Terms of Service
Effective date: November 4, 2025
Website: Kelvinyourmortgagebroker.com
Business Name: Kelvin Andrade, NMLS #1135008/ Universal Mortgage, LLC
1. Introduction
Welcome to
Kelvin Andrade – Your Trusted Miami Mortgage Broker.
By accessing or using this website, you agree to comply with and be bound by these
Terms of Service.
If you do not agree with any part of these terms, please discontinue use of this website.
These Terms govern your use of our website, online forms, and communication services related to mortgage inquiries, pre-approvals, and other real estate financing assistance.
2. Use of Our Website
You agree to use this website only for lawful purposes and in a manner consistent with all applicable local, state, and federal laws and regulations.
You may not use this website to:
- Submit false or misleading information.
- Interfere with the website’s functionality or security.
- Engage in unauthorized data collection or scraping.
- Upload harmful code, spam, or content intended to disrupt normal use.
We reserve the right to restrict or terminate access to anyone who violates these terms.
3. No Guarantee of Loan Approval
Submitting an inquiry or loan application through this website
does not guarantee loan approval, interest rate, or financing.
All mortgage programs are subject to:
- Credit approval,
- Lender underwriting guidelines, and
- Applicable federal and state regulations.
Loan terms, interest rates, and eligibility criteria may change at any time without notice.
4. Accuracy of Information
While we make every effort to ensure that all information on our website is accurate and up to date, we cannot guarantee that all content—including rates, loan programs, and eligibility requirements—is error-free.
You agree that you will not rely solely on website information when making financial decisions and will confirm details directly with a licensed loan officer.
5. Intellectual Property Rights
All content on this website—including text, graphics, logos, images, and layouts—is the property of Kelvin Andrade – Your Mortgage Broker or its content providers and is protected by copyright law.
You may view or print pages for personal, non-commercial use only.
You may not copy, reproduce, distribute, or modify website materials without prior written consent.
6. Links to Third-Party Websites
Our website may include links to third-party sites, such as lenders, title companies, or partners. We are not responsible for the content, accuracy, or practices of any external websites and encourage users to review their Terms and Privacy Policies before engaging with them.
7. Limitation of Liability
Under no circumstances shall Kelvin Andrade – Your Mortgage Broker, its agents, or affiliates be liable for any damages resulting from:
- The use or inability to use this website;
- Reliance on any information contained herein; or
- Technical issues, errors, or delays in website operation.
This includes direct, indirect, incidental, consequential, or punitive damages, even if advised of the possibility of such damages.
8. Indemnification
You agree to indemnify and hold harmless Kelvin Andrade – and or Universal Mortgage, LLC, its officers, employees, and affiliates from any claims, damages, or expenses (including attorney fees) arising from your misuse of the website or violation of these Terms.
9. Privacy Policy
Your use of this website is also governed by our
Privacy Policy, which outlines how we collect, store, and protect your personal information.
By using our services, you agree to our Privacy Policy in full.
10. Changes to These Terms
We may update these Terms of Service at any time without prior notice. Any updates will be reflected by the “Effective Date” at the top of this page. Your continued use of this website after any changes indicates your acceptance of the revised terms.
Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be resolved in the appropriate courts located in Miami-Dade County, Florida.
12. Contact Information
If you have questions about these Terms of Service, please contact us:
Kelvin Andrade
📍 Miami, Florida
📞 (786)829-6067
📧 Kelvin@universalmortgage.com
🌐 www.Kelvinyourmortgagebroker.com