Terms and Conditions
Last Updated: April 17, 2026
Welcome to annakleopoulos.com (the "Website"). These Terms and Conditions ("Terms") govern your access to and use of this Website, operated by Anna Kleopoulos ("Anna," "we," "us," or "our"). By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.
1. Informational Purposes Only; No Offer or Commitment
All content on this Website, including but not limited to mortgage rate estimates, payment calculator outputs, loan program descriptions, text, images, photographs of properties, and blog posts, is for general informational and educational purposes only. This information does not constitute:
- a commitment to lend or extend credit;
- an offer to enter into a mortgage agreement;
- a solicitation for a mortgage loan;
- a guarantee of any loan terms, interest rate, or approval;
- or legal, financial, or tax advice.
Your use of this Website does not create a client, broker, or fiduciary relationship between you and Anna. All loan products are subject to borrower qualification, credit approval, property appraisal, underwriting guidelines, and final approval by the lender. Anna expressly disclaims any intent to make an offer of credit or to solicit a mortgage application from any person in any jurisdiction where such offer or solicitation would be unlawful.
2. No Reliance on Photos or Representative Images
This Website may display photographs, illustrations, or depictions of houses, interiors, neighborhoods, or other real estate. These images are for illustrative and aspirational purposes only and do not represent any specific property available for financing, any actual loan transaction, or any guarantee that a borrower will qualify for a loan on any particular home. Property values, conditions, and availability vary. You should not rely on any image as a representation of any actual home, loan outcome, or financial result.
3. Rates, Terms, and Programs Subject to Change
All mortgage rates, annual percentage rates (APRs), loan terms, fees, closing costs, and loan program availability are subject to change without notice. Any rate or payment displayed or estimated by any calculator or tool on this site is an estimate only, based on assumptions that may not apply to your specific situation. Actual rates and terms will depend on your credit history, income, assets, down payment, property type, occupancy, loan-to-value ratio, debt-to-income ratio, current market conditions, and the specific lender's underwriting criteria. Anna does not guarantee that any rate or payment shown will be available at the time of application or closing.
4. User Conduct and Acceptable Use
You agree to use the Website only for lawful purposes. You shall not:
- Use the Website to submit any false, inaccurate, or misleading information.
- Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
- Upload or transmit any viruses, worms, or other malicious code.
- Attempt to gain unauthorized access to any portion of the Website.
- Use the Website to harass, abuse, or harm another person.
- Engage in any activity that could interfere with or disrupt the proper working of the Website.
Violation of these terms may result in termination of your access to the Website.
5. No Legal, Financial, or Tax Advice
Nothing on this Website constitutes legal advice, financial advice, or tax advice. You should consult with your own qualified attorney, certified public accountant, or financial advisor regarding your specific circumstances. Mortgage financing decisions have long-term financial implications; seek independent professional guidance before making any commitment.
6. Equal Housing Opportunity & Fair Housing Compliance
Anna and Loan Factory are committed to fair lending and equal housing opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity, marital status, familial status (including children under 18 living with parents or legal custodians), disability, age, source of income, or any other characteristic protected by applicable federal, state, or local law. All loan products are offered without regard to the racial, ethnic, religious, or national origin composition of any neighborhood or geographic area. We comply with the Federal Fair Housing Act (42 U.S.C. 3601 et seq.), the Equal Credit Opportunity Act (ECOA), and all applicable state fair lending laws. Our advertisements and property photography do not indicate any preference, limitation, or discrimination based on protected characteristics.
For questions or to report a fair housing concern, contact the U.S. Department of Housing and Urban Development (HUD) at (800) 669-9777 or visit hud.gov/fairhousing.
7. No Unlawful Solicitation
Anna does not initiate contact with consumers via unsolicited telephone calls, text messages, or emails for the purpose of offering mortgage loans. Any communication initiated by Anna will be in response to an express inquiry or application submitted by the consumer. If you believe you have received an unsolicited communication from Anna, please report it immediately. This Website does not constitute a solicitation for business in any state where Anna is not licensed. Anna is licensed in 48 states; a current list of licensed states is available on the State Licenses page.
8. Intellectual Property
All text, graphics, logos, page headers, button icons, scripts, and software on this Website are the property of Anna Kleopoulos or its content suppliers and are protected by United States and international copyright laws.
Photographs displayed on this Website are either: (a) owned by Anna Kleopoulos, (b) used under license from stock photography providers (such as Shutterstock, Adobe Stock, Unsplash, or Pexels), or (c) used with permission of the respective copyright holder. Anna Kleopoulos does not claim ownership of licensed stock images. All licensed images are used in accordance with their applicable license terms. Any unauthorized use of images may violate copyright, trademark, or license terms.
You may not reproduce, distribute, modify, publicly display, or otherwise use any content from this Website without prior written permission from Anna, except as expressly permitted by the license terms for stock images (e.g., you may not re-sell or re-distribute stock images).
9. Third-Party Links
The Website may contain links to third-party websites or services that are not owned or controlled by Anna. Anna has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. You further acknowledge and agree that Anna shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites you visit.
10. Disclaimer of Warranties
THE WEBSITE AND ALL CONTENT, INFORMATION, AND MATERIALS PROVIDED HEREIN ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ANNA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE OPERATION OR AVAILABILITY OF THE WEBSITE, OR THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY INFORMATION OR CONTENT. TO THE FULLEST EXTENT PERMITTED BY LAW, ANNA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ANNA, HER AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE WEBSITE OR ANY CONTENT, CALCULATOR, RATE QUOTE, OR INFORMATION OBTAINED THROUGH THE WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF ANNA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE WEBSITE IS TO STOP USING THE WEBSITE.
12. Indemnification
You agree to indemnify, defend, and hold harmless Anna, Loan Factory, and their respective affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or relating to: (a) your use of or inability to use the Website; (b) your violation of these Terms; or (c) your violation of any rights of another party.
13. Governing Law and Venue
These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. You agree to submit to the exclusive personal jurisdiction and venue of the state and federal courts located in Maricopa County, Arizona, for any claims or disputes arising out of or relating to these Terms or your use of the Website.
14. Modifications to Terms
Anna reserves the right, at her sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website.
15. Severability and Waiver
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The failure of Anna to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
16. Entire Agreement
These Terms constitute the entire agreement between you and Anna regarding the use of the Website, superseding any prior agreements between you and Anna relating to your use of the Website.
17. Contact Information
If you have any questions about these Terms, please contact Anna at:
Email: [Insert Anna's email address]
Phone: [Insert Anna's phone number]
Mail: [Insert Anna's physical business address in Scottsdale, AZ]
