Last updated: May 26, 2026
Andrew Steinmeyer Loan Consulting — Website Terms of Service
These Terms of Service (the “Terms,” “Agreement,” or “Terms of Service”) constitute a legally binding contract between you (“you,” “your,” or “User”) and Andrew Steinmeyer Loan Consulting (“Andrew Steinmeyer,” “we,” “us,” or “our”), governing your access to and use of the website located at andrewsteinmeyer.com and any related subdomains, mobile-optimized pages, landing pages, and online properties that link to these Terms (collectively, the “Site”), as well as any consulting, advisory, educational, referral, or support services we provide through the Site, by email, through video conferencing, or through other remote channels (collectively, the “Services”).
Please read these Terms carefully before using the Site or engaging our Services. By accessing or using the Site, creating an account, submitting a contact form, subscribing to communications, scheduling a consultation, or otherwise indicating your acceptance, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Site or Services.
We may offer additional terms, disclosures, or agreements for specific programs, promotions, or service tiers. To the extent those supplemental terms conflict with these Terms, the supplemental terms will control for the specific program or service to which they apply, unless otherwise stated in writing.
Your use of the Site constitutes your electronic signature and affirmative acceptance of these Terms, equivalent to a written agreement under applicable U.S. law, including the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and state analogues such as the Uniform Electronic Transactions Act (UETA), where enacted.
We reserve the right to refuse access to the Site or Services to any person or entity for any lawful reason, including violation of these Terms, suspected fraud, abusive conduct, or conduct that we reasonably believe may harm other users, our business partners, or our reputation.
If you are using the Site or Services on behalf of a business, organization, trust, or other legal entity, you represent and warrant that you have authority to bind that entity to these Terms, and references to "you" include that entity and its authorized representatives.
Certain features of the Site may require you to affirmatively check a box, click an "I agree" button, or otherwise provide explicit consent. Where such mechanisms are presented, your failure to provide consent will prevent access to those features but will not necessarily prevent access to publicly available portions of the Site, subject to these Terms.
We may update contact and notice procedures from time to time. Unless a different notice method is required by law, we may provide notices regarding these Terms by posting updates on the Site, by email to the address associated with your inquiry or account, or through other reasonable electronic means.
By using the Site, you consent to receive communications from us electronically, including emails, secure messages, and notices posted on the Site. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing, to the extent permitted by applicable law.
You are responsible for ensuring that email addresses and other contact details you provide remain current. We are not liable for non-receipt of notices caused by outdated contact information, spam filters, or mailbox settings outside our control.
These Terms are drafted in English. Any translation is provided for convenience only. In the event of conflict between a translation and the English version, the English version controls.
Andrew Steinmeyer Loan Consulting provides independent loan consulting, education, and advisory services to individuals and businesses seeking financing options in the United States. Our Services may include reviewing your stated financial goals, explaining common loan product categories, comparing illustrative terms from lenders in our professional network, assisting with preparation of application materials, coordinating introductions to third-party lenders or brokers, and providing general guidance on the borrowing process.
We are not a bank, credit union, mortgage lender, finance company, loan broker (except to the extent expressly licensed and disclosed in a particular jurisdiction), debt collector, credit repair organization, or investment adviser unless separately registered and identified as such in writing. We do not make credit decisions, extend credit, underwrite loans, fund advances, or guarantee that any lender will approve your application or offer any particular rate, term, fee, or product.
Any rates, payment examples, approval timelines, or product descriptions presented on the Site, in consultations, or in written summaries are for informational and educational purposes only. Actual offers depend on lender policies, your creditworthiness, income, collateral, regulatory requirements, and market conditions. Lenders alone determine eligibility, pricing, and funding.
When we refer you to a third-party lender, broker, marketplace, or service provider, that relationship is between you and the third party. We may receive compensation from third parties in some circumstances, as described on the Site or in separate disclosures. Compensation arrangements do not obligate us to recommend any particular lender and do not change the fact that lending decisions are made solely by licensed financial institutions.
Our Services do not constitute legal, tax, accounting, or investment advice. You should consult qualified professionals regarding legal, tax, and accounting implications of any financing decision. We encourage you to read all loan documents, disclosures, and regulatory notices provided by lenders before signing.
Our consulting scope is defined by the specific engagement you request. We may decline to provide Services outside our expertise, where conflicts of interest exist, or where we cannot comply with applicable licensing or regulatory requirements. We will communicate scope limitations clearly when they arise.
References to a "network" of lenders describe professional relationships we maintain for comparison and referral purposes. Network membership does not guarantee that every lender will accept your application or that we will present every lender in the marketplace. You are always free to seek financing independently.
Lending and brokering activities in the United States are regulated at the federal and state levels. We comply with applicable laws governing our consulting practice. If you require services that require a specific license in your state, we will inform you whether we or a referred partner holds that license or whether you should consult a licensed provider directly.
The Site and Services are intended for users who are at least eighteen (18) years of age and who are legal residents of or located in the United States at the time of use, unless we expressly agree otherwise in writing for a specific engagement.
By using the Site, you represent and warrant that you meet the eligibility requirements above, that all information you provide is true, accurate, current, and complete, and that you will promptly update information if it changes. Providing false, misleading, or incomplete information may result in termination of Services and may violate applicable law.
If you create an account or portal access (if offered), you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately at contact@andrewsteinmeyer.com if you suspect unauthorized access or use of your account.
We may suspend or terminate accounts that remain inactive for extended periods, that are associated with fraudulent activity, or that violate these Terms, at our discretion and subject to applicable law.
Use of the Site from jurisdictions where the Site or Services are restricted or unlawful is prohibited. You are solely responsible for compliance with local laws applicable to you.
We may request identity verification before providing certain Services or before sharing sensitive comparisons. Failure to complete reasonable verification steps may limit our ability to assist you.
Business clients represent that individuals submitting information on behalf of the entity are authorized to do so and that the business is duly formed and in good standing where applicable.
Some Services are offered at no charge, such as initial informational consultations or educational content on the Site. Other Services may require payment of consulting fees, document review fees, expedited service fees, or subscription fees, as quoted in a written proposal, invoice, checkout page, or service agreement.
All fees are stated in U.S. dollars unless otherwise specified. You agree to pay all fees associated with Services you purchase, plus applicable taxes if required by law. Payment methods accepted will be disclosed at the time of purchase and may include credit card, debit card, ACH transfer, or other methods we support through our payment processors.
Unless otherwise stated in writing, consulting fees are earned when Services are performed and are non-refundable once deliverables have been provided or substantial work has commenced. If you cancel a paid engagement before work begins, we may issue a partial or full refund at our discretion, minus any non-refundable third-party costs we have incurred on your behalf.
Failure to pay amounts when due may result in suspension of Services, withholding of deliverables, and collection efforts permitted by law. You remain responsible for any costs of collection, including reasonable attorneys' fees where awarded by a court or arbitrator.
We do not charge application fees on behalf of lenders. Any application, origination, appraisal, or closing fees charged by lenders are separate from our consulting fees and are payable directly to the lender or closing agent unless otherwise arranged.
Written quotes are valid for the period stated on the quote. If no period is stated, quotes expire thirty (30) days after issuance unless we agree to extend them in writing.
If you initiate a chargeback or payment dispute without first contacting us to resolve the issue, we may suspend Services and pursue recovery of amounts owed, including fees permitted by payment network rules and law.
You agree to use the Site and Services only for lawful purposes and in accordance with these Terms. You will not use the Site to transmit malware, scrape content without permission, interfere with security features, attempt unauthorized access to systems, harass our personnel or other users, or impersonate any person or entity.
You will not submit information you do not have the right to share, including another person's Social Security number, financial statements, or credit reports, without proper authorization. You will not use our Services to misrepresent your income, employment, assets, debts, or intent in connection with any loan application.
You are responsible for reviewing all application materials before submission to lenders and for ensuring that documents you provide to us or to lenders are accurate and complete. We are not responsible for errors resulting from inaccurate information you supply.
You will not reverse engineer, copy, frame, or mirror the Site except as permitted by applicable law or with our prior written consent. You will not use our trademarks, logos, or branding without permission.
We may monitor use of the Site for compliance, security, and quality assurance in accordance with our Privacy Policy. Violations may result in immediate termination of access and referral to law enforcement where appropriate.
You may print or download reasonable portions of the Site for personal reference in connection with your financing research. Systematic downloading, data mining, or use of automated tools to extract content is prohibited without written permission.
You agree to cooperate with reasonable requests for information needed to perform consulting Services, including responding to follow-up questions and confirming receipt of lender disclosures.
The Site and its entire contents, features, and functionality—including but not limited to text, graphics, logos, icons, images, audio, video, software, calculators, templates, and the selection and arrangement thereof—are owned by Andrew Steinmeyer Loan Consulting or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use in connection with evaluating or obtaining our Services. This license does not include any right to resell, sublicense, distribute, publicly display, or create derivative works from Site content.
Our name, logos, and service marks may not be used in connection with any product or service without our prior written consent. Third-party marks appearing on the Site are the property of their respective owners.
If you submit feedback, testimonials, suggestions, or other materials to us, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, publish, and display such materials for business purposes, subject to our Privacy Policy and any separate publicity release you sign.
We respect intellectual property rights of others. If you believe content on the Site infringes your copyright, please notify us at contact@andrewsteinmeyer.com with information sufficient for us to evaluate the claim under the Digital Millennium Copyright Act (DMCA) or applicable law.
Documents you upload remain your property. You grant us a limited license to use uploaded materials solely to provide Services and as described in our Privacy Policy.
THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
We do not warrant that the Site will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Site or servers are free of viruses or harmful components. You are responsible for implementing sufficient safeguards, including antivirus and backup procedures, for your devices and data.
We do not warrant the accuracy, completeness, or timeliness of any information on the Site or provided during consultations. Financial products and regulations change frequently. You should verify all material information directly with lenders and official government sources before relying on it.
No information on the Site or provided by our consultants constitutes a promise or guarantee of loan approval, specific interest rates, savings, credit score improvement, or financial outcomes. Past client experiences described in testimonials or case studies are not indicative of future results.
Some jurisdictions do not allow exclusion of certain warranties; in those jurisdictions, the above exclusions apply only to the extent permitted by law.
Blog articles, FAQs, calculators, and downloadable guides are general educational resources. They are not tailored to your specific financial situation unless we expressly state otherwise in a signed consulting deliverable.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ANDREW STEINMEYER LOAN CONSULTING, ITS OWNER, EMPLOYEES, CONTRACTORS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOSS OF DATA, LOSS OF GOODWILL, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, OR THE SERVICES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SPECIFIC SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).
The limitations in this section apply to all causes of action in the aggregate, including claims based on lender decisions, denial of credit, changes in rates or terms, third-party conduct, delays in funding, errors in documents you approved, or reliance on educational materials we provided.
Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for fraud or willful misconduct where such limitation is prohibited.
You acknowledge that the fee limitations and liability exclusions in these Terms reflect a reasonable allocation of risk and are an essential basis of our agreement. Our Services would not be offered at current pricing without these limitations.
You agree to defend, indemnify, and hold harmless Andrew Steinmeyer Loan Consulting and its owner, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or Services; (b) your violation of these Terms; (c) your violation of any law or third-party right; (d) information you submit to us or to lenders; (e) disputes between you and any lender or third party; or (f) any loan or financial product you obtain or attempt to obtain.
We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, at your expense, and you agree to cooperate with our defense. You will not settle any claim that imposes obligations on us or admits fault on our behalf without our prior written consent.
Your indemnity obligations survive termination of these Terms and apply to claims arising from events occurring during your use of the Site or Services.
The Site may contain links to third-party websites, lender portals, calculators, credit bureaus, government resources, and social media platforms. These links are provided for convenience only. We do not control and are not responsible for the content, privacy practices, or availability of third-party sites.
Your use of third-party services is at your own risk and subject to the terms and policies of those third parties. We do not endorse any third-party product, lender, or service unless expressly stated in a signed writing.
When you leave our Site, you should review the applicable terms and privacy notices of the destination site. We are not responsible for transactions you enter into with third parties, even if we referred you to them.
Where required, we disclose material connections with third parties. Referrals do not create a fiduciary relationship between us and you unless expressly agreed in a separate written engagement letter subject to applicable law.
These Terms and any dispute or claim arising out of or relating to them, the Site, or the Services shall be governed by and construed in accordance with the laws of the United States and the laws of the State in which Andrew Steinmeyer Loan Consulting principally conducts business, without regard to conflict-of-law principles that would require application of another jurisdiction's laws.
The Federal Arbitration Act (FAA) governs the interpretation and enforcement of the arbitration agreement in Section 12 below. If the FAA does not apply to a particular dispute, state arbitration law may apply to the extent not preempted.
You agree that the United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms. You agree that courts in the United States shall have jurisdiction for matters expressly excluded from arbitration as stated below.
Nothing in these Terms is intended to waive non-waivable consumer rights under federal or state law, including certain protections under the Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, and state consumer protection statutes, as applied to lenders and other regulated parties—not to our consulting Services except as expressly stated.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
Except for disputes that qualify for small claims court or injunctive relief relating to intellectual property or unauthorized access, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable, or by another mutually agreed arbitration provider.
The arbitration shall be conducted in English, in the United States, unless the parties agree otherwise. The arbitrator may award relief available in court on an individual basis. Judgment on the award may be entered in any court having jurisdiction.
YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate proceedings or preside over any form of class or representative action.
You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by sending a written notice to contact@andrewsteinmeyer.com with your name, email, and a clear statement that you wish to opt out of arbitration. If you opt out, the arbitration provisions will not apply, but the rest of these Terms will remain in effect.
Before initiating arbitration, you agree to contact us at contact@andrewsteinmeyer.com to attempt informal resolution. If the dispute is not resolved within sixty (60) days, either party may proceed with arbitration or small claims court as permitted.
Either party may bring an individual action in small claims court if the claim qualifies. Either party may seek temporary injunctive relief in a court of competent jurisdiction to prevent unauthorized use of intellectual property or misuse of confidential information pending arbitration.
Any claim arising out of these Terms or the Services must be filed within the shortest period permitted by applicable law, but no later than one (1) year after the claim arose, unless a longer period is required by law that cannot be contracted away.
We may revise these Terms at any time by posting an updated version on the Site and updating the "Last updated" date. Material changes will be highlighted where practicable or described in a notice on the Site or by email if we have your contact information.
Your continued use of the Site or Services after the effective date of revised Terms constitutes acceptance of the changes. If you do not agree to revised Terms, you must stop using the Site and Services.
For paid engagements in progress, material adverse changes will apply to future Services unless otherwise agreed in a signed writing; prior paid work will be performed under the Terms in effect when payment was made, to the extent required by law.
We may maintain archives of prior Terms for reference. The version in effect at the time of your use governs that use.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' intent.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative.
These Terms, together with the Privacy Policy and any supplemental agreements you sign for specific Services, constitute the entire agreement between you and Andrew Steinmeyer Loan Consulting regarding the Site and Services and supersede all prior or contemporaneous understandings, whether oral or written.
You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets, or to an affiliate, with notice where required by law.
Section headings are for convenience only and do not affect interpretation.
Except as expressly stated, these Terms do not confer rights on any third party.
If you have questions about these Terms, please contact us by email at contact@andrewsteinmeyer.com. We will endeavor to respond to substantive inquiries within a reasonable time during normal U.S. business hours.
For legal notices, DMCA claims, arbitration opt-out notices, and formal dispute correspondence, please use the same email address with a clear subject line describing the nature of your communication.
We do not provide customer support by telephone or physical mail through these Terms. Email is our designated channel for Terms-related communications.