Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the website, services, and communications provided by Klutch Mortgage LLC ("Klutch Mortgage," "we," "us," or "our"), operated by PJ Le'Gre'Air (NMLS #186391), powered by Edge Home Finance (NMLS #891464).

By accessing or using our Site, submitting a form, opting in to communications, scheduling an appointment, or otherwise engaging with our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Site or services.

Description of Services

Klutch Mortgage LLC provides mortgage lending services including but not limited to:

• Home purchase financing (Conventional, FHA, VA, USDA, Jumbo)
• Refinancing services (Rate & Term, Cash-Out, VA IRRRL, FHA Streamline)
• Down payment assistance program navigation
• Investment property financing (DSCR, portfolio)
• Mortgage calculators and educational resources
• Consultation and pre-approval services

All mortgage loans are originated through Edge Home Finance (NMLS #891464). Klutch Mortgage LLC operates as a branch/DBA of Edge Home Finance. All lending is subject to credit approval and applicable federal and state regulations.

User Responsibilities

As a User of our Site and services, you agree to:

• Provide accurate, current, and complete information when filling out forms or applying for services
• Maintain the confidentiality of any account credentials you may create
• Promptly update your information if it changes
• Use our Site and services only for lawful purposes
• Not impersonate any person or entity or misrepresent your identity or affiliation

Acceptable Use

You agree not to:

• Use the Site in any way that violates applicable federal, state, or local law
• Attempt to gain unauthorized access to any portion of the Site or its systems
• Transmit any viruses, malware, or other harmful code
• Use automated systems (bots, scrapers) to access the Site without our express permission
• Interfere with or disrupt the integrity or performance of the Site
• Harvest or collect personal information of other Users

Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, videos, animations, software, and the compilation thereof, is the property of Klutch Mortgage LLC, Edge Home Finance, or their content suppliers and is protected by United States and international copyright laws. The "Klutch Mortgage" name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Klutch Mortgage LLC. You may not use such marks without our prior written permission.

Disclaimers

The information provided on this Site is for general informational purposes only. Nothing on this Site constitutes a commitment to lend. All mortgage loan applications are subject to credit approval and underwriting by Edge Home Finance. Interest rates, fees, and terms are subject to change without notice.

The mortgage calculators and tools on this Site are provided for estimation purposes only and do not constitute a loan offer, pre-approval, or guarantee of any specific rate or terms.

THIS SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

IN NO EVENT SHALL KLUTCH MORTGAGE LLC, PJ LE'GRE'AIR, EDGE HOME FINANCE, OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE; (III) ANY CONTENT OBTAINED FROM THE SITE; AND (IV) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

Indemnification

You agree to defend, indemnify, and hold harmless Klutch Mortgage LLC, PJ Le'Gre'Air, Edge Home Finance, and their respective officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

Termination

We may terminate or suspend your access to our Site and services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Site will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Changes to These Terms

Klutch Mortgage LLC reserves the right, at our sole discretion, to modify or replace these Terms at any time. When we do, we will revise the "Last Updated" date at the top of this page. By continuing to access or use our Site after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Site.

Platform & Communications Technology

Klutch Mortgage LLC uses GoHighLevel as its primary platform for customer relationship management, communication automation, form processing, appointment scheduling, and messaging services. By interacting with our Site, forms, or communication channels, you acknowledge that your data may be processed through this platform. Users may receive emails, phone calls, voicemail drops, and SMS text messages through this system, subject to their consent and the terms outlined in this document and our Privacy Policy.