Terms of service.

TODO(counsel): Service description: Family Backed Mortgage, Inc. is the licensed mortgage subsidiary of Tufa, Inc., offering (1) intake and education tools for prospective buyers and their families, and (2) regulated mortgage origination. License type varies by state (correspondent lender in TX/FL/CO; first- mortgage broker in CA) and the description must not imply uniform national lending capability. Distinguish clearly between the educational tools and the regulated origination work. Separately, state that FamilyBacked does not offer investments: housing accounts and fund details live with Tufa at tufafunds.com under Tufa's own terms, and this document does not govern them. Where a buyer's financing involves a second lien held by a Tufa fund, confirm what affiliation disclosure belongs here.

TODO(counsel): Standard no-warranty disclaimer for the educational / informational portions of the site. The ranges, scenarios, and explanations are educational, not personalized financial advice, not credit decisions, and not pre-approvals.

TODO(counsel): Dispute resolution mechanism. Likely arbitration + class action waiver per industry norm, but counsel decides whether that's appropriate given the consumer-facing nature and the regulated-product context.

TODO(counsel): Governing law + venue (TBD by counsel). Probably the state where Family Backed Mortgage, Inc. is incorporated; needs counsel confirmation against the state licenses and the consumer-protection-law overlay.

TODO(counsel): Mailing address for legal notices, designated agent for service of process, and a public contact channel for questions about these terms.