Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the GeniusEquity website (geniusequity.org) and SMS program (collectively, "Services"), operated by Broadcast Media Inc dba GeniusEquity ("Company," "we," "us," or "our").

By accessing or using our Services, or by submitting your information, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our Services.

2. Our Services

GeniusEquity provides educational information about home equity products, including HELOCs, home equity loans, and cash-out refinancing, along with an optional SMS program delivering homeowner guides, service updates, and educational resource promotions based on your consent preferences.

We are not a mortgage lender, broker, bank, financial advisor, or financial institution. We do not offer, originate, underwrite, or approve any loans or financial products. Nothing on this website constitutes a commitment to lend.

3. SMS Terms & Conditions

By providing your mobile phone number and opting into our SMS program, you expressly agree to the following:

Program Description

The GeniusEquity SMS program sends recurring automated marketing and informational text messages (SMS/MMS), including service updates and home equity guides, tips, and resource promotions based on your consent preferences. Message frequency varies.

Eligibility

You must be a resident of the United States, 18 years of age or older, and the authorized account holder of the mobile phone number you provide. By opting in, you represent that you meet these requirements.

Supported Carriers

Message delivery depends on carrier availability. Carriers are not liable for delayed or undelivered messages.

TCPA Compliance

We operate this SMS program in compliance with the Telephone Consumer Protection Act (TCPA) and applicable FCC regulations. We obtain express written consent before sending marketing messages and honor opt-out requests immediately.

4. Educational Content Disclaimer

All content on this website and delivered via SMS is provided for general informational and educational purposes only and does not constitute:

• Financial, investment, or lending advice
• Tax or legal advice
• A recommendation to pursue any particular financial product
• A commitment or offer to provide any loan or credit

Rates, terms, and program availability are illustrative only and subject to change. Always consult with licensed financial and legal professionals before making financial decisions. Home equity products involve risk, including the potential for foreclosure if you are unable to make payments.

5. User Conduct

You agree not to:

• Use our Services for any unlawful purpose
• Submit false or misleading information
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the operation of our Services or servers
• Use automated tools to scrape, harvest, or collect information from our website
• Impersonate any person or entity or misrepresent your affiliation

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is owned by or licensed and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may view and use content for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

7. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that our Services will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, or timeliness of any information provided.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GENIUSEQUITY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES, LOSS OF DATA, OR LOSS OF BUSINESS OPPORTUNITIES.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF OUR SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

9. Indemnification

You agree to indemnify, defend, and hold harmless GENIUSEQUITY and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of our Services; (b) your violation of these Terms; or (c) your violation of any applicable law or the rights of any third party.

10. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the state and federal courts located in St. Lucie County, Florida.

You waive any right to participate in a class-action lawsuit or class-wide arbitration against us.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page with a revised effective date. Your continued use of our Services after any changes constitutes your acceptance of the revised Terms.

12. Contact Information

For questions about these Terms or our Services: