Terms of Use

Last updated: [Month Day, Year]

Welcome to HomeEquityMart.com (the “Site”), operated by Home Equity Mart (“Home Equity Mart,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of the Site. Please read them carefully. By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Site.

1. About Home Equity Mart

Home Equity Mart is an online mortgage information and lead-referral service. We are not a lender, mortgage broker, or financial advisor, and we do not make credit decisions or originate loans. The Site provides general educational content and may connect you with third-party lenders, brokers, or partners. Any loan, rate, term, or product is offered solely by those third parties, not by Home Equity Mart. We do not endorse, guarantee, or take responsibility for any third party’s products, services, or conduct.

2. Not Financial, Legal, or Tax Advice

All content on the Site — including articles, guides, calculators, rate information, and FAQs — is provided for general educational and informational purposes only. It is not financial, legal, tax, mortgage, or investment advice, and it should not be relied upon as such. Every financial situation is different. Before making any borrowing or financial decision, you should consult a licensed professional (such as a mortgage loan originator, attorney, or tax advisor) about your specific circumstances.

Interest rates, loan terms, and program details mentioned on the Site are examples or national averages that change frequently and are not offers of credit. Actual rates and terms depend on your individual qualifications and the lender you choose.

3. Eligibility

You must be at least 18 years old and legally able to enter into a binding contract to use the Site. By using the Site, you represent and warrant that you meet these requirements and that all information you provide is accurate and truthful.

4. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

Provide false, misleading, or fraudulent information
Submit another person’s information without their authorization
Use the Site in any way that violates any applicable law or regulation
Attempt to gain unauthorized access to the Site, its servers, or connected systems
Interfere with or disrupt the Site or its security features
Use any robot, scraper, or automated means to access or collect data from the Site
Copy, reproduce, republish, or distribute Site content without our written permission
Use the Site to transmit spam, malware, or other harmful code

5. Information You Submit

When you submit a request or form, you authorize Home Equity Mart to share the information you provide with one or more third-party lenders, brokers, or partners, and you consent to be contacted by them, as described in our Privacy Policy. You represent that any information you submit is accurate and that you have the authority to submit it. You are responsible for the information you provide.

6. Consent to Be Contacted

By submitting your contact information through the Site, you agree that Home Equity Mart and the partners we share your information with may contact you at the phone number and email address you provide — including by autodialed or prerecorded calls and text messages — for marketing and informational purposes, even if your number is listed on a state or federal Do Not Call registry. Consent is not a condition of purchasing any product or service. Message and data rates may apply. You may opt out at any time as described in our Privacy Policy.

7. Intellectual Property

All content on the Site — including text, graphics, logos, images, and the selection and arrangement thereof — is owned by or licensed to Home Equity Mart and is protected by copyright, trademark, and other laws. You may view and print content for your personal, non-commercial use only. You may not otherwise reproduce, distribute, modify, or create derivative works from Site content without our prior written consent.

8. Third-Party Links and Partners

The Site may contain links to third-party websites, lenders, and partners. These links are provided for convenience only. We do not control and are not responsible for the content, products, services, privacy practices, or conduct of any third party. Your dealings with any third party — including any lender you are matched with — are solely between you and that party. We are not a party to, and not responsible for, any transaction between you and a third party.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES, OR THAT ANY INFORMATION ON THE SITE IS ACCURATE, COMPLETE, OR CURRENT. YOU USE THE SITE AT YOUR OWN RISK.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HOME EQUITY MART AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR ANY THIRD-PARTY PRODUCTS OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED [ONE HUNDRED DOLLARS ($100)].

11. Indemnification

You agree to indemnify, defend, and hold harmless Home Equity Mart and its officers, directors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any law or the rights of any third party.

12. Dispute Resolution and Arbitration

[IMPORTANT — HAVE COUNSEL DRAFT THIS SECTION.] Any dispute arising out of or relating to these Terms or the Site may be subject to binding arbitration and a waiver of class actions, as set forth in this section. [Insert attorney-approved arbitration clause, class-action waiver, and any opt-out procedure here, consistent with applicable law.]

13. Governing Law

These Terms are governed by the laws of the State of [State], without regard to its conflict-of-law principles. Subject to the Dispute Resolution section above, you agree that any legal action shall be brought exclusively in the state or federal courts located in [County, State].

14. Changes to These Terms

We may revise these Terms from time to time. When we do, we will update the “Last updated” date at the top of this page. Your continued use of the Site after changes take effect constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Termination

We may suspend or terminate your access to the Site at any time, for any reason, without notice. The sections of these Terms that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, and governing law — will survive.

16. Severability and Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Home Equity Mart regarding your use of the Site.

17. Contact Us

If you have questions about these Terms, contact:

Home Equity Mart
308 East Park Avenue, Suite 214
Tallahassee, Florida 32301

Home Equity Mart is not a lender and does not make credit decisions. Content on this Site is general education, not financial, legal, or tax advice. Equal Housing Opportunity.

Last Updated: August 13, 2026