Terms of Service

Agreement to Terms

These Terms of Service constitute a legally binding agreement between you and Jimmy Joseph MBA, operating under CMG Home Loans (NMLS #1577754, Branch NMLS #2477715), concerning your access to and use of the jimmymortgage.com website and any related services.

By accessing or using our website, you agree that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with these terms, you must not access or use this website.

Use of Website

Permitted Use

You may use our website for lawful purposes only and in accordance with these Terms. You agree:

• Not to use the website in any way that violates applicable laws or regulations
• Not to engage in unauthorized framing or linking to the website
• Not to interfere with the proper functioning of the website
• Not to attempt to gain unauthorized access to any systems or networks
• Not to use automated systems (bots, scrapers) to access the website
• To provide accurate and complete information when requested

Age Requirement

You must be at least 18 years of age to use this website and our services. By using the website, you represent and warrant that you meet this age requirement.

No Commitment to Lend

IMPORTANT: Information provided on this website does not constitute a commitment to lend, an offer to lend, or a pre-qualification or pre-approval for a mortgage loan.

• All loan applications are subject to credit approval
• Rates, fees, and program availability may change without notice
• Additional conditions and restrictions may apply
• Not all borrowers will qualify for all loan programs
• Actual loan terms depend on credit profile, property, and other factors

Contact us directly to discuss your specific situation and receive a formal loan estimate.

Information Accuracy

We strive to provide accurate and up-to-date information on our website. However:

• Information is provided "as is" without warranties of any kind
• Rates, terms, and program details may change without notice
• Calculator results are estimates only and not a commitment
• Blog content is for informational purposes and not financial advice
• We do not guarantee the accuracy, completeness, or timeliness of information

Always verify current information by contacting us directly at (908) 698-0150.

Intellectual Property Rights

Our Content

All content on this website, including text, graphics, logos, images, and software, is the property of Jimmy Joseph MBA/CMG Home Loans or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify or create derivative works from our content
• Use our trademarks or branding without authorization
• Remove copyright or proprietary notices

Third-Party Links and Services

Our website may contain links to third-party websites and services, including the CMG Home Loans loan application portal. These links are provided for your convenience only.

• We do not control or endorse third-party websites
• We are not responsible for the content or practices of external sites
• Third-party sites have their own terms of service and privacy policies
• We do not guarantee the availability or accuracy of external content

Your use of third-party websites is at your own risk.

Disclaimers

No Warranties

THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability or fitness for a particular purpose
• Accuracy, reliability, or completeness of content
• Uninterrupted or error-free operation
• Security or freedom from viruses or harmful components

Not Financial Advice

Information on this website is for general informational purposes only and does not constitute professional financial, legal, or tax advice. You should:

• Consult with qualified professionals for personalized advice
• Not rely solely on website content for financial decisions
• Verify all information independently before taking action

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, JIMMY JOSEPH MBA AND CMG HOME LOANS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING:

• Loss of profits, revenue, or data
• Business interruption
• Personal injury or property damage
• Damages arising from use or inability to use the website

Our total liability to you for any claims arising from these Terms or your use of the website shall not exceed $100.

Indemnification

You agree to indemnify, defend, and hold harmless Jimmy Joseph MBA, CMG Home Loans, and their affiliates, officers, employees, and agents from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the website
• Your violation of these Terms
• Your violation of any rights of third parties
• Your misrepresentation of information provided to us

Governing Law and Dispute Resolution

Governing Law

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

Dispute Resolution

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

• Good faith negotiations between the parties
• If negotiations fail, binding arbitration in Bergen County, New Jersey
• Arbitration shall be conducted by a single arbitrator under AAA rules
• Each party shall bear their own costs and attorneys' fees

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this page with an updated "Last Updated" date.

Your continued use of the website after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

Termination

We reserve the right to terminate or suspend your access to the website immediately, without prior notice, for any reason, including violation of these Terms. Upon termination, your right to use the website will cease immediately.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.