Terms of Use

Agreement to Terms

By accessing or using the website of Jack Gilmore, Mortgage Loan Originator (NMLS #2602566) at Mutual of Omaha Mortgage, Inc., you agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use this website.

Use of Website

Permitted Use

This website is provided for informational purposes and to facilitate mortgage loan services. You may use this website for:

• Researching mortgage options
• Requesting loan information
• Submitting loan applications
• Contacting our office
• Reading educational content

Prohibited Use

You may not:

• Use the website for any illegal purpose
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to any part of the website
• Scrape, copy, or reproduce content without permission
• Impersonate any person or entity
• Harass, threaten, or intimidate others
• Submit false or misleading information

No Guarantee of Loan Approval

Information provided on this website does not constitute a loan commitment or guarantee of approval. All loan applications are subject to:

• Credit approval
• Income verification
• Property appraisal
• Underwriting guidelines
• State and federal regulations

Accuracy of Information

While we strive to provide accurate and up-to-date information:

• Interest rates and loan terms are subject to change without notice
• Information is for general guidance only
• Content may contain technical inaccuracies or errors
• We make no warranties about the completeness or accuracy of content
• Always verify information with a licensed mortgage professional

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Jack Gilmore, Mutual of Omaha Mortgage, Inc., or content suppliers and is protected by copyright and intellectual property laws.

You may not:

• Reproduce, distribute, or display content without written permission
• Modify or create derivative works
• Use content for commercial purposes
• Remove copyright or proprietary notices

User-Submitted Content

By submitting content (including loan applications, contact forms, or comments), you grant us a non-exclusive, royalty-free license to use, reproduce, and distribute such content for business purposes.

You represent that:

• You own or have rights to submitted content
• Content does not violate any laws or third-party rights
• Information submitted is accurate and truthful

Third-Party Links

This website may contain links to third-party websites. We are not responsible for:

• The content of linked websites
• Privacy practices of third parties
• Accuracy of information on external sites
• Any losses or damages from using linked sites

Disclaimers

No Warranty

This website is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness
• Uninterrupted or error-free operation

No Professional Advice

Information on this website is not:

• Legal advice
• Tax advice
• Financial advice
• Investment advice

Always consult qualified professionals for advice specific to your situation.

Limitation of Liability

To the fullest extent permitted by law, Jack Gilmore and Mutual of Omaha Mortgage, Inc. shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from use or inability to use the website
• Errors, omissions, or inaccuracies in content
• Unauthorized access to your information

Indemnification

You agree to indemnify and hold harmless Jack Gilmore, Mutual of Omaha Mortgage, Inc., and their affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the website
• Violation of these Terms of Use
• Violation of any rights of another party
• Your submitted content

Licensing and Compliance

Jack Gilmore is a licensed Mortgage Loan Originator (NMLS #2602566) operating under Mutual of Omaha Mortgage, Inc. (NMLS ID 1025894). All mortgage activities are conducted in compliance with:

• Federal lending laws and regulations
• State licensing requirements
• SAFE Act requirements
• Equal Housing Opportunity laws
• Fair Lending practices

Equal Housing Opportunity

We are committed to compliance with the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate based on:

• Race or color
• Religion
• National origin
• Sex or gender
• Familial status
• Disability
• Age
• Marital status

Privacy

Your use of this website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes constitutes acceptance of the modified terms.

Termination

We reserve the right to terminate or suspend your access to the website at any time, without notice, for:

• Violation of these Terms of Use
• Fraudulent or illegal activity
• Any reason at our sole discretion

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Rhode Island, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising from these Terms of Use or use of the website shall be resolved through:

1. Good faith negotiation
2. Mediation in Rhode Island (if negotiation fails)
3. Binding arbitration (if mediation fails)

Severability

If any provision of these Terms of Use is found to be unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use, together with the Privacy Policy, constitute the entire agreement between you and Jack Gilmore regarding use of this website.

Contact Information

Questions about these Terms of Use should be directed to:

Acknowledgment

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.