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Terms of Service

Effective date: January 1, 2025

1. Acceptance of Terms

By accessing or using midnorthkey.com (the "Site") and our services, you agree to these Terms of Service. If you do not agree, do not use this Site.

2. Service Description

MidNorth Key is an online matching and referral service that connects consumers seeking mortgage and home loan products with licensed third-party lenders, brokers, and financial service providers. We are not a lender, broker, or financial advisor. We do not originate loans, make credit decisions, or guarantee approval, terms, or rates.

3. No Lender Disclaimer

MidNorth Key does not provide loans or financial products directly. All loan products, rates, fees, and terms are provided by third-party lenders. Approval, rates, and terms depend on the lender's evaluation of your application and creditworthiness. Rates displayed on our Site are illustrative only and not a guarantee of actual rates available to you.

4. Eligibility

To use our services, you must be at least 18 years old and a U.S. resident. By submitting our form, you represent and warrant that all information you provide is true, accurate, complete, and current.

5. Consent to Be Contacted

By submitting your information, you provide express written consent for MidNorth Key, our partners, and affiliated lenders to contact you by phone (including via automatic telephone dialing systems and prerecorded or artificial voice messages), email, and text message regarding mortgage and home loan products. Consent is not a condition of any purchase. Standard message and data rates may apply. You may opt out at any time.

6. User Responsibilities

You agree not to:

7. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of MidNorth Key or its licensors and is protected by intellectual property laws. You may not reproduce, modify, or distribute any content without written permission.

8. Third-Party Links

Our Site may contain links to third-party websites. We do not control and are not responsible for the content, privacy practices, or terms of those sites. Use them at your own risk.

9. Disclaimer of Warranties

The Site and services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or that any information will be accurate or complete.

10. Limitation of Liability

To the fullest extent permitted by law, MidNorth Key, its officers, directors, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, arising out of or related to your use of the Site or services. Our total liability will not exceed one hundred U.S. dollars ($100).

11. Indemnification

You agree to indemnify and hold harmless MidNorth Key from any claims, losses, damages, liabilities, and expenses (including legal fees) arising out of your use of the Site, your breach of these Terms, or your violation of any law or third-party rights.

12. Arbitration & Class Action Waiver

Any dispute arising out of or relating to these Terms or the Site will be resolved by binding individual arbitration in accordance with the rules of the American Arbitration Association. You waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Governing Law

These Terms are governed by the laws of the United States and the State of Delaware, without regard to conflict-of-law principles.

14. Changes to Terms

We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the new Terms. Check the effective date at the top for the latest version.

15. Contact

Questions about these Terms? Contact us at info@midnorthkey.com