Terms of Service

Introduction

Welcome to mer1loans.com (the “Website”). By accessing or using the Website, you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use the Website.

About this Website

The Website is operated by Merchant One Financial LLC (NMLS #1469870), a Florida mortgage broker. Merchant One Financial LLC is the company that receives and responds to inquiries submitted through the Website.

Use of the Website

The Website is intended for general informational purposes and to allow you to contact Merchant One Financial LLC about your mortgage inquiry.

You must be at least 18 years old to use this Website.

The information provided on the Website is not financial advice. Consult with a qualified financial professional before making any financial decisions.

Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and disclose your personal information. By using the Website, you consent to the practices described in the Privacy Policy.

TCPA Compliance

By using the Website and providing your contact information, you consent to receiving calls and SMS text messages related to your mortgage inquiry. Message frequency may vary. You may opt-out of receiving SMS messages at any time by replying “STOP” to any message received.

Disclaimer

Information on the Website is general in nature. It is not a commitment to lend and does not guarantee approval, rates or terms. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms are subject to change without notice.

We make no representations or warranties regarding the accuracy or completeness of the information provided on the Website.

Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your use or inability to use the Website; (b) any unauthorized access to or use of our servers and/or any personal information stored therein; (c) any interruption or cessation of transmission to or from the Website; (d) any bugs, viruses, trojan horses, or the like that may be transmitted to or through the Website by any third party; or (e) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the Website, whether based on warranty, contract, tort, or any other legal theory, and whether or not we are advised of the possibility of such damages.

Modifications

We reserve the right to modify or revise these Terms of Service at any time. Your continued use of the Website after any changes indicate your acceptance of those changes.

Contact Us

If you have any questions or concerns regarding these Terms of Service, you may contact us at info@mer1loans.com or 800-794-0441.

Updated September 30, 2026 to correctly identify Merchant One Financial LLC as the operator of this Website and to remove an inaccurate statement that the Website does not act as a mortgage broker. Page formatting was also updated.