Acceptance
By using travis.mortgage, travispenny.com, or any related page (the "Site"), you agree to these Terms of Use. If you do not agree, please do not use the Site.
Acceptable use
You agree to use the Site only for lawful purposes. You may not interfere with the Site, attempt to access systems you are not authorized to use, scrape content at scale, or submit false information through any form. We may suspend or block access at our discretion.
Intellectual property
All content on the Site, including text, graphics, photos, logos, the "Home Loan GOAT" name and brand mark, layout, and code, is owned by Travis Penny or its licensors and is protected by United States and international copyright, trademark, and other laws. You may view and print pages for personal, noncommercial use. Any other use, including reproduction, modification, distribution, or republication, requires our prior written consent.
No warranty of accuracy
The Site is provided "as is" and "as available." We do not warrant that the Site will be error free, uninterrupted, or current. We make reasonable efforts to keep information accurate, but rates, programs, eligibility rules, and regulatory information change frequently. Always confirm specific scenarios with us before relying on anything you read here.
Not an offer to lend
Nothing on the Site is an offer to lend, an offer of credit, or a commitment to make a loan. All loans are subject to credit and underwriting approval. Receipt of an inquiry, lead form, or contact through this Site does not create a lender, broker, or agent relationship until we agree in writing.
Third party links
The Site may link to third party sites. We do not control those sites and are not responsible for their content, security, or privacy practices.
Limitation of liability
To the fullest extent permitted by law, Travis Penny and Vision Mortgage, LLC are not liable for any indirect, incidental, special, or consequential damages arising out of your use of the Site.
Governing law
These Terms are governed by the laws of the State of Maine, without regard to its conflict of laws rules. Any dispute related to these Terms or the Site is subject to the exclusive jurisdiction of the state and federal courts located in Cumberland County, Maine.
Informal dispute resolution first
Before filing any formal legal action, you agree to first contact us in writing at travis@travis.mortgage with a clear description of the issue. We agree to work in good faith for at least 30 days to resolve the dispute informally before either party starts a formal proceeding.
Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions stay in full effect.
Changes
We may update these Terms from time to time. The "Last updated" date below shows when they were last changed. Continued use of the Site after changes means you accept the updated Terms.
Last updated: [INSERT_DATE]