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Effective date: [06/04/2026]

Welcome to medloanadvisor.com (the “Site”), operated by MedLoan Advisor (“MedLoan Advisor,” “we,” “us,” or “our”). These Terms of Use govern your access to and use of the Site and any related content, emails, and communications we provide. By using the Site, you agree to these Terms. If you do not agree, please discontinue use.

1. What MedLoan Advisor Is — and Is Not

MedLoan Advisor is an informational and advertising service. We publish general educational information about home-loan programs available to medical professionals and, at your request, connect you with a licensed loan officer. MedLoan Advisor is not a lender, mortgage broker, or financial, legal, or tax advisor, and does not originate, make, or arrange loans. Nothing on the Site is an offer or commitment to lend, an application for credit, or a guarantee of any loan, rate, term, eligibility, or approval.

2. Information, Not Advice

The content on the Site is published generally and does not constitute financial, lending, legal, or tax advice. It is not personalized to your situation and does not establish any advisory, fiduciary, or client relationship. Loan programs, features, and eligibility are described generally, may vary by lender and borrower, and are subject to change without notice. Always consult a qualified, licensed professional before making financial decisions.

3. Connecting With a Licensed Loan Officer

If you submit a request, we may share your information with a licensed loan officer who can discuss program options with you (see our Privacy Policy). Any loan products, advice, applications, underwriting, approvals, and services are provided solely by that loan officer and their institution — not by MedLoan Advisor. We do not endorse, and are not responsible or liable for, the products, services, conduct, advice, or decisions of any third-party loan officer or lender.

4. No Rates or Terms Guaranteed

The Site does not quote interest rates. Any program features described (such as down-payment options, mortgage-insurance treatment, or debt-ratio guidance) are general and illustrative, are not an offer, and are subject to lender approval, underwriting, and change.

5. Eligibility and Accuracy

We strive to keep information accurate and current but do not warrant that it is complete, accurate, or up to date. You are responsible for verifying any information before relying on it.

6. Intellectual Property

The Site and its content (text, graphics, logos, and design) are owned by or licensed to MedLoan Advisor and are protected by copyright, trademark, and other laws. You may not copy, reproduce, distribute, or publish Site content without our prior written permission. Third-party names and marks are the property of their respective owners.

7. Acceptable Use

You agree not to misuse the Site, including by submitting false or another person’s information, interfering with its operation or security, attempting unauthorized access, or using it for any unlawful purpose.

8. Termination

We may, at our discretion and without notice, suspend, restrict, or terminate your access to the Site, or remove any content, for any reason, including violation of these Terms.

9. Third-Party Links

The Site may contain links to third-party websites, platforms, or resources. We do not control and are not responsible for their content, policies, or practices, and links do not constitute endorsements.

10. Copyright Claims (DMCA)

If you believe content on the Site infringes your copyright, please send a notice through our Contact page including: identification of the work, the location of the material, your contact information, and a good-faith statement that the use is unauthorized.

11. Disclaimer of Warranties

The Site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, or that the Site will be secure, error-free, or uninterrupted.

12. Limitation of Liability

To the fullest extent permitted by law, MedLoan Advisor and its owners, affiliates, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss arising from your use of the Site, its content, or any third-party loan officer or lender — even if advised of the possibility. If liability cannot be fully excluded, our total liability is limited to USD $100.

13. Indemnification

You agree to indemnify, defend, and hold harmless MedLoan Advisor and its owners and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the Site or violation of these Terms.

14. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. You agree to the exclusive jurisdiction and venue of the state and federal courts located in [County], California.

15. Changes to These Terms

We may revise these Terms from time to time. Changes are effective when posted, and we will update the “Effective date” above. Your continued use of the Site means you accept the updated Terms.

16. Electronic Notices

You consent to receive communications and notices from us electronically, and you agree that electronic notice satisfies any legal requirement that such communications be in writing.

17. Contact

Questions about these Terms? Reach us through our Contact page.

MedLoan Advisor is an informational and advertising service, not a lender or broker. Equal Housing Opportunity.