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Terms of Use

Terms of Use Agreement

Welcome to The Reverse Advisor educational website (“Website”), operated by Kent Kopen, NMLS #249631 (“Proprietor”), a licensed loan officer with Nationwide Loans, Inc., NMLS#1799965. By accessing or using this Website and the content or services provided herein (“Services”), you (“User”) agree to comply with this Terms of Use Agreement (“Agreement”). Please read this Agreement carefully. If you do not agree to these terms, you must immediately discontinue use of the Website and refrain from downloading any information or accessing any Services provided by the Proprietor.

Permitted Use

Materials on this Website may be accessed, downloaded, and printed for personal and non-commercial use only. Modification, reproduction, public display, distribution, or performance of these materials for commercial purposes is prohibited without prior written approval.

By using this Website, you agree not to use any materials or information for any unlawful purpose or in violation of this Agreement, including accessing the Website from outside the United States or if you are under 18 years of age. Your permission to use the Website is automatically terminated if you violate any terms of this Agreement.

General Information Disclaimer

The information provided on this Website is for general purposes only and is not an exhaustive treatment of any subject. It is not intended as accounting, tax, legal, consulting, or professional advice. Users should consult their tax or legal advisors before making any decisions or taking action.

Use of this Website and its information is at your own risk. The information contained on this Website does not constitute a commitment to lend or extend credit. All loans are subject to credit and property approval, and information provided, including dates, is subject to change without notice.

Consent to Contact and Communication

By using this Website, you establish a business relationship with the Proprietor and consent to being contacted via telephone, email, and/or standard mail, even if your phone number is on a Do Not Call list. If you no longer wish to receive communications, please notify us directly.

No Offer or Commitment

Nothing on this Website constitutes an offer, promise, or commitment for a loan, loan commitment, or interest rate lock-in agreement of any kind. All loans are subject to credit and property approval.

Sharing of User Information

If you request a product or service, your information may be shared with business partners to fulfill your request. These partners may contact you using the contact information you provided, even if you choose not to use their services. To stop receiving communications from a business partner, please contact them directly.

User Certification

By using this Website, you certify that:

  1. You are at least 18 years old and a resident of, or located in, the United States.
  2. You assume full responsibility for any use of the Website by minors.
  3. All information you provide to the Proprietor is accurate and complete.
  4. Your use of the Website complies with all applicable federal, state, and local laws and regulations.

Limitation of Liability

User assumes all responsibility for use of this Website. The content is provided “as is” without any warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, freedom from viruses, and non-infringement of intellectual property rights. Proprietor does not guarantee the accuracy or reliability of any information, services, products, or linked sites.

Proprietor is not liable for any damages, including punitive, incidental, indirect, special, or consequential damages, arising from the use or inability to use this Website or its contents. In any event, the Proprietor’s liability shall be limited to the amounts payable by the Proprietor under this Agreement.

Indemnification

User agrees to indemnify and hold harmless the Proprietor, its subsidiaries, affiliates, officers, directors, employees, agents, and contractors from any claims, damages, losses, liabilities, or expenses (including reasonable attorneys’ fees) arising out of:

  1. User’s violation of this Agreement;
  2. User’s access to or use of the Website or Services;
  3. User’s failure to provide accurate, truthful, and complete information.

Termination

The Proprietor may terminate or suspend your access to the Website without notice if you violate any terms of this Agreement. Upon termination, all provisions of this Agreement that should reasonably survive will remain in effect, including indemnity, disclaimers, and limitations of liability.

Third-Party Links

This Website may contain links to third-party sites ("Linked Sites"). These links are provided for User convenience only, and Proprietor does not endorse or assume responsibility for any Linked Site's content or practices. Use of these external sites is at your own risk.

Governing Law and Arbitration

This Agreement is governed by the laws of the State of California, without regard to its conflict of law principles. Any dispute arising from this Agreement, except for injunctive relief claims, shall be resolved through binding arbitration in San Diego County, California, in accordance with the American Arbitration Association’s commercial rules. The parties shall select a mutually agreeable arbitrator, or one will be appointed by the AAA if no agreement is reached.

Equal Opportunity and Regulatory Compliance

Nationwide Loans, Inc. is an Equal Housing Opportunity and Equal Employment Opportunity provider. All activities are conducted in compliance with applicable state and federal regulations.
STATE LICENSES: NMLS #1799965 | NMLS Consumer Access

Changes to This Agreement

Proprietor reserves the right to modify, amend, or update this Agreement at any time without notice. Continued use of the Website after any changes become effective constitutes acceptance of the amended terms.

Severability

If any portion of this Agreement is held invalid or unenforceable, that portion shall be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Entire Agreement

This Agreement constitutes the entire understanding between User and Proprietor regarding the use of this Website and supersedes any prior agreements or communications. A printed version of this Agreement is admissible in any legal proceedings to the same extent as other business documents.

Additional Disclosures

For further information, please refer to our Privacy Policy and Terms & Conditions.