Terms and Conditions of Use

Effective Date: Last Updated September 2024

Thank you for visiting our website. In this Terms and Conditions of Use Agreement (“Agreement”), the terms “Intercoastal Mortgage,” “we,” “us,” or “our” refer to Intercoastal Mortgage, LLC, its website (including any mobile version), and its affiliates. Intercoastal Mortgage, LLC (“ICM”) provides website services to users and members subject to the following terms and conditions.

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS & CONDITIONS IN FULL. IF YOU DO NOT AGREE, PLEASE DO NOT USE THIS WEBSITE.

You must be at least 18 years old and a U.S. resident to use this website or any of its features or services.

1. Website Privacy Statement

Your use of this website is also subject to our [Privacy Policy], which governs how we collect and use personal information. Please read it carefully.

2. Scope of Use

Intercoastal Mortgage, LLC provides mortgage-related information, tools, and services through this website. By using this website, you become either a User (an unregistered visitor) or a Member (a registered user who may submit loan inquiries or applications). Certain tools, applications, or content may only be available to registered Members. You agree to maintain the confidentiality of your login credentials and notify us immediately of any unauthorized access or breach.

3. Intellectual Property

All content on this website—including text, images, software, logos, audio, and video—is the property of Intercoastal Mortgage, LLC or its licensors and is protected under U.S. and international copyright and intellectual property laws. You may use this website and its content for personal, non-commercial purposes only. Unauthorized copying, modification, distribution, or commercial use is strictly prohibited.

4. Use Restrictions

You are granted a limited, revocable license to use the website solely for obtaining information or requesting services. You may not reproduce, resell, or exploit any portion of the content or database without express written consent.

5. Disclaimer of Warranties

YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. THE WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. INTERCOASTAL MORTGAGE DISCLAIMS ALL WARRANTIES INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee that this site will be uninterrupted, error-free, or free of viruses. Any reliance on the site or its content is at your own risk.

6. Limitation of Liability

To the fullest extent permitted by law, Intercoastal Mortgage, LLC is not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use this site, even if we have been advised of the possibility of such damages. Your sole remedy for dissatisfaction with the website is to stop using it.

7. Indemnification

You agree to indemnify and hold harmless Intercoastal Mortgage, LLC, its affiliates, officers, employees, and agents from any claims, damages, liabilities, or expenses arising out of your use of the website, your violation of these Terms, or any third-party claims resulting from your actions.

8. Children’s Online Privacy Protection (COPPA)

This website is not intended for use by individuals under the age of 18. We do not knowingly collect information from minors. For more information, please refer to our Privacy Policy and COPPA Notice.

9. Export Control

You agree to comply with all U.S. export laws and regulations when accessing or using this website. You may not transfer any content to foreign nationals or countries in violation of these laws.

10. Modifications and Service Interruptions

Intercoastal Mortgage reserves the right to change, suspend, or discontinue any portion of the website at any time without notice. We are not liable for any modification or discontinuation of the website or services.

11. Third-Party Websites

This website may include links to third-party websites for your convenience. These sites are not controlled or endorsed by Intercoastal Mortgage, LLC, and we are not responsible for their content or availability. Your use of these sites is subject to their own terms and conditions.

12. Governing Law and Jurisdiction

This Agreement shall be governed by the laws of the United States and the State of [Insert appropriate state – e.g., Virginia, if applicable]. Any legal action must be brought in a court of competent jurisdiction in that state.

13. Compliance and International Use

You agree to comply with all applicable local, state, federal, and international laws. This website is intended for U.S. residents only.

14. Copyright & Trademarks

All trademarks, service marks, and logos on this site are the property of Intercoastal Mortgage, LLC or their respective owners. Unauthorized use is prohibited.

15. Copyright Complaints

If you believe any content on this site infringes your copyright, please send a detailed written notice to our designated agent.

16. Security and Monitoring

Your communications with us (via chat, phone, or email) may be monitored or recorded for quality assurance. By using this website, you consent to such monitoring.

17. Contests, Surveys, and Promotions

Participation in any surveys, sweepstakes, or contests is voluntary. Any data collected may be used for marketing or internal research purposes, as disclosed at the point of entry.

18. Credit Offer Opt-Out

Credit bureaus may share your information with third-party lenders. To opt out of prescreened credit offers, visit 

www.intercoastalmortgage.com/topt-out/

19. Binding Agreement

These Terms & Conditions represent the complete agreement between you and Intercoastal Mortgage, LLC. We reserve the right to update these terms at any time. Your continued use of the website constitutes your acceptance of any modifications.

I HAVE READ AND UNDERSTAND THESE TERMS AND CONDITIONS. I AGREE TO BE BOUND BY THEM IN FULL.