Effective Date: [January 1, 2025]
These Terms and Conditions (“Terms”) govern your access to and use of the website located at www.veterandpa.com (the “Site”) and any forms, pages, tools, content, text-message programs, calls, emails, and other services offered through or in connection with the Site (collectively, the “Services”). By accessing or using the Site or Services, you agree to these Terms.
If you do not agree, do not use the Site or Services.
1) Who We Are and What This Site Does
VeteranDPA.com is a lead-generation and informational website intended to help users explore homeownership-related topics, including potential down payment assistance and home financing education, and to request follow-up from a housing/real estate professional or related service provider.
Important: The Site is not a lender, mortgage broker, loan originator, bank, or government agency, unless explicitly stated otherwise on the Site. The Site does not provide legal, tax, or financial advice.
2) No Government Affiliation
Unless explicitly stated, VeteranDPA.com is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs (VA), HUD, or any federal/state/local government agency. Use of words such as “veteran,” “VA,” or similar is for informational/marketing purposes only.
3) Eligibility and User Responsibilities
By using the Site, you represent that:
- You are at least 18 years old (or the age of majority in your jurisdiction).
- The information you submit is accurate, current, and complete.
- You will not use the Site for unlawful, fraudulent, abusive, or harmful purposes.
You agree not to:
- Attempt to gain unauthorized access to systems or data.
- Interfere with Site operation (e.g., malware, scraping, denial-of-service).
- Misrepresent your identity or submit information on behalf of others without permission.
4) Informational Purposes Only; No Guarantees
All information on the Site is provided for general informational purposes and may not be current, complete, or applicable to your situation.
You understand and agree that:
- Program availability, eligibility, benefits, rates, and terms can change and depend on many factors (income, credit, property type, location, funding availability, and lender/program rules).
- We do not guarantee that you will qualify for any loan, grant, assistance program, interest rate, or specific benefit.
- Any estimates, examples, calculators, or “likely eligible” indicators are not a commitment, offer, approval, or underwriting decision.
5) Leads, Referrals, and Third Parties
When you submit your information, you are requesting to be contacted. We may connect you with one or more third parties (for example, mortgage professionals, real estate professionals, or other housing-related service providers) who may contact you to discuss your inquiry.
You acknowledge:
- Third parties are independent and may have their own policies, licensing, and terms.
- We are not responsible for third-party services, advice, offers, or outcomes.
- You should independently verify licensing, credentials, and terms before proceeding with any transaction.
6) Consent to Contact (Calls, Texts, Emails) — Important
By providing your phone number and/or email address through the Site, you expressly consent to be contacted at the number/email you provide, including via:
- phone calls (including pre-recorded/artificial voice where permitted),
- SMS/text messages (including automated dialing systems where permitted),
- emails and other electronic communications,
for purposes related to your inquiry, including follow-up about home buying, financing, down payment assistance, and related services.
Message and data rates may apply. Message frequency varies.
Opt-Out
- Texts: Reply STOP to opt out of SMS messages (reply HELP for help where applicable).
- Emails: Use the unsubscribe link (if provided) or email us to request removal.
- Calls: Tell the caller you wish to be placed on a do-not-call list.
Opting out may limit our ability to provide requested Services.
7) Privacy
Your use of the Site is also subject to our Privacy Policy. If a Privacy Policy link is provided on the Site, it is incorporated into these Terms by reference. If there is any conflict between these Terms and the Privacy Policy regarding personal information, the Privacy Policy governs.
8) Intellectual Property
The Site and its content (including text, graphics, logos, videos, design, and software) are owned by or licensed to VeteranDPA.com and are protected by intellectual property laws. You may view and print pages for personal, non-commercial use only.
You may not copy, reproduce, modify, distribute, or create derivative works from Site content without prior written permission.
9) Testimonials and Results May Vary
Testimonials, examples, and success stories (if any) reflect individual experiences and are not guarantees of results. Your results may vary based on personal and market factors.
10) Fair Housing
We support fair housing and do not discriminate on the basis of race, color, religion, sex, handicap/disability, familial status, national origin, or any other status protected by applicable law.
11) Prohibited Use
You agree not to use the Site:
- in violation of any law or regulation,
- to submit false, misleading, or defamatory content,
- to transmit malware or harmful code,
- to harvest data or attempt to reverse engineer the Site.
12) Disclaimers
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, secure, error-free, or free from viruses or other harmful components.
13) Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, VETERANDPA.COM AND ITS OWNERS, AFFILIATES, AGENTS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR SERVICES.
To the extent liability cannot be excluded, our total liability for any claim will not exceed the amount you paid to use the Services (if any) or $100, whichever is greater.
14) Indemnification
You agree to indemnify and hold harmless VeteranDPA.com and its owners, affiliates, agents, and service providers from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to your use of the Site, your violation of these Terms, or your violation of any rights of another.
15) Changes to the Site or Terms
We may update the Site, Services, or these Terms at any time. The “Effective Date” will reflect the latest revision. Your continued use after changes become effective constitutes acceptance of the revised Terms.
16) Governing Law and Venue
These Terms are governed by the laws of the State of Maryland, without regard to conflict-of-law principles. Any dispute arising out of or related to these Terms or the Site will be brought in the state or federal courts located in Maryland, unless otherwise required by applicable law.
17) Severability
If any provision of these Terms is deemed unlawful, void, or unenforceable, the remaining provisions will remain in full force and effect.
18) Entire Agreement
These Terms (and any policies incorporated by reference, including a Privacy Policy) constitute the entire agreement between you and VeteranDPA.com regarding your use of the Site and Services and supersede any prior or contemporaneous understandings.
19) Contact Us
If you have questions about these Terms or wish to opt out of communications, contact:
VeteranDPA.com
1850 York Road, Ste I
Timonium, MD 21093
Email: info@veterandpa.com