1. Acceptance of Terms

By accessing or using www.lowercoralgables.com ("the Website") and its associated services, you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use immediately. We reserve the right to update these terms at any time — continued use of the Website constitutes acceptance of any changes.

2. Our Services

Our services include the Website and all related functions, including mortgage and real estate services, agent communication, email, phone, and text messaging. Services are intended for personal, non-commercial use only and are not available to users under the age of 13.

Important — Communication Consent: By submitting our contact form or creating an account, you expressly consent to being contacted by phone, email, SMS/MMS, automated voice systems, and AI-generated messages. Message and data rates may apply. You consent to this even if your number is registered on a Federal or State Do Not Call list. To opt out: reply STOP to any text, click Unsubscribe in any email, or contact us directly.

3. Privacy Policy

Our Privacy Policy is incorporated into these Terms by reference. Please review it at lowercoralgables.com/privacy-policy.

4. Account Security

If you create an account, you are responsible for maintaining the confidentiality of your login credentials and all activity under your account. Notify us immediately of any unauthorized use or security breach. Do not use another person's account without their express permission.

5. Acceptable Use

You agree not to use our services to:

• Post or transmit unlawful, defamatory, obscene, threatening, or harassing content

• Upload files containing viruses, malware, or any code that damages our systems or others'

• Gain unauthorized access to our network, servers, or data

• Impersonate others or harvest personal information (phishing)

• Violate any applicable local, state, or federal laws

We reserve the right to remove any content that violates these terms at our sole discretion.

6. Termination

We reserve the right to suspend or terminate your access to our services at any time, without notice, if we believe you have violated these Terms. We may also discontinue any part of our services at any time without liability.

7. Third-Party Links

Our Website may contain links to third-party websites. These links are provided for convenience only and do not constitute an endorsement. We are not responsible for the content or availability of any third-party sites.

8. Intellectual Property

All content on this Website — including design, text, graphics, and software — is protected by copyright and applicable intellectual property laws. You may not copy, reproduce, or distribute any content without prior written consent. You are granted a limited, non-exclusive license to view and print content for personal use only.

9. Disclaimer of Warranties

USE OF THIS WEBSITE IS AT YOUR OWN RISK. THE SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE OR ITS SERVICES. NOTHING IN THESE TERMS LIMITS OUR LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE.

11. Indemnification

You agree to indemnify and hold harmless Lower Mortgage – Coral Gables Branch, its officers, and employees from any claims, damages, or expenses arising from your use of the services or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the State of Florida. If any provision is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13. Contact Us

Questions about these Terms? Reach us at: 📍 2000 Ponce de Leon Blvd., Suite 509E, Miami, FL 33134 📧 bchamorro@lower.com