Terms of Service

Acceptance of Terms

By accessing or using The Sessions Group's website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Our Services

The Sessions Group provides mortgage brokerage services, connecting borrowers with lending institutions. Our services include:

• Mortgage consultation and advisory services
• Loan comparison and rate shopping
• Application submission to multiple lenders
• Specialized financing for self-employed individuals and real estate investors
• Loan processing assistance and coordination

We act as intermediaries between borrowers and lenders and do not make final lending decisions. All loans are subject to lender approval and underwriting guidelines.

Eligibility and Responsibilities

To use our services, you must:

• Be at least 18 years of age
• Provide accurate, complete, and current information about yourself
• Have the legal authority to enter into a binding agreement
• Comply with all applicable federal and state laws
• Maintain the confidentiality of your account information

You are responsible for all activities that occur under your account and for ensuring that all information you provide is truthful and accurate. Providing false or misleading information may result in termination of services and could constitute fraud.

Loan Application Process

When you submit a loan application through our services:

• You authorize us to obtain your credit report and verify your financial information
• You understand that we will share your information with potential lenders
• You acknowledge that rate quotes are estimates and subject to change based on underwriting
• You agree that final loan terms are determined by the lender, not The Sessions Group
• You understand that loan approval is not guaranteed, regardless of preliminary qualification

Fees and Compensation

The Sessions Group may receive compensation from lenders for our services. Any fees charged directly to you will be disclosed in writing before you proceed with a loan application. Compensation structures vary by lender and loan type, and we will provide full disclosure of our compensation in accordance with federal and state regulations.

You have no obligation to proceed with any loan offer, and you may shop for alternative financing at any time.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of The Sessions Group or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without explicit written permission.

Limitation of Liability

The Sessions Group provides mortgage brokerage services on an "as is" and "as available" basis. We make no warranties, express or implied, regarding:

• The accuracy or completeness of information provided
• The availability or functionality of our website
• The outcome of any loan application
• The terms or conditions offered by lenders

To the maximum extent permitted by law, The Sessions Group shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or inability to obtain financing.

Regulatory Compliance

The Sessions Group operates in compliance with all applicable federal and state lending regulations, including but not limited to:

• The Truth in Lending Act (TILA)
• The Real Estate Settlement Procedures Act (RESPA)
• The Equal Credit Opportunity Act (ECOA)
• The Fair Housing Act
• State-specific mortgage broker licensing requirements

We are committed to fair lending practices and do not discriminate based on race, color, religion, national origin, sex, marital status, age, or any other protected class.

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action lawsuit.

These terms shall be governed by the laws of the State of Idaho, without regard to its conflict of law provisions.

Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties, or for any other reason in our sole discretion.

You may discontinue using our services at any time. If you have an active loan application, please contact us to discuss the status and any obligations that may remain.

Changes to Terms

We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or business practices. We will notify you of any material changes by posting the new Terms of Service on this page and updating the "Last updated" date at the top of this document.

Your continued use of our services after any changes indicates your acceptance of the new terms.

Contact Information

If you have any questions about these Terms of Service, please contact us: