disproportionate load on our infrastructure
• Using the Site in any manner that violates applicable federal, state, or local law or regulation

Account Responsibility

If you create an account or profile with us in connection with a loan application, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to comply with these responsibilities.

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 in connection with exploring our mortgage brokerage services. You may not:

• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without express written permission from Davis Monroe Financial
• Use any Davis Monroe Financial trademarks, logos, or trade names without prior written consent
• Frame or mirror any portion of the Site on any other website or platform

Any feedback, suggestions, or ideas you submit to us regarding the Site or our services may be used by us freely, without obligation to you.

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. Any loan offer, rate, or term you receive is from the lender, not from Davis Monroe Financial.

Not Financial or Legal Advice. Information provided on this Site, in conversations with our staff, or in any materials we share 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. Loan approval is subject to lender underwriting criteria, your creditworthiness, and market conditions, all of which are beyond our control.

"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, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

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 — including loss of profits, data, goodwill, or other intangible losses — arising out of or related to:

• Your use of, or inability to use, the Site or our services
• Any loan decision made by a lender, including denials, rate changes, or term modifications
• Unauthorized access to or alteration of your transmissions or data
• Any third-party content or conduct on the Site
• Any other matter relating to the Site or services

Our total liability to you for any claim arising from your use of the Site or our services shall not exceed the fees, if any, paid by you to Davis Monroe Financial in the twelve months preceding the event giving rise to the claim. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you.

SMS and Communication Consent

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

• Message and data rates may apply depending on your mobile carrier and plan.
• Message frequency will vary based on the stage of your inquiry or application.
• You may opt out of SMS communications at any time by replying STOP to any text message from us or by contacting us at (320) 200-2821.
• Consent to receive SMS messages is not a condition of obtaining any loan product or service.
• For assistance, reply HELP to any text message or contact us directly.

By calling or texting us at (320) 200-2821, you consent to the recording of calls for quality assurance and training purposes, as permitted by applicable law.

Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by this reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal and financial information. By using our Site, you consent to the collection and use of your information as described in our Privacy Policy.

Third-Party Links

Our Site may contain links to third-party websites, including lender websites, real estate resources, and government agencies. These links are provided for your convenience only. Davis Monroe Financial has no control over the content, privacy practices, or security of third-party sites and is not responsible for any damages or losses caused by your use of those sites. The inclusion of any link does not imply our endorsement or affiliation with the linked site. We encourage you to review the terms and privacy policies of any third-party site you visit.

Governing Law and Dispute Resolution

These Terms and your use of the Site and our services are governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law principles.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Kanabec County, Minnesota, and you irrevocably consent to personal jurisdiction in those courts.

Before initiating any formal legal proceeding, you agree to contact us directly at (320) 200-2821 or at our mailing address below to attempt to resolve the dispute informally. We will make reasonable efforts to address your concerns within thirty (30) days of receipt.

Changes to Terms

We reserve the right to modify these Terms at any time at our sole discretion. When we make material changes, we will update the "Last updated" date at the top of this page. In some cases, we may provide additional notice, such as a statement on our homepage or an email notification.

Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. If you do not agree to the new Terms, you should discontinue using the Site and our services.

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) 200-2821