M POWER LENDING GROUP

Terms of Service

Effective Date: October 28, 2025

Terms of Service

Welcome to MPower! These Terms of Service ("Terms") govern your access to and use of the websites, tools, content, services, and applications (collectively, the "Services") provided by MPower Lending Group ("MPower," "we," "our," or "us"). By accessing or using our Services, you agree to be bound by these Terms.

Please Read

These Terms of Use govern your use of this website. Please read these terms and conditions carefully before using this website. By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree to all of the terms, please immediately discontinue accessing this website.

Content

This website is owned and operated by Keyway Lending, LLC and provides general information about our products and services. The availability of specific products and services may be subject to eligibility criteria, regulatory restrictions, and approval by us. We may revise, update, suspend, or discontinue any aspect of the website at any time without notice. The information on this website is for general informational purposes only, and any dated content is only current as of the date published. We are under no obligation to update any such information.

This website may contain links to third-party websites or services for your convenience. These sites are not owned or controlled by Keyway, and we are not responsible for the content or policies of any third-party websites. A link to a third-party website does not constitute an endorsement or affiliation with that website or its operators. We reserve the right to disable links at any time without notice.

Although we strive to provide accurate and current information, this website may contain errors, inaccuracies, or omissions. Keyway makes no representations or warranties as to the accuracy, completeness, or timeliness of the information presented on the site.

The materials on this website, including logos, trademarks, graphics, text, images, and software, are protected by copyright, trademark, and other intellectual property laws. Unauthorized use of these materials is strictly prohibited. You may download or print pages from the website for your personal use only, provided you do not modify or remove any proprietary notices. Commercial use or distribution is not allowed without prior written consent.

Accessing the Website

You are responsible for ensuring you have the necessary technology and internet access to use this website. Keyway is not responsible for any delays, errors, or interruptions caused by your service provider, hardware, or internet connection. Website access may be restricted or unavailable from time to time due to maintenance, system failure, or other unforeseen events. We may deny or limit access to any user without prior notice or liability.

The Services are not intended for use in any jurisdiction where such use would violate applicable laws. By using the website, you represent that you are in a jurisdiction where the Services are lawful and that you comply with all applicable local laws and regulations.

To safeguard your personal information, we may require you to verify your identity to access certain features or transactions. Always close your browser after accessing the site to protect your account. If you believe your account has been compromised or used without your permission, notify us immediately by calling (443) 804-2213.

SMS Consent

By providing your telephone number to us, you consent to receive SMS communications related to your account, loan, or application. Messages may include application updates, requests for information, due dates, or reminders. Message and data rates may apply. You can opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT or by calling us.

To receive SMS notifications, you must have a mobile phone capable of receiving text messages, an active service plan, and adequate storage space. SMS messages will be considered written communications. We are not responsible for delays or failures in delivery caused by your mobile carrier.

Your Information

You may submit personal information and documents through the website during the application process. While Keyway does not claim ownership of such materials, by submitting them, you grant us a license to use, reproduce, and transmit them as needed to provide the Services. This includes sharing your information with affiliates and service providers to fulfill your request. Your private personal information will not be publicly disclosed.

Employment and Agent Consent

By providing employment information, you authorize us to contact your employer or third parties to verify your income and employment status. By providing your real estate agent’s contact information, you consent to us communicating with them regarding your loan status and milestones.

Limitations of Liability

MPower and its affiliates are not liable for any direct or indirect damages, including but not limited to lost profits or data, arising from your use of this website. We do not guarantee that the site will be error-free, secure, or available at all times. You assume all risks associated with using the site.

Indemnification

You agree to indemnify and hold harmless MPower, its officers, directors, employees, and affiliates from any claims, liabilities, damages, losses, or expenses, including legal fees, arising from your use of the site or breach of these Terms.

Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. Any disputes will be resolved in the courts located in Bell County, Texas.

Changes to These Terms

We may revise these Terms at any time. The most current version will be posted on the website. Continued use of the website following any changes indicates your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Contact Us

MPower Lending Group 3009 Hunters Quail Ct. Nolanville, TX 76559 (443) 804-2213 clint.philip@edgehomefinance.com