​TERMS OF USE

Grace Modern Mortgage — Terms of Use

 

Last Revised: August 30, 2026

These Terms of Use govern your access to the Grace Modern Mortgage website and related services. They are intended to protect both you and Grace Modern Financial LLC. Some sections apply only to users who create accounts, book appointments, submit content, or use our mortgage services.

 

 1. Who We Are and Acceptance

Grace Modern Financial LLC, doing business as Grace Modern Mortgage, operates this website and provides mortgage-broker services and related educational information.

By using this website, creating an account, booking an appointment, submitting information, or engaging our services, you agree to these Terms. If you use the website for a company or other organization, you confirm that you have authority to bind that organization.

 These Terms are the agreement between you and Grace Modern Financial LLC when you use the website or our services.

 

2. Eligibility

People of any age may browse the website. However, only adults with legal capacity may enter into agreements, submit applications, book services, or otherwise engage our mortgage services. A parent or legal guardian is responsible for a minor’s use of the website.

 

3. Accounts

Some features may require an account. You are responsible for providing accurate information and keeping your login details secure. You must promptly notify us of unauthorized account use.

We may restrict or suspend access when reasonably necessary to protect the website, users, or our business, including when an account violates these Terms or applicable law.

Keep your account information accurate and secure, and do not let others misuse your account.

 

4. Acceptable Use

 

You may not use the website to:

 

- Break the law or violate another person’s rights;
- Impersonate someone or falsely claim an affiliation;
- Access another person’s account or information without permission;
- Scrape, copy, or extract website data through unauthorized means;
- Introduce malware or interfere with website security;
- Reverse engineer or attempt to bypass website controls;
- Submit unlawful, threatening, abusive, misleading, or infringing material; or
- Help anyone else do these things.

5. Our Content

The website’s text, graphics, branding, design, and other materials belong to Grace Modern Financial LLC or are used with permission. You may view them for personal or legitimate business purposes connected with using our website.

You may not copy, modify, distribute, sell, or reuse our content without our written permission.

 

6. Your Content

 

If you submit a review, comment, form response, document, image, or other material, you retain ownership of it. You give us permission to host, display, reproduce, and use it as reasonably necessary to operate and promote the website and provide our services.

You confirm that you have the rights needed to submit the material and that it does not violate anyone’s rights or applicable law.

We review user posts before they appear publicly. We may decline to publish or remove content that is unlawful, misleading, abusive, confidential, invasive of privacy, or inconsistent with these Terms.

If we remove your content, you may contact us by email to discuss the decision.

 

 You keep ownership of what you submit, but you must have permission to share it and we may refuse or remove inappropriate content.

 

 7. Mortgage Services and Informational Content

Our mortgage services may include education, loan comparisons, application assistance, and broker-related support. Availability, eligibility, rates, terms, and approval decisions depend on applicable lender requirements and your individual circumstances.

Website content is for general educational purposes and is not a guarantee of approval, a commitment to lend, tax advice, legal advice, investment advice, or financial advice tailored to your situation. No professional relationship is created merely because you browse the website or read its content.

You should consult qualified professionals before making significant financial, legal, or tax decisions.

 

8. Appointments and Cancellations

Appointments may be subject to availability and the details shown when you book.

You may cancel an appointment without a cancellation charge up to 24 hours before the scheduled time. We do not charge a no-show fee. Rescheduling may depend on availability.

 

9. Third-Party Services

The website may link to or rely on third-party services, websites, lenders, providers, or platforms. Their own terms and privacy practices may apply.

We are not responsible for third-party services that we do not control, including their availability, content, security, or decisions.

 

10. Changes to the Website or Services

We may change, suspend, or discontinue website features, content, appointment availability, or aspects of our services. We will not use this right to remove rights that you have already acquired under a completed agreement.

 

11. Availability and Disclaimers

The website and its content are provided on an “as available” basis. We do not guarantee that the website will always be uninterrupted, error-free, secure, or available.

To the extent permitted by law, we disclaim implied warranties. Nothing in these Terms excludes or limits rights or remedies that cannot legally be excluded or limited.

 

12. Limitation of Liability

To the fullest extent permitted by law, Grace Modern Financial LLC will not be liable for indirect, incidental, special, consequential, or punitive losses arising from your use of the website or services.

Our total liability for claims arising from the website or services will not exceed the amount you paid us for the relevant services during the 12 months before the event giving rise to the claim.

These limits do not apply to liability that cannot legally be limited, including liability for death or personal injury caused by negligence, fraud, willful misconduct, or violation of mandatory consumer rights.

 

13. Indemnification for Business Users

If you use the website or services for a business, you agree to reimburse Grace Modern Financial LLC for reasonable losses, claims, and expenses arising from your unlawful use of the website, your violation of these Terms, or material you submitted that infringes another person’s rights.

This section does not limit protections that apply to consumers.

 

14. Ending Access

You may stop using the website at any time. We may restrict or end access when reasonably necessary because of a violation of these Terms, legal requirements, security concerns, or changes to the website.

Sections concerning intellectual property, user content, disclaimers, liability limits, indemnification, disputes, and any provisions that should naturally continue will remain effective after access ends.

 

15. Governing Law and Disputes

Florida law governs these Terms, except where mandatory law requires otherwise.

The courts located in Florida will have jurisdiction over disputes, subject to any consumer’s non-waivable right to bring a claim in another court or under another law where required.

 

16. Changes to These Terms

We may update these Terms when our website, services, or legal obligations change. We will provide reasonable notice of material changes and may require you to accept the updated Terms before continuing to use certain features.

The revised Terms will apply from their stated effective date and will not retroactively change rights that already arose.

 

17. Contact Us

For questions, complaints, appointment matters, or concerns about submitted content, contact:

Grace Modern Financial LLC  
Email: **jsaintilien@gracemodernfinancial.com**  
Address: **11820 Miramar Parkway, Suite S4-207, Miramar, Florida 33025**

 

18. General Terms

If any provision is found unenforceable, the remaining provisions will continue to apply. These Terms, together with any agreements or policies expressly incorporated into them, form the agreement between you and us concerning the website.

You may not transfer your rights or obligations under these Terms without our written consent. We may transfer these Terms as part of a merger, reorganization, or transfer of the relevant business.

 

19. Privacy

Our handling of personal information is described in our [Privacy Policy](https://www.gracemodernmortgage.com/privacypolicy). By using the website, you acknowledge that the Privacy Policy applies to your use of the website and services.

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