Updated September 16, 2025

Welcome to DDS Refinance!

This is a legal agreement (“Agreement”) between you and DDS Refinance (“DDS Refinance,” “we,” “us,” or “our”). By accessing our website (the “Site”) and using any of our services (the “Services”), you agree to and are bound by the terms and conditions of this Agreement for as long as you continue to use the Site or Services.

IF YOU DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, DO NOT USE THE SITE OR THE SERVICES.

This Agreement may be updated by DDS Refinance at any time without prior notice. Your continued use of the Site or Services after revisions are posted constitutes your acceptance of such revisions.

1. Defined Terms

• DDS Refinance: Refers to our business, which provides pre-qualification assessments and referrals to third-party lenders for refinancing opportunities.
• Services: The pre-qualification tools, referral services, and informational resources made available through our Site.
• User: Any individual or business accessing or using our Site or Services.
• Lender: A third-party financial institution we may refer you to. DDS Refinance is not a lender.

2. Our Services

DDS Refinance is not a bank, credit union, or lender. We do not originate, underwrite, or fund loans. Instead, we:

• Provide pre-qualification assessments based on the information you supply.
• Refer you to lenders who may be able to offer refinancing products.
• Help streamline the process of identifying potential lenders for your needs.

Important: Any loan approval, rate, or funding is solely determined by the lender. DDS Refinance does not guarantee financing, approval, or specific loan terms.

3. Use of Site and Services

As a user of our Site or Services, you agree:

• To provide accurate and complete information when using our pre-qualification tools.
• That you are at least 18 years old and legally capable of entering into contracts.
• To use the Site and Services only for lawful, business-related purposes.
• That DDS Refinance is not responsible for the actions, terms, or decisions of any lender to whom you may be referred.

4. Proprietary Rights

All content on the Site (text, graphics, logos, software, etc.) is owned by DDS Refinance or its licensors. You may not copy, distribute, or create derivative works without prior written consent.

5. Privacy Policy

Our Privacy Policy describes how we collect, use, and protect your information. By using our Services, you consent to the practices described in the Privacy Policy.

6. Links to Third-Party Websites

Our Site may contain links to third-party lender websites or other resources. DDS Refinance is not responsible for the content, products, or services provided by third parties. Any dealings you have with third-party lenders are strictly between you and that lender.

7. Disclaimer of Warranties

DDS Refinance provides the Site and Services on an “as is” and “as available” basis. We make no warranties regarding the accuracy, reliability, completeness, or suitability of the Site or Services. We do not warrant that:

• Pre-qualification will lead to loan approval,
• Any lender will offer you financing, or
• Any terms or conditions provided by lenders will meet your needs.

8. Limitation of Liability

To the fullest extent permitted by law, DDS Refinance is not liable for any direct, indirect, incidental, or consequential damages arising from:

• Your use or inability to use the Site or Services,
• Your interactions with third-party lenders, or
• Any reliance on information provided through our Site.

9. Indemnification

You agree to indemnify and hold harmless DDS Refinance and its employees, agents, and affiliates from any claims, damages, or expenses arising out of your use of the Site, your violation of this Agreement, or your dealings with third-party lenders.

10. Consent to Electronic Communications

By using our Site, you consent to receive communications from us electronically. We may contact you via email or phone regarding your pre-qualification, referral, or other Services.

11. Term and Termination

This Agreement remains in effect as long as you use the Site or Services. DDS Refinance may suspend or terminate access at any time without notice.

12. General Provisions

• Governing Law: This Agreement is governed by the laws of the State of Ohio.
• Entire Agreement: This Agreement and our Privacy Policy constitute the entire agreement between you and DDS Refinance.
• Severability: If any provision of this Agreement is found unenforceable, the remaining provisions will remain valid.