Terms of Service

1. Agreement to Terms

By accessing or using the 305 Numbers Guy website and services, operated by UBI Equity Group LLC, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services Description

305 Numbers Guy provides real estate and mortgage-related information, tools, and services. Our services are intended for informational purposes and to connect you with appropriate financial products and services. We are not a lender and do not make credit decisions.

3. Eligibility

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you have the legal capacity to enter into these Terms of Service and to abide by all applicable laws and regulations.

4. User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes
• Not interfere with or disrupt our services or servers
• Not attempt to gain unauthorized access to any part of our services
• Not use our services to transmit harmful or malicious content

5. Financial Disclaimer

Interest rates, loan terms, and eligibility requirements are subject to change without notice and may vary based on your individual circumstances. Always consult with a qualified financial professional before making any financial decisions.

6. Geographic Restrictions

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site. Services may be limited or unavailable in certain jurisdictions.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of UBI Equity Group LLC or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.

8. Third-Party Content and Links

Our website may contain links to third-party websites or display content from third parties. We do not endorse, control, or assume responsibility for any third-party content or websites. Your use of third-party services is at your own risk and subject to their respective terms and conditions. All Zillow rate data and Zillow reviews are © of Zillow, Inc. 2006-2026.

9. Limitation of Liability

To the fullest extent permitted by law, UBI Equity Group LLC and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, including but not limited to loss of profits, data, or other intangible losses.

10. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Indemnification

You agree to indemnify, defend, and hold harmless UBI Equity Group LLC and its affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of your use of our services, your violation of these Terms, or your violation of any rights of another party.

12. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination, your right to use our services will immediately cease.

13. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Miami-Dade County, Florida.

14. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact Information

If you have any questions about these Terms of Service, please contact us: