Legal
Terms of service.
Counsel review pending
This page is a placeholder. The sections below describe the shape of what will live here; the actual language has not been drafted by counsel yet and is not a binding statement. The real content will be reviewed and published before any production deploy.
What we do.
TODO(counsel): Service description: Family Backed Mortgage, Inc. is a licensed mortgage broker offering (1) intake and education tools for prospective buyers and their families, and (2) broker services that arrange mortgages with third-party lenders. Distinguish clearly between the educational / informational tools and the regulated mortgage-broker work.
No warranty.
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.
Dispute resolution.
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.
Governing law.
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.
Contact us.
TODO(counsel): Mailing address for legal notices, designated agent for service of process, and a public contact channel for questions about these terms.