Terms of Use Agreement

This Terms of Use Agreement (“Agreement”) and our privacy policy (“Privacy Policy”) govern your use of this Website, its content, and the services made available through or in conjunction with it (the “Website”). You (“User”) agree to abide by this Agreement and our Privacy Policy each time you use our website. User must stop using this website right away if user does not agree to this Agreement and Privacy Policy. In this Privacy Policy, references to “we,” “us,” or “our” are to StatedIncome.com.

If you submit a request for loan products, services, or related information on our Website, we may contact you by telephone, email or mail even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of any particular lender associated with us.  If you no longer wish to receive communications from a lender, please notify the lender directly or opt out by contacting us. You also give us permission to send you periodic updates of current loan or related products which may be of interest to you. If you submit a request for loan products or services through our website, we will share your personal information (such as your full name, address and telephone number) with lenders including banks and mortgage companies in order to process and fulfill your request.

The content of this website is for informational purposes only and does not constitute an offer or promise for a loan, loan commitment or interest rate lock-in agreement of any kind. The information on this site does not constitute an advertisement for credit as defined by Paragraph 226.24 of Regulation Z.

The Use of Our Website

By using our website, you certify that you are at least eighteen years old and a resident of or located in the United States. You agree to assume responsibility for all use of our website by any minors, and agree that all information submitted by you online or otherwise is accurate and complete and has not been knowingly submitted false information. Your use of our website is subject to all applicable federal, state, and local laws and regulations.

Disclaimer and Limitation of Liability

We offer this website as a service. The contents are provided “as is,” and we make no express or implied warranties of any kind, including but not limited to warranties of merchantability or fitness for a particular purpose; freedom from viruses, bugs, errors or other harmful coding routines; and non-infringement of intellectual property rights. We make no warranty regarding the accuracy or reliability of any information obtained through this site or any hyperlinked site.  We are not liable for any damages, including but not limited to punitive, incidental, indirect, special or consequential damages arising out of the use of or inability to use this website or its contents, even if we have been advised of the possibility of such damages.

Any products, services, information, or other materials displayed, purchased, or obtained as a result of any information or offer in or outcomes of any kind obtained in connection with this Website—including, without limitation, any agent recommendations, loan recommendations, applications, approvals, pre-qualifications, loans, or interest rate analysis—are not our responsibility or are subject to our liability. Nothing on this website constitutes an offer, guarantee, or other representation that any participating lender or broker would issue a loan for a particular purpose or on a certain set of circumstances.

Any delays, inaccuracies, mistakes, or omissions with regard to the information or the transmission or delivery of all or any portion thereof, for any harm resulting therefrom or precipitated thereby, or for the outcomes of the use of the information, are not subject to our liability. The user is solely responsible for evaluating the correctness, sufficiency, completeness, validity, and quality of any material.

The purpose of this website is to present general information that may be of interest to knowledgeable users. The content on the website is not customized to the personal situation of the users.


We, our subsidiaries, and our affiliates, as well as their respective agents, officers, directors, employees, and contractors, are hereby indemnified, defended, and held harmless by User from and against any and all loss, liability, claim, damage, and other expenses (including reasonable attorneys’ fees) resulting from User’s: 1) a breach of this Agreement; 2) logging in or using this service or website; or then again (3) inability to give precise, honest, and complete, current individual data.

Infringement on the Agreement; Termination

If, in our sole judgment, the user violates any of the terms and conditions, including the prohibited actions listed below, we reserve the right to terminate, suspend, or otherwise deny the user’s access to this website without notice or liability. i) Use the Website in an illegal manner or to submit, transmit, or facilitate the distribution of information or content that is unlawful, harmful, abusive, racially or ethnically offensive, vulgar, obscene, sexually explicit, defamatory, infringing on personal privacy or publicity rights, harassing, libelous, threatening, or objectionable in a reasonable person’s opinion; ( ii) send, promote, or distribute content or information that is illegal; ( iii) make an effort to disrupt, compromise the security or integrity of the system, or decipher any transmissions to or from the Website’s servers; ( iv) Engage in any activity that, at our sole discretion, places an unreasonable or disproportionately heavy burden on our infrastructure, or may place such burden; v) Use the Website to upload invalid data, worms, viruses, or other software agents; (vi) without our express written permission, use any robot, spider, scraper, or other automated access to the Website for any purpose; ( vii) pretend to be someone else, misrepresent the affiliation of the user with a person or entity in any other way, commit fraud, or conceal or attempt to conceal the user’s identity; ( viii) submit, upload, post, email, transmit, or otherwise make available any content or information that the User is not permitted by law or contractual or fiduciary relationships to make available; ix) Interfere with the Website’s proper operation; or, (x) circumvent the measures we may employ to restrict or prevent access to the Website. This Agreement remains in effect even if the User is terminated for any reason.

Products, Services and Other Goods

We will share the user’s information with certain business partners in order to process and fulfill the user’s request for any product or service other than loan product information. In addition, the user consents to the fact that the business partners may contact the user based on the information they submit via email, phone, or postal mail. Regardless of whether or not the user chooses to use the lenders’ services, the user acknowledges and agrees that the lenders may keep the information they collect from them. The user agrees to notify the business partner directly if they no longer wish to receive communications from them. In addition, the user grants us permission to send periodic notifications of changes to the service, website, or special offers that may be of interest to the user.

Proprietary Rights and Intellectual Property

Please use the information and document at your own risk. Because this website’s content is protected by copyright, any unauthorized use of it may infringe on trademark, copyright, and other laws.  Without our permission, you may not alter, duplicate, publicly display, distribute, or perform the materials on this website for commercial or public use.

The United States of America’s copyright laws apply to all content on this website, with all rights reserved, unless otherwise stated. All of our trademarks, service marks, and logos are registered trademarks or service marks. All other logos and brand names on the Website are the property of their respective owners and are registered trademarks or service marks. Reverse engineering, decompilation, reverse assembly, analysis, study, or any other attempt to discover the software’s input and output protocols, source code, or any other features not easily accessible through standard personal computer use is prohibited by the user.

We do not grant any licenses or other rights to its website or the software, data, or intellectual property rights contained therein, with the exception of a personal, non-exclusive, non-transferable license for the User to use the Website on a single computer.


Hyperlinks contained in this Site have a place with outsider destinations (“connected locales”) and are given by us to Client’s comfort as it were. We have no control over any linked websites, and neither explicitly nor implicitly do we endorse or sponsor any linked website, its content, the products or services it sells, or represent or warrant the truth or accuracy of any information contained therein. You do so at your own risk when you use these external websites.

Governing Law: Arbitration

This Arrangement and Client’s utilization of this Site will be administered and interpreted as indicated by the laws of the state where we work from, regardless of decision of regulation standards. Except for an injunctive action brought in our state of operation regarding a breach or threatened breach of any provision of the Agreement by User, any civil action, dispute, or proceeding arising out of or relating to the Agreement and Users’ use of this Website shall be referred to final and binding arbitration before a single arbitrator in accordance with the commercial arbitration rules of the American Arbitration Association. The arbitrator will be selected jointly by User and us. The American Arbitration Association will select the arbitrator if neither We nor the User can agree on a neutral arbitrator within 30 days of receiving notice of the arbitration. The party requesting arbitration must first deposit $1,000 to cover the arbitrator’s fees and costs before the process can begin. The party who requested arbitration is liable for all fees that the arbitrator may periodically demand until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs. The authority’s conclusive and restricting end might be placed in any court of capable locale.

Limitation on Claims

You concur that any case or reason for activity emerging out of or connected with the utilization of this Site or this Understanding should be recorded in no less than one year after such case or reason for activity emerged, or it is everlastingly banished and postponed, no matter what any resolution or regulation in actuality.

Alterations in Agreement

We may add services and update the Services without informing the User, and we may also add services that are subject to different or additional terms of use. We maintain all authority to alter, change, reexamine, and rehash, whenever, this Understanding, without notice. User is deemed to have agreed to be bound by the amended terms if User continues to use the Website following the effective date of the amended terms. The user agrees not to use the website if they do not accept the updated terms. The User affirmatively agrees to abide by the Agreement and its amended terms if you continue to use the Website.


Any provision of the Agreement that is found to be invalid or unenforceable will be enforced to the fullest extent permitted, while the remaining provisions will continue to be in full force and effect.

Complete Agreement

Any prior oral or written statements or agreements regarding the subject matter are superseded by the Agreement, which sets forth the entire agreement between Us and User.

Updated: 3-20-2023