Welcome to Valtera, LLC. By accessing valteraco.com (the "Website"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Website.
1. Description of Service
Valtera, LLC operates an informational and advertising platform. We provide lenders with advertising services to consumers for residential mortgage loans. Through our Lender Partner Program, we list approved lenders and selected Loan Officers on our website in designated states or economic regions.
Valtera is an advertising and informational platform. We are not a direct mortgage lender, bank, financial institution, or real estate brokerage. We do not originate, fund, or underwrite loans, nor do we make credit decisions.
2. Limitation of Liability
The information provided on our Website is for educational and informational purposes only. Valtera is not responsible or liable for:
- The ultimate outcome of any loan application, real estate transaction, or financial agreement you enter into with a third-party lender or broker found on our Website.
- Any actions, omissions, representations, or services provided by the lenders, loan officers, or brokerages participating in our network.
- Any direct, indirect, incidental, or consequential financial losses or damages resulting from your use of our Website or your reliance on the information provided.
3. No Guarantees
Displaying a lender, loan officer, or brokerage on the Valtera Website does not constitute a guarantee of their services. Valtera does not guarantee loan approval, specific interest rates, terms, or any financial outcome. All mortgage rates, terms, and approvals are determined solely by the independent lenders in accordance with their own underwriting guidelines and applicable laws.
4. User Conduct and Platform Application
If you are a real estate or mortgage professional submitting an "Application for Platform Inclusion," you agree to use the Website responsibly. You represent and warrant that all documents, materials, and other information you submit are true, accurate, and complete, and do not omit any applicable material facts. You agree not to submit spam, fraudulent inquiries, or malicious code through our forms.
5. Intellectual Property
All content, designs, logos, graphics, and text on the Valtera Website are the exclusive, proprietary property of Valtera, LLC. You may not copy, scrape, reproduce, distribute, or create derivative works from our Website or our marketing programs without our express prior written consent.
6. Governing Law and Venue
These Terms of Service shall be deemed as a contract under the laws of the State of Utah, and the rights and obligations of the parties hereto shall be governed by the laws of the State of Utah. Any disputes, proceedings, or claims arising out of or relating to these Terms or your use of the Website shall take place exclusively in Salt Lake County, Utah.
7. Changes to These Terms
We reserve the right to modify or update these Terms of Service at any time. Any changes will be effective immediately upon posting to the Website. Your continued use of the Website constitutes your acceptance of the revised terms.