LEGAL DISCLAIMER & WEBSITE TERMS

Last Updated: September 22, 2026

Welcome to the website of Nexa Mortgage (Sherief Bogdady) (“Nexa Mortgage,” “we,” “us,” or “our”).

These Terms and Conditions govern your access to and use of our website and its content. By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with these terms, please do not use this website.

1. TERMINOLOGY

The following terminology applies to these Terms and Conditions, Privacy Policy, Disclaimer, and any other agreements or notices appearing on this website:

  • “Client,” “You,” and “Your” refer to the person accessing or using this website.
  • “Nexa Mortgage,” “Company,” “We,” “Our,” and “Us” refer to Nexa Mortgage (Sherief Bogdady).
  • “Party” or “Parties” refers to you and Nexa Mortgage collectively or individually, as applicable.

2. INFORMATIONAL PURPOSE ONLY

The information contained on this website is provided for general informational and educational purposes.

Nothing contained on this website is intended to constitute legal, tax, accounting, investment, financial-planning, or other professional advice.

Information regarding mortgage products, loan programs, interest rates, fees, terms, qualifications, or other financial products may vary based on individual circumstances, property location, lender requirements, market conditions, credit qualifications, and other factors.

You should consult appropriate qualified professionals regarding your individual financial, tax, legal, or other circumstances before making any financial decision.

3. NO OFFER OR COMMITMENT TO LEND

Information provided on this website does not constitute an offer, commitment, approval, guarantee, or promise to provide any mortgage, loan, financing, or other financial product.

Submitting an inquiry, contact form, application, or other information through this website does not guarantee approval for a mortgage or any particular loan terms.

Any mortgage approval, interest rate, loan amount, terms, fees, and other conditions are subject to applicable underwriting requirements, verification, documentation, lender approval, property eligibility, credit qualifications, and other applicable requirements.

Not all products, loan programs, rates, terms, or services may be available to all applicants or in all geographic areas.

4. ACCURACY OF INFORMATION

We make reasonable efforts to provide information that is useful and accurate; however, we do not warrant or guarantee that the information on this website is complete, accurate, current, or error-free.

Mortgage rates, loan programs, eligibility requirements, fees, market conditions, and other information may change without notice.

We reserve the right to modify, update, add, or remove website content at any time without prior notice.

You should verify important information directly with Nexa Mortgage before relying upon it in connection with a mortgage transaction or financial decision.

5. MORTGAGE RATES AND CALCULATORS

Any mortgage rates, payment examples, estimates, calculators, loan scenarios, or other financial illustrations appearing on this website are provided for informational purposes only.

Actual rates, payments, costs, loan amounts, and terms may differ based on factors including, but not limited to:

  • Credit history and credit score
  • Loan amount
  • Down payment
  • Property type and location
  • Loan program
  • Occupancy
  • Income and assets
  • Debt-to-income ratio
  • Market conditions
  • Applicable lender requirements
  • Other underwriting and eligibility criteria

Examples or estimates should not be interpreted as a guarantee of the terms you will receive.

6. SERVICES

Nexa Mortgage provides mortgage-related services and assistance, subject to applicable laws, regulations, licensing requirements, lender guidelines, and individual circumstances.

Services may include assistance with mortgage inquiries, loan applications, refinancing, home purchase financing, and other mortgage-related matters, where applicable.

The availability of any particular service or loan product is not guaranteed.

7. APPLICATIONS AND SUBMISSIONS

Information submitted through this website may be used to respond to your inquiry, communicate with you, evaluate your request, provide mortgage-related services, and perform other activities permitted or required by applicable law.

You are responsible for providing information that is accurate and complete to the best of your knowledge.

Submitting information through the website does not by itself create a loan approval, mortgage commitment, contractual relationship, or obligation to provide financing unless separately agreed in writing.

8. PRIVACY AND CONFIDENTIAL INFORMATION

Your use of this website is also subject to our Privacy Policy.

We take the privacy and confidentiality of customer information seriously. Personal and financial information submitted through our website may be collected, used, retained, and disclosed as described in our Privacy Policy and as permitted or required by applicable law.

Please review our Privacy Policy before submitting sensitive personal or financial information through the website.

9. THIRD-PARTY WEBSITES AND LINKS

Our website may contain links to third-party websites, services, resources, lenders, financial institutions, government agencies, or other websites.

These links are provided for convenience and informational purposes only.

Nexa Mortgage does not control and is not responsible for the content, accuracy, availability, security, or privacy practices of third-party websites.

Your use of third-party websites is subject to the terms and privacy policies of those third parties.

10. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise stated, Nexa Mortgage and/or its licensors own the intellectual property rights to the materials appearing on this website.

All intellectual property rights are reserved.

You may access and view materials from this website for your personal, non-commercial use, subject to these Terms and Conditions.

You must not, without our prior written permission:

  • Republish material from this website;
  • Sell, rent, or sublicense material from this website;
  • Reproduce, duplicate, or copy material from this website;
  • Modify or create derivative works from website content;
  • Redistribute website content;
  • Use our trademarks, logos, graphics, photographs, or other proprietary materials for commercial purposes; or
  • Publicly display or distribute website materials for commercial purposes.

Unauthorized use of website content may violate applicable copyright, trademark, and other laws.

11. USER COMMENTS AND FEEDBACK

If our website permits users to submit comments, reviews, feedback, testimonials, questions, or other content (“Comments”), you remain responsible for the content you submit.

You represent and warrant that:

  • You have the right to submit the Comments;
  • Your Comments do not infringe the copyright, trademark, privacy, publicity, or other rights of any third party;
  • Your Comments are not defamatory, fraudulent, misleading, offensive, obscene, or unlawful;
  • Your Comments do not contain confidential information belonging to another person; and
  • Your Comments are not intended to engage in unlawful activity or unauthorized solicitation.

By submitting Comments, you grant Nexa Mortgage a non-exclusive, royalty-free, worldwide license to use, reproduce, display, publish, modify, and distribute the Comments for legitimate business, website, marketing, or informational purposes, subject to applicable law and our Privacy Policy.

We reserve the right to remove or decline to publish any Comments that we believe violate these Terms and Conditions or applicable law.

12. HYPERLINKING TO OUR WEBSITE

Government agencies, search engines, news organizations, online directories, and other organizations may link to our website provided that the link:

  • Is not deceptive;
  • Does not falsely imply sponsorship, endorsement, or approval by Nexa Mortgage;
  • Does not misrepresent the relationship between the linking organization and Nexa Mortgage; and
  • Is appropriate within the context of the linking website.

Other organizations may request permission to link to our website.

Nexa Mortgage reserves the right to approve or deny link requests at its sole discretion.

No use of Nexa Mortgage's name, logo, trademarks, or other artwork is permitted in connection with a link without prior written authorization.

13. IFRAMES

Without our prior written permission, you may not create frames around our webpages or otherwise alter the visual presentation or appearance of our website.

14. CONTENT LIABILITY

Nexa Mortgage is not responsible for content appearing on third-party websites that link to or reference our website.

You agree not to place or maintain links to our website on websites containing unlawful, defamatory, obscene, misleading, fraudulent, or otherwise objectionable material, or material that infringes the rights of others.

We reserve the right to request removal of any link to our website that we believe is inappropriate or violates these Terms and Conditions.

15. RESERVATION OF RIGHTS

We reserve the right to:

  • Request removal of any link to our website;
  • Modify or discontinue any portion of the website;
  • Modify website content at any time;
  • Amend these Terms and Conditions;
  • Restrict or terminate access to the website where permitted by law; and
  • Take any other action reasonably necessary to protect our website, customers, business, intellectual property, or legal rights.

By continuing to use this website after changes are posted, you agree to the revised Terms and Conditions.

16. REMOVAL OF LINKS

If you believe that a link appearing on our website is inappropriate, inaccurate, or otherwise objectionable, you may contact us and provide details regarding the link.

We may review requests to remove links but are not obligated to remove any particular link unless required by applicable law.

We do not guarantee that all information or links on this website will remain current or available.

17. DISCLAIMER OF WARRANTIES

To the maximum extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.

Nexa Mortgage makes no representations or warranties, express or implied, regarding the website or its content, including warranties concerning:

  • Accuracy;
  • Completeness;
  • Timeliness;
  • Reliability;
  • Availability;
  • Fitness for a particular purpose;
  • Non-infringement; or
  • Freedom from errors or interruptions.

We do not guarantee that the website will always be available, uninterrupted, secure, or free of errors, viruses, or other harmful components.

18. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Nexa Mortgage and its owners, officers, employees, representatives, affiliates, and service providers will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or other damages arising from or related to your use of, or inability to use, this website or reliance on information contained on this website.

This includes, without limitation, losses arising from errors, omissions, interruptions, delays, loss of data, loss of profits, or reliance on information obtained through the website.

Nothing in these Terms and Conditions is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

19. PROFESSIONAL ADVICE

The information on this website is intended to provide general information about mortgage-related topics and services.

It is not intended to replace individualized advice from qualified professionals.

Before making significant financial, tax, legal, or mortgage-related decisions, you should consider consulting appropriate qualified professionals regarding your individual circumstances.

20. COPYRIGHT AND USE OF MATERIALS

All website content, including text, graphics, photographs, logos, designs, documents, videos, and other materials, may be protected by copyright, trademark, and other intellectual-property laws.

You may not modify, reproduce, distribute, publicly display, publish, transmit, sell, or commercially exploit website materials without prior written permission from Nexa Mortgage or the applicable rights holder.

21. GOVERNING LAW

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles, except where applicable law requires otherwise.

To the extent legally permitted, disputes arising from or relating to these Terms and Conditions or your use of this website shall be subject to the applicable courts located in Florida.

22. CHANGES TO THESE TERMS

Nexa Mortgage reserves the right to amend, update, or modify these Terms and Conditions at any time.

Changes become effective when the revised Terms and Conditions are posted on this website unless otherwise required by applicable law.

The “Last Updated” date at the top of this document indicates when the Terms and Conditions were most recently revised.

Your continued use of the website after changes are posted constitutes your acknowledgment of the revised Terms and Conditions, to the extent permitted by law.

23. CONTACT US

If you have questions regarding these Terms and Conditions, this Legal Disclaimer, or the use of our website, please contact:

Nexa Mortgage (Sherief Bogdady)

Website: https://www.marinamortgages.com/

Email: sheriefb@marinamortgages.com

Phone: (678) 749-0360