Terms & Conditions

By accessing and using the American Mortgage website (americanmtg.com), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

1. Use of Website

You agree to use this website only for lawful purposes and in a way that does not:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Interfere with the operation of the website
• Attempt to gain unauthorized access to any part of the website
• Transmit any harmful code or malware

2. Giveaway Terms

By entering any giveaway or sweepstakes on our website, you agree to the following:

Eligibility

• You must be 18 years of age or older
• You must be a legal resident of the United States
• Employees of American Mortgage and their immediate family members are not eligible
• Void where prohibited by law

Entry

• No purchase necessary to enter or win
• Limit one entry per person per giveaway unless otherwise specified
• Entries must be submitted during the giveaway period
• All entries become the property of American Mortgage

Winner Selection & Prizes

• Winners are selected at random from all eligible entries
• Winners will be notified via email and/or SMS
• Winners must claim their prize within the specified timeframe
• Prizes are non-transferable and cannot be exchanged for cash
• Winners are responsible for any applicable taxes

3. SMS Terms

By providing your phone number and opting in to receive SMS messages, you agree to:

• Receive automated text messages related to giveaways and services
• Message frequency varies based on activity
• Message and data rates may apply
• You can opt out at any time by replying STOP
• For help, reply HELP or contact us

Carriers are not liable for delayed or undelivered messages.

4. Mortgage Services

When applying for mortgage services through American Mortgage:

• All loan applications are subject to credit approval
• Rates, terms, and conditions are subject to change without notice
• You must provide accurate and complete information
• We reserve the right to verify all information provided
• Loan terms are governed by separate loan documents

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of American Mortgage or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

6. Disclaimer of Warranties

This website and its content are provided "as is" without warranties of any kind, either express or implied. American Mortgage does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, American Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use the website or services.

8. Indemnification

You agree to indemnify and hold harmless American Mortgage, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the website or violation of these terms.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Modifications

American Mortgage reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website constitutes acceptance of the modified terms.

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Arkansas, without regard to its conflict of law provisions.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us: