Terms of Service
Effective Date: June 25, 2025
Another Lender ("we," "our," or "us") is operated by Growella Inc, 1311 Vine Street, Cincinnati, OH 45202. Phone: (513) 824-8171. Growella Inc is a Delaware C-Corp.
These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our website or use our services.
Eligibility and Age Requirements
Our website provides mortgage information and services intended for users who are at least 18 years old. By using this website, you represent and warrant that:
- You are at least 18 years of age
- You have the legal capacity to enter into these Terms
- You are not prohibited from using our services under applicable law
- You will use our services in compliance with all applicable laws and regulations
Description of Services
Another Lender is a directory service that provides information about mortgage loan programs and connects users with potential lenders. Our services include:
- Educational content about various mortgage loan programs
- Directory listings of lenders and mortgage professionals
- Information about loan requirements and eligibility criteria
- Contact information for featured lenders and mortgage loan officers
- Optional notification services for new products or services
User Registration and Accounts
We do not require user registration for access to our basic services. However, users may optionally request to be notified when new products or services are added to our directory. When you provide contact information for notifications, you agree to:
- Provide accurate and complete information
- Maintain the security of your contact information
- Promptly update your information if it changes
- Accept responsibility for all activities that occur using your contact information
Acceptable Use Policy
You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to:
- Use our services for any illegal or unauthorized purpose
- Violate any applicable laws or regulations
- Infringe upon the rights of others
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt our services or servers
- Use automated systems to access our services without permission
- Transmit viruses, malware, or other harmful code
- Engage in any activity that could damage or impair our services
No Financial or Legal Advice
Important Disclaimer
The information provided on this website is for informational and educational purposes only and does not constitute financial, legal, or professional advice. We are not a mortgage lender, are not affiliated with any government agency, and do not endorse any specific lender, product, or service.
Always consult with qualified professionals before making financial decisions. The information on our website should not be relied upon as a substitute for professional advice from licensed mortgage professionals, financial advisors, attorneys, or other qualified experts.
AI-Generated Content
Some content on our website may be generated or assisted by artificial intelligence (AI) technologies. While we strive for accuracy and quality, AI-generated content may contain errors, omissions, or inaccuracies. You acknowledge and agree that:
- AI-generated content is provided "as is" without warranties of any kind
- You should verify any information before relying on it
- We are not responsible for any decisions made based on AI-generated content
- AI content may not reflect current market conditions or regulatory requirements
Directory Service and Paid Placement
Another Lender operates as a directory service. Important information about our business model:
Paid Placement
We accept payment from lenders and mortgage professionals for placement in our directory. This means that some listings may be featured or positioned based on commercial arrangements.
No Endorsement
We do not endorse, recommend, or guarantee the services of any lender or mortgage professional listed in our directory. While we perform basic vetting of listed entities, we do not:
- Guarantee the quality or reliability of any lender's services
- Verify all claims made by listed lenders
- Monitor ongoing compliance with all applicable laws and regulations
- Assume responsibility for any transactions between users and lenders
User Responsibility
Users are responsible for conducting their own due diligence before engaging with any lender or service provider listed on our website. This includes:
- Verifying the lender's credentials and licensing
- Reading and understanding all loan terms and conditions
- Comparing multiple lenders and loan options
- Consulting with qualified professionals for advice
- Understanding all fees, rates, and costs associated with loans
Intellectual Property Rights
Our website and its content, including but not limited to text, graphics, images, logos, software, and design elements, are owned by or licensed to us and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our content without our prior written consent.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
Limitation of Liability
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GROWELLA INC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF OUR WEBSITE OR SERVICES.
Our total liability to you for any claims arising from your use of our website or services shall not exceed the amount you paid us, if any, in the twelve (12) months preceding the claim.
Disclaimer of Warranties
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that our website will be uninterrupted, secure, or error-free, or that defects will be corrected. We do not warrant the accuracy, completeness, or usefulness of any information on our website.
Indemnification
You agree to indemnify, defend, and hold harmless Growella Inc and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any rights of another person or entity
- Any content you submit or transmit through our website
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our website shall be resolved in the courts of Delaware.
Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.
Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Effective Date" at the top. Your continued use of our website after such changes constitutes acceptance of the new Terms.
Contact Information
If you have questions about these Terms of Service, please contact us:
Email: legal@growella.com
Address: Growella Inc, 1311 Vine Street, Cincinnati, OH 45202
Phone: (513) 824-8171
These Terms of Service were last updated on June 25, 2025.