Website Terms of Service

1. Acceptance of Terms

Welcome to shannonwheeler.com (the “Website”), the official website of Shannon Wheeler Mortgage Team, led by Shannon Wheeler, Mortgage Sales Manager with Cornerstone First Mortgage, LLC.

By accessing, browsing, or using this Website, you agree to comply with these Website Terms of Service (“Terms”) and all applicable laws and regulations.

If you do not agree with these Terms, please discontinue use of the Website.

These Terms apply exclusively to your access to and use of shannonwheeler.com. They do not govern mortgage products, loan applications, financing agreements, professional services, or other business relationships with Shannon Wheeler Mortgage Team or Cornerstone First Mortgage, LLC.

2. Website Purpose

This Website is provided for general informational, educational, and communication purposes.

Through the Website, visitors may learn about Shannon Wheeler Mortgage Team, explore general mortgage-related information, submit inquiries, request appointments, and access links to additional resources.

The information presented on this Website is not intended to establish a lender-borrower relationship, create a contractual obligation to provide mortgage services, or constitute a commitment to lend.

Any mortgage application, financing arrangement, or professional service relationship is governed by its own applicable terms, disclosures, agreements, and regulatory requirements, separate from these Website Terms.

3. Permitted Use

You may use this Website for lawful personal or business informational purposes.

By using this Website, you agree not to:

• Use the Website for unlawful, fraudulent, or misleading activities.
• Attempt to gain unauthorized access to the Website, its servers, databases, or connected systems.
• Introduce viruses, malicious code, or other technologies intended to disrupt Website functionality.
• Interfere with the security, operation, or availability of the Website.
• Use automated tools to scrape, harvest, or collect information from the Website without prior written authorization, except as permitted by applicable law.
• Impersonate another individual or submit false or misleading information through Website forms.
• Copy, distribute, or commercially exploit Website content in violation of applicable intellectual property laws.

We reserve the right to restrict or terminate access to the Website when necessary to address misuse, security concerns, or violations of these Terms.

4. Website Content and Accuracy

We make reasonable efforts to provide accurate, relevant, and up-to-date information on this Website.

However, Website content is provided for general informational purposes and may contain errors, omissions, or outdated information.

Mortgage-related information, including descriptions of loan programs, eligibility requirements, rates, and financing options, may change without notice.

We do not guarantee that all information presented on the Website is complete, accurate, current, or appropriate for every individual situation.

Visitors should independently verify information before relying on it to make financial or other important decisions.

Nothing on this Website constitutes personalized financial, legal, tax, or accounting advice.

5. No Mortgage Commitment or Service Agreement

Accessing this Website, reviewing its content, or submitting an inquiry does not guarantee mortgage approval, financing availability, a particular interest rate, or eligibility for any mortgage product.

Submitting a contact form, requesting information, or scheduling an appointment does not, by itself, establish a contractual relationship for mortgage services.

Mortgage products and services offered through Shannon Wheeler Mortgage Team and Cornerstone First Mortgage, LLC are governed by separate application processes, agreements, disclosures, and applicable laws.

These Website Terms do not modify, replace, or supersede any mortgage agreement, loan disclosure, financing arrangement, or other agreement entered into with Cornerstone First Mortgage, LLC or Shannon Wheeler Mortgage Team.

6. Website Forms and Communications

Our Website may provide forms that allow visitors to submit inquiries, request appointments, or communicate with Shannon Wheeler Mortgage Team.

By submitting information through a Website form, you represent that the information you provide is accurate to the best of your knowledge and that you are authorized to provide it.

Submitting a general inquiry does not automatically enroll you in marketing communications or constitute consent to receive automated marketing calls or text messages.

Any applicable consent to receive email or SMS communications is governed by the specific disclosure presented at the time consent is requested, along with our Privacy Policy and applicable SMS Messaging Terms and Conditions.

Information submitted through Website forms is handled in accordance with our Privacy Policy.

For your protection, please do not submit Social Security numbers, bank account credentials, or other sensitive financial information through general contact forms unless a secure submission method is specifically provided.

7. Intellectual Property

Unless otherwise indicated, the original content, design, layout, graphics, text, branding, and other materials appearing on this Website are owned by or licensed to Shannon Wheeler Mortgage Team, Cornerstone First Mortgage, LLC, or their respective content providers.

These materials are protected by applicable copyright, trademark, and other intellectual property laws.

You may view, download, or print Website content for personal, noncommercial informational use, provided that all copyright and ownership notices remain intact.

You may not reproduce, modify, redistribute, publish, sell, or commercially exploit protected Website materials without appropriate authorization, except as otherwise permitted by law.

References to third-party brands, trademarks, or service marks remain the property of their respective owners.

8. Third-Party Links and Resources

This Website may contain links to third-party websites, mortgage application systems, financial tools, educational resources, or other external services.

These links are provided for convenience and informational purposes.

We do not control the content, availability, security, or privacy practices of independently operated third-party websites.

The inclusion of a third-party link does not necessarily imply endorsement of that website, its operators, or its products and services.

When you leave shannonwheeler.com, your use of an external website is subject to that website’s own terms, policies, and practices.

We encourage you to review those terms and policies before providing personal information or using external services.

9. Website Availability and Security

We strive to maintain a reliable, secure, and accessible Website.

However, we do not guarantee that the Website will be continuously available, uninterrupted, error-free, or free from harmful components.

Website access may be temporarily unavailable due to maintenance, technical difficulties, security updates, hosting interruptions, or circumstances beyond our reasonable control.

We reserve the right to modify, suspend, or discontinue any portion of the Website at any time without prior notice.

Visitors are responsible for maintaining appropriate security protections on their own devices and internet connections.

10. Privacy

Your privacy is important to us.

Information collected through your use of this Website is handled in accordance with our Privacy Policy, available on shannonwheeler.com.

The Privacy Policy explains the types of information we may collect, how information may be used and shared, and the measures taken to safeguard personal information.

Your use of this Website is subject to applicable privacy and data protection laws.

11. Disclaimer of Warranties

To the fullest extent permitted by applicable law, this Website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied.

We make no warranties regarding the completeness, accuracy, reliability, availability, security, or suitability of Website content or functionality.

We do not warrant that the Website will meet every visitor’s expectations or that access will be uninterrupted or free from technical errors.

Nothing in these Terms excludes warranties or consumer protections that cannot legally be excluded.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Shannon Wheeler Mortgage Team, Shannon Wheeler, Cornerstone First Mortgage, LLC, and their respective authorized representatives shall not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from the use of, inability to use, or reliance upon this Website or its content.

This includes damages arising from Website interruptions, technical errors, unauthorized third-party interference, or inaccuracies in general informational materials.

Nothing in these Terms limits or excludes liability that cannot lawfully be limited or excluded, including liability arising from applicable consumer protection laws.

This limitation applies only to the operation and use of this Website. It does not modify legal obligations or liabilities arising from separate mortgage products, applications, agreements, or professional services.

13. Changes to the Website and These Terms

We may update, revise, or modify these Website Terms of Service to reflect changes in Website functionality, business operations, applicable laws, or other circumstances.

Updated Terms will be published on this page with a revised “Last Updated” date.

Changes will apply prospectively from their effective date, unless otherwise required or permitted by law.

Your continued use of the Website after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

If you disagree with any changes, you should discontinue use of the Website.

14. Governing Law

These Website Terms of Service are governed by the applicable laws of the State of Tennessee and the United States, without regard to conflict-of-law principles, except where other applicable law requires otherwise.

Any dispute relating specifically to access to or use of this Website will be addressed in accordance with applicable law.

Nothing in these Terms restricts consumer rights, regulatory protections, or other legal remedies that cannot be waived under applicable law.

15. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be limited or removed to the minimum extent necessary.

The remaining provisions will continue in effect to the extent permitted by law.

16. Contact Information

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

Cornerstone First Mortgage, LLC

• Phone: (866) 815-1803
• Email: info@cfmtg.com