Terms of Service

1. Agreement to terms

By accessing and using this website, you accept and agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, you should not access or use the site.

2. Use license

Permission is granted to temporarily view and download one copy of the materials on this website for personal, non-commercial, informational use only. This is a license, not a transfer of title, and under it you may not:

• Modify or copy the materials beyond personal reference.
• Use the materials for any commercial purpose or public display.
• Attempt to decompile or reverse-engineer any software on the site.
• Remove any copyright or other proprietary notices from the materials.
• Transfer the materials to another person or "mirror" them on any other server.

3. Educational purpose only

All content on this website is provided for general educational and informational purposes only. Nothing on this site is an offer to lend, a commitment to make a loan, or financial, legal, tax, or investment advice. HomeWise does not originate, arrange, or service loans.

4. No warranties

The materials on this website are provided "as is." HomeWise makes no warranties, express or implied, and disclaims all other warranties including, without limitation, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

5. Accuracy of materials

The materials on this site may include technical, typographical, or factual errors. HomeWise does not warrant that any materials are accurate, complete, or current. Rates, programs, and regulations change frequently, and HomeWise may change the materials at any time without notice. Always verify information with official sources and qualified professionals.

6. Third-party links

This website may link to third-party websites and resources. HomeWise has not reviewed all linked sites and is not responsible for their content or practices. Inclusion of a link does not imply endorsement. Your use of any linked site is at your own risk and subject to that site's terms.

7. Communications & consent

If you submit a form on this website and choose to opt in, you consent to receive educational updates and industry information from HomeWise by email, and — if you provide a phone number — by phone or text message. By opting in, you acknowledge that:

• You provided your contact details knowing HomeWise may use them to send you educational materials and updates.
• Standard message and data rates may apply to text messages.
• You can unsubscribe at any time, or reply STOP to opt out of text messages.
• Consent is not required to access any free educational material on this site.
• HomeWise does not sell your information or share it with lenders, brokers, or third-party marketers.

8. No offer or commitment

This website is provided for informational purposes only and does not constitute an offer to enter into any agreement or a commitment to provide any service. HomeWise does not guarantee the accuracy of information provided by third parties, and information is subject to change without notice.

9. Limitation of liability

In no event shall HomeWise or its operators be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of data or profits, or business interruption — arising out of your use of, or inability to use, this website, even if HomeWise has been advised of the possibility of such damages.

10. Modifications

HomeWise may revise these Terms at any time without notice. By continuing to use the website, you agree to be bound by the version of the Terms then in effect.

11. Governing law

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law provisions, and you submit to the exclusive jurisdiction of the courts located in Florida.

12. Entire agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and HomeWise regarding your use of this website and supersede any prior agreements on that subject.

13. Contact us

Questions about these Terms? Contact us:

• Email: info@iqhomeloans.org
• Phone: (561) 763-3907