Terms of Service

Effective Date: May 11, 2026

Welcome to BorrowerRights.com, MiddleCreditScore.com, Middle Credit Score®, and affiliated websites, platforms, educational systems, borrower tools, and related services operated by Consumer Funnels LLC and/or Middle Credit Score® LLC.

These Terms of Service govern your access to and use of our websites, educational resources, borrower awareness tools, credit-related educational services, mortgage readiness resources, Middle Credit Score® information, and related content or technologies.

By accessing, browsing, registering for, using, or interacting with our websites or services, you agree to comply with and be legally bound by these Terms of Service.

If you do not agree with these Terms of Service, you should discontinue use of the websites and services immediately.

1. Purpose of the Platform

BorrowerRights.com and Middle Credit Score® were created to provide educational information, borrower awareness resources, mortgage-related educational content, financial positioning insights, and borrower-focused information designed to help consumers better understand aspects of mortgage lending, credit positioning, disclosures, and borrower rights.

The platforms may provide:

• Mortgage education
• Borrower rights education
• Credit-related educational content
• Middle Credit Score® information
• Mortgage readiness resources
• Consumer awareness tools
• Educational score-related explanations
• Borrower positioning information
• Certification or educational modules
• Third-party credit access integrations where authorized

The platforms are intended for educational and informational purposes only.

2. No Lending, Underwriting, or Financial Advice

BorrowerRights.com, Middle Credit Score®, MiddleCreditScore.com, Consumer Funnels LLC, and Middle Credit Score® LLC are not lenders, banks, credit unions, mortgage brokers, loan originators, financial advisors, legal advisors, or credit repair organizations unless expressly stated in a separate written agreement.

We do not:

• Approve loans
• Deny loans
• Issue credit
• Set mortgage rates
• Provide underwriting decisions
• Guarantee mortgage approval
• Guarantee interest rates
• Guarantee financial outcomes
• Provide legal advice
• Provide investment advice
• Provide tax advice

Any lending decision, mortgage approval, pricing decision, or underwriting determination is made solely by the applicable lender or financial institution according to its own guidelines and policies.

3. Educational Use Only

All information provided through the websites, articles, videos, tools, educational systems, borrower awareness materials, and score-related content is intended solely for educational and informational purposes.

Consumers should independently verify information, review lender disclosures carefully, and seek qualified legal, financial, tax, or mortgage professionals where appropriate.

4. Middle Credit Score® Information

Middle Credit Score® is an educational and informational concept designed to help consumers better understand the middle score commonly used within mortgage lending evaluation.

Consumers acknowledge and agree that:

• Credit scores may vary between providers
• Lenders may use different scoring models
• Scores may change over time
• Mortgage lenders may apply different underwriting standards
• The Middle Credit Score® does not guarantee approval or pricing
• Educational score information may differ from lender-used scores

The information provided is intended to increase borrower awareness and financial understanding.

5. Consumer Credit Data Access

Certain features may allow consumers to access credit-related information through authorized third-party providers, integrations, APIs, or credit reporting systems.

By using these features, consumers acknowledge and agree that:

• Additional authorization may be required
• Third-party providers may maintain separate terms and privacy policies
• Credit information may vary by provider
• Access availability is not guaranteed
• Temporary outages or interruptions may occur
• Credit data accuracy depends on third-party reporting agencies

We are not responsible for inaccuracies, delays, interruptions, or data errors originating from third-party providers or consumer reporting agencies.

6. User Responsibilities

By using the websites or services, you agree that you will:

• Provide accurate information
• Use the platforms lawfully
• Review disclosures carefully
• Maintain the confidentiality of login credentials
• Not misuse or interfere with the websites
• Not attempt unauthorized access to systems or data
• Not use the platforms for fraudulent activity
• Not submit false or misleading information

You are solely responsible for your use of the websites and any decisions made based on information obtained through the platforms.

7. Mortgage and Financial Decisions

Consumers remain fully responsible for all mortgage, lending, credit, financial, and homeownership decisions.

BorrowerRights.com and Middle Credit Score® do not recommend specific mortgage products, lenders, rates, or financial strategies unless expressly stated otherwise in a separate written agreement.

Consumers should carefully review:

• Loan Estimates
• Closing Disclosures
• Mortgage agreements
• Promissory notes
• Interest rate terms
• Lender disclosures
• Legal obligations

before entering any financial transaction.

8. Third-Party Links and Services

The websites may contain links to third-party websites, lenders, service providers, government agencies, educational resources, credit bureaus, or financial institutions.

We do not control or guarantee:

• Third-party content
• Third-party privacy practices
• Third-party products or services
• Third-party availability
• Third-party accuracy
• Third-party lender decisions

Your use of third-party websites or services is at your own risk.

9. Intellectual Property

All website content, branding, logos, educational systems, graphics, articles, videos, text, borrower education materials, software elements, page structures, designs, and related intellectual property are owned by or licensed to Consumer Funnels LLC, Middle Credit Score® LLC, or affiliated entities.

Middle Credit Score® is a protected trademark and intellectual property asset.

Users may not:

• Copy website content for commercial purposes
• Republish proprietary materials
• Modify protected content
• Use trademarks without authorization
• Create derivative commercial systems based on our proprietary content

Unauthorized use may violate trademark, copyright, and intellectual property laws.

10. No Guarantee of Website Availability

We do not guarantee uninterrupted access to the websites, services, educational systems, or integrations.

Temporary interruptions may occur due to:

• Maintenance
• System upgrades
• Security events
• Third-party outages
• Technical failures
• Internet disruptions

We reserve the right to modify, suspend, or discontinue services at any time without notice.

11. Security and Unauthorized Access

We implement reasonable administrative, technical, and operational safeguards designed to help protect systems and information.

However, no internet-based system can be guaranteed completely secure.

You agree not to:

• Attempt unauthorized access
• Disrupt platform functionality
• Introduce malicious code
• Interfere with system operations
• Access restricted information without authorization

Unauthorized activity may result in legal action.

12. Limitation of Liability

To the fullest extent permitted by law, BorrowerRights.com, Middle Credit Score®, MiddleCreditScore.com, Consumer Funnels LLC, Middle Credit Score® LLC, affiliates, officers, directors, employees, contractors, and partners shall not be liable for:

• Mortgage denials
• Lender decisions
• Interest rate outcomes
• Credit score changes
• Financial losses
• Data interruptions
• Third-party provider failures
• Borrower decisions
• Errors or omissions in content
• Reliance on educational information

All use of the websites and services is at the user’s own risk.

13. Indemnification

You agree to defend, indemnify, and hold harmless BorrowerRights.com, Middle Credit Score®, Consumer Funnels LLC, Middle Credit Score® LLC, affiliates, officers, employees, contractors, and partners from any claims, damages, liabilities, losses, expenses, or legal costs arising from:

• Your use of the websites
• Your violation of these Terms
• Your misuse of services
• Your violation of applicable laws
• Your reliance on third-party services or lender decisions

14. Governing Law

These Terms of Service shall be governed by and interpreted under the laws of the State of Arizona without regard to conflict of law principles.

15. Arbitration Agreement

Any dispute, claim, or controversy arising out of or relating to the websites, services, educational systems, or these Terms shall be resolved through binding arbitration in Maricopa County, Arizona.

Users agree:

• to waive jury trial rights
• to waive participation in class actions
• that disputes will be resolved individually

This arbitration provision survives termination of these Terms.

16. Changes to These Terms

We reserve the right to modify these Terms of Service at any time.

Updated Terms will be posted on this page with a revised effective date. Continued use of the websites or services after updates are posted constitutes acceptance of the revised Terms.

17. Termination of Access

We reserve the right to restrict, suspend, or terminate access to the websites or services at our discretion, including for:

• Violations of these Terms
• Fraudulent activity
• Unauthorized use
• Security concerns
• Misuse of systems or content

18. Contact Information

If you have questions regarding these Terms of Service, you may contact:

Middle Credit Score® LLC
2487 S. Gilbert Rd., Suite 236
Gilbert, AZ 85295
Email: Support@MiddleCreditScore.com

You may also contact us through the contact forms available on BorrowerRights.com or MiddleCreditScore.com.