These Terms and Conditions (“Terms”) govern your access to and use of the website www.bestinterestfinancial.com (the “Website”), operated by Best Interest Financial, a mortgage lending company based in West Bloomfield, Michigan. By accessing or using this Website, you agree to comply with these Terms, including any updates or modifications. If you do not agree to these Terms, please do not use this Website.
Please read these Terms carefully before using the Website, as they constitute a binding legal agreement between you and Best Interest Financial.
1. Acceptance of Terms
By accessing or using the Website, you acknowledge that you have read, understood, and agree to these Terms, as well as any additional terms or policies incorporated by reference, including the Privacy Policy. If you do not agree with these Terms, you should not use this Website.
We reserve the right to update, modify, or revise these Terms at any time without prior notice. All changes will be posted on this page with the updated “Last Updated” date. It is your responsibility to review these Terms periodically for any updates.
2. Eligibility
You must be at least 18 years of age and have the legal capacity to enter into a contract to use this Website. If you are under the age of 18, you may not use this Website, and you must have permission from a parent or legal guardian.
3. Website Content and Use
3.1 Ownership and License
The content of this Website, including text, graphics, logos, images, videos, software, and other materials, is owned by Best Interest Financial or its licensors and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes, subject to these Terms.
3.2 Prohibited Uses
You agree not to:
- Violate any applicable laws, regulations, or legal rights of others.
- Use the Website for any fraudulent or unlawful activity, including but not limited to impersonating any person or entity.
- Interfere with the security or functionality of the Website, including uploading viruses or other harmful code.
- Attempt to gain unauthorized access to any part of the Website or related systems.
- Copy, reproduce, distribute, display, or otherwise use any content from the Website without prior written permission from Best Interest Financial.
3.3 Third-Party Links
The Website may contain links to third-party websites. These links are provided solely for your convenience, and we do not endorse or assume any responsibility for the content, products, or services of third-party websites. Use of any third-party websites is at your own risk, and you should review the applicable terms and policies of those sites before using them.
4. User Accounts and Information
4.1 Account Creation
To access certain services or features of the Website, you may be required to create an account. When creating an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
4.2 Accuracy of Information
You agree to provide true, accurate, current, and complete information about yourself as required by any forms or applications on the Website, including mortgage loan applications. You are responsible for ensuring that any information you provide is up-to-date.
5. Loan Applications and Mortgage Services
5.1 Mortgage Applications
The Website may allow you to apply for mortgage loans, refinancing, or other mortgage-related services. By submitting your application, you authorize Best Interest Financial to use your provided personal and financial information to evaluate your eligibility for loan products.
5.2 Loan Approval and Terms
Loan approval is subject to the underwriting criteria and requirements of Best Interest Financial and applicable law. Loan terms, rates, and conditions are subject to change based on your financial profile and the terms offered by lenders at the time of application.
5.3 No Guarantee of Loan Approval
While we strive to offer accurate and timely information, submission of an application through the Website does not guarantee loan approval. Approval is contingent upon various factors, including your creditworthiness, financial standing, and adherence to all applicable laws and regulations.
6. Privacy and Data Protection
Your privacy is important to us. By using the Website, you consent to the collection, use, and disclosure of your personal information in accordance with our Privacy Policy. We take reasonable steps to protect the privacy and security of your personal information, but we cannot guarantee the security of any data transmitted over the internet.
7. Disclaimers and Limitation of Liability
7.1 No Warranties
The Website is provided “as is,” without warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Best Interest Financial does not warrant that the Website will be error-free, secure, or available at all times.
7.2 Limitation of Liability
To the fullest extent permitted by law, Best Interest Financial and its affiliates, employees, agents, or licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Website, including but not limited to loss of data, loss of profits, or any other losses. This includes damages arising from errors, omissions, interruptions, or delays in the operation of the Website.
7.3 Third-Party Services
Best Interest Financial is not responsible for the content or performance of any third-party services or websites linked to from the Website. Your interactions with third-party sites or services are solely between you and the third party.
8. Indemnification
You agree to indemnify, defend, and hold harmless Best Interest Financial, its affiliates, directors, officers, employees, agents, and partners from and against any and all claims, losses, liabilities, expenses, damages, and costs, including attorneys’ fees, arising from:
- Your use of the Website
- Your violation of these Terms
- Your violation of any applicable law or regulation
- Your infringement of the intellectual property or other rights of third parties
9. Governing Law and Dispute Resolution
9.1 Governing Law
These Terms and any dispute arising out of or related to the use of the Website shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles.
9.2 Dispute Resolution
Any disputes, claims, or controversies arising out of or relating to these Terms or your use of the Website will be resolved through binding arbitration, conducted in accordance with the rules of the American Arbitration Association (AAA). The arbitration will take place in Oakland County, Michigan. You agree to waive any right to a jury trial or participation in class actions.
10. Termination of Access
We reserve the right to suspend or terminate your access to the Website at any time, without notice, for any reason, including but not limited to violation of these Terms. Upon termination, your license to use the Website will immediately end, and you must cease all use of the Website.
11. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be deemed amended to the extent necessary to make it enforceable.
12. Entire Agreement
These Terms constitute the entire agreement between you and Best Interest Financial regarding your use of the Website. Any prior agreements, representations, or understandings between you and Best Interest Financial, whether written or oral, are superseded by these Terms.
13. Contact Information
If you have any questions or concerns about these Terms or your use of the Website, please contact us at:
Best Interest Financial
6960 Orchard Lake Rd, Suite 304
West Bloomfield, MI 48322
Email: bestinterestfinancial@info.com
Phone: (586) 544-4101