Terms of Use.

Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of cohenmortgage.com (the "Site"), operated by Cohen Mortgage, LLC ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

Description of Services

The Site provides general information about our mortgage brokerage services, including loan program descriptions, payment estimators, educational content, and a mechanism to begin a mortgage application. We are a licensed mortgage broker and do not directly lend funds. We submit loan applications to wholesale lender partners who make final lending decisions.

No Lending Commitment

Nothing on the Site constitutes a commitment to lend or an offer of a specific loan, interest rate, or set of terms. Loan availability, pricing, and terms are subject to credit approval, property approval, lender underwriting standards, and prevailing market conditions. Rates and terms may change at any time without notice.

Accuracy of Information

We make reasonable efforts to ensure information on the Site is accurate, but we make no warranties regarding the completeness, accuracy, or timeliness of any information provided. Rate examples, payment calculators, and program descriptions are for general illustration only and are not personalized offers or quotes.

Eligibility

You must be at least 18 years old and legally able to enter into a binding contract to submit a mortgage application through the Site. By submitting any application or inquiry, you represent that the information you provide is true, accurate, and complete.

Text Messaging Terms

Program. Cohen Mortgage, LLC (NMLS #2516231) offers a text messaging program for people who request information or a pre-approval from us, and for our loan clients. If you opt in by checking the optional text messaging box on our website or on our Facebook or Instagram lead forms, you agree to receive text messages from Cohen Mortgage and its loan officers about your inquiry and mortgage products. These include follow-up on your request, appointment scheduling and reminders, document requests, and updates on your pre-approval or loan status. Some texts may be sent using automated technology. Consent is not a condition of any purchase or of getting a loan.

Message frequency varies. It depends on your inquiry and loan activity.

Msg & data rates may apply. Your mobile carrier’s standard message and data rates may apply to messages you send and receive.

Opt out. You can cancel at any time by replying STOP to any message, or by calling (513) 801-0201 or emailing [email protected]. After you send STOP, we’ll send one message confirming that you’ve been unsubscribed, and you won’t receive more texts from us unless you opt in again. To resubscribe, reply START.

Help. Reply HELP to any message, call (513) 801-0201, or email [email protected].

Carriers are not liable for delayed or undelivered messages. Delivery depends on your wireless carrier and device, and we can’t guarantee that messages will be delivered.

Your number. You confirm that you’re the subscriber or authorized user of the mobile number you provide. If you change or give up that number, please tell us or reply STOP from that number.

Privacy. We don’t share, sell, or transfer mobile numbers, text messaging opt-in data, or SMS consent to third parties or affiliates for marketing or promotional purposes. See our Privacy Policy.

Contact. Cohen Mortgage, LLC, 4680 Cooper Rd., Suite B, Cincinnati, OH 45242 · (513) 801-0201 · [email protected]

Permitted Use

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local law.
• Submit false, misleading, or fraudulent information in connection with any loan inquiry or application.
• Attempt to gain unauthorized access to the Site, our servers, or any related systems.
• Use any automated means (bots, scrapers, spiders) to access the Site without our written consent.
• Reverse-engineer, decompile, or attempt to extract source code from the Site.
• Use the Site to transmit malware, viruses, or any other harmful code.

Intellectual Property

The Site, including all text, graphics, logos, photographs, and software, is owned by Cohen Mortgage, LLC or our licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any portion of the Site without our prior written consent, except that you may download and print copies for personal, non-commercial reference.

Third-Party Links and Services

The Site may contain links to third-party websites and services, including loan application platforms operated by third parties. We are not responsible for the content, privacy practices, or terms of any third-party site. Linking to or use of third-party services is at your own risk.

Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from a course of dealing or trade usage.

Limitation of Liability

To the fullest extent permitted by law, Cohen Mortgage, LLC shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Site, including but not limited to damages for lost profits, loss of data, or business interruption, even if we have been advised of the possibility of such damages. Our total liability for any claim arising under these Terms shall not exceed one hundred dollars ($100).

Indemnification

You agree to indemnify and hold harmless Cohen Mortgage, LLC, its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site or breach of these Terms.

Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to its conflict-of-laws principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Hamilton County, Ohio.

Changes to These Terms

We may revise these Terms at any time. Changes are effective when posted on the Site. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms? Contact us at:

Cohen Mortgage, LLC
4680 Cooper Rd., #B
Cincinnati, OH 45242
(513) 801-0201
[email protected]