These Terms of Service ("Terms") govern your use of the website located at brakedebt.com (the "Site"), operated by Boring Media Network LLC ("Boring Media," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
01 What We Do
The Site provides general information about cash-out refinance and home equity options and lets you submit a questionnaire requesting information. Based on your responses, we may connect you with one or more mortgage refinance partners who can discuss your situation with you. We do not provide mortgage, financial, legal, or tax advice.
02 No Guarantee of Eligibility or Outcomes
Information on the Site is for general educational purposes and may not reflect current rates, program availability, or eligibility requirements, which change frequently and vary by lender, credit profile, property, loan amount, and other factors. Any equity or cash-out estimates shown on the Site are illustrative only and are based on the information you provide. Nothing on the Site is a commitment to lend, a guarantee of approval, or a promise that you qualify for any specific rate, refinance, or amount. Eligibility and your actual rate can only be determined by a participating lender.
03 Consent to Be Contacted
When you submit our form and provide consent, you authorize Boring Media Network LLC and the mortgage refinance partner matched to your request to contact you at the phone number and email you provide, including by automatic telephone dialing systems, artificial or prerecorded voice messages, automated and AI-assisted SMS/MMS text messages, and email, for marketing purposes — even if your number is on a Do Not Call list. A current list of our marketing partners is available on our Marketing Partners page.
Your consent is not a condition of purchasing any goods or services. You may revoke consent at any time by replying STOP to any text message, unsubscribing from any email, or contacting us directly. See our Privacy Policy for details on how we handle your information.
04 Your Responsibilities
- You must be at least 18 years old and provide accurate information.
- You must only submit your own contact information, or information you are authorized to provide.
- You may not use the Site for any unlawful purpose or in any way that could damage or impair the Site.
05 Third-Party Partners
If you are connected with a mortgage refinance partner, your interactions with that partner are governed by that partner's own terms and privacy practices. We are not responsible for the products, services, conduct, or communications of any third-party partner.
06 Intellectual Property
The Site and its content are owned by or licensed to Boring Media Network LLC and are protected by applicable laws. You may not copy, reproduce, or distribute Site content without our permission.
07 Disclaimers
The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.
08 Limitation of Liability
To the fullest extent permitted by law, Boring Media Network LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss arising out of your use of the Site or your interactions with any third-party partner.
09 Indemnification
You agree to indemnify and hold harmless Boring Media Network LLC from any claims, damages, or expenses arising from your use of the Site or your violation of these Terms.
10 Changes to These Terms
We may update these Terms from time to time. Changes are effective when posted to this page with a revised effective date. Your continued use of the Site constitutes acceptance of the updated Terms.
11 Governing Law
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles.