Terms & Conditions

1. Acceptance of Terms

By accessing or using this website, submitting any form, or communicating with The Conrad Team through any channel linked from this site, you agree to be bound by these Terms & Conditions.

If you do not agree with any part of these terms, please do not use this website or submit any information through its forms.

2. Website Use

This website is intended to provide general information about mortgage services offered by The Conrad Team, powered by Cornerstone First Mortgage, and to allow prospective clients to submit inquiries.

You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others. You agree not to:

• Submit false or misleading information through any form on this site
• Attempt to gain unauthorized access to any part of this website or its systems
• Use this website in any way that could damage, disable, or impair its operation
• Use automated tools to scrape, crawl, or collect data from this site without permission

3. No Guarantee / Informational Only

All content on this website is provided for informational purposes only. Nothing on this site constitutes financial, legal, or professional advice. Information about loan products, rates, programs, or mortgage services is subject to change without notice and may not reflect current availability.

Results described on this website are illustrative only and are not a guarantee of any specific outcome for any individual situation. You should consult a licensed mortgage professional before making any financial decisions.

4. No Commitment to Lend

Submitting an inquiry through this website does not constitute a loan application and does not create any obligation on the part of The Conrad Team or Cornerstone First Mortgage to provide financing.

All loans are subject to credit approval, underwriting review, property qualification, and applicable program guidelines. Cornerstone First Mortgage, NMLS #173855, is an equal housing lender. This is not an offer to extend credit or a commitment to lend.

5. Accuracy of Information

We strive to keep the information on this website accurate and up to date. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of any information on this site.

Interest rates, loan products, and program details are subject to change without notice. Any reliance you place on information from this website is strictly at your own risk.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and page design, is the property of The Conrad Team and/or Cornerstone First Mortgage and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this site without prior written permission.

7. Third-Party Links

This website may contain links to third-party websites for your convenience. These links do not constitute an endorsement of the content, products, or services on those sites.

We have no control over the content or practices of third-party websites and accept no responsibility for them. We encourage you to review the terms and privacy policies of any external sites you visit.

8. Limitation of Liability

To the fullest extent permitted by law, The Conrad Team and Cornerstone First Mortgage shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or any content or services obtained through it.

This includes but is not limited to damages for loss of data, loss of profits, or any other commercial or personal loss, even if we have been advised of the possibility of such damages.

9. SMS Terms and Mobile Communications

By providing your mobile phone number and submitting a form on this website, you consent to receive recurring SMS text messages from The Conrad Team related to your mortgage inquiry, follow-up steps, and related communications.

• Message frequency varies depending on your inquiry and the status of your review.
• Message and data rates may apply based on your mobile carrier plan.
• To opt out of SMS messages at any time, reply STOP to any message you receive from us.
• To request help or more information, reply HELP to any message.
• Consent to receive SMS messages is not a condition of purchasing any product or service.

Mobile opt-in data and SMS consent are not shared with third parties or affiliates for marketing or promotional purposes.

10. Opt-Out Instructions

You may opt out of any type of communication from The Conrad Team at any time:

• SMS: Reply STOP to any text message from us
• Email: Click the unsubscribe link in any email, or contact us directly to request removal
• Phone: Ask to be removed from our contact list during any call

11. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information, including how we handle SMS consent data and mobile opt-in information.

12. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions.

Any disputes arising from your use of this website or these terms shall be subject to the exclusive jurisdiction of the courts located in Cuyahoga County, Ohio.

13. Contact Information

If you have any questions about these Terms & Conditions, please contact us: