Terms of Use

Agreement to Terms

By accessing or using the Tyler Shearer Mortgage Team website (the "Site"), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this Site. The materials contained on this Site are protected by applicable copyright and trademark law.

Use License

Permission is granted to temporarily view the materials on our Site for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or public display
• Attempt to reverse engineer any software contained on the Site
• Remove any copyright or proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Tyler Shearer Mortgage Team at any time.

No Professional Advice

The information on this Site is provided for general informational purposes only and should not be construed as:

• Legal advice
• Tax advice
• Financial planning or investment advice
• Real estate advice

You should consult with qualified professionals (attorneys, CPAs, financial advisors) before making any financial decisions. Tyler Shearer is a licensed mortgage loan originator, not a licensed attorney, CPA, or financial planner.

Rate and Fee Information

Any rates, fees, or payment examples shown on this Site are for illustrative purposes only and are subject to change without notice. Actual rates, fees, and terms will be provided in your Loan Estimate and Closing Disclosure documents.

The Annual Percentage Rate (APR) you receive may differ from any rates shown due to factors including but not limited to: credit score, loan-to-value ratio, property type, occupancy type, loan amount, and current market conditions.

Disclaimer of Warranties

THE MATERIALS ON THIS SITE ARE PROVIDED ON AN "AS IS" BASIS. TYLER SHEARER MORTGAGE TEAM AND GESA CREDIT UNION MAKE NO WARRANTIES, EXPRESSED OR IMPLIED, AND HEREBY DISCLAIM AND NEGATE ALL OTHER WARRANTIES INCLUDING, WITHOUT LIMITATION:

• Implied warranties of merchantability or fitness for a particular purpose
• Warranties of non-infringement of intellectual property
• Warranties regarding the accuracy, reliability, or completeness of any information
• Warranties that the Site will be uninterrupted or error-free

Limitation of Liability

IN NO EVENT SHALL TYLER SHEARER MORTGAGE TEAM, GESA CREDIT UNION, OR THEIR SUPPLIERS BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA OR PROFIT, OR DUE TO BUSINESS INTERRUPTION) ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS ON THIS SITE, EVEN IF WE HAVE BEEN NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, OR LIMITATIONS OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THESE LIMITATIONS MAY NOT APPLY TO YOU.

Accuracy of Materials

The materials appearing on this Site may include technical, typographical, or photographic errors. We do not warrant that any of the materials on the Site are accurate, complete, or current. We may make changes to the materials contained on the Site at any time without notice. However, we do not make any commitment to update the materials.

Third-Party Links

This Site may contain links to third-party websites. These links are provided solely as a convenience to you. We have not reviewed all of these third-party sites and do not control and are not responsible for their content or privacy practices. The inclusion of any link does not imply endorsement by us of the site. Use of any such linked website is at your own risk.

User Submissions

Any information you submit through forms on this Site will be handled in accordance with our Privacy Policy. By submitting information, you represent and warrant that:

• The information you provide is accurate and complete
• You are authorized to provide such information
• You are at least 18 years of age
• Your submission does not violate any applicable laws or regulations

Electronic Communications

By using this Site and providing your contact information, you consent to receive electronic communications from us. These communications may include:

• Responses to your inquiries
• Updates regarding your loan application
• Marketing communications (if you have opted in)
• Service announcements and administrative messages

You may opt out of marketing communications at any time by following the unsubscribe instructions or by contacting us directly.

Telephone Consumer Protection Act (TCPA)

When you provide your phone number and consent on our forms, you agree that we may contact you at that number via phone calls, text messages, and voicemails for purposes related to your mortgage inquiry, even if your number is on a Do Not Call registry.

To opt out: You may reply STOP to any text message to opt out of future text communications. You may also contact us directly to update your communication preferences.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Idaho, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Kootenai County, Idaho.

Modifications to Terms

We may revise these Terms of Use at any time without prior notice. By using this Site, you agree to be bound by the current version of these Terms of Use. We encourage you to review this page periodically for any changes.

Contact Us

If you have questions about these Terms of Use, please contact us: