Please carefully read these Terms of Use (“Agreement”) before accessing or using this website (“Website”). By accessing or using this Website, you agree to be bound by this Agreement, including the liability disclaimers contained below. If you do not agree with these terms, please do not use this Website.

1. Use of Website

Materials on this Website may be accessed, downloaded, and printed solely for personal, informational, and non-commercial use.

You agree not to use any content, materials, or information found on this Website for any unlawful purpose or any purpose prohibited by this Agreement. This Website is intended for users located within the United States of America and who are at least 18 years of age.

Your permission to use this Website automatically terminates if you violate any of these terms.

2. Intellectual Property Rights

All content on this Website, including but not limited to text, graphics, logos, images, icons, and design elements, is the property of Angela Smith and Florida Wholesale Mortgage and is protected under United States copyright, trademark, and intellectual property laws.

No reproduction, distribution, modification, transmission, or use of the materials on this Website is permitted without prior written consent.

All trademarks, service marks, and logos displayed on this Website are the property of their respective owners.

3. Consent to Contact

By submitting your information through this Website, you understand and agree that you are establishing a business relationship with Angela Smith and Florida Wholesale Mortgage.

You consent to be contacted via telephone, email, SMS/text message, or standard mail regarding mortgage products, loan applications, or related services using the contact information you provide. Message frequency may vary. Standard message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP.

Your consent applies even if your number is listed on any federal or state Do Not Call registry, to the extent permitted by law.

4. No Financial or Legal Advice

The information provided on this Website is for general informational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, loan terms, and qualification guidelines are subject to change without notice.

All loan approvals are subject to credit review, underwriting approval, and applicable regulatory requirements.

5. Liability Disclaimer

Angela Smith and Florida Wholesale Mortgage strive to provide accurate and up-to-date information. However, errors or inaccuracies may occur.

This Website and all information contained herein are provided “as is” without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

You use this Website at your own risk.

Under no circumstances shall Angela Smith or Florida Wholesale Mortgage be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of your use of this Website.

Because some jurisdictions do not allow certain limitations of liability, some of the above exclusions may not apply to you.

6. Indemnification

You agree to indemnify and hold harmless Angela Smith and Florida Wholesale Mortgage from any loss, cost, damage, or expense, including reasonable attorneys’ fees, arising out of your violation of this Agreement or misuse of this Website.

7. Governing Law

This Agreement shall be governed by and interpreted in accordance with the laws of the State of Florida, without regard to conflict of law principles.

Any disputes arising from this Agreement shall be resolved in the appropriate courts located within the State of Florida.

8. Modifications to Terms

Angela Smith and Florida Wholesale Mortgage reserve the right to modify or update these Terms of Use at any time without prior notice.

Your continued use of the Website constitutes acceptance of any modifications.

9. Entire Agreement

This Agreement constitutes the entire agreement between you and Angela Smith regarding the use of this Website and supersedes any prior agreements or understandings.

If any provision of this Agreement is deemed unenforceable, the remaining provisions shall remain in full force and effect.