Agreement between User and www.themortgagemanual.com 
Welcome to www.themortgagemanual.com. The www.themortgagemanual.com website (the "Site") is comprised of various web pages operated by The Mortgage Manual LLC ("The Mortgage Manual"). www.themortgagemanual.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.themortgagemanual.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference. 
 
www.themortgagemanual.com is a News and Information Site. 
 
TheMortgageManual.com is an informational platform operated by The Mortgage Manual LLC, designed to provide educational content and general guidance related to mortgage financing, home loans, refinancing options, and related real estate lending topics. The website offers users access to step-by-step resources, loan product descriptions, and financial literacy tools intended to assist individuals in making informed decisions regarding mortgage transactions. While TheMortgageManual.com may facilitate the connection between users and licensed mortgage professionals, it does not itself offer, broker, or originate mortgage loans unless explicitly stated and appropriately licensed to do so under applicable law. 
 
Privacy 
Your use of www.themortgagemanual.com is subject to The Mortgage Manual's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices. 
 
Electronic Communications 
Visiting www.themortgagemanual.com or sending emails to The Mortgage Manual constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing. 
 
Children Under Thirteen 
The Mortgage Manual does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.themortgagemanual.com only with permission of a parent or guardian. 
 
Links to Third Party Sites/Third Party Services 
www.themortgagemanual.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of The Mortgage Manual and The Mortgage Manual is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. The Mortgage Manual is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by The Mortgage Manual of the site or any association with its operators. 
 
Certain services made available via www.themortgagemanual.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.themortgagemanual.com domain, you hereby acknowledge and consent that The Mortgage Manual may share such information and data with any third party with whom The Mortgage Manual has a contractual relationship to provide the requested product, service or functionality on behalf of www.themortgagemanual.com users and customers. 
 
No Unlawful or Prohibited Use/Intellectual Property 
You are granted a non-exclusive, non-transferable, revocable license to access and use www.themortgagemanual.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to The Mortgage Manual that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site. 
 
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of The Mortgage Manual or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto. 
 
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. The Mortgage Manual content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of The Mortgage Manual and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of The Mortgage Manual or our licensors except as expressly authorized by these Terms. 
 
International Users 
The Service is controlled, operated and administered by The Mortgage Manual from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the The Mortgage Manual Content accessed through www.themortgagemanual.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations. 
 
Indemnification 
You agree to indemnify, defend and hold harmless The Mortgage Manual, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. The Mortgage Manual reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with The Mortgage Manual in asserting any available defenses. 
 
Arbitration 
In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions. 
 
Class Action Waiver 
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and The Mortgage Manual agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. 
 
Liability Disclaimer 
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE MORTGAGE MANUAL LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME. 
 
THE MORTGAGE MANUAL LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. THE MORTGAGE MANUAL LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. 
 
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE MORTGAGE MANUAL LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE MORTGAGE MANUAL LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. 
 
Termination/Access Restriction 
The Mortgage Manual reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Texas and you hereby consent to the exclusive jurisdiction and venue of courts in Texas in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section. 
 
You agree that no joint venture, partnership, employment, or agency relationship exists between you and The Mortgage Manual as a result of this agreement or use of the Site. The Mortgage Manual's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of The Mortgage Manual's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by The Mortgage Manual with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. 
 
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and The Mortgage Manual with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and The Mortgage Manual with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English. 
 
Changes to Terms 
The Mortgage Manual reserves the right, in its sole discretion, to change the Terms under which www.themortgagemanual.com is offered. The most current version of the Terms will supersede all previous versions. The Mortgage Manual encourages you to periodically review the Terms to stay informed of our updates. 
 
Contact Us 
The Mortgage Manual welcomes your questions or comments regarding the Terms: 
 
The Mortgage Manual LLC 
PO Box 130293 
Spring, Texas 77393 
Email Address: 
support@themortgagemanual.com 

 

 

 
Effective as of August 07, 2025