Terms of Service — KeysToApproval

1. Who We Are

KeysToApproval ("KeysToApproval," "we," "us," or "our") publishes educational content about mortgages, home buying, and refinancing across social media and this website. KeysToApproval is a marketing and media brand — it is not a mortgage lender, broker, or bank, does not originate loans, and does not guarantee approval, rates, or terms for any loan product.

2. Use of This Site

This site lets you request a free consultation about your mortgage needs. By submitting the consultation request form, you represent that the information you provide is accurate and that you are requesting to be contacted about mortgage products and services. We may connect you with licensed mortgage professionals or partners to follow up on your request.

3. Consent to Be Contacted

If you submit the consultation form, you consent to receive calls, text messages, and emails — including via automated systems — from us and our mortgage partners at the contact information you provide, regarding mortgage products and services. Consent is not a condition of purchase, and message/data rates may apply. You can revoke consent at any time by contacting us at the address below.

4. Content Is Informational Only

Articles, videos, and social media posts published by KeysToApproval — including content that is AI-assisted or AI-generated — are for general educational purposes only and are not individualized financial, legal, or tax advice. Mortgage rates, eligibility, and terms vary by lender and by your individual circumstances; always confirm current terms directly with a licensed mortgage professional before making a decision.

5. Third-Party Platforms and Links

We maintain accounts on third-party platforms (including TikTok, Instagram, Facebook, and YouTube). Your use of those platforms is governed by their own terms of service, not this one. This site may also link to third-party resources we do not control and are not responsible for.

6. Intellectual Property

All content on this site and on our social media accounts — including text, graphics, video, and the KeysToApproval name and logo — is owned by us or our licensors and may not be copied, reproduced, or redistributed without our prior written permission.

7. Limitation of Liability

To the fullest extent permitted by law, KeysToApproval is not liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on content we publish. This site and its content are provided "as is" without warranties of any kind.

8. Changes to These Terms

We may update these Terms of Service from time to time. Continued use of this site after a change means you accept the updated terms.

9. Contact Us

Questions about these terms? Email us at mleadtest@gmail.com.

This is a general template and has not been reviewed by an attorney. Replace with compliance-approved terms before any broad public launch or paid advertising.