TERMS AND CONDITIONS

Last Updated: June 17, 2026

Welcome to Zenith Mortgage Solutions Inc (“Zenith,” “we,” “us,” or “our”). By accessing or using our website, located at www.zenithmsi.com (the “Site”), you agree to comply with and be bound by the following Terms and Conditions (“Terms”). Please read these Terms carefully. If you do not agree to these Terms, you must not access or use this Site.

1. B2B Eligibility and Professional Compliance

This Site is intended strictly for business-to-business (B2B) use by licensed mortgage professionals, including independent mortgage brokers and loan officers.

By submitting an inquiry, utilizing the “Getting Started” forms, or entering data on this Site, you explicitly represent and warrant that:

• You are a legally licensed mortgage professional in active good standing with the Nationwide Multistate Licensing System (NMLS).
• You possess the legal authority and state-level licensing required to operate in your designated jurisdiction.
• All information you provide—including your name, business details, and NMLS credentials—is accurate, current, and truthful.

Zenith reserves the right to verify NMLS credentials and immediately terminate access or reject inquiries from any user found to have provided fraudulent, inactive, or misleading credentials.

2. Informational Purposes and Pricing Disclosures

The content, marketing materials, and pricing references provided on this Site are for informational and promotional purposes only.

• Any public pricing listed on the Site (such as “starting at” rates) represents baseline pricing tiers.
• The information on this Site does not constitute a binding financial contract or an open offer to process loans. * Exact pricing structures, tiered loyalty programs, and ancillary operational charges (including, but not limited to, cancellation fees and re-submittal fees) are detailed explicitly in a separate, written Service Agreement. A binding business relationship is only formed once that Service Agreement is mutually executed by authorized representatives of both Zenith and your entity.

3. Intellectual Property Rights

The Site and its entire contents, features, and functionality—including but not limited to all text, core marketing pillars, the “80-to-30 Blueprint” framing, graphics, logos, button icons, images, and the design/arrangement thereof—are the exclusive property of Zenith Mortgage Solutions Inc.

These materials are protected by United States and international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, or scrape any content from this Site for commercial or competitive purposes without our express prior written consent.

4. Prohibited Uses

You agree to use the Site only for lawful professional purposes. You are prohibited from:

• Using the Site in any manner that could disable, overburden, damage, or impair the platform or interfere with any other party’s use.
• Using any robot, spider, or other automated device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
• Introducing any viruses, Trojan horses, worms, or other malicious or technologically harmful material.

5. Limitation of Liability and Disclaimer of Warranties

YOUR USE OF THE SITE IS AT YOUR OWN RISK. THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

In no event will Zenith Mortgage Solutions Inc, its affiliates, or their licensors, service providers, employees, or agents be liable for damages of any kind arising out of or in connection with your use, or inability to use, the Site.

Furthermore, the informational contents of this website do not guarantee loan approvals, underwriter clearance, specific file turnaround times, or increased closed volume for your business. Zenith is not responsible or liable for external internet transmission errors, server downtimes, or communication delays resulting from third-party networks.

6. Governing Law and Jurisdiction

All matters relating to the Site and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the internal laws of the State of California, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of California, in each case located in Orange County, California. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

7. Changes to the Terms

We may revise and update these Terms and Conditions from time to time at our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

8. Contact Information

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

• Email: info@zenithmsi.com
• Mailing Address: Zenith Mortgage Solutions Inc 1811 W Katella Ave Ste 218 Anaheim, CA 92804