{"id":496,"date":"2026-06-03T13:57:26","date_gmt":"2026-06-03T13:57:26","guid":{"rendered":"https:\/\/kennedymtg.com\/?page_id=128"},"modified":"2026-06-03T20:31:30","modified_gmt":"2026-06-03T20:31:30","slug":"terms-of-use","status":"publish","type":"page","link":"https:\/\/kennedymtg.com\/staging\/8888\/terms-of-use\/","title":{"rendered":"Terms of Use"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Effective date: June 2, 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Last reviewed: June 2, 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These Terms of Use (&#8220;Terms&#8221;) govern your access to and use of the Kennedy Mortgage website located at kennedymtg.com (the &#8220;Site&#8221;). The Site is operated by Kennedy Mortgage, LLC, a Texas limited liability company (&#8220;Kennedy Mortgage,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; or &#8220;our&#8221;). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Acceptance of Terms<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your use of the Site constitutes acceptance of these Terms. Kennedy Mortgage may revise these Terms at any time by updating this page. Your continued use of the Site after any change constitutes acceptance of the revised Terms. You are responsible for reviewing this page periodically for updates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. About Kennedy Mortgage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kennedy Mortgage, LLC is a Texas-licensed mortgage broker, registered with the Nationwide Multistate Licensing System (NMLS). The company facilitates residential mortgage and commercial multifamily financing transactions, working with a network of wholesale lenders to identify financing structures appropriate to each borrower&#8217;s situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Company NMLS ID: 2223950. Individual NMLS ID: 1864826. The Site&#8217;s Licensing page provides additional regulatory disclosure, including states of licensure and applicable regulatory authorities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Informational Purpose of the Site<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Content on the Site is provided for general informational purposes only. Information about loan programs, interest rates, eligibility requirements, and lender criteria is current as of publication and is subject to change without notice. Nothing on the Site constitutes a commitment to lend, a guarantee of approval, an offer of credit, or financial advice tailored to your specific situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loan approval, interest rates, terms, and conditions are determined by the placing lender based on credit, property, income, asset, and other criteria evaluated during formal underwriting. Borrowers should consult directly with Kennedy Mortgage and the placing lender for specific terms applicable to their situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. No Commitment to Lend<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pre-qualification statements, scenario reviews, informational conversations, and any communications related to potential loan transactions do not constitute a commitment to lend or a guarantee that any specific loan will be approved or funded on any specific terms. Formal loan approval requires completion of underwriting by the placing lender, satisfaction of all conditions, and acceptance of final loan documents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Permitted Use<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You may use the Site for lawful purposes only, in accordance with these Terms and applicable law. You agree not to:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party&#8217;s use of the Site<\/li>\n<li>Attempt to gain unauthorized access to any portion of the Site, server, or any related systems<\/li>\n<li>Use any robot, spider, scraper, or other automated means to access the Site for any purpose<\/li>\n<li>Introduce viruses, malware, or any code or material intended to compromise the Site&#8217;s security<\/li>\n<li>Submit false or misleading information through any form on the Site<\/li>\n<li>Use the Site to harvest or collect information about other users<\/li>\n<li>Use the Site for any commercial solicitation purposes without our prior written consent<\/li>\n<li>Impersonate any person or entity, or misrepresent your affiliation with any person or entity<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">6. Intellectual Property<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Site and its entire contents, features, and functionality (including but not limited to all information, text, graphics, images, logos, design, layout, and code) are owned by Kennedy Mortgage, its licensors, or other providers and are protected by United States and international copyright, trademark, and other intellectual property laws.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Kennedy Mortgage name and logo are trademarks of Kennedy Mortgage, LLC. You may not use these marks without our prior written permission. Other names, logos, and marks appearing on the Site (including the marks of Fannie Mae, Freddie Mac, FHA, VA, USDA, and other agencies and lenders) are the trademarks of their respective owners and are referenced for informational purposes only. Such references do not imply endorsement or affiliation unless expressly stated.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may view, download, and print content from the Site for personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, publish, sell, license, or create derivative works from any content on the Site without our prior written consent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7. User Submissions and Communications<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Information you submit through forms on the Site (including the contact form), or via email, phone, or other communications, may be used by Kennedy Mortgage to respond to your inquiry, evaluate potential loan transactions, communicate with lenders on your behalf if you proceed with a loan application, and comply with regulatory requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Submission of information through the Site does not create an attorney-client, fiduciary, or other professional relationship beyond the broker-borrower relationship that may arise if you formally engage Kennedy Mortgage for a loan transaction. Information submitted through public-facing forms should not include sensitive personal data (such as Social Security numbers, full account numbers, or detailed financial statements) until such information is requested through a secure channel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8. Third-Party Links and Services<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Site may contain links to third-party websites, services, and resources (including but not limited to NMLS Consumer Access, the Texas Department of Savings and Mortgage Lending, the Consumer Financial Protection Bureau, and various lender and government agency websites). These links are provided for convenience only. Kennedy Mortgage does not control these third-party sites and is not responsible for their content, privacy practices, or terms of use. Inclusion of any link does not imply endorsement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">9. Disclaimer of Warranties<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Site and its content are provided on an &#8220;as is&#8221; and &#8220;as available&#8221; basis, without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, Kennedy Mortgage disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kennedy Mortgage does not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. Kennedy Mortgage does not warrant the accuracy, completeness, or timeliness of information presented on the Site. Loan program details, rates, terms, and eligibility criteria are subject to change by lenders and regulatory bodies at any time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">10. Limitation of Liability<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To the fullest extent permitted by applicable law, Kennedy Mortgage, its members, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of the Site, or any content on the Site.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In no event shall Kennedy Mortgage&#8217;s total liability to you for all claims arising from or related to your use of the Site exceed one hundred United States dollars ($100.00), regardless of the form of action.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">11. Indemnification<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You agree to indemnify, defend, and hold harmless Kennedy Mortgage and its members, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys&#8217; fees) arising out of or related to: (a) your use of or access to the Site; (b) your violation of these Terms; (c) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (d) any claim that information you submitted caused damage to a third party.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">12. Privacy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains what information we collect, how we use it, and your rights regarding that information. By using the Site, you consent to the data practices described in the Privacy Policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">13. Governing Law<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any action arising out of or related to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of such courts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">14. Dispute Resolution and Mandatory Arbitration<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">14.1 Informal Resolution First<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before initiating arbitration, you and Kennedy Mortgage agree to first attempt to resolve any dispute, claim, or controversy through good-faith informal negotiation. Either party may initiate informal negotiation by sending a written notice describing the dispute to the other party. If the dispute is not resolved within thirty (30) days after the notice is sent, either party may proceed to arbitration in accordance with this Section 14.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">14.2 Mandatory Binding Arbitration<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site that is not resolved through informal negotiation shall be resolved exclusively through final and binding arbitration on an individual basis, rather than in court. The arbitration shall be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and Consumer Arbitration Rules (where applicable), as modified by these Terms. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">14.3 Arbitration Location and Procedure<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The arbitration shall take place in Austin, Texas, unless both parties agree to conduct the arbitration by telephone or video conference. The arbitrator shall apply the laws of the State of Texas, consistent with the Federal Arbitration Act, and shall be empowered to grant whatever relief would be available in court under law or in equity. The arbitrator&#8217;s decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">14.4 Class Action Waiver<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You and Kennedy Mortgage each agree that any dispute resolution proceeding will be conducted only on an individual basis and not as a class, consolidated, or representative action. You and Kennedy Mortgage expressly waive any right to participate in a class action, class-wide arbitration, private attorney general action, or any other proceeding in which either party acts in a representative capacity. The arbitrator may not consolidate more than one person&#8217;s claims and may not preside over any form of representative or class proceeding. If this Class Action Waiver is held to be unenforceable, then this entire Section 14 shall be null and void, and the parties shall pursue claims in court in accordance with Section 13 (Governing Law).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">14.5 Exceptions to Arbitration<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Notwithstanding the foregoing, either party may bring an individual action in small claims court for claims within the jurisdictional limits of that court. Either party may also seek injunctive or other equitable relief in court for actual or threatened infringement, misappropriation, or violation of intellectual property rights without first proceeding to arbitration.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">14.6 Right to Opt Out of Arbitration<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You may opt out of this arbitration agreement by sending a written notice of your decision to opt out to jkennedy@kennedymtg.com within thirty (30) days after first accepting these Terms. Your notice must include your full name, mailing address, the email address used on the Site (if any), and a clear statement that you do not wish to resolve disputes through arbitration. If you opt out, neither you nor Kennedy Mortgage may require the other to arbitrate. Your opt-out will not affect any other provisions of these Terms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">14.7 Waiver of Jury Trial<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">BY AGREEING TO THESE TERMS, YOU AND KENNEDY MORTGAGE EACH KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE. This waiver applies to all claims that would otherwise be subject to jury trial, whether sounding in contract, tort, statute, or otherwise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">15. Changes to These Terms<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kennedy Mortgage reserves the right to modify these Terms at any time. Material changes will be reflected by updating the &#8220;Effective Date&#8221; at the top of this page. Continued use of the Site after the Effective Date constitutes your acceptance of the modified Terms. You are responsible for reviewing this page periodically.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">16. Severability and Entire Agreement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Kennedy Mortgage regarding your use of the Site and supersede all prior agreements and understandings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">17. Contact Information<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Questions about these Terms can be directed to:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kennedy Mortgage, LLC<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">173 Cast Iron Cove<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dripping Springs, TX 78620<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Phone: (512) 553-2111<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Email: jkennedy@kennedymtg.com<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Effective date: June 2, 2026 Last reviewed: June 2, 2026 These Terms of Use (&#8220;Terms&#8221;) govern your access to and use of the Kennedy Mortgage website located at kennedymtg.com (the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"page-templates\/legal.php","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-496","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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