Terms & Conditions
The Application & Agreement, Policies & Procedures and Compensation Plan are specifically incorporated herein by reference. They, along with these Terms & Conditions, form the Agreement between:
Team Shereen- Mortgage Wizard and the Independent Sales Representative. They shall be effective only upon acceptance by the Company, at its principal office:
NEXA Lending
5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212
United States
Independent Sales Representative AGREES:
1. Independent Sales Representative is of legal age in the state/province or country in which he/she resides.
2. Any Independent Sales Representative who sponsors another Independent Sales Representative or receives a Bonus or Commission on the product sales of another Independent Sales Representative must fulfill the obligation of performing a bona fide supervisory, distributing and selling function in the sale or delivery of a product or service to the ultimate consumer and in the training of those personally sponsored. Independent Sales Representative must have ongoing contact, communication and arrangement with his or her sales organization. Examples may include, but not limited to: email, newsletters, correspondence, meetings, telephone contact, accompanying individuals to company training sessions and sharing genealogy information with those sponsored. Independent Sales Representative should be able to provide evidence to the Company of ongoing fulfillment of sponsor responsibilities.
3. Independent Sales Representative understands that he/she is not compensated for sponsoring other Independent Sales Representatives but earns compensation solely on the sale of products and/or services to ultimate consumers.
4. Applicant is, upon acceptance, an “Independent Contractor”, hereinafter Independent Sales Representative, conducting business for her/his own account and not as an agent, employee, or franchisee for the Company. As such, must provide his/her Social Security or Federal Tax ID Number for tax reporting purposes on any monies earned within the country. All Independent Sales Representatives should consult their attorney or tax consultant for information on monies earned and where received. The Independent Sales Representative further understands that he/she will not be treated as an employee in regard to any laws covering employees. An Independent Contractor shall be responsible for obtaining all licenses required by law in whatever State, County or Country in which they reside, and pay all applicable fees and taxes.
5. Independent Sales Representative agrees to accept the sole responsibility for all self-employment and all legal country/federal and state and local income and sales taxes and any other taxes on income earned as an Independent Sales Representative. The Company will file appropriate tax earnings report forms on each Independent Sales Representative at the close of the calendar year for the amount of commissions and bonuses earned in their country of residence under this agreement.
6. Independent Sales Representative agrees that the Company is not be liable for city, county, state, local and country/federal income taxes, sales taxes or other fees pertaining to sales and earnings of a Independent Sales Representative and Independent Sales Representative will hold the company harmless from all of same.
7. Independent Sales Representative SHALL NOT promote or sell other companies’ sales programs, products or Company functions on websites where Company is mentioned, or use the Company forms or printed materials or its name, prestige, or drawing power in conjunction with or in support of any other activities.
8. Independent Sales Representative shall not sponsor or attempt to sponsor another Company Independent Sales Representative into another Direct Sales and/or Network Marketing Company except for her/his personally sponsored Independent Sales Representatives. In addition, no Independent Sales Representative shall participate in any action that causes an Independent Sales Representative to be sponsored through someone else into another company.
9. Independent Sales Representative will make no claims as to income potential either written or oral except those prepared by the company for illustration purposes only.
10. Independent Sales Representative will not make any claims of any kind pertaining to the benefits of the company’s products and services except those given in official company promotional media. When presenting the Company program to others, Independent Sales Representative shall present the program in its entirety, without omission, distortion or misrepresentation.
11. Independent Sales Representative shall not represent or imply, directly or indirectly, that the company has been approved or endorsed by any governmental agency. (Federal and State regulatory agencies do not approve or endorse any marketing company product or programs.)
12. Independent Sales Representative will indemnify and hold the company harmless from any and all claims, expenses, costs, causes of action and damages resulting from or growing out of Independent Sales Representative statements or actions in violation of this agreement.
13. Should Independent Sales Representative be terminated for cause, Independent Sales Representative’s sales organization may be transferred to his/her first active upline Independent Sales Representative at Company’s sole discretion.
14. I understand that at least 70% of all of Distributor’s wholesale purchases must be resold to customers that are not Independent Sales Representatives of Company and that I will not purchase products solely for qualification for a higher position, bonus or commissions.
15. All product(s) in resalable condition purchased within 90 days prior to termination may be returned (shipping prepaid). Company will repurchase such products at 90% of the original price less any bonus or commissions paid. All current sales aids and Company Business Kit in resalable condition purchased within 90 days prior to terminating may be returned (shipping prepaid). Company will purchase back such materials at 90% of original price. Any laws in any jurisdiction inconsistent herewith are adopted herein and will be followed.
16. The terminated Independent Sales Representative will be eligible to reapply and may choose a new sponsor after six (6) months. A terminated Independent Sales Representative that reenters the program may not sponsor any of her/his original downline organization.
17. Independent Sales Representative understands that Company does not permit changing of sponsors. Network Marketing is a business of creating relationships. Once an Independent Sales Representative is sponsored, the Company believes in maximum protection of that relationship.
18. Independent Sales Representative hereby supplies NEXA Lending with his/her signature for Company files and understands that this signature is the signature of record for all debit card, ACH and any future credit card transactions.
19. Independent Sales Representative without a sales tax ID number authorizes Company to remit to proper agencies the sales/use tax generated as a result of Independent Sales Representative’s product sales.
20. Independent Sales Representative understands that Company will provide Independent Sales Representative a replicated Web Page, when available as part of . Company will deliver all items upon receipt of good funds.
21. As an Independent Contractor, Independent Sales Representative is aware of the contractual obligations that occur when she/he purchases products or services from Company. Independent Sales Representative understands that he/she maintains a greater responsibility when ordering on a credit card account as an informed Independent Sales Representative than when ordering as a customer. Independent Sales Representative therefore waives the right of cancellation or refund on any order placed on his/her credit card account(s) except directly through the Company. Any order returns, refunds or exchanges shall be done through Company and not through any credit card company.
22. In the event that any check (monies) by any method is returned unpaid, I authorize NEXA Lending to debit my account for the face amount plus up to a 10% failed payment processing fee. If said amount remains unpaid, I understand that I could lose my current status and that until my account is brought current I could forfeit certain rights and privileges, including commissions.
23. Independent Sales Representative understands that USA residents in the States of Maine, North Dakota, Michigan, Indiana, Iowa and West Virginia are limited to a total of $495.00 in sales aids and personal wholesale product purchases from the Company during the first six months. Purchases shall be automatically modified to comply with the exemption requirements set forth in any country/states laws regulating business opportunities.
24. Company will pay Independent Sales Representative commissions and bonuses on orders received and accepted for sale of products to the ultimate consumer (not sales aids) made by Independent Sales Representative and his/her sales organization under the terms of Compensation Plan.
25. Company will retain full authority to accept or reject any Application or any order for products. Such refusal is solely within the discretion of the Company. No right of action against Company will arise because of any such acceptance or refusal.
26. Company reserves the right to amend, revise, institute, alter or modify changes including but not limited to prices, literature, policies, this Agreement and the Compensation Plan. Any such revisions become effective by email, letter(s) or by publication in official company literature or posted to Independent Sales Representative at his or her last known address.
27. Independent Sales Representative agrees to be bound by these changes. Changes will become part of the agreement upon notification. The Distributor Compensation Plan and Policies and Procedures, and all modifications thereafter, are incorporated into and are a part of this agreement.
28. Company shall not be responsible for acts beyond its control, including but, not limited to: fire, flood, earthquake, storms, power outages, labor difficulty, equipment failure, supplier problems, or other difficulties that might prevent performance according to this agreement.
29. Company assumes no liability for personal injury arising from use or mishandling of any of the Company product(s).
30. Company does not require Independent Sales Representative to sponsor and does not require any fee, charge or initial product purchase to be a Independent Sales Representative.
Company reserves the right to terminate this agreement immediately upon receipt of sufficient information that Independent Sales Representative has violated any term or condition of this agreement or has otherwise acted illegally or unethically.
31. Company will honor refund policies provided by any governmental law applicable to Independent Sales Representative.
32. Company requires that all Independent Sales Representative obey the letter and the spirit of the law.
33. I have not violated any non-competition, non-compete, non-solicitation, or confidentiality agreement entered into with any other organization or entity, and by becoming an Independent Sales Representative for NEXA Lending will not be violating any agreement or contract, including non-competition, non-compete, non-solicitation entered in with any other organization.
34. I approached NEXA Lending Inc, or any other NEXA Lending Independent Sales Representative, employee, or affiliate, about becoming a NEXA Lending distributor and requested to become a NEXA Lending distributor. NEXA Lending or any NEXA Lending Independent Sales Representative or any employees, agents, managers, members, or affiliates, has approached or solicited the undersigned about becoming a NEXA Lending Independent Sales Representative.
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
Quote
Get a Rate Quote in Just 30 Seconds!
Mortgage rates change daily and vary depending on your unique situation. Get your customized quote here.
The Direct Choice
Two futures. One decision.
You already know which one you want. The only question is when you start.
Option A
Keep spending your weekends tweaking your resume and waiting on automated rejection emails — while the underpayment compounds.
VS
Option b
Implement a proven career framework and step into your next leadership role — at a compensation level that finally matches your value.
Takes 2 minutes. Only 4 slots available this week for qualified executives.
Shereen Muckerman Services all of
Alabama, Colorado, Florida, Tennessee, Texas, Washington, California, Oregon, New Mexico
NMLS #1660690
AZ BANKER license: BK-2006218
Resources
Company
All product names, logos, and brands are property of their respective owners.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Copyright © 2026 | Team Shereen- Mortgage Wizard
Licensed In: AL, CO, FL, TN, TX, WA, CA, OR, NM | NMLS #1396756 | NMLS ID 1660690 | AZ BANKER license: BK-2006218
Corporate Address: 5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
Regulated by IDFPR - Residential Mortgage Banking
555 West Monroe St., Ste 500
Chicago, Illinois 60661
844-768-1713
For licensing information, go to www.nmlsconsumeraccess.org
Copyright 2026. Shereen Muckerman - Certified Mortgage Advisor. All Rights Reserved. Privacy Policy | Terms & Conditions