Effective Date: August 29, 2026

These Terms of Service (“Terms”) govern your use of assuredrates.com and your communications with Assured Home Loans LLC d/b/a Assured Rates (“Assured Rates,” “we,” “us,” or “our”). By accessing the website or requesting our services, you agree to these Terms.

INFORMATIONAL PURPOSES

Website content is provided for general informational purposes and does not constitute a commitment to lend, an approval, a rate lock, legal advice, tax advice, or financial advice. Mortgage products, rates, fees, terms, qualification requirements, and availability may change and are subject to underwriting, verification, applicable law, and lender requirements. Submission of information does not guarantee approval or any particular terms.

USER RESPONSIBILITIES

You agree to provide accurate, current information; use the website only for lawful purposes; avoid interfering with website operation or security; and not misuse, copy, or exploit website content except as permitted by law. You are responsible for protecting any credentials or private documents used in connection with our services.

COMMUNICATION CONSENT

When you provide contact information, you authorize Assured Rates and its service providers to contact you about your inquiry, requested services, appointments, application or transaction, using the methods you select or otherwise consent to. Email and telephone consent may be withdrawn as permitted by law.

ASSURED RATES SMS PROGRAM

Program Name: Assured Rates Alerts.

By checking an SMS consent box and submitting your information, you agree to receive informational, transactional, customer-care, appointment, account, and promotional text messages from Assured Rates at the mobile number provided. Messages may include responses to inquiries, appointment reminders, document or application updates, service information, and offers relating to mortgage products and services.

Message frequency varies. Message and data rates may apply. Consent to receive marketing text messages is not a condition of purchasing any product or service. Carriers are not liable for delayed or undelivered messages.

Reply STOP to cancel. After you send STOP, you may receive one confirmation message and will no longer receive messages from that program unless you opt in again. Reply HELP for help. You may also obtain assistance through https://assuredrates.com.

You represent that you are the subscriber or customary user of the mobile number provided and will notify us if that number changes. Automated technology may be used to send messages where permitted by law.

Privacy Policy: https://assuredrates.com/privacy-policy

INTELLECTUAL PROPERTY

The website, branding, text, graphics, design, and other content are owned by or licensed to Assured Rates and are protected by applicable intellectual-property laws. No rights are granted except the limited right to use the website for its intended purpose.

THIRD-PARTY SERVICES AND LINKS

The website may use or link to third-party services. We are not responsible for third-party websites, content, availability, or privacy practices. Your use of third-party services may be governed by separate terms.

DISCLAIMER OF WARRANTIES

To the fullest extent permitted by law, the website and its content are provided “as is” and “as available.” We do not warrant uninterrupted operation, complete accuracy, or freedom from errors or harmful components.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, Assured Rates and its owners, employees, agents, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use the website. Applicable law may not allow certain limitations, so some limitations may not apply to you.

INDEMNIFICATION

You agree to indemnify and hold Assured Rates harmless from claims, losses, or expenses arising from your unlawful misuse of the website, your violation of these Terms, or information you provide that infringes another person’s rights.

GOVERNING LAW

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute will be brought in a court of competent jurisdiction in Florida, unless applicable law requires otherwise.

CHANGES TO THESE TERMS

We may update these Terms periodically. The effective date above identifies the latest revision. Continued use after an update constitutes acceptance of the revised Terms.

CONTACT

Assured Home Loans LLC d/b/a Assured Rates

4700 Millenia Blvd, Suite 175

Orlando, Florida 32839

Website: https://assuredrates.com