Effective Date: August 31, 2026

Welcome to Team Shereen - Mortgage Wizard (“we,” “us,” “our,” or the “Company”). These Terms and Conditions (“Terms”) govern your access to and use of our website at https://teamshereen.com (the “Website”), our mortgage-related consultation services, appointment scheduling, communications, and other related services (collectively, the “Services”).

By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, please do not access or use the Website or Services.

Throughout these Terms, “you” and “your” refer to any individual who accesses or uses the Website or Services.

1. Use of the Website and Services

You agree to use the Website and Services only for lawful purposes and in accordance with these Terms.

You agree not to:

Use the Website or Services in violation of any applicable local, state, or federal law or regulation.

Attempt to gain unauthorized access to any portion of the Website, accounts, systems, or networks connected to the Website.

Interfere with or disrupt the operation, availability, or security of the Website or Services.

Upload, transmit, or distribute viruses, malicious code, or other harmful material.

Use the Website in a manner that infringes upon the rights of another person or entity.

Provide false, misleading, fraudulent, or inaccurate information.

Misrepresent your identity or your relationship with another person or entity.

We reserve the right to restrict or terminate access to the Website or Services if we reasonably believe these Terms have been violated.

2. Mortgage-Related Services

Team Shereen - Mortgage Wizard provides mortgage-related information, consultation, appointment scheduling, customer communications, and related services.

Information provided through the Website is for general informational purposes and does not constitute a guarantee of loan approval, interest rate, loan amount, financing terms, or availability of any specific mortgage product.

Mortgage eligibility, qualification, approval, interest rates, and loan terms may be subject to underwriting requirements, verification, lender requirements, creditworthiness, applicable laws, and other conditions.

Submitting information through the Website or scheduling an appointment does not create a lending commitment or guarantee approval for any mortgage product or service.

3. Accuracy of Information

When submitting information through the Website, scheduling an appointment, requesting information, or otherwise communicating with us, you agree to provide information that is accurate, current, and complete to the best of your knowledge.

You are responsible for notifying us if information you previously provided materially changes.

We are not responsible for delays, errors, or other issues resulting from inaccurate or incomplete information provided by you

.

4. Appointments and Scheduling

When scheduling an appointment with Team Shereen - Mortgage Wizard, you agree to provide accurate contact and scheduling information.

Appointment availability may vary. Appointments may be rescheduled, modified, or cancelled when reasonably necessary.

Scheduling an appointment does not constitute mortgage approval, loan approval, a rate lock, or a commitment to lend.

5. SMS Messaging Terms & Compliance

5.1 SMS Program Overview

Team Shereen - Mortgage Wizard may send SMS/text messages to individuals who have expressly opted in to receive such communications.

SMS consent may be collected through our Website, appointment scheduling forms, contact forms, application forms, or other approved consent methods.

We maintain separate consent options for:

Non-Marketing SMS Communications

Marketing and Promotional SMS Communications

You may choose to consent to one category, both categories, or neither category.

Consent to receive SMS messages is voluntary and is not a condition of purchasing or obtaining any product or service.

5.2 Non-Marketing SMS Communications

If you separately and expressly opt in to receive non-marketing SMS messages from Team Shereen - Mortgage Wizard, we may send you messages related to your interaction with us, including:

Appointment confirmations

Appointment reminders

Appointment rescheduling notifications

Service-related updates

Responses to your inquiries

Requested information

Customer support communications

Follow-up communications related to your appointment, inquiry, or service request

Other transactional or service-related communications

Message frequency may vary. Message and data rates may apply.

Reply STOP to opt out of SMS communications.

Reply HELP for assistance.

5.3 Marketing and Promotional SMS Communications

Where permitted by applicable law, carrier requirements, and messaging-provider policies, and only after you separately and expressly opt in to marketing SMS communications, Team Shereen - Mortgage Wizard may send you marketing or promotional text messages.

Such communications may include, where permitted:

Promotional updates

Special offers

Service announcements

Educational or informational content

Information regarding available services

Relevant marketing communications

Marketing SMS consent is separate from non-marketing SMS consent.

Opting in to non-marketing communications does not automatically enroll you in marketing communications.

Opting in to marketing communications does not automatically enroll you in non-marketing communications.

Message frequency may vary. Message and data rates may apply.

Reply STOP to opt out of SMS communications.

Reply HELP for assistance.

5.4 Separate SMS Consent

Marketing and non-marketing SMS consent are collected separately.

You may choose to:

Consent to non-marketing SMS communications only;

Consent to marketing SMS communications only;

Consent to both marketing and non-marketing SMS communications; or

Decline both categories.

SMS consent is optional.

Consent to receive SMS communications is not a condition of purchasing or obtaining any product or service.

SMS consent checkboxes presented on our forms are intended to be optional and separately presented based on the type of communication.

5.5 Opt-Out Instructions

You may stop receiving SMS messages at any time by replying STOP to a message from us.

After receiving your STOP request, we may send you a confirmation message confirming that your opt-out request has been processed.

After your opt-out request has been processed, you will no longer receive messages covered by the applicable SMS program unless you subsequently opt in again.

If you wish to receive SMS messages again after opting out, you may re-enroll through an available consent method.

5.6 Help and Support

For assistance with our SMS messaging program, reply HELP to any message.

You may also contact us directly:

Email: [email protected]
Phone: +1 720-501-8971

5.7 Message Frequency

Message frequency may vary depending on:

The category of SMS communications you have consented to receive;

Your appointment activity;

Your service requests;

Your inquiries;

Your communications and interactions with Team Shereen - Mortgage Wizard.

5.8 Message and Data Rates

Message and data rates may apply to SMS messages sent to you from us and messages sent by you to us.

Your mobile carrier's standard messaging and data rates may apply.

Please contact your wireless service provider if you have questions regarding your messaging or data plan.

5.9 Carrier Liability

Wireless carriers are not liable for delayed or undelivered messages.

Message delivery may be affected by your mobile carrier, device, network availability, or other circumstances outside our control.

5.10 Supported Carriers

Our SMS messaging program is intended to work with major U.S. wireless carriers and other supported mobile networks.

Availability and delivery are subject to your wireless carrier's network and policies.

5.11 SMS Privacy

Your privacy is important to us.

Information collected in connection with our SMS messaging program will be handled in accordance with our Privacy Policy and applicable privacy and messaging requirements.

We do not sell or rent your mobile number or SMS consent information to third parties for their independent marketing purposes.

Mobile opt-in data and consent collected for SMS communications will be handled in accordance with our Privacy Policy.

Please review our Privacy Policy at:

https://teamshereen.com/Privacy-Policy

5.12 SMS Terms

These SMS Messaging Terms form part of these Terms and Conditions.

The current Terms and Conditions are available at:

https://teamshereen.com/terms-and-condition

6. Email and Other Communications

If you voluntarily provide your email address or other contact information, we may use that information to:

Respond to your inquiries;

Provide information you request;

Communicate regarding appointments;

Provide service-related updates;

Provide other communications permitted by applicable law.

Where applicable, promotional email communications may include an unsubscribe mechanism.

SMS communications are separately governed by the SMS consent provisions described in Section 5.

7. Privacy Policy

Your use of the Website and Services is also subject to our Privacy Policy.

Our Privacy Policy describes how we collect, use, protect, and disclose personal information.

Please review our Privacy Policy at:

https://teamshereen.com/Privacy-Policy

8. Intellectual Property Rights

Unless otherwise stated, the Website and its content, including text, graphics, logos, images, videos, designs, service descriptions, branding, and other materials, are owned by or licensed to Team Shereen - Mortgage Wizard and are protected by applicable intellectual property laws.

You may access and use the Website for your personal, non-commercial use.

Unless you have received our prior written authorization, you may not:

Copy or reproduce Website content for commercial purposes;

Modify or create derivative works from Website content;

Republish, distribute, sell, or license Website content;

Commercially exploit Website content;

Remove copyright, trademark, or other proprietary notices.

Nothing in these Terms transfers ownership of intellectual property rights to you.

9. Third-Party Websites and Services

The Website may contain links to or integrations with third-party websites and services, including scheduling platforms, service providers, technology providers, mortgage-related service providers, or other external resources.

Third-party websites and services are governed by their own terms, privacy policies, and business practices.

We do not control and are not responsible for the content, availability, security, privacy practices, accuracy, or performance of third-party websites or services.

The inclusion of a third-party link does not necessarily constitute an endorsement of that third party.

10. User-Submitted Information

If you submit information, questions, documents, comments, or other materials through the Website or Services, you represent that you have the right to provide such information.

You agree not to submit material that is:

Unlawful;

Fraudulent;

Defamatory;

Malicious;

Infringing;

Misleading; or

Otherwise prohibited by applicable law.

Personal information submitted to us will be handled in accordance with our Privacy Policy.

11. Website Availability

We make reasonable efforts to maintain the availability and operation of the Website.

However, we do not guarantee that the Website or Services will always be:

Available;

Uninterrupted;

Error-free;

Secure; or

Free from technical problems.

The Website may occasionally be unavailable due to maintenance, upgrades, technical problems, third-party service interruptions, or circumstances outside our reasonable control.

We reserve the right to modify, suspend, or discontinue any portion of the Website or Services when reasonably necessary.

12. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Website, Website content, and Services are provided on an “as is” and “as available” basis.

We do not guarantee that:

You will qualify for a particular mortgage product;

A mortgage application will be approved;

A particular interest rate will be available;

A particular loan amount will be approved;

Any specific financing terms will be available; or

Information displayed on the Website will remain unchanged.

Mortgage products, rates, programs, and qualification requirements may change.

Nothing contained on the Website should be interpreted as a guaranteed lending offer or commitment unless expressly stated in an applicable written agreement.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Team Shereen - Mortgage Wizard and its affiliates, representatives, officers, employees, contractors, agents, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of or inability to use the Website or Services.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

14. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Team Shereen - Mortgage Wizard and its affiliates, representatives, officers, employees, agents, and service providers from claims, liabilities, damages, losses, and reasonable expenses arising from:

Your unlawful use of the Website;

Your material violation of these Terms; or

Your violation of applicable law or the rights of another person or entity.

15. Age Requirement

You must be at least 18 years of age to use Services that require you to enter into a legally binding agreement.

By using such Services, you represent that you satisfy the applicable age requirement.

16. Termination or Restriction of Access

We reserve the right to suspend, restrict, or terminate your access to all or part of the Website or Services if we reasonably determine that:

You have violated these Terms;

You have used the Website unlawfully;

Your activity creates a security or operational risk;

Your activity may harm another user or third party; or

Restriction is otherwise reasonably necessary to protect the Website, Company, users, or third parties.

17. Compliance With Applicable Law

We intend to operate our Website, Services, and communications in accordance with applicable laws and regulations.

Our SMS communications are intended to comply with applicable messaging requirements, including applicable requirements under the Telephone Consumer Protection Act (TCPA), carrier requirements, and messaging-provider policies.

Nothing in these Terms limits any rights you may have under applicable law.

18. Governing Law

These Terms will be governed and interpreted in accordance with applicable laws governing Team Shereen - Mortgage Wizard and the Services provided, without regard to conflict-of-law principles where prohibited.

Any dispute arising from these Terms or the Services will be handled according to applicable law and any enforceable dispute-resolution requirements that apply to the parties.

19. Changes to These Terms

We may update or revise these Terms from time to time to reflect:

Changes to our Services;

Changes to our business practices;

Legal or regulatory requirements;

Messaging requirements;

Technology changes; or

Other operational needs.

When these Terms are updated, the revised version will be posted on the Website and the Effective Date may be updated.

Your continued use of the Website after revised Terms become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

20. Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect to the extent permitted by applicable law.

21. Entire Agreement

These Terms, together with our Privacy Policy and any additional disclosures or terms expressly presented in connection with a particular Service, constitute the applicable agreement between you and Team Shereen - Mortgage Wizard concerning your use of the Website and Services.

22. Contact Information

If you have questions regarding these Terms and Conditions, our Website, our Services, or our SMS messaging program, please contact us:

Team Shereen - Mortgage Wizard

Website: https://teamshereen.com

Email: [email protected]

Phone: +1 720-501-8971

Privacy Policy:
https://teamshereen.com/Privacy-Policy

Terms & Conditions:
https://teamshereen.com/terms-and-condition