Consumer Terms of Service

Effective October 25, 2026

1. Acceptance of Terms

These Consumer Terms of Service (“Consumer Terms”) govern your access to and use of MortgageBrokerDesk.com and any consumer-facing websites, portals, applications, document services, electronic-signature features, communications tools, and related services made available through the platform (collectively, the “Service”). By creating an account, accessing the Service, or clicking to accept these Consumer Terms, you agree to be bound by them and by the MortgageBrokerDesk Privacy Policy. You must be at least 18 years old to create an account or use the Service for a mortgage-related transaction.

2. Role of MortgageBrokerDesk

MortgageBrokerDesk provides technology that enables consumers and mortgage professionals to exchange information, prepare and process mortgage applications, upload and receive documents, communicate, and use other mortgage-related workflow tools. Unless expressly stated otherwise for a particular service, MortgageBrokerDesk is not your mortgage lender, mortgage broker, loan originator, credit decision-maker, or financial adviser. Loan decisions, loan terms, rate locks, underwriting decisions, approvals, denials, disclosures, and other mortgage-related decisions are made by the mortgage company, lender, loan originator, processor, or other professional involved in your transaction.

3. Your Account

You agree to provide accurate, current, and complete account information and to keep your login credentials confidential. You are responsible for activity occurring through your account to the extent permitted by law. You should promptly notify MortgageBrokerDesk or your mortgage professional if you believe your account credentials have been compromised.

4. Mortgage Application Information

The Service may allow you to enter or submit information used in connection with a mortgage application, including identity, contact, employment, income, asset, liability, property, and other financial information. You agree to provide information that is accurate and complete to the best of your knowledge and to promptly notify your mortgage professional of material changes. Information entered into the Service may be made available to the mortgage company, loan originator, processor, lender, and authorized service providers involved in your transaction, as described in the Privacy Policy and any transaction-specific disclosures or authorizations.

5. Documents and Electronic Delivery

The Service may permit you to upload, receive, review, download, acknowledge, or electronically sign mortgage-related documents. You are responsible for reviewing documents presented to you and contacting your mortgage professional with questions concerning the meaning, accuracy, timing, or legal effect of a mortgage document. MortgageBrokerDesk may provide technology used to generate or populate forms from information stored in the Service. The mortgage professional and other responsible parties remain responsible for determining which forms, disclosures, and documents are required for a transaction and for reviewing their accuracy and legal sufficiency.

6. Electronic Signatures and Electronic Records

Certain transactions may be conducted electronically. Where required, you may be presented with a separate consent concerning electronic records and electronic signatures. Your use of an electronic-signature feature does not replace any separate disclosure, authorization, or consent required by applicable law.

7. Consumer Credit Reports

MortgageBrokerDesk may provide technology that enables a mortgage professional to request consumer credit information from a third-party credit vendor with which the mortgage company maintains its own account or relationship. Acceptance of these Consumer Terms is not, by itself, an authorization to obtain your consumer credit report. A mortgage professional may present a separate credit authorization or other consent for your electronic signature. Questions concerning why credit is being requested, the permissible purpose for the request, or the effect of a credit inquiry should be directed to your mortgage professional or the applicable credit provider.

8. Third-Party Services

The Service may interact with third-party providers, including lenders, credit reporting or credit service vendors, document providers, electronic-signature providers, verification services, settlement-service providers, and other mortgage-related service providers. Third-party products and services may be governed by separate terms and privacy practices. MortgageBrokerDesk does not control the acts, decisions, availability, pricing, or policies of independent third parties.

9. Communications

The Service may facilitate communications between you and mortgage professionals. Unless expressly stated otherwise, communications through the Service do not constitute a loan approval, commitment to lend, rate lock, or modification of loan terms. Time-sensitive instructions concerning a loan should be confirmed directly with your mortgage professional.

10. Prohibited Use

• Do not use the Service for unlawful, fraudulent, abusive, or deceptive purposes. • Do not attempt to gain unauthorized access to another person's account, loan file, documents, or data. • Do not introduce malicious code or interfere with the security or operation of the Service. • Do not use automated tools to scrape, harvest, copy, or extract information from the Service without authorization.

11. Privacy and Security

Use of personal information is described in the MortgageBrokerDesk Privacy Policy. MortgageBrokerDesk uses administrative, technical, and physical safeguards designed to protect information as appropriate to the Service. No information system or method of transmission can be guaranteed to be completely secure.

12. Availability and Changes

MortgageBrokerDesk may modify, suspend, maintain, update, or discontinue features of the Service. The Service may occasionally be unavailable because of maintenance, third-party outages, technical failures, or events beyond reasonable control.

13. Suspension and Termination

MortgageBrokerDesk may suspend or terminate access to the Service for security reasons, misuse, violation of these Consumer Terms, legal or regulatory requirements, termination of the applicable mortgage company's access, or other legitimate business reasons. The treatment and retention of information following termination is governed by the Privacy Policy, applicable law, and the requirements applicable to the mortgage company or other parties maintaining the loan record.

14. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. MORTGAGEBROKERDESK DOES NOT GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT A CONSUMER WILL QUALIFY FOR A LOAN, OR THAT ANY PARTICULAR LOAN PRODUCT, RATE, PRICE, OR TERM WILL BE AVAILABLE.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MORTGAGEBROKERDESK WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM USE OF THE SERVICE. NOTHING IN THESE CONSUMER TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED.

16. Changes to These Terms

MortgageBrokerDesk may revise these Consumer Terms from time to time. The updated version will identify its effective date. Where required by law or appropriate because of a material change, additional notice or renewed acceptance may be requested.

17. Governing Law and Disputes

These Terms and any dispute arising out of or relating to these Terms or the Service will be governed by the laws of the State of New Jersey, without regard to its conflict-of-laws principles, except to the extent applicable law requires otherwise.

18. Contact

Questions regarding these Terms or the Service may be directed to: MortgageBrokerDesk.com Email: admin@mortgagebrokerdesk.com