1. Introduction

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Reverse Mortgage Quotes Explained LLC (“Company,” “we,” “our,” “us”) provides educational services designed to help clients understand reverse mortgage quotes. By purchasing or using our services, you (“Client,” “you,” “your”) agree to the following Terms & Conditions.

If you do not agree to these Terms & Conditions, do not use our services.

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2. Scope of Services

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The Company provides education-only services, including but not limited to:

1. Single Quote Review

2. Multi-Quote Comparison

3. Comprehensive Reverse Mortgage Review

4. Zoom or Phone Consultation

5. Written or PDF Educational Reports

6. Email Support

7. General Reverse Mortgage Education

These services are informational and educational only.

We do not:

• originate loans

• negotiate loan terms

• contact lenders on your behalf

• complete applications

• recommend a specific lender for loan purposes

• guarantee loan approval or loan savings

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3. No Loan Origination / No Negotiation

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The Company is NOT a:

• mortgage lender

• mortgage broker

• loan originator

• financial institution

We do NOT take applications, process loans, negotiate terms, or engage in any activity that requires a mortgage license or lender sponsorship.

All communication with lenders is solely the Client’s responsibility.

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4. Educational Purposes Only

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All information provided by the Company is for educational purposes only.

Our services are designed to:

• help you understand your reverse mortgage quote

• explain fees and terms

• identify potential cost discrepancies

• prepare you to ask questions to your lender

You acknowledge that:

• We do not make decisions for you

• We do not guarantee results

• We do not influence lenders

• Our guidance is general and not personalized financial, legal, or tax advice

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5. Not Financial, Legal, or Tax Advice

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The Company is not a financial advisor, attorney, tax professional, or fiduciary.

All information is:

• general education

• not tailored financial planning

• not legal advice

• not tax advice

• not investment advice

You should consult licensed professionals before making financial decisions.

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6. No Guarantees

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The Company does not guarantee:

• lower fees

• lower rates

• savings

• loan approval

• improved loan terms

• accuracy of third-party data provided by lenders

Any statement regarding potential savings reflects past typical client experiences, not future guarantees.

Your results may vary.

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7. Client Responsibilities

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You agree to:

• provide accurate and complete documentation

• communicate directly with your lender

• ask your own questions to the lender

• make your own financial decisions

• independently verify any data or assumptions

You are solely responsible for all decisions you make based on our educational services.

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8. Payment & Refund Policy

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Payment is due only if our expertise helps you achieve savings greater than our $499 fee.

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9. Limitation of Liability

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To the fullest extent permitted by law:

The Company, its owners, employees, contractors, and affiliates are not liable for:

• financial decisions you make

• actions taken or not taken based on our educational materials

• loan denial or approval outcomes

• lender actions, errors, or disclosures

• inaccuracies in third-party documents

• damages of any kind, including financial loss, legal claims, or incidental damages

Our total liability shall not exceed the amount you paid for the service.

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10. Hold Harmless Agreement

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You agree to indemnify, defend, and hold harmless the Company from any claims, damages, losses, or legal actions arising from:

• your use of our services

• your dealings with lenders

• your financial decisions

• misunderstandings about loan products

• reliance on information you provided to us

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11. Privacy Policy

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We take privacy seriously.

• Your documents are used only to provide the educational service.

• We do not sell or share your information with lenders.

• We do not share your information with third parties except required by law.

• Document and data uploads must not include Social Security numbers when possible.

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12. No Endorsement of Lenders

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The Company does not endorse, recommend, or receive compensation from any lender.

If we mention a lender, it is for educational context only.

You are free to choose any lender of your choice.

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13. Intellectual Property

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All educational materials, reports, documents, PDFs, logos, and branding are the property of the Company and may not be:

• reused

• copied

• republished

• redistributed

…without written permission.

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14. Changes to Terms

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We may update these Terms & Conditions at any time. The most recent version will always be posted on our website.

Your continued use of the service constitutes acceptance of any updates.

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15. Governing Law

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These Terms are governed by the laws of the state in which Reverse Mortgage Quotes Explained LLC is registered.