Terms of Service | Trustiva

1. Acceptance of Terms

By accessing or using Trustiva ("we", "us", "our") at trustivahome.com (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use our Service.

2. Description of Service

Trustiva is a free reverse mortgage comparison service. We provide estimated reverse mortgage information from multiple lenders based on information you supply. We are not a mortgage lender, broker, or financial advisor.

3. Estimates Are Not Offers

All estimates displayed on our platform are for informational purposes only. They do not constitute a commitment or offer to lend. Actual loan terms, rates, fees, and available amounts are determined solely by the lender you choose, based on a complete application, appraisal, and underwriting review.

4. No Financial Advice

Nothing on this website constitutes financial, legal, or tax advice. We strongly encourage you to consult with a HUD-approved reverse mortgage counselor, licensed financial advisor, or attorney before making any mortgage decision.

5. Eligibility

You must be 62 years of age or older to qualify for a reverse mortgage. Our Service is intended for use by U.S. residents only. By using our Service, you represent that you meet these requirements.

6. How We Make Money

We receive referral fees from lenders when you connect with them through our platform and close a loan. This does not affect our lender rankings, which are based on estimated value to you. See our How We Make Money page for full details.

7. Accuracy of Information

You agree to provide accurate information when using our Service. We are not responsible for inaccurate estimates resulting from incorrect information you provide.

8. Intellectual Property

All content, branding, and software on this website are owned by Trustiva or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Limitation of Liability

To the maximum extent permitted by law, Trustiva shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability to you shall not exceed $100.

10. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind, express or implied. We do not warrant that estimates are accurate, complete, or current. We disclaim all warranties to the fullest extent permitted by law.

11. Changes to Terms

We may update these Terms at any time. We will post the updated Terms with a new "Last updated" date. Your continued use of the Service after changes constitutes acceptance.

12. Governing Law

These Terms are governed by the laws of the United States and the state in which Trustiva is incorporated, without regard to conflict of law principles.

13. Contact

Questions about these Terms? Contact us at [email protected].