Welcome to Your Financial Architect (“Financial Architect,” “we,” “our,” or “us”). By using our website, booking a consultation, or engaging with our services, you agree to the following Terms of Use and Privacy Policy. If you do not agree, please discontinue use of our website and services immediately.

1. Terms of Use

1.1 Services

Your Financial Architect provides real estate financing, commercial and residential loan consultation, mortgage lending guidance, construction/fix & flip funding, and related financial consulting services.

We partner with Flagstar Bank and other third-party lenders and financial institutions to provide tailored loan options. We do not guarantee approval, rates, or funding—all loan decisions are made by our lending partners based on their criteria and applicable laws.

1.2 No Financial or Legal Advice

Information on this website and in communications from Your Financial Architect is provided for educational and informational purposes only.

• We do not provide legal, tax, or investment advice.
• You should consult licensed professionals before making any financial decisions.
• Loan offers, rates, and eligibility are subject to change without notice.

1.3 Eligibility

By using our services, you confirm that you are:

• At least 18 years old, and
• A U.S. resident or legally authorized to apply for loans in the U.S.

1.4 Limitation of Liability

Your Financial Architect is not responsible for:

• Loan denials or changes in interest rates
• Actions or errors of third-party lenders or service providers
• Any indirect, incidental, or consequential damages arising from the use of our services or website

We provide services “as-is” without warranties, except as required by law.

1.5 Third-Party Services

Our website may link to third-party financial institutions, lenders, and mortgage partners.

• We are not responsible for the content, policies, or actions of these third parties.
• Your interactions with them are governed by their own terms and policies.

1.6 Website Use

• Do not misuse our website by transmitting harmful content or engaging in fraud.
• We may terminate access if you violate these Terms or applicable laws.

2. Privacy Policy

We respect your privacy and are committed to protecting your information.

2.1 Information We Collect

We collect information that you voluntarily provide, including:

• Name, email, phone number, and address
• Loan inquiries, consultation requests, or form submissions
• Documents required for loan prequalification (if applicable)

We may also collect:

• Website usage data (cookies, analytics)
• Device information and IP addresses for security and performance

2.2 How We Use Your Information

We use your information to:

• Respond to inquiries and provide loan consultation services
• Prequalify you with our third-party lending partners
• Send important updates, disclosures, or service-related communications
• Improve website performance and user experience

We may share your information with:

1. Third-party lenders and mortgage partners to process loan requests
2. Service providers for email, hosting, analytics, and customer communication
3. Regulatory authorities if required by law

2.3 Cookies & Tracking

Our website may use cookies, analytics, and tracking technologies (including Google reCAPTCHA) to:

• Enhance user experience
• Detect and prevent fraud
• Measure site performance

You can adjust browser settings to disable cookies, though some features may be limited.

2.4 Data Security

We implement reasonable security measures to protect your information.
However, no system is 100% secure. We are not liable for breaches beyond our reasonable control.

2.5 Your Rights

Depending on your jurisdiction, you may have the right to:

• Access or correct your personal data
• Request deletion of your data (except where retention is legally required)
• Opt out of marketing communications

To exercise these rights, contact us at [email protected].

2.6 Data Retention

We retain your data as long as necessary for:

• Providing services
• Legal compliance
• Business recordkeeping

3. Regulatory Disclosures

• NMLS ID: 353238 (Steve Vargem)
• We comply with applicable federal and state lending regulations.
• Loan products and rates are subject to lender approval and change without notice.

4. Changes to This Policy

We may update this Terms of Use & Privacy Policy at any time.
Changes take effect upon posting to our website. Continued use of our services indicates acceptance of any updated terms.

5. Contact Us

If you have questions about these Terms or our Privacy Policy, contact:
Your Financial Architect / Financial Architech
📍 5151 Corporate Drive, Troy, MI 48098
📧 [email protected]
📞 (949) 678-0178