Terms and Conditions

1. Acceptance of These Terms

These Terms and Conditions govern your use of the Website and its available resources. Your use of the Website is also subject to applicable laws and regulations.

2. About Our Services

IvanLin.com provides general information and facilitates inquiries relating to real estate, residential mortgage lending, commercial loans, business financing, investment properties, and related professional services.

Depending on the service requested, you may be referred to or work with separately operated real estate brokerages, mortgage lenders, banks, mortgage brokers, insurance providers, or other third-party professionals.

The availability of specific services depends on applicable licensing, geographic restrictions, lender requirements, business affiliations, and other relevant conditions. Nothing on this Website guarantees that a particular service is available to every visitor.

3. No Guarantee of Loan Approval or Financing Terms

All mortgage and financing information provided on this Website is for general informational purposes. References to interest rates, loan programs, down payments, qualification requirements, approval timelines, or financing options are illustrative unless expressly identified otherwise and supported by current, applicable disclosures.

Actual loan terms and eligibility may depend on factors including:

• Credit history and creditworthiness.
• Income, assets, liabilities, and employment.
• Property type, value, occupancy, and location.
• Loan-to-value ratio and debt-to-income ratio.
• Lender underwriting standards and program guidelines.
• Applicable laws, regulations, and market conditions.

Submitting an inquiry or application does not guarantee loan approval, a specific interest rate, a closing date, or any other financing outcome. Only an authorized lender or financial institution can make decisions within its authority regarding a particular loan application.

4. No Financial, Legal, Tax, or Investment Advice

Information on this Website is not intended to constitute individualized financial, legal, tax, accounting, or investment advice. Real estate purchases, mortgage transactions, commercial financing, and investment decisions involve risks and circumstances that vary by individual.

You should consult qualified professionals, including attorneys, tax advisors, financial advisors, and other appropriate specialists, before making decisions based on information presented on this Website. Past market performance, illustrative calculations, estimated returns, and projected savings do not guarantee future results.

5. Real Estate Information

Property listings, descriptions, photographs, rental information, market data, and other real estate materials may be provided by third parties or obtained from sources believed to be reliable. We do not guarantee that such information is complete, accurate, current, or free of errors.

Property availability, pricing, measurements, rental terms, taxes, zoning, and other details may change without notice. Interested parties should independently verify material information before entering into a transaction.

Nothing on this Website constitutes a binding offer to sell, purchase, lease, or otherwise transfer an interest in real property. A real estate transaction is subject to the applicable agreements, disclosures, due diligence, and legal requirements.

6. No Professional Relationship Created by Website Use

Viewing this Website, submitting a general inquiry, or communicating through an ordinary contact form does not, by itself, establish an attorney-client relationship, financial advisory relationship, lender-borrower relationship, brokerage agency relationship, or other formal professional relationship.

Any such relationship must be established separately through the applicable agreements, disclosures, authorizations, and legal requirements. Representation, agency, lender participation, and service responsibilities depend on the specific transaction and the parties involved.

7. Third-Party Services and Links

This Website may include links to external websites, loan application platforms, real estate listing services, banks, mortgage lenders, insurance providers, payment services, social media platforms, and other third-party resources.

These services are operated independently and may be governed by separate terms, privacy policies, eligibility requirements, and procedures. We do not control or guarantee the availability, accuracy, security, or performance of third-party services. We are not responsible for their independent content, policies, or practices, except to the extent responsibility cannot be excluded under applicable law.

Your use of an external service is subject to the terms and conditions of that service.

8. User Submissions and Communications

When you submit information through the Website, you agree that the information you provide is accurate to the best of your knowledge and that you are authorized to provide it.

You agree not to:

• Submit false, misleading, fraudulent, or unlawful information.
• Impersonate another person or misrepresent your identity.
• Submit information that infringes another person's rights.
• Use the Website to transmit malicious software or harmful code.
• Attempt to gain unauthorized access to the Website or its systems.
• Use the Website for unlawful, abusive, or fraudulent purposes.

Please do not submit Social Security numbers, passwords, tax returns, bank account credentials, or other sensitive financial documents through ordinary contact forms or unencrypted email. Use a designated secure application platform when instructed.

Your submission of an inquiry does not create an obligation for us or any third party to provide services.

9. Electronic Communications and Consent

When you contact us electronically, you consent to receive communications reasonably related to your inquiry through the contact method you provide, subject to applicable law.

Marketing emails, promotional text messages, automated calls, and other regulated communications may require separate consent. Where consent is required, we will seek the appropriate consent before sending such communications. You may opt out of marketing communications using the available unsubscribe or opt-out instructions.

Consent to receive marketing communications is not a condition of purchasing a product or service where prohibited by law.

10. Intellectual Property

Unless otherwise stated, the Website's original text, branding, graphics, design elements, and other content are owned by us or used with permission and are protected by applicable intellectual property laws.

You may view and use the Website for personal, informational, and legitimate business inquiry purposes. You may not reproduce, distribute, modify, republish, commercially exploit, or create derivative works from protected Website content without prior written permission, except where permitted by law.

Third-party trademarks, logos, photographs, and materials remain the property of their respective owners.

11. Website Availability and Changes

We may modify, update, suspend, or discontinue any part of the Website at any time, with or without notice, subject to applicable law. We do not guarantee uninterrupted access, error-free operation, or continuous availability of all content and features.

We may correct errors, update service descriptions, revise information, or remove outdated material without prior notice.

12. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.

We make no express or implied warranties regarding the Website's availability, accuracy, completeness, reliability, fitness for a particular purpose, or non-infringement, except where such warranties cannot lawfully be excluded. We do not warrant that the Website will be free of errors, interruptions, harmful components, or security vulnerabilities.

Nothing in these Terms excludes any rights or warranties that cannot be excluded under applicable law.

13. Limitation of Liability

To the maximum extent permitted by applicable law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of, or inability to use, this Website.

This limitation includes, where legally permissible, losses arising from reliance on general website information, third-party content, website interruptions, or transactions independently entered into with third parties.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.

14. Indemnification

To the extent permitted by applicable law, you agree to be responsible for claims, liabilities, damages, and reasonable expenses arising directly from your unlawful use of the Website, your material violation of these Terms, or your infringement of another person's rights.

This provision does not require you to indemnify us for our own conduct where such indemnification is prohibited by law.

15. Privacy

Your use of the Website is also subject to our Privacy Policy, which describes how personal information may be collected, used, disclosed, and protected.

Please review our Privacy Policy. Where these Terms and the Privacy Policy address different subjects, each applies to its respective subject matter. Applicable legal requirements take precedence over inconsistent provisions.

16. Compliance with Applicable Laws

Your use of the Website must comply with all applicable federal, state, and local laws and regulations.

Real estate brokerage, mortgage lending, financial services, insurance, advertising, and consumer communications may be subject to additional licensing, disclosure, and regulatory requirements. Nothing in these Terms authorizes any person to conduct a regulated activity without the required licenses, registrations, approvals, or other legal authority.

17. Governing Law and Disputes

These Terms and Conditions will be governed by the laws applicable to the relevant parties and transaction, without regard to conflict-of-law principles, to the extent permitted by law.

Any dispute relating to the Website will be handled in a court of competent jurisdiction, subject to applicable law and any separate agreement governing the relevant relationship or transaction. Nothing in this section limits consumer rights or mandatory legal protections that apply in a particular jurisdiction.

18. Changes to These Terms

We may revise these Terms and Conditions from time to time to reflect changes in our Website, services, business practices, or applicable laws. Updated Terms will be posted on this page with a revised Effective Date.

Your continued use of the Website after revised Terms are posted constitutes acceptance of those revisions to the extent permitted by applicable law.

19. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

20. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any applicable notices or agreements specifically governing a service or transaction, constitute the terms applicable to your use of this Website.

Separate signed agreements, lender disclosures, brokerage agreements, and other transaction-specific documents may govern particular services and take precedence where applicable.

21. Contact Information