Terms of Service

Effective date: April 1, 2026

1. Agreement

These Terms of Service (“Terms”) are a binding agreement between you and LF Media Inc (“Mortgage Benefit Match,” “we,” “us”) governing your use of https://mortgagebenefitmatch.com and any forms, tools, and communications we provide (the “Services”). By accessing the Services or submitting a form, you accept these Terms. If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old, a legal resident of the United States, and legally able to enter into a contract. You must be an owner of the property you inquire about, or authorized to act on the owner's behalf.

3. We are not a lender; this is not an offer of credit

LF Media Inc is a marketing company. We are not a lender, mortgage broker, or insurer. We do not originate loans, make credit decisions, set rates, or approve applications. The Services collect information you provide and transmit it to the lending network and partners identified on our Marketing Partner List.

Nothing on the Services is a commitment to lend, an offer of credit, a loan approval, a rate lock, or an appraisal of property value. Any figures shown — including estimated equity — are illustrative estimates derived solely from the ranges you selected. Actual terms depend on a complete application, verification of income and assets, a credit review, an appraisal or other valuation, and underwriting approval by a lender, and are subject to program availability and change without notice.

4. Your information and consent

You represent that all information you submit is accurate, current, and complete, and that the telephone number and email address you provide belong to you and that you are authorized to receive communications at them. If a number you provide is reassigned or is no longer yours, you will notify us promptly.

If you checked the consent box, you provided express written consent to be contacted by us and by the companies on our Marketing Partner List using automatic telephone dialing systems, artificial or prerecorded voice, text message, and email. That consent is not a condition of purchasing any property, goods, or services and may be revoked at any time as described in our Privacy Policy.

5. Electronic communications and signatures

You consent to receive disclosures, notices, and agreements electronically, and you agree that your electronic submissions and check-box selections constitute your signature under the federal E-SIGN Act and applicable state law. To receive and retain electronic records you need a device with internet access, a current browser, and the ability to print or save pages. You may withdraw consent to electronic delivery by contacting us, which may end your ability to use the Services online.

6. Acceptable use

You agree not to:

7. Intellectual property

The Services, including all text, design, graphics, logos, and software, are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for your personal, non-commercial use. All rights not expressly granted are reserved.

8. Third-party sites and partners

The Services transmit your information to third parties and may link to their websites. We do not control and are not responsible for their content, products, rates, terms, lending decisions, privacy practices, or communications. Your dealings with any third party are solely between you and that party.

9. Fair lending and licensing

We support the Federal Fair Housing Act and the Equal Credit Opportunity Act, which prohibit discrimination in housing and credit transactions. Because LF Media Inc does not originate loans or broker credit, we do not hold a mortgage lender or broker license and are not registered with the Nationwide Multistate Licensing System. Lending decisions, rates, and terms are made solely by the licensed lenders in our partner network. Products are not available in all states, and programs, rates, terms, and conditions are subject to change without notice.

10. Disclaimer of warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY ESTIMATE OR INFORMATION PROVIDED IS ACCURATE OR COMPLETE. Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATING TO THE SERVICES. OUR TOTAL AGGREGATE LIABILITY WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). Some jurisdictions do not allow these limitations, so parts of this section may not apply to you.

12. Dispute resolution and arbitration

Please read this section carefully — it affects your legal rights. Except for claims that qualify for small claims court and claims for injunctive relief regarding intellectual property, you and we agree to resolve any dispute arising out of or relating to these Terms or the Services through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in San Diego County, California. You and we waive the right to a jury trial and to participate in a class action.

Your right to opt out: you may reject this arbitration agreement by sending written notice to LF Media Inc, 9921 Carmel Mountain Rd #425, San Diego, CA 92129, or by email to admin@lightfootglobal.com, within 30 days of first accepting these Terms, stating your name, address, and intent to opt out. Opting out will not affect any other part of these Terms.

13. Indemnification

You agree to indemnify and hold harmless LF Media Inc and its officers, directors, employees, and agents from any claim, loss, or expense (including reasonable attorneys' fees) arising out of your breach of these Terms, your misuse of the Services, or your submission of information you were not authorized to provide.

14. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason. Sections 7 and 10 through 15 survive termination.

15. Governing law and miscellaneous

These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs Section 12. If any provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. These Terms, together with the Privacy Policy, are the entire agreement between us regarding the Services.

16. Contact

LF Media Inc
9921 Carmel Mountain Rd #425
San Diego, CA 92129
admin@lightfootglobal.com