This Site is provided for the purpose of offering information about mortgage services and allowing potential clients to submit inquiries or begin a loan application.
By using the Site, you represent that:

• You are at least 18 years old,
• You will use the Site in compliance with all applicable laws,
• You will not use the Site for fraudulent or unauthorized purposes.

Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the Site, you acknowledge that you have reviewed our Privacy Policy.

When you visit our Site, submit a form, or send us an email or text message, you are communicating with us electronically. You consent to receive communications from us electronically and agree that any disclosures, notices, agreements, and information we provide electronically satisfy all legal requirements for written communication.

f you create an account or submit information through the Site:

• You are responsible for maintaining the confidentiality of your login credentials.
• You accept responsibility for all activities conducted under your account.
• You may not share, transfer, or assign your account to another individual or entity.

We reserve the right to suspend, terminate, or refuse service at our discretion if we believe your account has been compromised or misused.

This Site is not intended for individuals under 18 years of age. We do not knowingly collect personal information from anyone under 18. If you are under 18, you may only use this Site with the consent and supervision of a parent or guardian.

The Site may contain links to third-party websites or integrate services operated by third parties.
Please note:

• These sites are not controlled by Mortgages By Claudia.
• We are not responsible for their content, privacy practices, or policies.
• Any link on our Site does not imply endorsement or association.

Some services available on the Site may be delivered by third-party partners. By using these services, you agree that we may share information with these third parties as reasonably necessary to provide the requested services.

All content available on this Site, including text, graphics, logos, icons, images, videos, and software, is the property of Mortgages By Claudia or our licensors, protected under U.S. and international copyright laws.

You agree that you will:

• Not copy, reproduce, modify, distribute, or create derivative works from Site content.
• Not use any content for commercial purposes without written permission.
• Only use Site content for personal, non-commercial use.

No license to our intellectual property is granted unless expressly stated within these Terms.

You agree not to use the Site in any way that:

• Violates any federal, state, or local law;
• Harms, disrupts, or interferes with the Site’s functioning;
• Attempts to gain unauthorized access to the Site or related systems;
• Uses automated tools (bots, scrapers, crawlers) without permission;
• Attempts to obtain information not intended to be made available through the Site.

This Site is controlled and operated within the United States. If you access the Site from outside the U.S., you are responsible for complying with local laws. You may not use or export content in violation of U.S. export laws or regulations.

You agree to indemnify and hold harmless Mortgages By Claudia, its owners, employees, contractors, partners, and affiliates from any claims, losses, damages, liabilities, costs, or expenses (including attorney’s fees) arising from:

• Your use of the Site,
• Your violation of these Terms,
• Your violation of any applicable laws,
• Your infringement of any third-party rights.

If a dispute arises related to these Terms or your use of the Site, the parties agree to resolve the dispute through binding arbitration, conducted under the rules of the American Arbitration Association (AAA).

• Arbitration will take place individually (not as a class action).
• The arbitrator’s decision will be final and enforceable in any court with jurisdiction.
• Each party is responsible for its own legal fees unless otherwise determined by the arbitrator.

This arbitration clause survives termination of these Terms.

By using this Site, you agree that:

• You may only bring claims against Mortgages By Claudia in your individual capacity.
• You waive the right to participate in class actions, collective actions, or representative actions.
• The arbitrator may not consolidate multiple individuals’ claims without written consent from all parties.

The Site, its content, and its services are provided “as is” and “as available” without warranties of any kind, express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, completeness, or reliability of information

We make no guarantee that the Site will be uninterrupted, error-free, or secure.

To the maximum extent permitted by law, Mortgages By Claudia is not liable for:

• Direct, indirect, incidental, consequential, or punitive damages,
• Loss of data, revenue, or profits,
• Any damages arising from your use or inability to use the Site,
• Errors or delays in the operation of the Site,
• Third-party actions or content.

Your sole remedy is to stop using the Site.

We may suspend or terminate your access to the Site at our discretion, without notice, for any reason including violation of these Terms.

These Terms will continue to apply even after termination of your access.

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
You agree to submit to the jurisdiction of courts located in Florida for matters not subject to arbitration.

These Terms constitute the entire agreement between you and Mortgages By Claudia regarding the Site.

Any prior agreements, written or oral, regarding the Site are superseded by these Terms.

We may revise these Terms at any time.
The most recent version will always be posted on this page with the updated “Last Updated” date.
Your continued use of the Site after changes are posted means you accept the revised Terms.

If you have questions or concerns about these Terms, please contact us at:

Mortgages By Claudia, LLC
📍1 Meadowlands Plaza Suite 219 • East Rutherford, NJ 07073
📧 info@mortgagesbyclaudia.com
📞+1 484 935 1700