Terms & Conditions

Effective Date: [Insert Date]

By accessing or using this website, you agree to the following Terms & Conditions. If you do not agree, please do not use this site.

This website is operated by Maggie Dulcio, Mortgage Loan Officer, NMLS #2636632, licensed in the State of Florida.

1. Purpose of the Website

This website is provided for general informational purposes only. Content on this site is intended to help users learn about loan options and request additional information.

Use of this website does not create a lender-borrower relationship.

2. No Offer or Guarantee

Nothing on this website constitutes:

  • A loan approval
  • A commitment to lend
  • A guarantee of rates, terms, or eligibility

All loan programs are subject to:

  • Lender guidelines
  • Underwriting approval
  • Verification of information
  • Applicable laws and regulations

Loan terms and availability may change without notice.

3. No Financial, Legal, or Tax Advice

Information provided on this website is general in nature and should not be considered legal, financial, or tax advice. You should consult appropriate professionals for advice specific to your situation.

4. User Responsibilities

You agree to:

  • Provide accurate and truthful information
  • Use this website for lawful purposes only
  • Not misuse, disrupt, or attempt to access restricted systems

5. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Maggie Dulcio or licensed third parties and may not be copied, reproduced, or distributed without written permission.

6. Third-Party Tools & Links

This website may contain links to third-party websites or tools, including scheduling, communication, or analytics platforms. We are not responsible for the content, policies, or practices of third-party sites.

7. Limitation of Liability

We are not liable for:

  • Errors or omissions in website content
  • Delays or interruptions in service
  • Technical failures or third-party system outages
  • Any damages resulting from reliance on website information

Use of this website is at your own risk.

8. Governing Law

These Terms & Conditions are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

9. Changes to Terms

We reserve the right to update these Terms & Conditions at any time. Continued use of this website constitutes acceptance of the updated terms.