These Terms govern your access to VA Refi Clinic, a website operated by Consumer EnGauge. By using the site or submitting an inquiry, you agree to these Terms.
1. Marketing and referral service
Consumer EnGauge is a marketing and lead facilitation service. We are not a lender, mortgage broker, or government agency. We connect consumers with independent, licensed mortgage lenders.
2. No loan commitment
Site content is informational and is not a loan offer, commitment, approval, or guarantee. Rates, savings, terms, and program availability depend on the lender, VA eligibility, credit, income, property, appraisal, and underwriting.
3. Eligibility and accurate information
You must be at least 18 and legally able to enter a contract. You agree that information you submit is true, accurate, current, and complete.
4. Consent to contact
If you check the consent box and submit the form, your consent is governed by the exact TCPA disclosure shown with the form. Consent is not a condition of purchasing any product or service and may be revoked as described there.
5. Intellectual property and conduct
Site text, branding, graphics, and software are owned by or licensed to Consumer EnGauge. You may not misuse the site, submit fraudulent information, scrape content, or attempt unauthorized access.
6. Disclaimer and limitation
THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT ALLOWED BY LAW, CONSUMER ENGAUGE IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM SITE USE OR A THIRD-PARTY LOAN PRODUCT.
7. Government non-affiliation
VA Refi Clinic and Consumer EnGauge are not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs, the Department of Defense, or any government agency.
8. Governing law and updates
These Terms are governed by applicable United States law. We may update them periodically; continued use after an update constitutes acceptance.