Terms of Use

1. Nature of Services Described

2. Acceptance of Terms

3. Intellectual Property

This website provides general information about mortgage products, programs, and services offered through UA Financial as a Florida-licensed mortgage broker. The information published on this website is for general informational purposes only and does not constitute a loan commitment, pre-approval, or guarantee of any specific loan product, interest rate, or financing terms.

All mortgage transactions are subject to credit approval, underwriting review, property appraisal, lender requirements, and applicable law. Rates, programs, and product availability are subject to change without notice and may not be available in all situations.

These Terms of Use ("Terms") govern your access to and use of the website located at www.uafins.com and all related pages, content, and digital services operated by United American Financial, LLC, doing business as UA Financial ("UA Financial," "we," "us," or "our"). By accessing this website, you agree to be bound by these Terms. If you do not agree, please discontinue use of this website immediately.

These Terms are in addition to, and do not replace, any other agreements you may have with UA Financial in connection with the provision of mortgage brokerage services.

All content on this website, including but not limited to text, graphics, logos, images, icons, design elements, and the overall look and feel of the site (collectively, the "Content"), is the property of UA Financial or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, transmit, display, or create derivative works from any Content without the express prior written permission of UA Financial.

The UA Financial name, logo, and all related marks are trademarks or service marks of United American Financial, LLC. Nothing in these Terms grants you any right or license to use any trademark without prior written consent.

4. Permitted Use

5. User-Submitted Information

6. Third-Party Link & Resources

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use this website for your personal, non-commercial purposes in connection with evaluating or obtaining mortgage services from UA Financial. This license does not permit you to:

Copy, scrape, reproduce, or systematically extract content from this website
Use automated tools, bots, or crawlers to access or index this website
Frame or mirror any portion of this website without our express written consent
Attempt to gain unauthorized access to any portion of this website or its systems
Use this website for any unlawful purpose or in violation of any applicable law or regulation
Transmit any unsolicited commercial communications through this website

When you submit information through any form, application, chat feature, or communication channel on this website, you represent that all information provided is accurate, complete, and current. You acknowledge that providing false, misleading, or incomplete information in connection with a mortgage application may constitute fraud and may result in legal consequences.

By submitting personal and financial information through this website, you consent to the collection, use, and sharing of that information as described in our Privacy Policy.

This website may contain hyperlinks to third-party websites, portals, or resources that are not owned or controlled by UA Financial. We provide such links for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, products, or services of any third-party website. Your use of any third-party site is at your own risk and subject to that site's terms and conditions.

This website may also provide links to or integrate with third-party tools such as loan origination portals, scheduling platforms, and electronic communication services. Your use of such tools is governed by the respective provider's terms of service, and UA Financial is not responsible for the operation, security, or availability of such third-party services.

7. No Warranty

8. Limitation of Liability

9. Indemnification

THIS WEBSITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. UA FINANCIAL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that this website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any content on this website.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UA FINANCIAL, ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THIS WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claim arising from your use of this website shall not exceed the amount paid by you, if any, for services directly at issue during the twelve (12) months preceding the claim.

You agree to indemnify, defend, and hold harmless UA Financial and its members, officers, employees, agents, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of this website; (b) your violation of these Terms; (c) your violation of any applicable law or third-party right; or (d) any information you submit through this website.

10. Privacy

11. Governing Law & Dispute Resolution

12. Modifications

Your use of this website is also governed by our Privacy Policy, Cookie Notice, and SMS / Mobile Messaging Terms, each of which is incorporated into these Terms by reference. Please review those documents carefully.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising out of or related to these Terms or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida.

UA Financial reserves the right to modify these Terms at any time at its sole discretion. Changes will be effective upon posting to this website with an updated effective date. Your continued use of this website after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Contact

For questions regarding these Terms of Use, please contact us at:

UNITED AMERICAN FINANCIAL, LLC (DBA UA Financial)

3301 Ponce de Leon Blvd, Suite 210, Coral Gables, FL 33134

Email: info@uafins.com | Phone: 305-833-4254

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.