Terms of Service

Unik Filen grants you a limited, revocable, non-exclusive license to access and use the website for your personal, non-commercial use, subject to these Terms. This includes viewing information about mortgage products, accessing educational content, and utilizing our contact forms for inquiries.

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Modifying, copying, distributing, transmitting, displaying, performing, reproducing, publishing, licensing, creating derivative works from, transferring, or selling any information, software, products, or services obtained from the website.
• Using the website in any manner that could damage, disable, overburden, or impair the Unik Filen server, or the network(s) connected to any Unik Filen server, or interfere with any other party's use and enjoyment of the website.
• Attempting to gain unauthorized access to any part of the website, other accounts, computer systems, or networks connected to any Unik Filen server or to any of the services, through hacking, password mining, or any other unauthorized means.
• Introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful.
• Scraping, crawling, or using any automated means to access or collect data from the website without our express prior written permission.

User Accounts and Responsibilities

If you create an account on our website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You agree to notify Unik Filen immediately of any unauthorized use of your account or any other breach of security.

The information provided on the Unik Filen website is for general informational and educational purposes only and is not intended as financial, legal, or mortgage advice. While we strive to provide accurate information, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Unik Filen, nor its directors, employees, partners, agents, suppliers, 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 Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; 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, and even if a remedy set forth herein is found to have failed of its essential purpose.

'As Is' Service Provision

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

These Terms shall be governed and construed in accordance with the laws of the State of [Your State, e.g., California] in the United States, 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.

Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of the website shall be resolved through binding arbitration in [Your State, e.g., California], in accordance with the rules of the American Arbitration Association, rather than in court. Judgment on the award rendered by the arbitrator(s) may be entered in any court having competent jurisdiction. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of that party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.