Terms and Conditions
1. Agreement Between Users and TopClassMortgage.com
These Terms constitute a legally binding agreement between you (the "User") and Top Class Mortgage Inc. Dba TC Mortgage("we," "us," "our," or "TopClassMortgage.com"). By using the Site, you acknowledge that you have read, understood, and agree to these Terms.
2. Privacy
Your use of the Site is also governed by our Privacy Policy, which explains how Top Class Mortgage, Inc. (TC Mortgage collect, use, and protect your personal information. By using the Site, you consent to the data practices outlined in the Privacy Policy. Please review it carefully.
3. Electronic Communications
By using the Site, you consent to receive communications from us electronically. We may communicate with you by email, phone, or posting notices on the Site. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
4. Your Account
To access certain services on the Site, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information, including your username and password, and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
5. Children Under Thirteen
Top Class Mortgage, Inc. do not knowingly collect, solicit, or maintain personal information from children under the age of thirteen. If you are under the age of thirteen, you are not permitted to use the Site. If we become aware that we have inadvertently collected personal information from a child under thirteen, we will take steps to delete such information as soon as possible.
6. Links to Third-Party Sites / Third-Party Services
The Site may contain links to third-party websites or services that are not owned or controlled by Top Class Mortgage Inc. We do not endorse, control, or assume any responsibility for the content, privacy policies, or practices of any third-party sites or services. You acknowledge and agree that Top Class Mortgage Inc. is not responsible or liable, directly or indirectly, for any damage or loss caused by your use of any third-party websites or services.
7. Third-Party Account
You may be able to link your Top Class Mortgage Inc. account with third-party services (such as social media platforms). By linking your account with these third-party services, you authorize us to access and store your information from these third-party accounts in accordance with our Privacy Policy. You are responsible for maintaining the confidentiality of any credentials used to access these third-party accounts.
8. International Users
The Site is operated by Top Class Mortgage Inc. from [Insert Country]. If you access the Site from outside the United States, you do so at your own risk and are responsible for complying with any applicable local laws. We make no representations that the content and materials on the Site are appropriate or available for use in other locations.
9. Indemnification
You agree to indemnify, defend, and hold harmless Top Class Mortgage Inc. and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney’s fees, arising out of or related to your use of the Site, violation of these Terms, or violation of any rights of a third party.
10. Arbitration
Any disputes arising from or related to these Terms and your use of the Site shall be resolved through binding arbitration, rather than in court. The arbitration shall take place in [Insert Location], and the arbitration proceedings shall be conducted in English. By using the Site, you agree to arbitrate any claims on an individual basis, not as part of a class or representative action.
11. Class Action Waiver
You agree that any dispute resolution proceedings will be conducted solely on an individual basis, and you hereby waive any right to participate in any class action or representative action involving the Site or Top Class Mortgage Inc. You agree that any claim or dispute must be brought in your individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding.
12. Liability Disclaimer
To the fullest extent permitted by law, Top Class Mortgage Inc., its affiliates, partners, officers, directors, employees, agents, and licensors shall not be liable for any indirect, special, incidental, consequential, or punitive damages, or for any loss of profits or data, arising out of your use or inability to use the Site, even if Top Class Mortgage Inc. has been advised of the possibility of such damages. In no event shall our total liability to you for all claims related to the Site exceed the amount you paid to us, if any, for accessing the Site during the twelve (12) months preceding the claim.
13. Termination/Access Restriction
We reserve the right to suspend or terminate your access to the Site at any time, without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Site will immediately cease, and you must destroy any materials obtained from the Site.
14. Changes to Terms
Top Class Mortgage Inc. reserves the right to modify, amend, or revise these Terms at any time. Any changes will be posted on this page with an updated "Effective Date." By continuing to use the Site after such changes are posted, you agree to be bound by the revised Terms. It is your responsibility to review these Terms periodically.
15. Miscellaneous
Governing Law: These Terms shall be governed by the laws of the state of [Insert State], without regard to its conflict of laws principles. Severability: If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect. Entire Agreement: These Terms, together with the Privacy Policy and any other legal notices published on the Site, constitute the entire agreement between you and Top Class Mortgage Inc. regarding your use of the Site.
16. Contact Information
If you have any questions or concerns regarding these Terms and Conditions, please contact us at:
Top Class Mortgage11900 Biscayne Blvd #616
North Miami
FL 33181
NMLS #: 1707029
305-788-3730
info@topclassmortgages.com