Legal

1. Acceptance of Terms

By accessing and using the website capitalratemortgage.com, operated by AEM SERVICES INC d/b/a Capital Rate Mortgage ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

2. Services

Capital Rate Mortgage is a direct lender providing mortgage lending services. Our website provides information about our lending products and services, and allows you to contact us regarding mortgage inquiries. All loans are subject to credit approval and verification.

3. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and truthful information in all forms and communications
• Not use the website for any unlawful purpose
• Not attempt to interfere with the proper operation of the website
• Not impersonate any person or entity

4. SMS/Text Message Terms

If you opt in to receive SMS/text messages from Capital Rate Mortgage:

• You consent to receive text messages regarding your mortgage inquiry and application, including messages that may be sent using an automatic telephone dialing system (ATDS).
• Consent is NOT a condition of purchase. You do not need to agree to receive text messages to obtain any product or service from us.
• Message frequency varies. Message and data rates may apply.
• Text STOP to cancel at any time. Text HELP for help.
• Compatible carriers include but are not limited to major US carriers. Carriers are not liable for delayed or undelivered messages.
• You acknowledge that an autodialer may be used to deliver these messages to your mobile device.
• Your phone number and SMS consent information will not be shared with third parties for their marketing purposes.

5. Disclaimer

The information on this website is provided for general informational purposes only and does not constitute a loan commitment or guarantee of any specific rate or terms. All mortgage products are subject to credit approval, underwriting, and other conditions. Rates and terms are subject to change without notice.

6. Limitation of Liability

To the fullest extent permitted by law, AEM SERVICES INC d/b/a Capital Rate Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website or services.

7. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of AEM SERVICES INC and is protected by applicable intellectual property laws.

8. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles.

9. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website constitutes acceptance of updated terms.

10. Contact

For questions regarding these Terms of Service, contact us:

AEM SERVICES INC d/b/a Capital Rate Mortgage
445 E 85th St, New York, NY 10028
Email: tetiana@capitalratemortgage.com