Terms of Service

Last updated: [MM/DD/YYYY]

Affiliate disclosure: We may receive compensation when you click affiliate links or apply through partner links.

1. Acceptance of Terms & Eligibility

By using UtahRefi.com, you agree to these Terms. You must be at least 18 years old and legally able to submit information related to the property/request you provide.

2. Not a Lender / No Financial Advice / No Guarantees

UtahRefi is a marketing publisher. We are not a mortgage lender, mortgage broker, loan originator, or financial advisor. Content is informational and marketing-related only. We do not guarantee rates, APR, approval, savings, or specific outcomes.

3. How the Service Works

You submit information through our forms. We may share that information with participating mortgage partners that may contact you about mortgage/refinance products. Any quote, approval, or loan terms come from those providers, not UtahRefi.

4. User Responsibilities

Provide accurate and current information.
Use the site only for lawful purposes.
Do not scrape, reverse-engineer, disrupt, or abuse site functionality.

5. Affiliate/Advertising Disclosure

Some content may include partner or affiliate links. We may be compensated for marketing activity if you click or apply through those links.

6. Intellectual Property

All content, branding, text, graphics, and site functionality are owned by or licensed to UtahRefi and protected by applicable intellectual property laws. You may not reproduce or redistribute material without permission.

7. Third-Party Links and Services

Our site may link to third-party websites or services. We do not control third-party terms, privacy practices, or offerings. Your interactions with third parties are subject to their terms and policies.

8. Disclaimers of Warranties

The site and services are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, to the extent permitted by law.

9. Limitation of Liability

To the maximum extent permitted by law, UtahRefi and its affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages, or lost profits/revenues/data arising from or related to use of the site or third-party services.

10. Indemnification

You agree to defend, indemnify, and hold harmless UtahRefi, its affiliates, and service providers from claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your misuse of the site or violation of these Terms.

11. Arbitration / Class Action Waiver (Optional – consult counsel)

Optional section: [Insert arbitration agreement and class-action waiver language only after legal review.]

12. Governing Law and Venue

These Terms are governed by the laws of the State of Utah, without regard to conflict-of-law rules. Venue for disputes will be in [County, Utah], unless applicable law requires otherwise.

13. Changes to Terms

We may update these Terms from time to time. Changes are effective when posted, unless otherwise stated. Continued use of the site after updates means you accept the revised Terms.

Text/SMS Terms

If you opt in to receive texts, you may receive informational or marketing messages related to your request. Message frequency varies. Message/data rates may apply. Reply STOP to cancel and HELP for help. See our Privacy Policy.

14. Contact Information

Legal entity: [Legal Entity Name]
Address: [Mailing Address]
Email: crestauthority@gmail.com