Terms & Conditions
These terms and conditions (the "Terms and Conditions") govern the use of https://mortgagemarketplace.academy (the "Site"). This Site is owned and operated by Ivonne Villacorta This Site is an ecommerce website.
 
By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.
 
Intellectual Property:
All content published and made available on our Site is the property of Ivonne Villacorta. This includes, but is not limited to videos, images, text, logos, documents, downloadable files and anything that contributes to the composition of our Site. Users are prohibited from copying, distributing, or modifying your videos without your permission.
 
Accounts
When you create an account on our Site, you agree to the following:
  1. You are solely responsible for your account and the security and privacy of your account, including passwords or sensitive information attached to that account; and
  2. All personal information you provide to us through your account is up to date, accurate, and truthful and that you will update your personal information if it changes.
We reserve the right to suspend or terminate your account if you are using our Site illegally or if you violate these Terms and Conditions.
 
Sale of Goods and Services
These Terms and Conditions govern the sale of the following products and services available on our Site: 
 
Digital Products:  Video Bundle Packages (Basic, Intermediate, and Premium Tiers) Services: Community Monthly Membership 
 
Payment for all products and services is due in full at the time of purchase.
 
These Terms and Conditions apply to all digital products and services available on our Site. 
While we strive to provide accurate and up-to-date information, please note that home lending guidelines are subject to change. Therefore, we regularly review and update our video tutorials to reflect the latest information.
 
We reserve the right to modify, reject or cancel your order whenever it becomes necessary. 
If we cancel your order and have already processed your payment, we will give you a refund equal to the amount you paid. You agree that it is your responsibility to monitor your payment instrument to verify receipt of any refund and notify us for any concerns. 
 
Subscriptions
If you have a subscription, your subscription will automatically renew, and you will be automatically billed until we receive notification that you want to cancel the subscription.
 
Cancellation Options:
  • Online: You can cancel your subscription by logging in to your account in the member area. Go to "My Account" and then click "Cancel."
  • Email: Alternatively, you can send a cancellation request to mtgassumptioninfo@gmail.com.
Before Cancellation:
We kindly recommend reviewing the Community Guidelines provided on our website before requesting membership cancellation. These guidelines outline expectations for our online community.  
 
Payments
We accept the following payment methods on our Site:
  • Credit Card
  • Debit Cards
When you provide us with your payment information, you authorize our use of and access to the payment instrument you have chosen to use. By providing us with your payment information, you authorize us to charge the amount due to this payment instrument.
 
If we believe your payment has violated any law or these Terms and Conditions, we reserve the right to cancel or reverse your transaction.
 

Refund Policy for Digital Products:

We offer refunds for video packages within 7 days of purchase under the following conditions:

  1. Eligibility for Refunds
    • You must provide documented, verifiable proof within 7 calendar days of purchase of a major error in our video content as we firmly stand behind the accuracy of the information in our videos. 
    • A major error is defined as:
      • A claim such as that assumable mortgage programs no longer exist. (If the sellers loan documents confirm their loan is assumable, the lender servicing the loan must abide by the original terms of the loan.) 
      • A significant omission of crucial information (e.g., major expenses that were not addressed, the process was incorrect or changes in lender guidelines, etc. )  
    • Minor discrepancies or personal preferences regarding the content, such as the light music in the background, do not qualify for a refund.  However, if you present a good case for a request for a refund, we will entertain it as Customer Satisfaction is a priority for us as is a new course as of 2025 by following these guidelines.
  2. Verification Process
    • Any information you submit will be verified for accuracy and relevance within 7 business days.
    • If the claim is valid, we will use it to improve our course where applicable.
  3. Required Documentation
    • Your source must be current (within the last 45 days) and come from a legitimate authority, such as:
      • A mortgage servicing lender
      • Federal Housing Administration (FHA)
      • U.S. Department of Veterans Affairs (VA)
      • United States Department of Agriculture ( USDA) 
      • Fannie Mae (FNMA)
      • Freddie Mac (FHLMC)
  4. Refund Processing
    • If we verify your claim, we will issue a refund minus any transaction fees incurred by our payment provider.
    • Refunds will be processed within 7 business days upon receipt of complete documentation.
    • If we request additional clarification, you must respond within 48 hours, and the 7-business-day processing period will restart upon receipt of your response.
    • We will provide proof of any transaction fees deducted for transparency from our payment provider.

How to request a refund:

Submit a refund request, email us at:  mtgassumptioninfo@gmail.com with your membership details and supporting documentation.  

Note: We offer three free introductory videos to help you make an informed decision before purchasing. We are confident in the accuracy and value of our content, and this refund policy reflects our commitment to customer satisfaction.


Community Membership Refunds:
 
  • We offer a prorated refund for the current month of the membership if we fail to provide a satisfactory response to your questions within 5 business days.
  • To be eligible for a refund, you must have actively participated in the community, followed the guidelines for asking questions, ( located in our Community Guidelines,) and provided sufficient details in your inquiries.  If we reach out for further information, you must provide us with the necessary details we need to complete our investigation within 24 hours and the 5 business day timeline will restart when we receive your response. 
  • To request a refund, please contact us at mtgassumptioninfo@gmail.com with your membership details.
 
Consumer Protection Law
These Terms and Conditions are subject to applicable consumer protection laws. Nothing in these Terms and Conditions shall be construed as a waiver of any rights granted to you under such laws. In the event of a conflict between these Terms and Conditions and applicable consumer protection laws, the latter shall prevail.
 
Limitation of Liability
Mortgagemarketplace.Academy, Ivonne Villacorta and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.
 
Indemnity
Except where prohibited by law, by using this Site, MortgageMarketplace.Academy, you indemnify and hold harmless Ivonne Villacorta and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities, and expenses, including legal fees arising out of your use of our Site or your violation of these Terms and Conditions.
 
Applicable Law
These Terms and Conditions are governed by the laws of the State of California.
 
Severability
If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms and Conditions. All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.
 
Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site.
 
Contact Details
Please contact us if you have any questions or concerns. Our contact details are as follows:
 
 
mtgassumptioninfo@gmail.com
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Effective Date: Nov. 20, 2024