1. Acceptance of Terms

These Terms and Conditions constitute a legally binding agreement between you (the “User”) and Todd Uzzell, operating as Arizona Mortgage Lender Broker (the “Company,” “we,” “us,” or “our”). By using this website, submitting inquiries, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

3. Information and Content Accuracy

While we strive to provide accurate and up-to-date information on this website, the content is for general informational purposes only and should not be considered financial, legal, or tax advice. The information provided:

• Is subject to change without notice
• May not reflect current mortgage rates, terms, or program requirements
• Should not be relied upon as the sole basis for making financial decisions
• Does not constitute a loan commitment or guarantee of approval
• May contain links to third-party resources that we do not control or verify

We make no warranties or representations regarding the accuracy, completeness, or timeliness of the information provided. Users should verify all information and consult with appropriate professionals before making financial decisions.

5. Equal Housing Opportunity

We are committed to compliance with all federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), or because all or part of your income may be derived from a public assistance program, or because you have in good faith exercised any right under the Consumer Credit Protection Act.

This company complies with the Equal Credit Opportunity Act, Fair Housing Act, and all applicable state and federal lending regulations. For more information about fair housing and fair lending, please visit the U.S. Department of Housing and Urban Development (HUD) website.

7. Loan Application and Approval Process

Submitting a loan inquiry or application through this website does not guarantee loan approval or constitute a commitment to lend. All mortgage applications are subject to:

• Credit approval and underwriting review
• Property appraisal and valuation
• Income, employment, and asset verification
• Title search and insurance requirements
• Compliance with all applicable lending regulations
• Lender-specific guidelines and overlays

Pre-qualification and pre-approval estimates are not guarantees of final loan approval or terms. Final loan terms, interest rates, and closing costs may differ from initial estimates based on complete underwriting review. Loans may be denied for various reasons including but not limited to: insufficient credit history, excessive debt-to-income ratio, inadequate income documentation, property issues, or changes in financial circumstances.

9. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, videos, software, and design elements, is the property of Arizona Mortgage Lender Broker or its content suppliers and is protected by U.S. and international copyright laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this website without our express written permission. You may print or download content for personal, non-commercial use only, provided you maintain all copyright and proprietary notices.

11. Limitation of Liability and Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THIS WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

• The website will be uninterrupted, secure, or error-free
• Information on the website is accurate, complete, or current
• Defects will be corrected or that the website is free of viruses or harmful components
• Results obtained from using the website will meet your requirements

IN NO EVENT SHALL ARIZONA MORTGAGE LENDER BROKER, TODD UZZELL, OR ANY AFFILIATED PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, ARISING FROM YOUR USE OF OR INABILITY TO USE THE WEBSITE OR SERVICES.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

13. Changes to Terms and Conditions

We reserve the right to modify, update, or replace these Terms and Conditions at any time at our sole discretion. Changes will be effective immediately upon posting to this website. The “Last Updated” date at the top of this page indicates when these terms were last revised.

Your continued use of the website after any changes constitutes your acceptance of the new terms. We encourage you to review these Terms and Conditions periodically to stay informed of any updates. If you do not agree with any changes, you must discontinue using the website.

15. Severability and Entire Agreement

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be made enforceable, it shall be severed from these terms. The remaining provisions shall continue in full force and effect.

These Terms and Conditions, together with any applicable loan agreements, disclosures, and our Privacy Policy, constitute the entire agreement between you and Arizona Mortgage Lender Broker regarding your use of this website and supersede all prior agreements and understandings.