Legal

Terms of Service

Effective Date: April 1, 2026  |  Operated by Hobey One LLC

These Terms of Service ("Terms") govern your access to and use of the website stanbrusoski.com and any related services, communications, or content provided by Hobey One LLC, operating as Stan Brusoski Mortgage ("we," "us," or "our"). By accessing this website or submitting your information through any form on this site, you agree to these Terms.

1. Nature of Services

The content and communications provided through this website and associated channels are educational and informational in nature. Stan Brusoski operates through this platform as a mortgage industry professional offering general guidance on the home buying and mortgage process.

Nothing on this website constitutes:

• A mortgage loan application, commitment, or pre-approval
• A guarantee of financing or loan terms
• Legal, financial, or investment advice
• An offer to extend credit

If you choose to proceed toward a mortgage application, you will be directed to a licensed mortgage lender. Any loan application will be subject to that lender's terms, underwriting guidelines, and applicable law.

2. SMS Communications

By providing your phone number and checking the SMS consent checkbox on any form on this site, you expressly consent to receive text messages from Stan Brusoski / Hobey One LLC. Your consent covers:

• Educational and informational content related to home buying and mortgages
• Appointment confirmations and reminders
• Follow-up communications related to your inquiry

Message frequency varies. Standard message and data rates may apply. You may opt out at any time by replying STOP to any message. For assistance, reply HELP. SMS consent is not a condition of receiving any service.

We do not sell or share your SMS consent or phone number with third parties for their marketing purposes.

3. Email Communications

By providing your email address through any form on this site, you consent to receive email communications from us including educational content, resource delivery, and follow-up communications. You may unsubscribe at any time using the link included in every email.

4. User Responsibilities

By using this website you agree to:

• Provide accurate and truthful information when submitting any form
• Use this site and its content for lawful purposes only
• Not reproduce, distribute, or commercially exploit any content from this site without written permission
• Not attempt to interfere with the operation or security of this website

5. Intellectual Property

All content on this website — including text, graphics, logos, downloadable guides, and other materials — is the property of Hobey One LLC or its content suppliers and is protected by applicable intellectual property laws. You may download and use content for personal, non-commercial use only.

6. Downloadable Content

Resources made available for download through this website, including guides and e-books, are provided for informational purposes only. They do not constitute professional financial, legal, or mortgage advice. Results and outcomes discussed in any downloadable material are not guaranteed.

7. Third-Party Links and Services

This website may contain links to third-party websites or services, including licensed mortgage lenders, scheduling tools, and educational resources. We are not responsible for the content, privacy practices, or terms of any third-party site. Your interaction with third-party sites is governed by their own terms and policies.

8. Disclaimer of Warranties

This website and its content are provided "as is" without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components. We do not warrant the accuracy, completeness, or usefulness of any information provided.

9. Limitation of Liability

To the fullest extent permitted by law, Hobey One LLC and Stan Brusoski shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or reliance on any content provided here. Our total liability for any claim arising from use of this site shall not exceed $100.

10. Age Restriction

This website and its services are intended for users who are 18 years of age or older. By using this website or submitting any form, you confirm that you are at least 18 years old. We do not knowingly collect information from or market to individuals under the age of 18.

11. Carrier Liability Disclaimer

Hobey One LLC is not liable for delayed or undelivered SMS messages. Message delivery is subject to the terms and conditions of your mobile carrier. Carriers are not responsible for any messages sent through our SMS program and bear no liability for the content of any communications transmitted via their networks.

12. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and protection of your personal information.

13. Regulatory Compliance

All mortgage-related activities conducted through or referred by this platform are subject to applicable federal and state laws and regulations, including but not limited to the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), and applicable state licensing requirements. Any mortgage application will be processed by a separately licensed lender in compliance with these requirements.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of this website after changes are posted constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Allegheny County, Pennsylvania.