Please read these Terms and Conditions ("Terms") carefully before using the Reverse Mortgage Planet website ("Site") and services ("Service"). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.
Acceptance of Terms
By submitting information through our Site, you confirm that you are at least 62 years of age (or submitting on behalf of someone who is), that you are a U.S. resident, and that you agree to these Terms and our Privacy Policy.
Description of Services
Reverse Mortgage Planet is a lead-generation and referral platform that connects homeowners 62+ with licensed HECM (Home Equity Conversion Mortgage) specialists, lenders, and HUD-approved counselors. We do not originate, underwrite, or fund mortgage loans. We do not provide financial, legal, or tax advice.
Eligibility
Our services are intended for U.S. homeowners who are 62 years of age or older and who own their primary residence. By using our Site, you represent and warrant that you meet these requirements.
User Obligations
You agree to:
- Provide accurate, current, and complete information when submitting our forms.
- Not use our Site for any unlawful purpose or in violation of these Terms.
- Not submit false or misleading information.
- Not attempt to interfere with the proper functioning of our Site.
- Consent to receive communications from our licensed partner companies by phone, email, or mail.
Limitation of Liability
To the fullest extent permitted by law, Reverse Mortgage Planet, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our Site or services, including but not limited to any loan terms offered by partner companies, any financial decisions made based on information on our Site, or any failure of a partner to perform.
Our total aggregate liability to you for any claim arising under these Terms shall not exceed $100.
Disclaimer of Warranties
Our Site and services are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our Site will be uninterrupted, error-free, or that any defects will be corrected.
We make no representations or guarantees about the reverse mortgage products, rates, terms, or availability offered by our partner companies.
Third-Party Partners
When you submit our form, your information is shared with one or more licensed third-party partners. We are not responsible for the actions, omissions, products, or services of these partners. Any agreements you enter into with partner companies are solely between you and them.
We strongly encourage you to complete the required HUD-approved counseling session and to compare offers from multiple lenders before making any decision.
Intellectual Property
All content on this Site, including text, graphics, logos, and software, is the property of Reverse Mortgage Planet or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in Wilmington, Delaware, unless prohibited by applicable law.
Contact Us
If you have any questions about these Terms, please contact us at support@reversemortgageplanet.com or visit our Contact Us page.