Terms and Conditions

Welcome to Morgan Financial. These Terms and Conditions govern your use of the Morgan Financial website located at www.morganfinancial.net and any related online services provided through the website.

By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not use this website.

For purposes of these Terms and Conditions, “Morgan Financial,” “we,” “us,” and “our” refer to DYBN Financial Corp d/b/a Morgan Financial, and “you” and “your” refer to the person using this website.

1. Website Use

You may use this website for lawful, personal, and non-commercial purposes only. You agree not to use this website:

• In any way that violates applicable federal, state, or local law or regulation
• To transmit or submit false, misleading, or fraudulent information
• To interfere with or disrupt the website or its security
• To attempt to gain unauthorized access to any part of the website, server, or systems
• To copy, reproduce, distribute, or exploit website content except as permitted by law or with our prior written consent

We reserve the right to restrict or terminate your access to the website if we believe you have violated these Terms and Conditions or applicable law.

2. No Financial, Legal, or Mortgage Commitment

The information provided on this website is for general informational purposes only and is not intended to constitute legal, tax, financial, mortgage, underwriting, or other professional advice.

Information on this website does not constitute:

• A commitment to lend
• A loan approval or preapproval
• An offer to enter into any loan program
• A guarantee of rates, terms, eligibility, or loan availability

All loan applications are subject to credit approval, underwriting review, verification of information, appraisal, title review, and applicable program guidelines. Not all applicants will qualify.

3. Services Provided

This website may provide information about mortgage-related products, services, educational resources, contact forms, appointment scheduling, and other business-related services offered by Morgan Financial.

Any products or services described on this website may not be available in all states, to all consumers, or under all circumstances. Eligibility for any mortgage product or service is subject to applicable law and program requirements.

4. Privacy

Your use of this website is also subject to our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand how we collect, use, and protect information submitted through this website.

5. Communications Consent 

By submitting your contact information through this website, including through any form, application, scheduling tool, chat feature, or other contact method, you expressly consent to receive communications from Morgan Financial at the email address and telephone number you provided, including calls and text messages.

These communications may include informational, transactional, marketing, or promotional messages regarding mortgage products, services, appointments, follow-up, or related topics. Calls and text messages may be sent using automated technology, including an automatic telephone dialing system, artificial voice, prerecorded voice, or SMS/MMS messaging, to the extent permitted by applicable law.

Your consent to receive marketing communications is not a condition of purchasing any goods or services from Morgan Financial.

You may opt out of text messages at any time by replying STOP to any text message. You may also revoke consent by contacting us through another reasonable method. We will honor opt-out requests as soon as reasonably practicable and within the time required by applicable law. We may send a final message confirming your opt-out.

Message frequency may vary. Message and data rates may apply depending on your wireless carrier and plan.

You represent that the contact information you provide is accurate and that you are authorized to provide consent for the phone number and email address submitted.

6. Intellectual Property

All content on this website, including text, graphics, logos, icons, images, videos, audio, downloads, software, design elements, layout, and other materials, is owned by or licensed to Morgan Financial and is protected by applicable intellectual property laws.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the website for personal, non-commercial use only. You may not:

• Republish website material
• Sell, rent, or sublicense website material
• Reproduce, duplicate, or copy website material for commercial purposes
• Redistribute website content except as specifically permitted by us in writing

“Morgan Financial” and associated names, logos, and branding may not be used without prior written permission.

7. Accuracy of Information

We strive to keep the information on this website accurate and current. However, we do not guarantee that all information is complete, accurate, current, or error-free.

Mortgage guidelines, rates, loan programs, market conditions, and regulatory requirements may change without notice. Any reliance you place on website content is at your own risk.

8. Third-Party Links

This website may contain links to third-party websites or services that are not owned or controlled by Morgan Financial. These links are provided for convenience only.

Morgan Financial is not responsible for the content, terms, privacy practices, security, availability, or accuracy of any third-party website. Your use of any third-party website is at your own risk and subject to that third party’s terms and policies.

9. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Morgan Financial disclaims all warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that:

• The website will always be available, secure, or error-free
• Defects will be corrected
• The website or server is free of viruses or other harmful components
• The results of using the website will meet your expectations

10. Limitation of Liability

To the fullest extent permitted by law, Morgan Financial shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of, or inability to use, this website.

To the fullest extent permitted by law, Morgan Financial’s total liability for any claim arising out of or relating to the website or these Terms and Conditions shall not exceed the amount, if any, you paid to use the website.

Nothing in these Terms and Conditions is intended to exclude liability that cannot be excluded under applicable law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Morgan Financial, its affiliates, officers, directors, employees, agents, and service providers from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys’ fees, arising out of or related to:

• Your use of the website
• Your violation of these Terms and Conditions
• Your violation of any law or the rights of another person
• Any false, inaccurate, or misleading information submitted by you through the website

12. Availability and Geographic Scope

Unless otherwise stated, the products and services described on this website are intended for residents of the United States. Information on this website may not be appropriate or available for use in other jurisdictions.

Users who access the website from outside the United States do so at their own initiative and are responsible for compliance with local laws, if and to the extent those laws apply.

13. Modifications to These Terms

We may update or modify these Terms and Conditions at any time by posting the revised version on this website. Any changes will be effective when posted unless otherwise stated.

Your continued use of the website after updated Terms and Conditions are posted constitutes your acceptance of the revised Terms and Conditions.

14. Termination

We reserve the right to suspend, restrict, or terminate your access to the website or any portion of it at any time, without notice, for any lawful reason, including if we believe you have violated these Terms and Conditions.

Any provisions that by their nature should survive termination will survive, including but not limited to provisions regarding intellectual property, disclaimers, limitation of liability, indemnification, and governing law.

15. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.

Any dispute arising out of or relating to these Terms and Conditions or your use of the website shall be resolved in the appropriate state or federal court located in Florida, unless otherwise required by applicable law.

16. Contact Information

If you have questions about these Terms and Conditions, you may contact us at:

Morgan Financial
Email: info@morganfinancial.net
Phone: 321-757-3570
Website: www.morganfinancial.net