Terms of Service

Effective Date: April 2, 2026

1. Introduction

These Terms of Service ("Terms") govern your use of the website located at mortgagemaestro.site and the services provided by Mortgage Maestro, operated by Duane Buziak (DBA Duane Buziak Mortgage Maestro), located at 3302 Haydenpark Lane, Henrico, VA 23233.

By accessing or using our website, submitting a contact form, or opting in to our SMS messaging program, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. Services

Mortgage Maestro provides mortgage consultation, guidance, and lending information to individuals seeking home purchase loans, refinancing options, and related mortgage services in the Commonwealth of Virginia and other areas where we operate. Our services include providing information, answering inquiries, and connecting clients with appropriate mortgage solutions.

The information provided on our website and through our communications is for informational purposes only and does not constitute a commitment to lend, a loan approval, or a guarantee of any specific loan terms or rates.

3. SMS/Text Messaging Terms

This section governs your participation in the Mortgage Maestro SMS text messaging program.

3.1 Consent

By checking the SMS consent checkbox on our contact form and submitting the form, you expressly consent to receive SMS text messages from Mortgage Maestro at the mobile phone number you provided. These messages will relate to your mortgage inquiry and our services.

3.2 Opt-Out

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. Upon receiving your STOP request, we will send you a single confirmation message and you will no longer receive SMS messages from us unless you opt in again.

3.3 Help

For assistance or questions about our SMS program, reply HELP to any message, email us at info@mortgagemaestro.site, or call (804) 212-8663.

3.4 Message Frequency

Message frequency varies based on the nature of your inquiry and our communications. We will not send messages unrelated to your mortgage inquiry without your additional consent.

3.5 Message and Data Rates

Standard message and data rates may apply to messages sent to or received from Mortgage Maestro. Please contact your mobile carrier for details about your messaging plan and any applicable charges.

3.6 Carrier Responsibility

Mobile carriers are not liable for delayed or undelivered messages. Carrier participation and availability may vary. We are not responsible for messages that are not delivered due to carrier issues or issues with your mobile device.

3.7 Consent Not Required for Purchase

Your consent to receive SMS messages is not a condition of purchasing any goods or services from Mortgage Maestro. You may use our services without opting in to SMS communications.

3.8 Privacy

Your phone number and the information you provide will be handled in accordance with our Privacy Policy. We do not sell, rent, or share your phone number with third parties for their marketing purposes.

4. Website Use

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

5. User Responsibilities

When using our services or submitting information through our website, you agree to:

6. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. Mortgage Maestro makes no representations or warranties of any kind, express or implied, regarding the operation of our website, the accuracy of information provided, or the suitability of our services for your particular needs.

Information on our website does not constitute a loan commitment, pre-approval, or guarantee of any specific mortgage terms, rates, or availability. All mortgage products are subject to credit approval, property appraisal, and other underwriting requirements.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Mortgage Maestro, Duane Buziak, and their affiliates, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of our website or services.

Our total liability for any claim arising out of or relating to these Terms or our services shall not exceed the amount you have paid to Mortgage Maestro, if any, in the twelve (12) months preceding the claim.

8. Indemnification

You agree to indemnify, defend, and hold harmless Mortgage Maestro, Duane Buziak, and their affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of our website or services, your violation of these Terms, or your violation of any rights of a third party.

9. Intellectual Property

All content on our website, including text, graphics, logos, and design elements, is the property of Mortgage Maestro and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our written permission.

10. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, terms, or privacy practices of those websites. Your use of third-party websites is at your own risk.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Henrico County, Virginia.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our website after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

14. Contact Us

If you have questions about these Terms of Service, please contact us:

Mortgage Maestro
Duane Buziak
3302 Haydenpark Lane
Henrico, VA 23233
Phone: (804) 212-8663
Email: info@mortgagemaestro.site