1. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our services. By using our platform, you represent and warrant that you meet these requirements.

2. Services Provided

Elite Mortgage JV operates as a referral-based joint venture program, connecting individuals and businesses with licensed mortgage professionals. We do not originate loans, offer mortgage products, or provide financial services directly.

To participate in the referral program, a non-refundable $49 application fee is required. This fee covers administrative processing and initial referral coordination.

By submitting the application and fee, you acknowledge and agree that:

- Elite Mortgage JV is not a lender, broker, or financial advisor.

- All financial services are provided solely by third-party licensed partners.

- The $49 fee does not guarantee approval, outcomes, or any specific service beyond the referral introduction.

3. Use of the Platform

You agree to use our website and services only for lawful purposes. You may not:

- Violate any applicable laws or regulations

- Infringe on intellectual property rights

- Distribute harmful code (e.g., viruses, malware)

- Attempt to access restricted areas or data

- Misrepresent your identity or affiliations

We reserve the right to suspend or terminate your access if you violate these terms.

4. Intellectual Property

All content, branding, logos, text, graphics, and software are the property of Elite Mortgage JV or our licensors and are protected by copyright, trademark, and other laws. You may not use, reproduce, or distribute any part of our content without prior written permission.

5. Third-Party Links and Tools

Our platform may include links to third-party websites or tools. We do not control or endorse these services and are not responsible for their content, accuracy, or practices. Your use of third-party tools is at your own risk and subject to their terms.

6. No Guarantees or Financial Advice

Elite Mortgage JV does not guarantee results from using our marketing services or participating in JV programs. We do not provide financial, legal, or tax advice. Any decisions based on our services should be made in consultation with licensed professionals.

7. Limitation of Liability

To the fullest extent permitted by law, Elite Mortgage JV shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our services. This includes but is not limited to loss of profits, business interruption, or data loss.

8. Indemnification

You agree to indemnify and hold harmless Elite Mortgage JV, its affiliates, partners, employees, and agents from any claims, liabilities, damages, and expenses (including attorneys’ fees) arising from your violation of these Terms or your use of the services.

9. Changes to Terms

We may update these Terms from time to time. When we do, we will revise the "Effective Date" at the top of this page. Continued use of the platform after changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of laws principles.

11. Contact Us

If you have any questions or concerns regarding these Terms, please contact us.

12. Fees and Payments

Participation in our referral program requires a one-time, non-refundable $49 application fee. This fee must be paid in full at the time of application.

- Payment is processed securely through our website.

- No refunds will be issued once the application has been submitted, regardless of referral outcome.

- We do not charge any ongoing subscription or commission fees.