Introduction

Welcome to Morgan Financial.

Morgan Financial is a registered trademark name of DYBN Financial Corp (“us”, “we”).

These terms and conditions outline the rules and regulations for the use of Morgan Financial’s Website, located at www.morganfinancial.net. By accessing this website, we assume you accept these terms and conditions. Do not continue to use the Website if you do not agree to all the terms and conditions stated on this page.

Intellectual Property Rights

All content on this Website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the exclusive property of Morgan Financial and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

The design, layout, look, appearance, and graphics of the Website are also protected by intellectual property rights owned by Morgan Financial. All trademarks, logos, and service marks (collectively, the “Trademarks”) displayed on the Website are registered and unregistered Trademarks of Morgan Financial and are protected by applicable trademark laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website for your personal, non-commercial use, provided that you comply fully with these Terms and Conditions.

You must not:

Republish material from Morgan Financial

Sell, rent, or sub-license material from Morgan Financial

Reproduce, duplicate, or copy material from Morgan Financial

Redistribute content from Morgan Financial

Services Provided

“Services” under these Terms of Use include financial services for consumers and businesses and business services offered to you directly by us. It does not include any additional services available to you from independent third-party service providers accessed through navigation from the Website.

Privacy Policy

See the Morgan Financial Privacy Policy for more information.

Our Communications With You

(TCPA Consent for United States Residents)

BY SUBMITTING YOUR CONTACT INFORMATION, YOU ARE PROVIDING YOUR EXPRESS WRITTEN CONSENT TO RECEIVE COMMUNICATIONS FROM US AT THE EMAIL ADDRESS AND TELEPHONE NUMBERS YOU ENTERED INTO OUR CONTACT FORM, OR THAT YOU LATER PROVIDE TO US OR ENTER INTO YOUR CONTACT PAGE.

E-MAILS, CALLS, AND TEXTS. THESE COMMUNICATIONS MAY INCLUDE TELEMARKETING MESSAGES, THROUGH THE USE OF EMAIL, LANDLINE PHONE, FAX, CELLULAR PHONE, AND TEXT MESSAGES (INCLUDING SMS AND MMS).

WE MAY USE AN AUTOMATIC TELEPHONE DIALING SYSTEM (OR “AUTO-DIALER”), WHICH MAY EMPLOY AN ARTIFICIAL OR PRE-RECORDED VOICE OR “ROBOTEXTS.” YOUR CARRIER’S STANDARD RATES AND CHARGES MAY APPLY.

AGREEING TO THESE COMMUNICATIONS IS NOT A CONDITION OF PURCHASING ANY PROPERTY, GOODS, OR SERVICES FROM US.

YOU MAY REVOKE YOUR CONSENT TO RECEIVE COMMUNICATIONS AT ANY TIME BY REPLYING “STOP” TO ANY OF OUR TEXTS, OR BY ANY OTHER REASONABLE MEANS. WE WILL MAKE A COMMERCIALLY REASONABLE EFFORT TO COMPLY WITH ANY COMMUNICATIONS FROM YOU OPTING OUT, BUT REPLY “STOP” WILL AUTOMATICALLY UNSUBSCRIBE YOU, AND WE RECOMMEND THAT METHOD. WE MAY TAKE UP TO 30 DAYS TO STOP COMMUNICATIONS IF YOU USE A METHOD OTHER THAN THE AUTOMATIC REPLY “STOP.” YOU CONSENT TO RECEIVE A FINAL TEXT MESSAGE CONFIRMING YOUR OPT-OUT.

HOW OFTEN WE SEND YOU COMMUNICATIONS WILL VARY, BECAUSE THE INDIVIDUAL SALESPERSON OR REALTOR WHO COMMUNICATES WITH YOU WILL DETERMINE IT.

Your consent here also serves as your express written consent to your past receipt of electronic communications from us.

You represent and warrant that:

You are at least 18 years old

You live in the United States

You have not registered on a national or statewide Do Not Call list

You are the account holder for the email addresses and phone numbers you provided, or you have authorization from the account holder to give this consent

The email addresses and phone numbers you provided are accurate, and you will let us know if you release them to another person or individual

Our mobile service is available only in certain states. Certain mobile features may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues.

User Comments

This Agreement shall begin on the date hereof.

Certain parts of this website offer the opportunity for users to post and exchange opinions and information in certain areas of the website. Morgan Financial does not filter, edit, publish, or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of Morgan Financial, its agents, or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, Morgan Financial shall not be liable for the Comments or for any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Disclaimers

We use reasonable measures to ensure the accuracy of information on our website but do not monitor third-party submissions, which may be inaccurate or outdated. To the extent permitted by law, we disclaim all warranties (express or implied) regarding the accuracy of any information on the website. We do not guarantee the website will be error-free and are not liable for any errors or omissions.

Our services are provided “as is,” without any warranty of any kind, including implied warranties of merchantability or fitness for a particular purpose, except where such warranties cannot be excluded by law.

We do not guarantee uninterrupted or error-free service and disclaim any warranty regarding the results obtained from using our services or site. We are not responsible for third-party content or linked sites. We are not liable for any loss, property damage, or bodily injury resulting from access or use of our services or site. To the fullest extent permissible by law, we are not liable for any direct, indirect, special, consequential, economic, or other damages arising from the use of our services, site, or related software, including issues caused by computer viruses.

Third-Party Links

The Webite may contain links to Web sites controlled or offered by third parties (non-affiliates of Morgan Financial). Morgan Financial hereby disclaims liability for any other company’s Web site content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of Morgan Financial. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.

Modification of Terms

Morgan Financial reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Website. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Terms of Use, including accessing the Website, you agree to be bound by the rules contained in the most recent version of this Agreement.

Morgan Financial reserves the right to modify or terminate the Services and the Website or to terminate your access to the Services and Website, in whole or in part, at any time. These Terms of Use constitute a contract between you and Morgan Financial.

Governing Law and Dispute Resolution

Unless otherwise specified, the products and services described on this Website are available only to US residents. The information on this Website is directed only at US residents and may not comply with laws of any other country and any person who accesses this Website from outside of the US is responsible for compliance with local laws, if applicable. These terms and conditions shall be governed by and construed in accordance with US law. If you have any concern or dispute about the Website or Service, you agree to first try to resolve the dispute informally by contacting Morgan Financial.

Contact Information

You may contact us by emailing [email protected] or calling 321-757-3570.

Termination

We may terminate your access to the company Website and the services within it at any time. All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any rea