TERMS & CONDITIONS

Agreement to Terms

By accessing or using the website located at iamtblo.com (the "Site"), operated by IAMTBLO LLC d/b/a The Best Loan Officer ("we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Site.

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of the Site following any changes constitutes acceptance of the updated terms. These Terms and Conditions were last updated on June 4, 2026.

Use of the Website

You may use the Site for lawful purposes only and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates any applicable federal, state, local, or international law or regulation
• Attempt to gain unauthorized access to any part of the Site, server, or database connected to the Site
• Use the Site to transmit any advertising or promotional material without our prior written consent
• Impersonate or attempt to impersonate IAMTBLO LLC, an employee, another user, or any other person or entity
• Use any robot, spider, or other automated means to access the Site for any purpose without our express written permission

Mortgage & Lending Disclaimer

The information provided on this Site is for general informational and educational purposes only and does not constitute a commitment to lend, a loan approval, or a guarantee of any specific loan terms, rates, or programs.

IAMTBLO LLC (NMLS #171555) is a licensed mortgage broker in the State of Colorado. We are not a direct lender. All loan applications are subject to credit approval, underwriting guidelines, and program availability, which may vary by lender.

• Interest rates, annual percentage rates (APRs), and loan terms displayed on the Site are subject to change without notice and may differ from the rates available to you based on your individual financial circumstances
• Pre-qualification and pre-approval are not guarantees of final loan approval
• Mortgage calculators and tools on this Site provide estimates only and should not be relied upon as financial advice
• All mortgage products are subject to the terms, conditions, and eligibility requirements of the applicable lender(s)

We strongly recommend consulting with a qualified financial advisor or directly with one of our loan officers before making any financial decisions. Equal Housing Opportunity.

AI Chat Assistant

Our Site features an AI-powered chat assistant designed to help answer general mortgage questions and connect you with a loan officer. By using the AI chat assistant, you acknowledge and agree to the following:

• The AI assistant provides general information only and does not constitute professional financial, legal, or mortgage advice
• Responses generated by the AI assistant may not always be accurate, complete, or up to date
• The AI assistant is not authorized to approve loans, guarantee rates, or make binding commitments on behalf of IAMTBLO LLC
• Conversations with the AI assistant may be recorded, stored, and reviewed for quality assurance and training purposes
• Any personal information you provide during a chat (such as your name, phone number, or email) will be handled in accordance with our Privacy Statement

SMS/Text Messaging Terms

By providing your phone number through our website, AI chat assistant, contact forms, or other communication methods, you consent to receive text (SMS) messages from The Best Loan Officer. By opting in, you agree to the following:

• Consent: You expressly consent to receive text messages from IAMTBLO LLC at the phone number you provided. Consent is not required to purchase any goods or services.
• Message Types: Messages may include follow-ups to your mortgage inquiry, loan status notifications, appointment reminders, and responses to questions submitted through our AI chat assistant.
• Frequency: Message frequency varies based on your interactions with our services.
• Rates: Message and data rates may apply. IAMTBLO LLC is not responsible for charges imposed by your mobile carrier.
• Opt-Out: You may opt out at any time by replying STOP to any message. You will receive a one-time confirmation and no further messages will be sent unless you re-consent.
• Help: Reply HELP to any message or contact us at lowrates@iamtblo.com or 303-835-7113 for assistance.
• No Data Sharing: We will not sell, rent, or share your phone number or SMS opt-in data with third parties or affiliates for marketing purposes.

For complete details on how we handle your SMS data, please see our SMS/Text Messaging Privacy Policy.

Intellectual Property

All content on this Site, including but not limited to text, graphics, images, logos, icons, and software, is the property of IAMTBLO LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this Site without our prior written consent.

Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by IAMTBLO LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that IAMTBLO LLC is not responsible or liable for any damage or loss caused by the use of any such content, goods, or services available through any third-party website.

Limitation of Liability

To the fullest extent permitted by applicable law, IAMTBLO LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) the Site
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content

Disclaimer of Warranties

The Site is provided on an "AS IS" and "AS AVAILABLE" basis. IAMTBLO LLC makes no warranties, expressed or implied, regarding the Site's operation, accuracy, completeness, or availability. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Colorado.

Contact Information

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

IAMTBLO LLC d/b/a The Best Loan Officer
NMLS #171555
225 Union Blvd
Lakewood, CO 80228
lowrates@iamtblo.com
303-835-7113