UnionSmart Disclaimer Information

Absolutely, no part of this website may be copied, altered, or updated without the express written consent of the UnionSmart owners. The information on this website is provided by UnionSmart as a service to its customers and may be used for informational purposes only.

INFORMATION ON THIS WEB SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE ACQUISITION OF INFORMATION OF ITS CUSTOMER(S), WHICH IS KEPT PRIVATE AND NOT DISBURSED TO ANY OTHER COMPANY WITHOUT CONSENT OF THE CUSTOMER(S).

UnionSmart.com is a national reverse mortgage information and referral service free to seniors. UnionSmart.com is not a lender or government agency. Estimated payouts are based on industry average only and do not represent an offer to lend. UnionSmart.com function is to provide seniors with general information on reverse mortgages and pass on their request and contact information to HUD approved reverse mortgage lenders that can assist them with a reverse mortgage in their city and state. Seniors are only directed to reverse mortgage consultants that are licensed to do reverse mortgages in the state where it is being requested. For specifically the State of North Carolina you can check the web site of www.nccob.org for the list of approved reverse mortgage lenders for that State. The UnionSmart web site and any of its employees can not provide specific advice or specific information on reverse mortgages. The UnionSmart's function is to provide free assistance to seniors or anyone interested in reverse mortgages in getting them to a qualified representative that specializes in HUD reverse mortgages in their area they live in. If a senior requests more information or submits a "Calculate New Amout" on the UnionSmart.com home page, UnionSmart.com will refer the request to a professional reverse mortgage consultant that is approved by HUD to offer HUD reverse mortgages in that state. UnionSmart.com is compensated by reverse mortgage lenders.

Information on this website may contain technical inaccuracies or typographical errors. Information may be changed or updated without notice. UnionSmart may also make improvements and/or changes in the products and/or the programs described in this information at any time without notice.

UnionSmart collects confidential or proprietary information from its customers through forms located on our website. Please note that any information or material provided to UnionSmart will be deemed confidential. By sending UnionSmart any information or material, you grant UnionSmart an unrestricted, irrevocable license to use, reproduce, transmit and distribute those materials or information to affiliate companies for purposes of supplying appropriate funding, and you also agree that UnionSmart is free to supply company information and details that are necessary to accommodate your requests. However, we will not release your name and personal information or otherwise publicize the fact that you submitted materials or other information to us unless: (a) we ask your permission to use your name; or (b) we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it; or (c) we are required to do so by law.

UnionSmart makes no representations whatsoever about any other website which you may access through this one. When you access a non-UnionSmart website please understand that it is independent from UnionSmart and that UnionSmart has no control over the content on that website. In addition, a link to a non-UnionSmart website does not mean that UnionSmart endorses or accepts any responsibility for the content or the use of such website. It is up to an individual to take precautions to ensure that whatever is selected for use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

UNDER NO CIRCUMSTANCES WILL UnionSmart BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WEBSITE, OR ON ANY OTHER HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

UnionSmart displays retargeted ads to our site prospects across the Internet. We collect Non-Personally Identifiable Information about your visits to our website, and your interaction with our products and services. The anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major web sites. No Personally Identifiable Information is collected during in this process. If you do not want UnionSmart to collect this information, you may opt out of their service. Opting out will not affect your use of our site. To Opt-out of retargeting, please click here.”