Terms of Service / Privacy Policy
Privacy Policy
At TheSeniorLoan.com, dba Mark Kutscher NMLS#2574346, we respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and protect your information.
1. Information We Collect:
- Personal details such as name, phone number, email address, and mailing address when you submit forms on our website.
- Loan-related information you choose to provide during consultations.
2. How We Use Your Information:
- To provide information and resources you request about reverse mortgages (Home Equity Conversion Mortgages).
- To confirm appointments, send educational materials, and follow up on your requests.
- To comply with legal and regulatory requirements.
3. Sharing of Information:
- We do not sell, rent, or share your personal information with third parties for marketing purposes.
- Your information is only shared with trusted partners and service providers when necessary to deliver our services or comply with laws.
4. Data Security:
- We use industry-standard security measures to protect your information from unauthorized access.
5. Your Choices:
- You may request access to, correction of, or deletion of your personal data by contacting us at [Insert Email].
- You can opt out of receiving SMS or email communications at any time.
SMS Terms & Conditions
By providing your phone number and opting in, you agree to receive SMS messages from TheSeniorLoan.com dba Mark Kutscher NMLS#2574346 regarding reverse mortgage information, appointments, and related educational content.
1. Message Frequency:
- You may receive up to 4 messages per month depending on your interactions with us.
2. Opt-Out Instructions:
- To stop receiving messages, reply STOP at any time.
- After opting out, you will receive one final confirmation message.
3. Help Instructions:
- For help, reply HELP or contact us at [email protected].
4. Carrier Disclaimer:
- Carriers are not liable for delayed or undelivered messages.
5. Message and Data Rates:
- Standard message and data rates may apply based on your mobile carrier plan.
6. Consent:
- Consent to receive SMS is not a condition of purchase.
7. Changes to Terms:
- We may update these terms periodically. Updates will be posted on our website at https://theseniorloan.com.
Intellectual Property
All content, logos, graphics, and design elements on TheSeniorLoan.com are the property of The Senior Loan and may not be used, copied, or reproduced without prior written consent.
Limitation of Liability
The information provided on this website is for educational purposes only and should not be considered financial, tax, or legal advice. We are not liable for any damages arising from your use of, or reliance upon, this website. Please consult with a licensed reverse mortgage professional for personalized guidance.
Governing Law
These Terms and Conditions are governed by the laws of the State of Ohio, without regard to conflict of law principles.
Changes to Terms
We reserve the right to modify or update these Terms and Conditions at any time. Updates will be posted on this page with the “Last Updated” date.Reverse Mortgage Legal Disclaimer
Reverse Mortgage Legal Disclaimer
Disclaimer: This material is for informational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgage products are subject to qualification, independent counseling, and approval. All loans are secured by the borrower’s home and are available only to homeowners who meet age and residency requirements.
Borrower Responsibilities:
• Payment of property taxes
• Homeowner’s insurance
• Maintenance and upkeep of the property
Failure to meet these obligations may result in foreclosure and loss of the home. Loan proceeds are based on the appraised value of the property, interest rates, and government regulations, which are subject to change.
A reverse mortgage is a loan that must be repaid when the borrower sells the home, permanently moves out, or passes away. Interest and fees accrue over the life of the loan and will reduce the homeowner’s equity. Reverse mortgages may affect eligibility for certain government benefits.
Prospective borrowers should consult with a HUD-approved housing counselor, their financial advisor, tax professional, or attorney before proceeding. This is not a commitment to lend. All loans are subject to credit approval and program guidelines.