Effective Date: September 20, 2025

Welcome to The Prime Keys. These Terms of Service (“Terms”) describe the rules and obligations that apply when you access or use our website, resources, and communications, including educational content and SMS/email updates. By visiting or using this site, you agree to these Terms. If you do not agree, you should discontinue using The Prime Keys.

These Terms create a binding agreement between you ("User," "you," or "your") and The Prime Keys ("Company," "we," "our," or "us").

1. Eligibility

To use this site, you must be at least 18 years old and legally able to enter into enforceable agreements. By accessing our platform, you confirm you meet these conditions.

2. Services Offered

The Prime Keys provides educational content and informational resources on homeownership, refinancing, mortgage rates, and housing-related programs. We do not directly sell, lease, or finance homes. In certain cases, we may connect you with licensed third-party providers or professionals. Any agreements with such providers are subject to their own independent terms and policies.

3. User Responsibilities

By using our website, you agree to:

• Submit accurate and truthful information on forms or inquiries
• Use our content strictly for lawful and informational purposes
• Not impersonate any individual, business, or organization
• Avoid fraudulent, deceptive, or harmful activities
• Comply with all housing, consumer, and applicable legal regulations

4. Account Security

If you choose to create an account, you are responsible for protecting your login information and all activities that occur under your account. Notify us immediately of any unauthorized use. The Prime Keys is not liable for damages caused by your failure to safeguard account credentials.

5. SMS and Mobile Communications

If you sign up for text alerts from The Prime Keys, you agree that:

• Message Frequency: You may receive up to five (5) messages each month
• Message & Data Rates: Standard carrier charges may apply
• Opt-Out: You may unsubscribe anytime by replying STOP, QUIT, END, CANCEL, or UNSUBSCRIBE
• Support: Reply HELP or email support@theprimekeys.com for assistance
• Privacy: Your number and consent records will never be sold, rented, or shared with outside marketers

Subscribing to SMS updates is optional and not required to use The Prime Keys resources.

6. Intellectual Property

All website content—including guides, articles, graphics, and branding—is owned by The Prime Keys or licensed to us. You may not copy, share, or modify any content without prior written authorization.

7. Disclaimer of Warranties

Our site and services are provided on an “as is” and “as available” basis. The Prime Keys makes no warranties, including:

• The accuracy or completeness of information or resources
• Uninterrupted or error-free availability of the website
• Fitness of the content for any specific use

8. Limitation of Liability

To the fullest extent permitted by law, The Prime Keys shall not be held liable for any direct, indirect, incidental, or consequential damages connected with your use of—or inability to use—our site. This includes lost opportunities, inaccurate data, or service interruptions.

9. Indemnification

You agree to defend, indemnify, and hold harmless The Prime Keys, along with its team members and affiliates, against claims, losses, or costs arising from:

• Your use or misuse of our site
• Your violation of these Terms
• Your infringement of third-party rights

10. Changes to the Terms

We may revise these Terms periodically. Updates will be posted with a new effective date. By continuing to use the site after updates, you accept the revised Terms.

11. Termination

We reserve the right to suspend or terminate your access if you violate these Terms, engage in fraudulent behavior, or if termination is legally required. Once terminated, your right to use the site ends immediately.

12. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles. Any disputes will be handled exclusively in New Jersey courts.

13. Contact Information

If you have any questions regarding these Terms, contact us:

The Prime Keys
4134 Webster Street, Lyndhurst, NJ 07071
Email: support@theprimekeys.com