TERMS & LEGAL DISCLOSURES

Miami Financial — Terms & Legal Disclosures

By accessing or using this website, you agree to the following Terms & Legal Disclosures. These Terms outline the nature of our services, the limitations of our involvement, and how we operate as a consulting and referral service — not a lender and not a mortgage broker.

1. Acceptance of Terms
By using this website, submitting information, or communicating with Miami Financial, you acknowledge and agree to these Terms & Legal Disclosures. If you do not agree, do not use this site.

2. Nature of Services
Miami Financial is a financial consulting, marketing, and referral service.
We provide:

• general information on real estate and business funding options,

• assistance in identifying potential lenders that may meet your needs,

• and introductions to licensed third-party lenders.

We do not engage in lending, brokering, underwriting, negotiating, or processing loans.

3. No Lending or Mortgage Brokerage
Miami Financial is not:

• a lender

• a mortgage broker

• an NMLS licensee

• a financial institution

• a loan originator

• an underwriter

We do not:

• quote or negotiate rates, points, or loan terms

• collect complete loan applications

• accept sensitive financial documents

• issue pre-approvals or approvals

• provide commitment letters

• influence lending decisions

All lending activities are performed solely by licensed third-party lenders.

4. No Loan Application on This Website
Any form or questionnaire on this website is not a loan application.
The purpose of the forms is to collect basic interest information so we can:

• understand your goals, and

• connect you with a licensed lender who will handle all application and underwriting steps.

All official loan applications must be submitted directly to the lender.

5. General Information Only
Content on this website is provided for general educational purposes and should not be construed as:

• a loan offer

• a commitment to lend

• financial advice

• legal advice

• tax advice

• investment advice

You should consult qualified professionals before making financial decisions.

6. Referral & Marketing Compensation Disclosure
Miami Financial may receive a referral fee, marketing fee, or performance-based fee from a lender or partner after a successful introduction.
This compensation:

• does not affect your interest rate

• does not modify your terms

• is not charged to you as a borrower

• is not contingent upon Miami Financial participating in the loan process

7. Third-Party Lender Responsibility
Any lender you engage with is:

• an independent third-party entity

• fully responsible for its own loan programs, underwriting, and disclosures

• licensed within the appropriate jurisdiction

Miami Financial does not:

• guarantee financing

• guarantee approval

• ensure lender performance

• verify every lender’s licensing status in real time

• control interest rates, fees, or program guidelines

All loan terms are solely between you and the licensed lender.

8. No Guarantee of Funding or Outcomes
Miami Financial does not guarantee:

• approval

• program eligibility

• loan terms

• funding amounts

• funding timelines

• success of an introduction

• suitability of any lender

Your results depend entirely on the lender’s requirements and decisions.

9. Accuracy of Information
While Miami Financial aims to provide accurate and relevant information, we do not guarantee that:

• program details

• lender requirements

• market conditions

• website content

• rate environments

• or funding availability

are current, complete, or free of errors.
Lenders may change their guidelines at any time without notice.

10. No Financial, Legal, or Tax Advice
The website content and any verbal or written communication from Miami Financial does not constitute:

• legal advice

• financial advice

• investment advice

• tax advice

Consult appropriate licensed professionals for such matters.

11. Limitation of Liability
To the fullest extent permitted by law, Miami Financial is not liable for:

• loan denials or delays

• lender decisions or actions

• inaccurate or outdated information

• financial losses

• damages arising from the use of this website

• reliance on any information provided

• actions taken by lenders or third parties

You agree to use the website and our services at your own risk.

12. Website Use & User Conduct
You agree not to:

• provide false or misleading information

• misuse forms or system functionality

• attempt unauthorized access

• interfere with the website’s operations

• impersonate another person

We reserve the right to refuse service to anyone submitting fraudulent or abusive information.

13. Privacy Overview
Miami Financial collects only basic information voluntarily provided by users.
Information is used strictly for:

• matching clients with lenders

• communication purposes

• internal consulting activities

We do not sell personal data.

14. Updates to Terms
Miami Financial may revise these Terms at any time without prior notice.
Continued use of the website indicates your acceptance of updated Terms.

15. Contact Information
For questions regarding these Terms & Legal Disclosures:
Miami Financial
andrey@miami-financial.com
www.miami-financial.com