Terms & Conditions

1. Acceptance of Terms

Please read these Terms of Use carefully. By accessing McGowan Mortgage’s website, mobile application, or online services (“Site”), or by receiving any services offered online by McGowan Mortgage, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use this Site.

“You” and “your” refer to any person who accesses or uses the Site or its services (“Services”). The Site is intended for individuals at least 13 years old. If you are under 13, do not use this Site.

We may modify these Terms at any time. Changes take effect upon posting. By continuing to use the Site after changes are posted, you agree to the updated terms.

2. Registration Information

You may be invited to register to tailor the Services to your needs. You agree to provide accurate, current, and complete information and to update it as necessary. A profile may be created for you based on the information provided.

3. Privacy and Data Use

By using the Site, you agree that McGowan Mortgage may collect personal and device information, including through cookies and technical logs, for purposes including fraud prevention, customer service, and product improvement. Full details are provided in our Privacy Policy.

4. Restrictions on Use

All trademarks, service marks, trade names, trade dress, and related intellectual property are owned or licensed by McGowan Mortgage. You may not use them without prior written consent.
You may view and download certain materials for personal, non-commercial use only. You may not:

  • Copy, modify, distribute, reverse engineer, or create derivative works from the Site’s content

  • Interfere with the Site’s operation or security

  • Use the Site for unlawful purposes or in violation of applicable laws

5. Third-Party Links

The Site may link to third-party sites. We are not responsible for their content, privacy practices, or security. Use at your own risk and review their terms before engaging.

6. SMS, Call, and TCPA Consent Terms

By providing your phone number and checking any consent box on our Site, you are providing your express written consent under the Telephone Consumer Protection Act (TCPA) and the ESIGN Act to receive:

  • Calls and texts (SMS/MMS), which may use autodialers, prerecorded messages, or AI-generated voice/SMS technology

  • Communications for marketing and transactional purposes from McGowan Mortgage and only the individual providers you select (per the FCC’s “One-to-One” consent rule)

  • Your phone number will be displayed on the consent page for accuracy verification.

  • Consent is not required to obtain any product, service, or credit from us.

  • You may revoke consent at any time by replying STOP to a text, verbally requesting during a call, emailing [email protected], or any other reasonable means. We will honor revocations within 10 business days.

  • Message frequency may vary; message & data rates may apply.

  • If you are on a federal, state, or internal Do Not Call list, we may contact you until consent is revoked.

6. Children’s Privacy

Our Sites are not directed to children under 13, and we do not knowingly collect their information.

7. Data Security

We use industry-standard safeguards to protect your data, but no transmission is 100% secure. Use of the Site is at your own risk.

8. Limitation of Liability

The Website is provided “as is” without warranties of any kind. We do not guarantee:

  • Accuracy or completeness of content.

  • That the Website will be error-free or uninterrupted.

  • That defects or vulnerabilities will be corrected.

We are not liable for:

  • Losses of any kind (financial, reputational, etc.) related to your use of this Website.

  • Security breaches unless caused by our negligence.

9. Indemnification

You agree to indemnify and hold us harmless against any claims, losses, or damages resulting from your violation of these Terms or misuse of the Website.

10. Monitoring and Enforcement

We may monitor Website activity and take action (such as warnings, access suspension, or removal of content) if we identify violations.

11. Severability and Waiver

If any part of these Terms is found invalid, the rest remain in effect. Failure to enforce any provision is not a waiver of that or other rights.

12. Entire Agreement

These Terms, along with our Privacy Policy, represent the entire agreement between you and us regarding the Website and override any previous agreements or communications.

Contact

For questions or concerns regarding these Terms, please contact us at [email protected]