Last Updated February 12th, 2025
Welcome to the website (the “Website”) owned and operated by Generational Equity Labs, Inc. dba Genrae (“Genrae,” “Company,” “we,” “us,” or “our”). YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED THROUGH IT ARE SUBJECT TO THESE TERMS OF USE (THE “TERMS”). BY ACCESSING OR USING ANY PART OF THIS WEBSITE, YOU AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY.
If you do not agree to these Terms, you may not use this Website. From time to time, we may modify these Terms, and your continued use of the Website signifies your acceptance of any changes. Please review these Terms periodically for updates.
1. Scope & Acceptance
1.1 Acceptance of Terms
By accessing or using the Website, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and capable of forming a legally binding contract. You agree to abide by these Terms each time you use the Website. If you apply for or obtain any mortgage or financing product from Genrae, you may also be subject to additional agreements and disclosures, which supplement these Terms.
1.2 No Guarantee of Services
Nothing on this Website constitutes a commitment by Genrae to provide any specific product or service. All lending products, interest rate offers, or approvals are subject to qualification, underwriting, and separate written agreements.
2. Modifications & Updates
2.1 Right to Modify
Genrae reserves the right to update or modify these Terms at any time. Any changes take effect immediately upon posting to the Website. Your continued use of the Website after the posting of revised Terms indicates your acceptance of the changes.
2.2 Notification of Changes
We may, in our discretion, attempt to notify you of significant changes (e.g., by email or a notice on the Website), but we are not obligated to do so. It remains your responsibility to check these Terms periodically.
3. Permitted Use & User Conduct
3.1 Authorized Use
You may use this Website solely for lawful purposes and in compliance with these Terms, such as learning about Genrae’s services, submitting a mortgage inquiry, or exploring home financing options. You agree not to use the Website in any manner that could harm, disable, overburden, or impair the Website or interfere with anyone else’s use of it.
3.2 Prohibited Conduct
You shall not:
- Use the Website for any fraudulent or illegal purpose.
- Attempt to gain unauthorized access to Genrae systems or user accounts.
- Transmit unsolicited advertising, spam, or chain letters through the Website.
- Upload or distribute viruses, harmful code, or other destructive content.
- Collect or store personal data about other users without their express consent.
- Violate the intellectual property rights, privacy rights, or other legal rights of Genrae or any third party.
- Impersonate or misrepresent your affiliation with any person or entity.
- Frame, deep‐link, or otherwise incorporate any part of the Website into another site or service without Genrae’s prior written permission.
Genrae reserves the right to terminate or restrict your access to the Website if you engage in any of the prohibited activities listed above or otherwise violate these Terms.
4. Intellectual Property
4.1 Ownership
All content on or available through this Website—including text, graphics, logos, button icons, images, software, videos, designs, site layout, and any “look and feel” elements (collectively, the “Content”)—is the exclusive property of Genrae or its licensors, protected by U.S. and international copyright, trademark, and other intellectual property laws.
4.2 Trademarks
Names, logos, slogans, or designs that identify Genrae or its products and services, including “GENRAE” and any related logos (the “Trademarks”), are owned by Genrae. All other marks that appear on the Website are the property of their respective owners. You may not use any Trademarks without the prior written consent of Genrae.
4.3 License & Restrictions
Subject to these Terms, Genrae grants you a limited, revocable, non‐exclusive, non‐transferable license to view and use the Content for personal, non‐commercial purposes. You may not copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works, or sell any Content in whole or in part without Genrae’s prior written approval.
5. Website Access & Accounts
5.1 Access to Website
Genrae may, at its sole discretion and without notice, modify or discontinue any portion of the Website or restrict your access. We are not liable for any modification, suspension, or discontinuance of the Website.
5.2 User Accounts
Certain areas or features of the Website may require registration or the creation of an account. You must provide accurate, current, and complete information, and you are responsible for safeguarding your username and password. You agree to notify Genrae immediately of any unauthorized use of your account credentials. Genrae is not liable for any loss arising from the unauthorized use of your credentials if you fail to comply with these obligations.
6 No Financial or Legal Advice
The Website’s content, including mortgage calculators, articles, or rate estimates, is provided for general informational purposes only and does not constitute legal, financial, or tax advice. While we strive for accuracy, Genrae does not guarantee that any information on the Website is complete, current, or error‐free.
6.2 Qualified Professionals
You should consult with qualified professionals regarding your individual financial, legal, or tax situation. No content on this Website should be construed as an official offer, guarantee of approval, or a promise of any particular loan terms.
7 Submissions & Feedback
7.1 User Submissions
If you choose to send or upload any information, suggestions, ideas, or other content to Genrae (collectively, “Submissions”), you grant Genrae a non‐exclusive, royalty‐free, perpetual, irrevocable, and fully transferable license to use, reproduce, modify, publish, translate, and display those Submissions in any media worldwide, without compensation to you.
7.2 Confidential Information
Please do not submit confidential or proprietary information (e.g., trade secrets) via this Website unless specifically requested by Genrae for the loan application or underwriting process. Genrae assumes no obligation to protect confidential information from disclosure unless mutually agreed upon in a separate written confidentiality agreement.
8 Third‐Party Links & Services
8.1 External Websites
For your convenience, the Website may link to external websites or resources. Genrae does not endorse or control these third‐party services, nor is Genrae responsible for their content, products, or availability. Use of such third‐party websites is at your own risk.
8.2 Partner Services
Genrae may use third‐party service providers (e.g., credit report providers, data aggregators) to facilitate certain aspects of mortgage origination or customer inquiries. Your interaction with these providers is governed by their terms and policies, and Genrae disclaims liability for their acts or omissions.
9 Regulatory & Licensing Disclosures
9.1 Licensing & Regulations
Genrae may be licensed in certain states or jurisdictions to offer mortgage or financing products. For information about our licenses and disclosures, please visit Licensing and Disclosures Page or contact us at the address below. Use of this Website does not guarantee that any products or services will be available in your location.
9.2 Equal Housing Opportunity
Genrae is an Equal Housing Lender. We comply with the Equal Credit Opportunity Act and all other applicable fair lending laws.
10 Privacy & Data Security
10.1 Privacy Policy
Genrae’s Privacy Policy describes how we collect, store, and use personal data. By using the Website or submitting personal information, you consent to our data practices.
10.2 Electronic Communications
By using the Website or providing your contact information to us, you consent to receive certain electronic communications (emails, SMS, etc.) from Genrae, subject to any opt‐out instructions provided in each communication. You agree that these electronic communications satisfy any legal requirements for written communication.
11 Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR INFORMATION PROVIDED ON OR THROUGH IT ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. GENRAE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‐INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR ERROR‐FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.
12 Limitation of Liability
12.1 Exclusion of Certain Damages
TO THE FULLEST EXTENT ALLOWED BY LAW, GENRAE AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR DATA) ARISING FROM OR RELATING TO YOUR USE OF THE WEBSITE, EVEN IF GENRAE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
12.2 Cap on Liability
IN NO EVENT SHALL GENRAE’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE WEBSITE EXCEED THE AMOUNT (IF ANY) YOU PAID TO GENRAE FOR ACCESSING THE WEBSITE OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
12.3 Jurisdictional Exceptions
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES, SO SOME OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU.
13 Indemnification
You agree to indemnify, defend, and hold harmless Genrae, its affiliates, and each of their respective officers, directors, employees, agents, and representatives, from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) that arise out of or relate to your violation of these Terms, your misuse of the Website, or your infringement of any third party’s rights.
14 Governing Law & Dispute Resolution
14.1 Governing Law
These Terms and any disputes arising under or related to them shall be governed by the laws of the District of Columbia, without regard to its conflict of laws principles.
14.2 Arbitration
At Genrae’s sole discretion, we may require you to submit any dispute arising from these Terms or your use of the Website—including disputes arising from the Telephone Consumer Protection Act (TCPA)—to final and binding arbitration under the rules of the American Arbitration Association (AAA). You waive any right to participate in a class action or class‐wide arbitration. If arbitration is chosen by Genrae, any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
14.3 Venue
If arbitration is not required or available, any non‐arbitrable disputes shall be brought exclusively in the state or federal courts located in [County, State]. You consent to personal jurisdiction and venue in those courts.
15 Termination
15.1 Right to Terminate
Genrae may suspend or terminate your use of the Website at any time, for any reason, without notice or liability. The terms that by their nature are intended to survive termination (such as Disclaimers, Limitation of Liability, Indemnification, and Governing Law) shall remain in effect.
16 Severability & Entire Agreement
16.1 Severability
If any provision of these Terms is held unenforceable by a court or arbitrator, that provision shall be construed to reflect the parties’ intent, and all remaining provisions of these Terms shall remain in full force and effect.
16.2 Entire Agreement
These Terms, together with our Privacy Policy and any additional agreements you enter into with Genrae concerning the Website or our products, constitute the entire agreement between you and Genrae regarding the Website. They supersede all prior or contemporaneous agreements, representations, or understandings, whether written or oral.
17 Notices & Contact Information
17.1 Notices
Except as stated elsewhere in these Terms, any notices required under these Terms must be given in writing to the address below or by email to a designated Genrae address.
17.2 Contact Us
If you have questions about these Terms or wish to request additional information, please contact us at:
Generational Equity Labs, Inc. (Genrae)
800 Maine Avenue SW, Suite 200 Washinton, D.C. 20024
BY ACCESSING OR USING GENRAE’S WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE TERMS OF USE.
© 2025 Generational Equity Labs, Inc. All rights reserved.