Effective date: June 14, 2026
Mortgage Refinancing Blog is an independent publication operated by Nightbard LLC (“Nightbard LLC,” “we,” “us,” or “our”). Our guides are researched and produced by our editorial team, referred to here as the MRB Team.
These Terms of Use govern your access to and use of Mortgage Refinancing Blog. By
using the site, you agree to these terms. If you do not agree, please do not use the site.
Informational purposes only — not financial advice
All content on this site is provided for general informational and educational purposes
only. It is not financial, lending, mortgage, legal, tax, or investment advice,
and it is not an offer, solicitation, or commitment to lend. Reading this site does not create
any advisor–client, broker–client, or fiduciary relationship between you and
Nightbard LLC. Mortgage rates, programs, eligibility rules, and terms change frequently and
vary by lender and by your individual circumstances. Always confirm current details with a
licensed lender, broker, or qualified professional before making any decision.
No guarantee of accuracy
We work to keep our content accurate and current, but we do not warrant that it is complete,
error-free, or up to date. Rates and figures used in examples are illustrative and are not
quotes. You rely on the information at your own discretion.
External links
The site may link to third-party websites and resources for convenience. We do not control
and are not responsible for the content, accuracy, or practices of those external sites. A link
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Intellectual property
Unless otherwise noted, the content on this site — text, layout, and graphics —
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Limitation of liability
To the fullest extent permitted by law, Nightbard LLC and the MRB Team will not be liable for
any direct, indirect, incidental, consequential, or other damages arising from your use of, or
inability to use, this site or any content on it. The site is provided “as is” and
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Indemnification
You agree to hold Nightbard LLC harmless from claims arising out of your misuse of the site
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Governing law
These terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws
principles.
Changes to these terms
We may revise these terms from time to time. Continued use of the site after changes take
effect constitutes acceptance of the revised terms.
Contact
Questions about these terms? Email [email protected].