Terms of Service

1. Acceptance of Terms

By accessing or using the LocalQuote.com website ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use the Site.

2. Description of Service

LocalQuote.com is a lead generation platform that connects consumers seeking mortgage, refinance, or home equity products with our network of approved lending partners. LocalQuote.com is not a lender, broker, or financial advisor. We do not make loan decisions, set interest rates, or guarantee loan approval.

3. User Submissions and Consent to Contact

By submitting a form on the Site, you acknowledge and agree to the following:

• The information you provide is accurate and complete to the best of your knowledge.
• Your submission is not a loan application and does not guarantee pre-qualification or approval.
• Your personal information will be shared with our approved lending partners for the purpose of responding to your inquiry.
• You expressly consent to be contacted by LocalQuote.com and our approved lending partners via phone call (including automated or prerecorded calls), SMS/text message, and email regarding your mortgage inquiry.
• This consent to be contacted is not a condition of purchasing any product or service.
• Standard message and data rates may apply to SMS/text messages. You may opt out at any time by replying STOP.

4. No Guarantee of Rates or Terms

Any mortgage rates, estimates, or information displayed on this Site are for informational and educational purposes only. Actual rates, terms, and eligibility will be determined by the lender based on your individual financial profile, property details, and current market conditions. LocalQuote.com does not guarantee that the rates shown are the best or lowest available.

5. Data Sharing

Your personal information is shared only with our approved lending partners within our network. We do not sell your personal data to unaffiliated third parties for their independent use. For complete details on how we handle your information, please review our Privacy Policy.

6. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of LocalQuote.com or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.

7. Prohibited Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any part of the Site
• Use automated systems (bots, scrapers) to access the Site without permission
• Interfere with or disrupt the Site's operation or security

8. Disclaimer of Warranties

The Site and all content are provided "as is" and "as available" without warranties of any kind, express or implied. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, LocalQuote.com and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, any lending partner's actions, or any mortgage transaction. Our total liability shall not exceed $100.

10. Indemnification

You agree to indemnify, defend, and hold harmless LocalQuote.com, its affiliates, and their respective officers, directors, and employees from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

11. Third-Party Links

The Site may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of any third-party site and do not endorse them.

12. Modifications

We reserve the right to update or modify these Terms at any time. Changes will be effective when posted to this page with an updated "Last updated" date. Your continued use of the Site constitutes acceptance of the updated Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Delaware.

14. Contact Us

If you have questions about these Terms of Service, please contact us at:

LocalQuote.com
Email: legal@localquote.com