Terms of Service

Effective Date: September 29, 2024

The website mortgagepro.com is operated by Kai Xu ("I," "me," or "my"). By accessing or using this website, you agree to these Terms of Service.

1. Acceptable Use

• You may use this website for personal, lawful purposes only.
• You agree not to post, upload, or transmit unlawful, harmful, or offensive content.
• You agree not to interfere with or disrupt the security or functionality of the website.

2. Accounts

• If you create an account, you are responsible for keeping your login details secure.
• You are responsible for all activities under your account.

3. Intellectual Property

• All content on this website (text, graphics, code, etc.) is owned by Kai Xu, unless otherwise stated.
• You may not copy, distribute, or create derivative works without prior written consent.

4. Disclaimer & Limitation of Liability

• This website is provided "as is" without warranties of any kind.
• I do not guarantee uninterrupted or error-free operation.
• To the maximum extent permitted by law, I am not liable for any damages resulting from use of this website.

5. Termination

I may suspend or terminate access to the website at any time if you violate these terms or for any other reason.

6. Governing Law

These terms are governed by the laws of the United States. If you reside outside the U.S., you are responsible for compliance with your local laws.

7. Contact

For questions about these Terms, contact me at:
Email: kai.xu.engineer@gmail.com