Terms and Conditions of Use

The following is an agreement between yourself (you) and Mortgage Research Center, LLC. By using this website (“the website”) and accessing any of the contents contained in it, you agree to be bound by the following terms and conditions. If you disagree with any of the Terms and Conditions of Use below, please navigate away from the site. These terms function closely with our Privacy Policy, so please review those too.

Basic Disclaimers
1. This website is provided to you by Mortgage Research Center, LLC, 1400 Forum Drive, Columbia, Missouri 65203. Mortgage Research Center strives to ensure the information contained on the website is accurate, although occasionally errors may occur. Mortgage Research Center, LLC reserves the right to make changes and/or improvements to this website at any time. Further, THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES ARE PROVIDED ‘AS IS’ WITH NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. MORTGAGE RESEARCH CENTER, LLC, OR ANY OF ITS AFFILIATES, IS NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THE SITE.
Information About You and Your Visits to the Website
1. All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
Intellectual Property
1. The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, source code, calculations, products, data, functionality, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Mortgage Research Center, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
2. The following marks which appear on the Site: Paddio®, MRC™ and the respective logos, emblems, and designs are trademarks and/or service marks of Mortgage Research Center, LLC. Any and all other copyrights, trademarks or service marks located on the site are the property of their respective owners.
3. Testimonials
  1. You acknowledge and agree that all testimonials submitted to Mortgage Research Center will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to Mortgage Research Center the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that Mortgage Research Center may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictitious name herewith.
Lending Services
1. Terms Applicable to Loan Request Services
  1. Mortgage Research Center, LLC does not endorse, recommend, or steer consumers to any specific loan product that we offer, nor do we guarantee approval on any loan product. You make the ultimate decision on the loan product that is best for your individual financial situation. We will only provide lending services from loan officers who are licensed in the state you intend to purchase.
2. Loan Information Requests
  1. When you submit a request for information (an “Inquiry”) through this website, a representative will contact you via the phone number or email address you provided. The representative will ask you for additional information in order to facilitate your request. WE WILL NOT ACCESS YOUR CREDIT WITHOUT YOUR EXPRESS VERBAL OR WRITTEN PERMISSION.
3. Errors and Delays
  1. Mortgage Research Center, LLC is not responsible for any errors or delays in responding to your inquiry arising out of inaccurate information provided by you, or any other cause outside of our commercially reasonable control.
4. Costs
  1. There is no charge to you, as a consumer, for using the services provided on this Site. A licensed representative will discuss any and all fees for receiving a loan and all fees will be provided consistent with state and federal laws.
Paddio Account Registration and Eligibility
1. Registration is optional; however, you will need to register with us to use all of our features and services. We will create an individual membership profile account when you register on padd.io. If you open a membership account, we will give you the ability to communicate with your loan team and use other features of Paddio. In order to register with Paddio, you must meet the following qualifications:
  1. You must be at least 18 years of age and have the legal capacity to agree to these Terms of Service.
  2. You must provide true, accurate, current and complete registration information.
  3. You agree to keep this information up-to-date.
  4. You must abide at all times with the Terms of this Agreement.
  5. If you are registering on behalf of another individual, you must have legal authority to act on behalf of such individual.
2. We are not responsible if we are unable to communicate with you because you have not kept your registration information up to date. By accessing and/or registering for the use of Paddio, you represent and warrant that (a) you have the authority and legal capacity to enter into the Agreement and follow its obligations, (b) you have the authority to bind your principal or employer company if you are applying on behalf of a business, and (c) you are providing true, complete and current information.
3. Your Information
  1. When you submit information about you to us, you agree that we may collect and use your information as disclosed in our Privacy Policy. Each time you access and use Paddio, you acknowledge that you have reviewed the policies disclosed in this section and consent to their terms.
  2. You will have the option to connect your bank account(s) to your Paddio account via Plaid, in order to automatically verify asset information for the purpose of facilitating your loan transaction and improving your Paddio user experience. By using our service, you grant Mortgage Research Center, LLC and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy. You can withdraw your consent at any time by changing your Mortgage Research Center, LLC profile security settings.
  3. By connecting your bank accounts via Plaid, we will receive the following information:
    1. Bank Account Owner
    2. Account Type
    3. Account Balance
    4. Last 4 digits of Bank Account number
    5. Transaction data
      1. Deposits
      2. Withdrawals
      3. Dates of line items
      4. Dollar amount of line items
      5. Transaction description
  4. We will only use this information to verify assets and update your loan file. Mortgage Research Center, LLC will only verify your asset information when you have an active (not denied, closed, or withdrawn) loan with us.
4. Data Backup
  1. You are solely responsible for backing up any Content that you store on any customizable area on Paddio. We are not responsible for the loss of any data or Content you elect to store on Paddio.
5. Account Security
  1. You agree to notify MRC immediately of any unauthorized use of a Paddio account. You are responsible for maintaining the confidentiality of any of your usernames or passwords associated with MRC’s websites and content. You may be held liable for losses or damages incurred by MRC or any other user of or visitor to the website due to someone else using your user name, ID, password, or other information which provides access to the website. MRC is not liable for any loss or damage that you may incur as a result of your failure to comply with these requirements.
Indemnity
1. You agree to indemnify Mortgage Research Center, LLC and its’ affiliates from and against any and all liabilities, expense (including attorney’s fees) and damages arising out of any claims resulting from your use of this website, including without limitation any claims alleging facts that, if true, would constitute a breach by you of these Terms and Conditions of Use.
Choice of Law
1. You agree that the laws of the State of Missouri govern this contract and any claim or dispute that you may have against us, without regard to Missouri’s conflict of laws rules. You further agree that a court located in Boone County, Missouri will resolve any disputes or claims that you may have against us.
Dispute Resolution
1. Any claim, dispute, or cause of action arising out of the use of the Site shall be subject to arbitration under the commercial arbitration rules of the American Arbitration Association, in a proceeding held before one arbitrator as chosen by Mortgage Research Center, LLC. The arbitration shall occur in Boone County, Missouri. Any claim, dispute, or cause of action shall be resolved in the arbitration proceeding and shall be binding on all parties. You, as the consumer, waive and forfeit any and all rights to any action in state or federal court to defend or assert your rights.
Disclaimer of Warranties
1. We provide This website “as is”, “with all faults” and “as available.” YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. Neither we nor our Contributors make any express warranties or guarantees about This website and its Content. TO THE EXTENT PERMITTED BY LAW, WE DISCLAIM IMPLIED WARRANTIES THAT THIS WEBSITE AND ITS CONTENT ARE MERCHANTABLE, OF SATISFACTORY QUALITY, ACCURATE, FIT FOR A PARTICULAR PURPOSE OR NEED, TIMELY, RELIABLE OR NON-INFRINGING. WE DO NOT GUARANTEE THE RESULTS THAT YOU MAY OBTAIN FROM YOUR USE OF THIS WEBSITE. WE DO NOT GUARANTEE THAT THIS WEBSITE WILL MEET YOUR REQUIREMENTS. WE DO NOT GUARANTEE THAT YOU WILL BE ABLE TO ACCESS OR USE THIS WEBSITE AT TIMES OR LOCATIONS OF YOUR CHOOSING. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY OUR REPRESENTATIVES SHALL CREATE A WARRANTY.
Limitation of Liability
1. OUR PARENT, OUR CONTRIBUTORS, OUR DISTRIBUTORS AND WE SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE. THESE EXCLUSIONS APPLY TO ANY CLAIMS FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, EVEN IF WE KNEW OR SHOULD HAVE KNOWN THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR AND OUR SUPPLIER’S LIABILITY IN SUCH STATE OR JURISDICTION SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
2. YOU AGREE, AND YOU WILL REQUIRE THAT ANY THIRD PARTY WHO INDIRECTLY USES THE CONTENT PROVIDED BY YOU (“THIRD PARTY USER”) TO AGREE, THAT IN NO EVENT SHALL WE OR OUR CONTRIBUTORS BE LIABLE FOR THE RESULTS OF ANY THIRD PARTY USER’S USE OR RELIANCE UPON THIS WEBSITE, FOR ITS INABILITY OR FAILURE TO CONDUCT ITS BUSINESS, OR FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST DATA OR LOST PROFITS, WHETHER IN TORT (INCLUDING NEGLIGENCE), CONTRACT, STRICT LIABILITY, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE.
3. IN NO EVENT SHALL OUR OR OUR CONTRIBUTORS CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS RELATING TO THE USE OF THE THIS WEBSITE SERVICES EXCEED THE TOTAL AMOUNT YOU PAID FOR THE PARTICULAR THIS WEBSITE SERVICE WITHIN AN IMMEDIATE TWELVE-MONTH PERIOD.
Complete Agreement
1. This Agreement and any supplemental terms, policies, rules and guidelines posted on this website constitute the entire agreement between you and Mortgage Research Center, LLC and supersede all previous written or oral agreements. If any part of this Agreement is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
Comments and Concerns
1. This website is operated by Mortgage Research Center, LLC. All notices of copyright infringement claims should be sent to the copyright agent designated in our Copyright Policy in the manner and by the means set out therein.
2. All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: hi@paddio.com.

Please Print and Retain a Copy of this Agreement for Your Records.

Mortgage Research Center, LLC (Last Updated: November 10, 2022)

Homeowner Community Terms of Use Agreement

This Terms of Use Agreement (“Agreement”) constitutes a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Mortgage Research Center, LLC (“MRC”), concerning your access to and use of the Paddio Homeowner Community website (“website”). The website allows users to upload images and videos, and interact with other users content (collectively, the “Services”). The Services are free of charge. The Services are hosted in the United States. These Terms of Use are effective as of November 10, 2022.

Eligibility
1. Eligibility. By using the Services, you represent and warrant that: (a) all registration information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older; and (d) your use of the Services does not violate any applicable law or regulation.
User Representations and Warranties
1. User Representations and Warranties. You are entirely responsible for the content of, and any harm resulting from, your postings to the Homeowner Community content hub (collectively, “Contribution”). When you create or make available a Contribution, you thereby represent and warrant that:
  1. the creation, distribution, transmission, public display and performance, accessing, downloading and copying of your Contribution does not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights of any third party;
  2. you have fully complied with any third-party licenses relating to your Contribution, and have done all things necessary to successfully pass through to viewers any required terms;
  3. your Contribution does not contain any viruses, worms, Trojan horses, malicious code or other harmful or destructive content;
  4. your Contribution is not obscene, lewd, lascivious, filthy, excessively violent, harassing or otherwise objectionable, libelous or slanderous, does not advocate the violent overthrow of the government of the United States, does not incite, encourage or threaten immediate physical harm against another, does not violate any applicable law, regulation, or rule, and does not violate the privacy or publicity rights of any third party;
  5. your Contribution does not contain material that solicits personal information from anyone under 18 or exploit people under the age of 18 in a sexual or violent manner, and does not violate any federal or state law concerning child pornography or otherwise intended to protect the health or well-being of minors;
  6. if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to make available the Contribution, or (ii) secured from your employer a waiver as to all rights in or to your Contribution;
  7. your Contribution does not violate any state or federal law designed to regulate electronic advertising;
  8. your Contribution does not amount to trolling, or the making of controversial statements for the sole purpose of generating responses by others;
  9. your Contribution does not constitute, contain, install or attempt to install or promote spyware, malware or other computer code, whether on Company’s or others computers or equipment, designed to enable you or others to gather information about or monitor the online or other activities of another party;
  10. your Contribution does not inundate the website with communications or other traffic suggesting no serious intent to use the website for its stated purpose;
  11. your Contribution does not otherwise violate, or link to material that violates, any provision of this Agreement or any applicable law or regulation; and
  12. your Contribution does not contain pictures, data, audio or visual files, or any other content that is excessive in size, as determined by MRC in its sole discretion.
Posting
1. By posting your Content using the Services, you are granting to MRC an unrestricted, irrevocable, non-exclusive, royalty-free, perpetual, worldwide, and fully transferable, assignable, and sub-licensable right and license to use, copy, reproduce, modify, adapt, publish, translate, create collective or derivative works from, distribute, perform and display your Content in whole or in part and to incorporate it in other works in any form, media, or technology now known or later developed. You further warrant that all so-called moral rights in the content have been waived.
2. By posting content to the website, you warrant and represent that you either own or otherwise control all of the rights to that content, including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the content, or that your use of the content is a protected fair use. You agree that you will not knowingly provide material and misleading false information. You represent and warrant also that the content you supply does not violate these Terms. It is your sole responsibility to ensure that your postings do not disclose confidential and/or proprietary information, including personal financial information, information covered by a nondisclosure agreement, and information that you are not authorized to disclose. We caution you not to disclose personal information about yourself or your children, such as social security numbers, credit card numbers, etc.
3. You agree to indemnify and hold Us and Our affiliated companies, and their directors, officers and employees, harmless for any and all claims or demands, including reasonable attorney fees, that arise from or otherwise relate to your use of the website, any content you supply to the website, or your violation of these Terms or the rights of another.
Prohibited Activities
1. Prohibited Activities. You may not access or use the website for any other purpose other than that for which MRC makes it available. Certain activities, even if legal, may violate the common rules of etiquette governing Contributions, as determined by MRC in Company’s sole discretion. Prohibited activity includes, but is not limited to:
  1. criminal or tortious activity, including fraud, trafficking in obscene material, gambling, harassment, stalking, spamming, copyright infringement, patent infringement, or theft of trade secrets;
  2. advertising to, or solicitation of, any user to buy or sell any products or services;
  3. transmitting chain letters or junk email to other users;
  4. using any information obtained from the website in order to contact, advertise to, solicit, or sell to any user without their prior explicit consent;
  5. engaging in any automated use of the system, such as using scripts to add friends or send comments or messages;
  6. interfering with, disrupting, or creating an undue burden on the website or the networks or services connected to the website;
  7. attempting to impersonate another user or person;
  8. using the username of another user;
  9. selling or otherwise transferring your profile;
  10. using any information obtained from the website in order to harass, abuse, or harm another person;
  11. displaying an advertisement, or accepting payment or anything of value from a third person in exchange for your performing any commercial activity on or through the website on behalf of that person, such as posting blogs or bulletins with a commercial purpose; and
  12. using the website in a manner inconsistent with any and all applicable laws and regulations.
Site Registration
1. In order to access some of the services on this site, you will be required to use an account that can be obtained by completing our online registration form, which requests certain information and data (“Registration Data”), and maintaining and updating your Registration Data as required. By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete, and accurate.
2. You also grant us the right to disclose to third parties certain Registration Data about you. The information we obtain through your use of this site, including your Registration Data, is subject to our Privacy Policy which is specifically incorporated by reference into these Terms of Use.
Right to Terminate Users
1. MRC Retains the Right to Terminate Users. WITHOUT LIMITING ANY OTHER PROVISION OF THIS AGREEMENT, MRC RESERVES THE RIGHT TO, IN COMPANY’S SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY DENY ACCESS TO AND USE OF THE WEB SITE TO, ANY PERSON FOR ANY REASON OR FOR NO REASON AT ALL, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY OR COVENANT CONTAINED IN THIS AGREEMENT, OR OF ANY APPLICABLE LAW OR REGULATION.
Term
1. This Agreement shall remain in full force and effect while you use the Services or are a User. You may terminate your use or participation at any time, for any reason, by emailing socialmedia@paddio.com. The request will be processed in 1-3 business days. MRC may terminate your use or participation at any time, without warning. Even after your use and participation is terminated, this Agreement will remain in effect.
Digital Millennium Copyright Act
1. Copyright Policy. MRC will terminate the account and access rights of any repeat infringer. If you are a copyright owner or the legal agent of a copyright owner, and you believe that any User submission or content on the website infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) Notice to:
  1. Contact: Brock Cooper
  2. Address: 1400 Forum Drive, Columbia, Missouri 65203
  3. Phone: 573-876-2600
2. Please visit paddio.com/copyright/ or email copyright@veteransunited.com to learn more about how to file copyright complaints with Company.
Disclaimers
1. Disclaimers. MRC cannot control the nature of the content available on the website. By operating the website, MRC does not represent or imply that MRC endorses any blogs, Contributions or other content available on or linked to by the website, including without limitation content hosted on third party websites, or that MRC believes Contributions, blogs or other content to be accurate, useful or non-harmful.