AI CHATBOT DISCLAIMER AND TERMS OF USE

IMPORTANT LEGAL NOTICE

This website employs an Artificial Intelligence (AI) chatbot system, utilizing ChatGPT technology, designed to provide informational assistance through automated responses generated by machine learning algorithms and predefined datasets. This disclaimer serves as a comprehensive legal notice regarding the limitations, scope, and appropriate use of this AI system in connection with mortgage lending services.

LIMITATIONS OF AI-GENERATED INFORMATION

Accuracy and Completeness: The AI chatbot’s responses are generated based on training data with temporal limitations and may not reflect the most current mortgage industry developments, federal regulations, Florida state law modifications, or market conditions. Information provided may be incomplete, outdated, or contain factual inaccuracies. Users should not rely exclusively on AI-generated content for mortgage-related decision-making purposes.

Contextual Limitations: The AI system lacks the ability to fully comprehend complex, nuanced, or highly specific financial scenarios that may significantly impact mortgage eligibility, loan terms, or regulatory compliance requirements. Responses are generated through pattern recognition rather than genuine understanding of individual financial circumstances, credit profiles, or property-specific factors.

Algorithmic Constraints: The chatbot operates within predetermined parameters and cannot exercise professional judgment, discretion, or provide personalized mortgage analysis that considers the full spectrum of relevant factors affecting individual lending decisions, including but not limited to credit history, debt-to-income ratios, employment verification, property valuation, and regulatory compliance requirements.

NON-ADVISORY NATURE OF AI RESPONSES

No Professional Relationship: Interaction with this AI chatbot does not create, establish, or constitute any form of professional relationship, including but not limited to lender-borrower, mortgage broker-client, or fiduciary relationships. No confidentiality protections apply to communications with the AI system. Information shared with the AI chatbot is not subject to privacy protections applicable to formal mortgage applications or consultations.

Absence of Professional Mortgage Advice: The AI chatbot cannot and does not provide mortgage advice, loan recommendations, interest rate quotes, qualification assessments, or any other form of professional mortgage lending services. All AI-generated responses are informational in nature and should not be construed as pre-qualification determinations, loan approvals, interest rate commitments, or professional mortgage guidance.

Regulatory Compliance: Mortgage lending is subject to extensive federal regulatory frameworks including but not limited to the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), Fair Housing Act, and Dodd-Frank Act regulations, as well as Florida state mortgage lending laws and licensing requirements. AI-generated information cannot substitute for compliance analysis or regulatory guidance that must be provided by appropriately licensed mortgage professionals.

MANDATORY PROFESSIONAL CONSULTATION

Licensed Professional Requirement: Users are strongly advised and encouraged to consult with our licensed loan officers for all mortgage-related decisions, loan product selection, qualification analysis, and personalized guidance. Only licensed mortgage officers can provide advice tailored to individual financial circumstances, conduct proper income and asset verification, perform regulatory compliance analysis, and offer binding loan terms and conditions.

Verification Obligation: All information obtained through the AI chatbot should be independently verified through direct consultation with licensed mortgage loan officer before being relied upon for any mortgage-related purpose. Interest rates, loan programs, qualification requirements, and regulatory information are subject to frequent change and must be confirmed through official channels.

No Binding Commitments: No information provided by the AI chatbot constitutes a loan commitment, rate lock, pre-approval, or binding offer. All mortgage transactions require formal application processes, documentation verification, underwriting review, and approval by licensed mortgage loan officers.

LIMITATION OF LIABILITY

Disclaimer of Warranties: The AI chatbot system is provided “as is” without warranties of any kind, express or implied, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or compliance with federal or Florida state mortgage lending regulations.

Limitation of Damages: We expressly disclaim liability for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to the use of, reliance upon, or inability to use the AI chatbot system, including but not limited to lost opportunities, delayed loan processing, rate changes, qualification issues, or regulatory compliance matters. This limitation applies regardless of the legal theory under which damages are sought, including contract, tort, negligence, or statutory claims.

User Responsibility: Users assume full responsibility for evaluating the accuracy, completeness, and utility of AI-generated information and for any decisions or actions taken based upon such information. Users acknowledge that mortgage lending decisions involve significant financial implications and regulatory requirements that cannot be adequately addressed through AI-generated responses.

PRIVACY AND DATA USE

Conversations with this AI Chatbot may be recorded and used to improve our services. We do not sell your personal information. Please review our Privacy Policy for details.

FLORIDA-SPECIFIC PROVISIONS

Florida Licensing Requirements: All mortgage lending activities in Florida are subject to Florida Office of Financial Regulation licensing requirements. Our licensed mortgage loan officers hold appropriate Florida mortgage broker and / or loan officer licenses as required by Florida Statutes Chapter 494.

Florida Consumer Protection: This disclaimer is subject to Florida consumer protection laws and regulations. Nothing in this disclaimer shall be construed to waive or limit rights provided under Florida law that cannot be lawfully waived.

TERMS OF ACCEPTANCE

By accessing and utilizing this website’s AI chatbot functionality, users explicitly acknowledge, understand, and agree to be bound by these terms and limitations. Continued use of the AI system constitutes ongoing acceptance of these conditions and acknowledgment that mortgage lending services require direct professional consultation.

Effective Date: July 1, 2025
Governing Law: This disclaimer shall be governed by the laws of the State of Florida.
Jurisdiction: Any disputes arising from this disclaimer shall be resolved in the appropriate courts of Florida
Severability: If any provision of this disclaimer is deemed invalid or unenforceable under Florida law, the remaining provisions shall continue in full force and effect.

Next Steps & Resources

For binding loan quotes and personalized guidance, please speak with one of our licensed mortgage officers.

Complaints

Any AI Chatbot messaging complaints should be directed to the Fidelity Home Group Customer Support Team at 407-955-4575 and click to email.