Terms & Conditions

1. Acceptance of Terms

By accessing or using the website located at www.impactmortgageinc.com (the "Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use this Site.

Impact Mortgage, Inc. ("we," "us," or "our") reserves the right to update or modify these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. The effective date at the top of this page reflects the most recent update.

2. Website Use and Acceptable Conduct

This Site is provided for informational purposes related to mortgage brokerage services in California. By using this Site, you agree to:

• Use the Site only for lawful purposes and in accordance with these Terms

• Not attempt to gain unauthorized access to any part of the Site or its related systems

• Not use the Site to transmit any false, misleading, or harmful information

• Not interfere with or disrupt the operation of the Site or servers connected to it

• Not use automated tools, bots, or scraping software to extract data from the Site

• We reserve the right to suspend or terminate access to the Site for any user who violates these Terms or engages in conduct we determine to be harmful to the Site, our business, or other users.

3. Informational Purposes Only

All content on this Site, including text, images, loan program descriptions, process explanations, and any other materials, is provided for general informational purposes only. Nothing on this Site constitutes:

• A commitment or offer to lend

• A guarantee of loan approval or specific loan terms

• Legal, financial, tax, or investment advice

• Loan programs, interest rates, eligibility requirements, and terms are subject to change without notice and may vary based on individual borrower qualifications, lender guidelines, and market conditions. You should not rely solely on the information presented on this Site when making financial decisions. We encourage you to consult with qualified professionals as appropriate.

4. No Guarantee of Loan Approval

Submitting an inquiry, beginning a pre-approval process, or receiving a pre-approval letter does not constitute a guarantee of final loan approval or specific loan terms. Final approval is subject to:

• Verification of all submitted documentation

• Satisfactory appraisal of the subject property

• Underwriting review and lender approval

• Continued qualification through the date of closing

• Compliance with applicable federal and California lending regulations

• Impact Mortgage, Inc. acts as a mortgage broker and does not make lending decisions directly. Loan approvals are made by third-party lenders and are subject to their individual underwriting guidelines.

5. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, icons, and page layouts, is the property of Impact Mortgage, Inc. or its content suppliers and is protected under applicable United States and California intellectual property laws.

You may view, print, or download content from this Site for your own personal, non-commercial use only. You may not:

• Reproduce, distribute, or republish any content from this Site without our prior written consent

• Modify or create derivative works based on Site content

• Use any content for commercial purposes without express written authorization

• Remove or alter any copyright, trademark, or other proprietary notices

• The Impact Mortgage, Inc. name, logo, and related marks are trademarks of Impact Mortgage, Inc. Unauthorized use of these marks is strictly prohibited.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Impact Mortgage, Inc., its owners, officers, employees, agents, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of, or inability to use, this Site

• Any errors, omissions, or inaccuracies in the content of this Site

• Unauthorized access to or alteration of your transmissions or data

• Any third-party conduct or content accessible through links on this Site

• Any reliance placed on information provided on this Site

• In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability shall be limited to the maximum extent permitted by law.

7. Disclaimer of Warranties

This Site and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on the Site.

8. Third-Party Links

This Site may contain links to third-party websites for your convenience. These links do not constitute an endorsement of the content, products, or services offered by those sites. We have no control over the content of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

We encourage you to review the terms and policies of any third-party websites you visit.

9. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of California and applicable federal laws of the United States, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the state and federal courts located in the State of California. By using this Site, you consent to the personal jurisdiction of such courts.

10. Regulatory Disclosures

• Impact Mortgage, Inc. is licensed by the California Department of Real Estate as a mortgage broker.

• Company NMLS: #2731632

• Individual NMLS (Randy Munmon): #1973565

• DRE License: #02041436

Licensing information can be verified through the NMLS Consumer Access portal at nmlsconsumeraccess.org. We operate in compliance with applicable federal mortgage lending laws, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), and the Fair Housing Act.

11. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions of these Terms shall continue in full force and effect.

12. Entire Agreement

These Terms, together with any additional terms and conditions incorporated herein by reference, constitute the entire agreement between you and Impact Mortgage, Inc. with respect to your use of this Site and supersede all prior agreements, understandings, and representations relating to the same subject matter.

13. Contact Us

If you have questions about these Terms and Conditions, please contact us:

• Impact Mortgage, Inc.

• Randy Munmon, NMLS #1973565 | DRE #02041436

• Phone: (415) 845-1160

• Email: Randy@ImpactMortgageInc.com

• Website: www.impactmortgageinc.com