TERMS AND CONDITIONS — Todd Uzzell Mortgage
Last Updated: July 2026
1. AGREEMENT TO TERMS
By accessing and using this website (collectively, the “Site”), you accept and agree to be bound by and abide by these Terms and Conditions. If you do not agree to abide by the above, please do not use this Site.
Site Operator:
Todd Uzzell Mortgage
Todd Uzzell, NMLS #1525192
Starboard Financial, NMLS #156931, BK-0910725
4145 E Baseline Rd, Gilbert, AZ 85234
Phone: 480-330-1724
2. USE LICENSE
Permission is granted to temporarily download one copy of the materials (information, software, and graphics) on the Site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
– Modify or copy the materials
– Use the materials for any commercial purpose or for any public display
– Attempt to decompile or reverse engineer any software contained on the Site
– Remove any copyright or other proprietary notations from the materials
– Transfer the materials to another person or “mirror” the materials on any other server
– Violate any applicable laws or regulations
– Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site
3. MORTGAGE LENDING DISCLAIMER
This Site and its contents are provided by a licensed mortgage lender for informational purposes only and do NOT constitute:
– A loan offer or commitment
– Legal, tax, or financial advice
– Professional lending guidance
All information provided is general in nature. Specific loan eligibility, terms, rates, and conditions depend on individual circumstances, credit profile, property details, loan program, and market conditions. No loan approval is implied by your use of this Site or submission of an inquiry.
Loan programs, rates, and terms are subject to change without notice. Actual loan costs, fees, and terms will be disclosed in your Loan Estimate and Closing Disclosure in compliance with TILA/RESPA guidelines.
4. REGULATORY COMPLIANCE & DISCLAIMERS
a) Fair Lending
Todd Uzzell Mortgage complies with the Equal Credit Opportunity Act (ECOA) and Fair Housing Act (FHA). We do not discriminate in lending based on race, color, religion, national origin, sex, familial status, disability, or other legally protected characteristics.
b) Credit Reporting
We may obtain credit reports and use credit information for pre-qualification estimates and loan underwriting in accordance with the Fair Credit Reporting Act (FCRA). You have the right to dispute inaccuracies in your credit report with the credit bureau directly.
c) Loan Estimates & Truth in Lending
All loan estimates, disclosures, and closing documents are provided in compliance with the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA). Loan Estimates must be provided within 3 business days of application; Closing Disclosures must be provided 3 business days before closing.
d) Privacy & Data Protection
We protect your personal and financial information in accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws. See our Privacy Policy for details.
5. NO WARRANTY
The materials on the Site are provided on an ‘as-is’ basis. Todd Uzzell Mortgage makes no representations or warranties of any kind, express or implied, regarding the Site or the materials contained within, including but not limited to:
– Accuracy or completeness of information
– Fitness for a particular purpose
– Non-infringement of third-party rights
– Uninterrupted or error-free operation
6. LIMITATION OF LIABILITY
In no event shall Todd Uzzell Mortgage, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to:
– Your use of or inability to use the Site
– Reliance on information provided on the Site
– Loan application denial or loan terms offered
– Technical errors or interruptions
– Loss of data or business interruption
Some jurisdictions do not allow the limitation or exclusion of liability, so some of the above may not apply to you.
7. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Todd Uzzell Mortgage and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney’s fees) arising from:
– Your use of the Site
– Your violation of these Terms and Conditions
– Your violation of any applicable law or regulation
– Your infringement of any third-party rights
8. INTELLECTUAL PROPERTY RIGHTS
All content on the Site, including text, graphics, logos, images, and software, is the exclusive property of Todd Uzzell Mortgage or its content suppliers and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, transmit, modify, or create derivative works without prior written permission.
9. THIRD-PARTY LINKS AND CONTENT
The Site may contain links to third-party websites and resources (real estate platforms, property databases, government agencies, educational sites). Todd Uzzell Mortgage is not responsible for:
– Availability or accuracy of third-party content
– Opinions or statements made by third parties
– Privacy practices or policies of third-party sites
– Technical errors or security issues on linked sites
Use of third-party links is at your own risk. We encourage you to review the terms and privacy policies of any linked sites before providing information.
10. USER-SUBMITTED CONTENT
If you submit any content to the Site (inquiries, documents, feedback), you grant Todd Uzzell Mortgage a non-exclusive, royalty-free, perpetual license to use, reproduce, modify, and distribute that content for business purposes. You represent that you own or have permission to use any content you submit and that it does not infringe third-party rights.
11. PROHIBITED CONDUCT
You agree not to:
– Transmit any unlawful, threatening, abusive, defamatory, obscene, or otherwise objectionable material
– Disrupt the normal flow of dialogue within the Site or any website
– Engage in any form of harassment, cyberstalking, or intimidation
– Interfere with or disrupt the Site’s operation or security
– Access or search the Site by any means other than our publicly supported interfaces
– Attempt to gain unauthorized access to any portion of the Site
12. LOAN APPLICATION PROCESS
– Loan applications are subject to verification of employment, income, assets, credit, and property details
– All information provided must be complete, accurate, and truthful
– Misrepresentation or fraud in the application process may result in application denial and possible legal action
– Pre-qualification estimates are not loan approvals and are subject to change
– Final loan approval depends on underwriting review and property appraisal
13. RATES AND TERMS
– Rates quoted are subject to market conditions and may change without notice
– Lock-in periods, points, and fees vary by loan program and individual circumstances
– Actual rates offered depend on credit score, down payment, loan-to-value ratio, property type, and other factors
– Rate locks are subject to specific terms and may be unavailable for certain loan programs
14. CHANGES TO THE SITE
Todd Uzzell Mortgage reserves the right to modify or discontinue the Site or any features at any time without notice. We are not liable to you or any third party for any modifications or discontinuance.
15. CHANGES TO TERMS
We may update these Terms and Conditions periodically. The updated version will be posted on this page with a revised “Last Updated” date. Your continued use of the Site constitutes acceptance of the updated terms. It is your responsibility to review these terms periodically for changes.
16. TERMINATION
Todd Uzzell Mortgage may terminate or suspend your access to the Site at any time for any reason without notice, including if we believe you have violated these Terms and Conditions.
17. GOVERNING LAW & JURISDICTION
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflicts of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona.
18. SEVERABILITY
If any provision of these Terms and Conditions is found to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it valid, and all other provisions will remain in effect.
19. ENTIRE AGREEMENT
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Todd Uzzell Mortgage regarding your use of the Site and supersede all prior agreements and understandings.
20. CONTACT US
For questions about these Terms and Conditions or to report violations:
Todd Uzzell Mortgage
Email: [email protected]
Phone: 480-330-1724
Address: 4145 E Baseline Rd, Gilbert, AZ 85234
NMLS #1525192 | Starboard Financial NMLS #156931
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COMPLIANCE NOTICE: These terms are intended to comply with applicable federal lending laws (TILA, RESPA, ECOA, FCRA, GLBA) and Arizona state law. Nothing herein should be construed as legal advice. For questions about consumer rights or lending regulations, visit the Consumer Financial Protection Bureau (CFPB.gov) or the Arizona Department of Financial Institutions (AZ.gov/DFI).