Terms and Conditions

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words in which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear singular or plural.

Definitions

For the purposes of these Terms and Conditions:

  • Country refers to Utah, United States
  • Company (referred to as “the Company,” “We,” “Us,” or “Our”) refers to Massive & Company LLC.
  • Device means any device that can access the Service, such as a computer, a cellphone, or a digital tablet.
  • Service refers to the Website.
  • Terms and Conditions (or “Terms”) mean this entire agreement between You and the Company regarding the use of the Service.
  • Third-party Social Media Service means any content or services provided by a third party and made available by the Service.
  • Website refers to Sagewise.net and related subdomains (fe.sagewise.net) / branded domains (sagewise.ai).
  • You means the individual or legal entity accessing or using the Service.

Acknowledgment

These are the Terms and Conditions governing Your use of this Service and the agreement that operates between You and the Company. By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part, You may not use the Service.

You represent that You are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of our Privacy Policy. Please read it carefully before using Our Service.

Links to Other Websites

Our Service may contain links to third-party websites not owned or controlled by the Company. We are not responsible for the content, privacy practices, or actions of any third-party websites.

Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason including if You breach these Terms. Upon termination, Your right to use the Service will cease immediately.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company under any provision of these Terms shall be limited to the amount actually paid by You through the Service or 100 USD if You have not made any purchase.

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, or consequential damages including loss of profits, data, privacy, or business interruption, even if advised of the possibility of such damages.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to You “AS IS” and “AS AVAILABLE” without warranties of any kind.

Governing Law

These Terms are governed by the laws of Utah, United States, excluding conflicts of law rules.

Disputes Resolution

You agree to try resolving disputes informally before pursuing formal legal action.

United States Legal Compliance

You represent that You are not located in a U.S.-embargoed country and are not listed on any U.S. government restricted-party lists.

Severability and Waiver

Severability

If any provision of these Terms is deemed invalid, it will be modified to achieve its intent while the rest of the Terms remain in effect.

Waiver

Failure to enforce a right does not waive future enforcement of that right.

Translation Interpretation

If these Terms have been translated, the original English version will prevail in case of a dispute.

Changes to These Terms and Conditions

We reserve the right to update these Terms at any time. Material changes will receive reasonable notice before taking effect. If these changes are unacceptable to You, You may discontinue use of the Service. Continued use means acceptance of the updated Terms.

Contact Us

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

📧 [email protected]

Independent service. Sagewise is an independent, advertising-supported comparison service. We are not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, or any government agency. Content is for educational purposes only and is not legal, tax, or financial advice. Rates, fees, terms, and product availability are subject to change without notice and may vary by lender and borrower profile.


Sagewise is not a consumer reporting agency under the Fair Credit Reporting Act (FCRA) and does not furnish consumer reports. Lenders make credit decisions using their own criteria.


Consent to contact. By submitting your information, you agree that Sagewise and participating lenders and affiliates may contact you at the phone number and email you provide using live agents, autodialers, artificial/prerecorded voice, SMS/MMS, instant messaging, or email, even if your number is on a Do Not Call list. Consent is not required to obtain credit or services. Message & data rates may apply. Frequency varies. Reply STOP to opt out of SMS; HELP for help. Use the “unsubscribe” link in any email to opt out of marketing emails. We maintain internal Do Not Call lists and honor applicable laws. If you opt out, we may still send transactional/service messages.