Terms of Service

Effective Date: [April 25, 2026]

These Terms of Service (“Terms”) govern your use of BorrowerChoice.com (the “Website”). By accessing or using this Website, you agree to be bound by these Terms.

If you do not agree with these Terms, you should not use this Website.

1. Operator of the Website

This Website is operated by Middle Credit Score® LLC, part of the Consumer Funnels LLC ecosystem (“Company,” “we,” “our,” or “us”).

2. Purpose of the Website

BorrowerChoice.com is an educational platform designed to help consumers better understand their financial position before applying for a mortgage.

We do not:

• Provide loans or credit decisions
• Act as a lender or broker
• Offer financial, legal, or tax advice

All information is provided for general educational purposes only.

3. No Financial or Credit Advice

The content on this Website is not intended as financial, legal, or credit advice.

You should consult with licensed professionals before making financial decisions.

Your use of this Website does not create any advisory or fiduciary relationship.

4. No Guarantee of Outcomes

We make no guarantees regarding:

• Mortgage approval
• Interest rates or loan terms
• Credit score changes or improvements
• Financial outcomes of any kind

All outcomes depend on individual financial circumstances and third-party evaluation.

5. User Responsibility

By using this Website, you agree that:

• You are responsible for verifying any information before relying on it
• You will use the information at your own discretion
• You understand that financial decisions carry risk

You assume full responsibility for any actions taken based on the content of this Website.

6. External Links and Third-Party Services

This Website may contain links to third-party websites, platforms, or services.

These links are provided for informational purposes only.

We do not control or endorse third-party content and are not responsible for:

• The accuracy of third-party information
• The privacy practices of third-party sites
• Any transactions or interactions you have with third parties

You access third-party websites at your own risk.

7. Credit Data Disclaimer

BorrowerChoice.com does not generate or maintain credit reports.

Any credit-related information referenced is derived from external sources, including credit reporting agencies.

We do not guarantee the accuracy, completeness, or timeliness of any credit-related data.

Users are responsible for verifying their credit information through official reporting sources.

8. Intellectual Property

All content on this Website—including text, structure, branding, and concepts—is the property of Middle Credit Score® LLC unless otherwise stated.

You may not:

• Reproduce or redistribute content without permission
• Use content for commercial purposes without authorization
• Copy or replicate the structure of the platform

Unauthorized use may result in legal action.

9. Acceptable Use

You agree not to use this Website:

• For unlawful purposes
• To attempt unauthorized access to systems
• To misuse or exploit content

We reserve the right to restrict or terminate access for violations of these Terms.

10. Limitation of Liability

To the fullest extent permitted by law, Middle Credit Score® LLC shall not be liable for:

• Any direct or indirect damages resulting from use of this Website
• Financial losses related to mortgage or credit decisions
• Errors or omissions in content
• Reliance on third-party information

Use of this Website is at your own risk.

11. No Warranties

This Website is provided “as is” and “as available.”

We make no warranties regarding:

• Accuracy of information
• Availability of the Website
• Fitness for a particular purpose

12. Indemnification

You agree to indemnify and hold harmless Middle Credit Score® LLC from any claims, damages, or losses arising from:

• Your use of the Website
• Your reliance on the content
• Your violation of these Terms

13. Changes to These Terms

We may update these Terms at any time without prior notice.

Continued use of the Website constitutes acceptance of any changes.

14. Governing Law

These Terms shall be governed by the laws of the State of Arizona, without regard to conflict of law principles.

15. Contact Information

If you have questions about these Terms, you may contact:

Company: Middle Credit Score® LLC

Email: support@MiddleCreditScore.com